Sunbury VA Loan Rates, Closing Costs & Stats

Sunbury, PA

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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.

    Sunbury's 25 lenders originated 58 VA loans during 2023. The total origination value was $12,350,000, with an average VA loan value of $212,931.

    Sunbury VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Sunbury averaged 6.4% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Sunbury's average VA mortgage closing costs are $5,847.

    The average rate for the prior week (2025-02-07) was 6.54% and one month ago for the week of 2025-01-10, the average rate was 6.47%.

    The average rate one year ago was 6.4%.

    For refis of the same type during the week of 2025-02-14, the average rate was 8.13%.

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

    Sunbury 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 Sunbury level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 14 6.80% $5,178
    QUICKEN LOANS, LLC 5 6.29% $15,093
    Citizens Bank 4 5.75% $11,591
    UNITED WHOLESALE MORTGAGE, LLC 3 6.57% $3,790
    CHERRY CREEK MORTGAGE, LLC 2 6.50% $4,662
    FREEDOM MORTGAGE CORPORATION 2 7.00% $14,380
    NAVY FEDERAL CREDIT UNION 2 6.19% $2,848
    USAA Federal Savings Bank 2 6.31% $4,651
    LOANDEPOT.COM, LLC 2 6.75% $13,837
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.75% $8,207
    The Federal Savings Bank 1 5.75% $17,519
    Truist 1 6.13% $4,921
    Univest Bank and Trust Co. 1 5.88% $7,473
    VILLAGE CAPITAL MORTGAGE 1 7.25% $18,640
    Barrington Bank & Trust Company, N.A. 1 8.25% $2,753
    Waterstone Mortgage Corporation 1 6.13% $6,475
    CARDINAL FINANCIAL 1 6.25% $18,367
    Century Mortgage Company DBA Century Lending Company 1 6.63% $2,434
    Keystone Funding, Inc. 1 7.25% $8,444
    Mid-Continent Funding, Inc. 1 7.25% $4,864
    Mortgage America, Inc. 1 5.75% $4,923
    Mr. Cooper ( Nationstar Mortgage ) 1 7.13% $16,844
    NEW DAY FINANCIAL, LLC 1 7.49% $13,098
    Northpointe Bank 1 6.25% $7,216
    PENNYMAC LOAN SERVICES, LLC 1 5.63% $11,970

    The top Sunbury VA lender as defined by loan originations is Mortgage Research Center, LLC, with 14 VA loans originated. Their average total fees are $5,178, which is $9,915 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Sunbury VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,178), .

    The lowest rate Sunbury VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.80%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Sunbury (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 $119,225 (14.3%) $157,195 (7.7%) 0.00 392
    2018-02-01 $119,500 (9.7%) $161,355 (9.9%) 0.00 373
    2018-03-01 $127,400 (12.0%) $178,413 (14.6%) 0.00 381
    2018-04-01 $129,750 (0.6%) $179,909 (8.6%) 0.00 387
    2018-05-01 $136,225 (9.1%) $182,907 (12.1%) 0.00 370
    2018-06-01 $129,900 (6.9%) $177,279 (12.6%) 0.00 378
    2018-07-01 $125,900 (13.4%) $171,165 (16.6%) 0.00 391
    2018-08-01 $119,575 (6.3%) $165,077 (10.7%) 0.00 389
    2018-09-01 $125,900 (14.6%) $171,335 (19.3%) 0.00 378
    2018-10-01 $125,225 (9.9%) $171,340 (16.1%) 0.00 371
    2018-11-01 $129,675 (12.5%) $172,981 (11.6%) 0.00 369
    2018-12-01 $128,000 (7.6%) $170,837 (8.6%) 0.00 350
    2019-01-01 $129,950 (9.0%) $169,156 (7.6%) 0.00 336
    2019-02-01 $132,450 (10.8%) $168,529 (4.5%) 0.00 345
    2019-03-01 $129,829 (1.9%) $171,619 (-3.8%) 0.00 342
    2019-04-01 $125,604 (-3.2%) $174,983 (-2.7%) 0.00 335
    2019-05-01 $133,700 (-1.9%) $177,325 (-3.1%) 0.00 333
    2019-06-01 $133,750 (3.0%) $175,670 (-0.9%) 0.00 346
    2019-07-01 $132,400 (5.2%) $169,893 (-0.7%) 0.00 347
    2019-08-01 $122,245 (2.2%) $162,272 (-1.7%) 0.00 344
    2019-09-01 $118,114 (-6.2%) $161,180 (-5.9%) 0.00 331
    2019-10-01 $113,450 (-9.4%) $160,452 (-6.4%) 0.00 322
    2019-11-01 $107,500 (-17.1%) $160,771 (-7.1%) 0.00 316
    2019-12-01 $108,450 (-15.3%) $160,883 (-5.8%) 0.00 305
    2020-01-01 $108,725 (-16.3%) $164,971 (-2.5%) 0.00 284
    2020-02-01 $99,500 (-24.9%) $167,082 (-0.9%) 0.00 271
    2020-03-01 $102,975 (-20.7%) $175,952 (2.5%) 0.00 278
    2020-04-01 $119,389 (-5.0%) $177,544 (1.5%) 0.00 263
    2020-05-01 $134,900 (0.9%) $181,773 (2.5%) 0.00 250
    2020-06-01 $137,800 (3.0%) $188,931 (7.6%) 0.00 215
    2020-07-01 $149,900 (13.2%) $192,600 (13.4%) 0.00 215
    2020-08-01 $143,700 (17.6%) $183,413 (13.0%) 0.00 208
    2020-09-01 $137,050 (16.0%) $179,012 (11.1%) 0.00 185
    2020-10-01 $124,900 (10.1%) $173,830 (8.3%) 0.00 165
    2020-11-01 $119,450 (11.1%) $167,498 (4.2%) 0.00 154
    2020-12-01 $122,700 (13.1%) $159,447 (-0.9%) 0.00 136
    2021-01-01 $129,900 (19.5%) $167,742 (1.7%) 0.00 126
    2021-02-01 $135,475 (36.2%) $186,484 (11.6%) 0.00 116
    2021-03-01 $139,825 (35.8%) $192,886 (9.6%) 0.00 115
    2021-04-01 $149,225 (25.0%) $204,330 (15.1%) 0.00 106
    2021-05-01 $139,250 (3.2%) $200,744 (10.4%) 0.00 110
    2021-06-01 $122,100 (-11.4%) $180,257 (-4.6%) 0.00 123
    2021-07-01 $129,500 (-13.6%) $176,654 (-8.3%) 0.00 144
    2021-08-01 $94,225 (-34.4%) $162,253 (-11.5%) 0.00 139
    2021-09-01 $116,000 (-15.4%) $173,044 (-3.3%) 0.00 136
    2021-10-01 $125,000 (0.1%) $170,457 (-1.9%) 0.00 133
    2021-11-01 $102,400 (-14.3%) $158,080 (-5.6%) 0.00 137
    2021-12-01 $97,450 (-20.6%) $169,270 (6.2%) 0.00 128
    2022-01-01 $94,750 (-27.1%) $170,629 (1.7%) 0.00 111
    2022-02-01 $88,625 (-34.6%) $184,269 (-1.2%) 0.00 94
    2022-03-01 $154,900 (10.8%) $216,277 (12.1%) 0.00 91
    2022-04-01 $120,400 (-19.3%) $227,870 (11.5%) 0.00 97
    2022-05-01 $114,475 (-17.8%) $208,301 (3.8%) 0.00 121
    2022-06-01 $149,900 (22.8%) $219,370 (21.7%) 0.00 147
    2022-07-01 $139,900 (8.0%) $217,985 (23.4%) 0.00 160
    2022-08-01 $139,925 (48.5%) $208,963 (28.8%) 0.00 168
    2022-09-01 $135,925 (17.2%) $194,392 (12.3%) 0.00 173
    2022-10-01 $129,900 (3.9%) $182,128 (6.9%) 0.00 181
    2022-11-01 $122,500 (19.6%) $171,756 (8.7%) 0.00 185
    2022-12-01 $125,000 (28.3%) $172,182 (1.7%) 0.00 179
    2023-01-01 $134,075 (41.5%) $169,014 (-1.0%) 0.00 169
    2023-02-01 $124,900 (40.9%) $167,899 (-8.9%) 0.00 145
    2023-03-01 $143,325 (-7.5%) $195,046 (-9.8%) 0.00 131
    2023-04-01 $146,450 (21.6%) $207,205 (-9.1%) 0.00 131
    2023-05-01 $149,175 (30.3%) $220,491 (5.9%) 0.00 124
    2023-06-01 $153,725 (2.6%) $225,040 (2.6%) 0.00 143
    2023-07-01 $149,000 (6.5%) $224,615 (3.0%) 0.00 143
    2023-08-01 $147,450 (5.4%) $223,093 (6.8%) 0.00 149
    2023-09-01 $157,450 (15.8%) $210,639 (8.4%) 0.00 161
    2023-10-01 $153,475 (18.2%) $206,204 (13.2%) 0.00 155
    2023-11-01 $166,200 (35.7%) $218,907 (27.5%) 0.00 151
    2023-12-01 $160,000 (28.0%) $222,821 (29.4%) 0.00 143
    2024-01-01 $180,700 (34.8%) $228,679 (35.3%) 0.00 121
    2024-02-01 $191,950 (53.7%) $239,913 (42.9%) 0.00 128
    2024-03-01 $209,900 (46.5%) $243,236 (24.7%) 0.00 137
    2024-04-01 $221,950 (51.6%) $255,723 (23.4%) 0.00 145
    2024-05-01 $208,450 (39.7%) $266,883 (21.0%) 0.00 166
    2024-06-01 $210,950 (37.2%) $274,835 (22.1%) 0.00 160
    2024-07-01 $191,250 (28.4%) $255,988 (14.0%) 0.00 169
    2024-08-01 $197,500 (33.9%) $254,433 (14.1%) 0.00 171
    2024-09-01 $188,725 (19.9%) $261,234 (24.0%) 0.00 186
    2024-10-01 $199,913 (30.3%) $274,298 (33.0%) 0.00 193
    2024-11-01 $199,900 (20.3%) $278,235 (27.1%) 0.00 186
    2024-12-01 $172,225 (7.6%) $262,679 (17.9%) 0.00 167
    2025-01-01 $168,000 (-7.0%) $263,123 (15.1%) 0.00 142
    Sunbury's median listing price for 2025-01-01 was $168,000, a difference of $-12,700 (-7.0%) versus the prior year and $-4,225 versus the prior month.

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

    Sunbury's average listing price for 2025-01-01 was $263,123, a difference of $34,444 (15.1%) versus the prior year and $444 versus the prior month.

    For the 2025-01-01 period, Sunbury had 142 MLS listings, a difference of -25 listings (-15%) versus the prior month and 21 listings (17%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sunbury (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,552 sqft
    2018-02-01 0 days 1,570 sqft
    2018-03-01 0 days 1,590 sqft
    2018-04-01 0 days 1,613 sqft
    2018-05-01 0 days 1,641 sqft
    2018-06-01 0 days 1,656 sqft
    2018-07-01 0 days 1,611 sqft
    2018-08-01 0 days 1,590 sqft
    2018-09-01 0 days 1,570 sqft
    2018-10-01 0 days 1,598 sqft
    2018-11-01 0 days 1,620 sqft
    2018-12-01 0 days 1,600 sqft
    2019-01-01 0 days 1,603 sqft
    2019-02-01 0 days 1,594 sqft
    2019-03-01 0 days 1,613 sqft
    2019-04-01 0 days 1,638 sqft
    2019-05-01 0 days 1,706 sqft
    2019-06-01 0 days 1,690 sqft
    2019-07-01 0 days 1,664 sqft
    2019-08-01 0 days 1,629 sqft
    2019-09-01 0 days 1,609 sqft
    2019-10-01 0 days 1,595 sqft
    2019-11-01 0 days 1,576 sqft
    2019-12-01 0 days 1,585 sqft
    2020-01-01 0 days 1,583 sqft
    2020-02-01 0 days 1,570 sqft
    2020-03-01 0 days 1,613 sqft
    2020-04-01 0 days 1,618 sqft
    2020-05-01 0 days 1,642 sqft
    2020-06-01 0 days 1,683 sqft
    2020-07-01 0 days 1,716 sqft
    2020-08-01 0 days 1,646 sqft
    2020-09-01 0 days 1,633 sqft
    2020-10-01 0 days 1,604 sqft
    2020-11-01 0 days 1,570 sqft
    2020-12-01 0 days 1,560 sqft
    2021-01-01 0 days 1,570 sqft
    2021-02-01 0 days 1,611 sqft
    2021-03-01 0 days 1,566 sqft
    2021-04-01 0 days 1,578 sqft
    2021-05-01 0 days 1,506 sqft
    2021-06-01 0 days 1,524 sqft
    2021-07-01 0 days 1,515 sqft
    2021-08-01 0 days 1,434 sqft
    2021-09-01 0 days 1,522 sqft
    2021-10-01 0 days 1,576 sqft
    2021-11-01 0 days 1,505 sqft
    2021-12-01 0 days 1,480 sqft
    2022-01-01 0 days 1,480 sqft
    2022-02-01 0 days 1,542 sqft
    2022-03-01 0 days 1,603 sqft
    2022-04-01 0 days 1,540 sqft
    2022-05-01 0 days 1,503 sqft
    2022-06-01 0 days 1,666 sqft
    2022-07-01 0 days 1,642 sqft
    2022-08-01 0 days 1,576 sqft
    2022-09-01 0 days 1,555 sqft
    2022-10-01 0 days 1,536 sqft
    2022-11-01 0 days 1,528 sqft
    2022-12-01 0 days 1,577 sqft
    2023-01-01 0 days 1,584 sqft
    2023-02-01 0 days 1,527 sqft
    2023-03-01 0 days 1,511 sqft
    2023-04-01 0 days 1,600 sqft
    2023-05-01 0 days 1,663 sqft
    2023-06-01 0 days 1,679 sqft
    2023-07-01 0 days 1,621 sqft
    2023-08-01 0 days 1,659 sqft
    2023-09-01 0 days 1,632 sqft
    2023-10-01 0 days 1,635 sqft
    2023-11-01 0 days 1,617 sqft
    2023-12-01 0 days 1,560 sqft
    2024-01-01 0 days 1,565 sqft
    2024-02-01 0 days 1,654 sqft
    2024-03-01 0 days 1,680 sqft
    2024-04-01 0 days 1,708 sqft
    2024-05-01 0 days 1,704 sqft
    2024-06-01 0 days 1,832 sqft
    2024-07-01 0 days 1,684 sqft
    2024-08-01 0 days 1,719 sqft
    2024-09-01 0 days 1,675 sqft
    2024-10-01 0 days 1,779 sqft
    2024-11-01 0 days 1,729 sqft
    2024-12-01 0 days 1,570 sqft
    2025-01-01 0 days 1,549 sqft
    Sunbury's median listing age (time on market) for 2025-01-01 was 0 days.

    Sunbury's median square footage for active listings during the 2025-01-01 period was 1,549 sqft. One year prior, the average listing was 1,565 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.