Scottsbluff VA Loan Rates, Closing Costs & Stats

Scottsbluff, NE

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Scottsbluff's 14 lenders originated 37 VA loans during 2023. The total origination value was $7,915,000, with an average VA loan value of $213,919.

    Scottsbluff VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Scottsbluff averaged 6.26% for the week of 2025-03-07, compared to the national average (all VA variants) of 6.111% for the same period.

    Scottsbluff's average VA mortgage closing costs are $4,566.

    The average rate for the prior week (2025-02-28) was 6.4% and one month ago for the week of 2025-01-31, the average rate was 6.54%.

    The average rate one year ago was 6.85%.

    For refis of the same type during the week of 2025-03-07, the average rate was 6.01%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Scottsbluff VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Scottsbluff level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 16 6.94% $4,787
    NAVY FEDERAL CREDIT UNION 4 6.41% $6,697
    QUICKEN LOANS, LLC 3 5.79% $8,336
    USAA Federal Savings Bank 2 6.63% $2,969
    LAKEVIEW LOAN SERVICING, LLC 1 5.50% $7,781
    Magnolia Bank 1 5.75% $13,919
    Mr. Cooper ( Nationstar Mortgage ) 1 5.63% $7,292
    The Federal Savings Bank 1 7.00% $17,950
    U.S. Bank 1 7.25% $6,763
    CHURCHILL MORTGAGE CORPORATION 1 6.25% $14,325
    VILLAGE CAPITAL MORTGAGE 1 6.25% $13,823
    First National Bank of Omaha 1 6.13% $6,167
    GUILD MORTGAGE COMPANY 1 7.13% $12,808
    Independent Bank 1 5.50% $12,742

    The top Scottsbluff VA lender as defined by loan originations is Mortgage Research Center, LLC, with 16 VA loans originated. Their average total fees are $4,787, which is $1,909 lower than the next largest lender, NAVY FEDERAL CREDIT UNION.

    The lowest fee Scottsbluff VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,787), .

    The lowest rate Scottsbluff VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.94%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Scottsbluff (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $161,450 (4.9%) $177,563 (-10.2%) 0.00 154
    2018-02-01 $155,125 (4.0%) $175,345 (-12.1%) 0.00 149
    2018-03-01 $169,000 (15.7%) $184,083 (-5.8%) 0.00 125
    2018-04-01 $169,000 (15.0%) $194,200 (0.3%) 0.00 132
    2018-05-01 $175,575 (17.5%) $208,969 (8.6%) 0.00 155
    2018-06-01 $169,900 (3.8%) $209,665 (1.4%) 0.00 164
    2018-07-01 $169,900 (6.2%) $209,092 (3.6%) 0.00 171
    2018-08-01 $166,475 (-3.2%) $205,861 (-0.4%) 0.00 174
    2018-09-01 $169,900 (0.5%) $209,472 (5.5%) 0.00 165
    2018-10-01 $163,700 (6.6%) $207,692 (12.8%) 0.00 167
    2018-11-01 $157,925 (4.6%) $203,126 (17.9%) 0.00 169
    2018-12-01 $160,000 (-3.0%) $211,737 (18.3%) 0.00 150
    2019-01-01 $163,675 (1.4%) $218,057 (22.8%) 0.00 140
    2019-02-01 $164,200 (5.9%) $232,083 (32.4%) 0.00 151
    2019-03-01 $183,286 (8.5%) $242,769 (31.9%) 0.00 138
    2019-04-01 $199,800 (18.2%) $249,940 (28.7%) 0.00 139
    2019-05-01 $201,600 (14.8%) $249,750 (19.5%) 0.00 153
    2019-06-01 $174,900 (2.9%) $231,074 (10.2%) 0.00 147
    2019-07-01 $172,850 (1.7%) $230,617 (10.3%) 0.00 151
    2019-08-01 $190,159 (14.2%) $233,058 (13.2%) 0.00 162
    2019-09-01 $181,773 (7.0%) $230,309 (10.0%) 0.00 167
    2019-10-01 $171,625 (4.8%) $223,101 (7.4%) 0.00 171
    2019-11-01 $173,000 (9.6%) $221,911 (9.3%) 0.00 156
    2019-12-01 $179,725 (12.3%) $221,690 (4.7%) 0.00 143
    2020-01-01 $179,925 (9.9%) $218,402 (0.2%) 0.00 125
    2020-02-01 $192,500 (17.2%) $219,694 (-5.3%) 0.00 121
    2020-03-01 $195,000 (6.4%) $219,339 (-9.7%) 0.00 121
    2020-04-01 $196,500 (-1.7%) $214,979 (-14.0%) 0.00 120
    2020-05-01 $199,250 (-1.2%) $229,162 (-8.2%) 0.00 121
    2020-06-01 $195,000 (11.5%) $235,642 (2.0%) 0.00 115
    2020-07-01 $189,875 (9.9%) $236,078 (2.4%) 0.00 101
    2020-08-01 $198,950 (4.6%) $253,516 (8.8%) 0.00 89
    2020-09-01 $214,000 (17.7%) $258,208 (12.1%) 0.00 71
    2020-10-01 $185,000 (7.8%) $257,826 (15.6%) 0.00 62
    2020-11-01 $170,000 (-1.7%) $230,753 (4.0%) 0.00 66
    2020-12-01 $164,475 (-8.5%) $224,859 (1.4%) 0.00 63
    2021-01-01 $162,900 (-9.5%) $211,644 (-3.1%) 0.00 56
    2021-02-01 $165,550 (-14.0%) $224,970 (2.4%) 0.00 56
    2021-03-01 $199,900 (2.5%) $248,273 (13.2%) 0.00 52
    2021-04-01 $211,625 (7.7%) $251,457 (17.0%) 0.00 52
    2021-05-01 $239,000 (20.0%) $302,818 (32.1%) 0.00 38
    2021-06-01 $259,900 (33.3%) $307,512 (30.5%) 0.00 38
    2021-07-01 $196,000 (3.2%) $254,979 (8.0%) 0.00 48
    2021-08-01 $206,500 (3.8%) $256,929 (1.4%) 0.00 62
    2021-09-01 $172,375 (-19.5%) $274,145 (6.2%) 0.00 69
    2021-10-01 $197,500 (6.8%) $522,318 (102.6%) 0.00 54
    2021-11-01 $187,000 (10.0%) $507,081 (119.8%) 0.00 60
    2021-12-01 $179,500 (9.1%) $528,723 (135.1%) 0.00 58
    2022-01-01 $199,900 (22.7%) $532,950 (151.8%) 0.00 49
    2022-02-01 $215,000 (29.9%) $365,789 (62.6%) 0.00 39
    2022-03-01 $246,000 (23.1%) $364,253 (46.7%) 0.00 40
    2022-04-01 $233,250 (10.2%) $342,032 (36.0%) 0.00 43
    2022-05-01 $253,750 (6.2%) $399,795 (32.0%) 0.00 47
    2022-06-01 $267,738 (3.0%) $431,488 (40.3%) 0.00 50
    2022-07-01 $249,450 (27.3%) $463,048 (81.6%) 0.00 54
    2022-08-01 $237,450 (15.0%) $437,531 (70.3%) 0.00 60
    2022-09-01 $232,225 (34.7%) $410,995 (49.9%) 0.00 63
    2022-10-01 $229,000 (16.0%) $401,469 (-23.1%) 0.00 65
    2022-11-01 $219,225 (17.2%) $383,911 (-24.3%) 0.00 59
    2022-12-01 $212,000 (18.1%) $348,770 (-34.0%) 0.00 64
    2023-01-01 $218,750 (9.4%) $333,940 (-37.3%) 0.00 75
    2023-02-01 $241,000 (12.1%) $348,656 (-4.7%) 0.00 74
    2023-03-01 $252,250 (2.5%) $404,456 (11.0%) 0.00 69
    2023-04-01 $259,000 (11.0%) $404,592 (18.3%) 0.00 64
    2023-05-01 $269,750 (6.3%) $426,325 (6.6%) 0.00 62
    2023-06-01 $282,500 (5.5%) $454,156 (5.3%) 0.00 70
    2023-07-01 $282,000 (13.1%) $460,910 (-0.5%) 0.00 82
    2023-08-01 $268,500 (13.1%) $407,983 (-6.8%) 0.00 91
    2023-09-01 $261,250 (12.5%) $373,532 (-9.1%) 0.00 74
    2023-10-01 $230,200 (0.5%) $348,593 (-13.2%) 0.00 70
    2023-11-01 $253,175 (15.5%) $386,120 (0.6%) 0.00 77
    2023-12-01 $248,900 (17.4%) $364,013 (4.4%) 0.00 91
    2024-01-01 $229,000 (4.7%) $354,189 (6.1%) 0.00 95
    2024-02-01 $227,250 (-5.7%) $347,096 (-0.5%) 0.00 98
    2024-03-01 $225,000 (-10.8%) $346,681 (-14.3%) 0.00 98
    2024-04-01 $241,950 (-6.6%) $442,599 (9.4%) 0.00 98
    2024-05-01 $259,675 (-3.7%) $463,400 (8.7%) 0.00 97
    2024-06-01 $285,000 (0.9%) $499,338 (10.0%) 0.00 101
    2024-07-01 $285,000 (1.1%) $487,442 (5.8%) 0.00 109
    2024-08-01 $279,500 (4.1%) $473,125 (16.0%) 0.00 110
    2024-09-01 $279,500 (7.0%) $475,856 (27.4%) 0.00 111
    2024-10-01 $275,000 (19.5%) $478,802 (37.4%) 0.00 103
    2024-11-01 $260,000 (2.7%) $480,798 (24.5%) 0.00 100
    2024-12-01 $257,500 (3.5%) $507,235 (39.4%) 0.00 89
    2025-01-01 $258,500 (12.9%) $438,245 (23.7%) 0.00 71
    2025-02-01 $274,625 (20.9%) $512,926 (47.8%) 0.00 67
    Scottsbluff's median listing price for 2025-02-01 was $274,625, a difference of $47,375 (20.9%) versus the prior year and $16,125 versus the prior month.

    Scottsbluff's median listing price comes in at 0% of the national average.

    Scottsbluff's average listing price for 2025-02-01 was $512,926, a difference of $165,830 (47.8%) versus the prior year and $74,681 versus the prior month.

    For the 2025-02-01 period, Scottsbluff had 67 MLS listings, a difference of -4 listings (-6%) versus the prior month and -31 listings (-32%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Scottsbluff (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,353 sqft
    2018-02-01 0 days 1,334 sqft
    2018-03-01 0 days 1,352 sqft
    2018-04-01 0 days 1,423 sqft
    2018-05-01 0 days 1,458 sqft
    2018-06-01 0 days 1,457 sqft
    2018-07-01 0 days 1,450 sqft
    2018-08-01 0 days 1,470 sqft
    2018-09-01 0 days 1,472 sqft
    2018-10-01 0 days 1,442 sqft
    2018-11-01 0 days 1,378 sqft
    2018-12-01 0 days 1,372 sqft
    2019-01-01 0 days 1,395 sqft
    2019-02-01 0 days 1,420 sqft
    2019-03-01 0 days 1,401 sqft
    2019-04-01 0 days 1,405 sqft
    2019-05-01 0 days 1,439 sqft
    2019-06-01 0 days 1,344 sqft
    2019-07-01 0 days 1,379 sqft
    2019-08-01 0 days 1,363 sqft
    2019-09-01 0 days 1,365 sqft
    2019-10-01 0 days 1,364 sqft
    2019-11-01 0 days 1,366 sqft
    2019-12-01 0 days 1,402 sqft
    2020-01-01 0 days 1,368 sqft
    2020-02-01 0 days 1,422 sqft
    2020-03-01 0 days 1,362 sqft
    2020-04-01 0 days 1,403 sqft
    2020-05-01 0 days 1,478 sqft
    2020-06-01 0 days 1,467 sqft
    2020-07-01 0 days 1,431 sqft
    2020-08-01 0 days 1,532 sqft
    2020-09-01 0 days 1,542 sqft
    2020-10-01 0 days 1,440 sqft
    2020-11-01 0 days 1,431 sqft
    2020-12-01 0 days 1,435 sqft
    2021-01-01 0 days 1,435 sqft
    2021-02-01 0 days 1,414 sqft
    2021-03-01 0 days 1,431 sqft
    2021-04-01 0 days 1,632 sqft
    2021-05-01 0 days 1,700 sqft
    2021-06-01 0 days 1,642 sqft
    2021-07-01 0 days 1,464 sqft
    2021-08-01 0 days 1,450 sqft
    2021-09-01 0 days 1,319 sqft
    2021-10-01 0 days 1,352 sqft
    2021-11-01 0 days 1,338 sqft
    2021-12-01 0 days 1,388 sqft
    2022-01-01 0 days 1,586 sqft
    2022-02-01 0 days 1,410 sqft
    2022-03-01 0 days 1,410 sqft
    2022-04-01 0 days 1,228 sqft
    2022-05-01 0 days 1,690 sqft
    2022-06-01 0 days 1,729 sqft
    2022-07-01 0 days 1,632 sqft
    2022-08-01 0 days 1,461 sqft
    2022-09-01 0 days 1,382 sqft
    2022-10-01 0 days 1,428 sqft
    2022-11-01 0 days 1,476 sqft
    2022-12-01 0 days 1,487 sqft
    2023-01-01 0 days 1,413 sqft
    2023-02-01 0 days 1,403 sqft
    2023-03-01 0 days 1,436 sqft
    2023-04-01 0 days 1,480 sqft
    2023-05-01 0 days 1,544 sqft
    2023-06-01 0 days 1,679 sqft
    2023-07-01 0 days 1,720 sqft
    2023-08-01 0 days 1,608 sqft
    2023-09-01 0 days 1,511 sqft
    2023-10-01 0 days 1,351 sqft
    2023-11-01 0 days 1,359 sqft
    2023-12-01 0 days 1,411 sqft
    2024-01-01 0 days 1,403 sqft
    2024-02-01 0 days 1,376 sqft
    2024-03-01 0 days 1,248 sqft
    2024-04-01 0 days 1,356 sqft
    2024-05-01 0 days 1,372 sqft
    2024-06-01 0 days 1,420 sqft
    2024-07-01 0 days 1,413 sqft
    2024-08-01 0 days 1,377 sqft
    2024-09-01 0 days 1,390 sqft
    2024-10-01 0 days 1,474 sqft
    2024-11-01 0 days 1,426 sqft
    2024-12-01 0 days 1,394 sqft
    2025-01-01 0 days 1,371 sqft
    2025-02-01 0 days 1,396 sqft
    Scottsbluff's median listing age (time on market) for 2025-02-01 was 0 days.

    Scottsbluff's median square footage for active listings during the 2025-02-01 period was 1,396 sqft. One year prior, the average listing was 1,376 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.