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 6.73% for the week of 2024-04-19, compared to the national average (all VA variants) of 6.758% for the same period.

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

    The average rate for the prior week (2024-04-12) was 6.66% and one month ago for the week of 2024-03-15, the average rate was 6.53%.

    The average rate one year ago was 6.42%.

    For refis of the same type during the week of 2024-04-19, the average rate was 8.56%.

    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 $98,950 (21.4%) $123,915 (5.4%) 0.00 318
    2018-02-01 $99,225 (16.8%) $124,949 (5.4%) 0.00 293
    2018-03-01 $99,900 (11.5%) $130,504 (4.3%) 0.00 296
    2018-04-01 $99,950 (1.2%) $136,196 (0.5%) 0.00 309
    2018-05-01 $101,400 (2.0%) $136,819 (2.2%) 0.00 295
    2018-06-01 $98,900 (0.2%) $134,963 (3.4%) 0.00 295
    2018-07-01 $99,300 (10.5%) $132,907 (8.1%) 0.00 313
    2018-08-01 $98,225 (9.3%) $130,150 (3.9%) 0.00 313
    2018-09-01 $99,900 (11.1%) $134,708 (10.1%) 0.00 299
    2018-10-01 $106,000 (17.9%) $132,997 (6.7%) 0.00 300
    2018-11-01 $111,500 (15.0%) $138,444 (11.8%) 0.00 301
    2018-12-01 $109,900 (11.1%) $138,822 (12.1%) 0.00 289
    2019-01-01 $113,250 (14.5%) $137,553 (11.0%) 0.00 271
    2019-02-01 $112,200 (13.1%) $138,422 (10.8%) 0.00 276
    2019-03-01 $115,100 (15.2%) $139,712 (7.1%) 0.00 272
    2019-04-01 $107,450 (7.5%) $139,416 (2.4%) 0.00 263
    2019-05-01 $109,750 (8.2%) $142,835 (4.4%) 0.00 265
    2019-06-01 $110,000 (11.2%) $145,370 (7.7%) 0.00 278
    2019-07-01 $112,075 (12.9%) $141,721 (6.6%) 0.00 289
    2019-08-01 $104,964 (6.9%) $136,155 (4.6%) 0.00 284
    2019-09-01 $99,359 (-0.5%) $133,318 (-1.0%) 0.00 270
    2019-10-01 $92,288 (-12.9%) $131,423 (-1.2%) 0.00 261
    2019-11-01 $85,750 (-23.1%) $128,955 (-6.9%) 0.00 263
    2019-12-01 $82,850 (-24.6%) $127,133 (-8.4%) 0.00 253
    2020-01-01 $85,625 (-24.4%) $129,091 (-6.2%) 0.00 233
    2020-02-01 $75,000 (-33.2%) $126,413 (-8.7%) 0.00 219
    2020-03-01 $75,000 (-34.8%) $134,104 (-4.0%) 0.00 224
    2020-04-01 $88,000 (-18.1%) $141,600 (1.6%) 0.00 211
    2020-05-01 $97,500 (-11.2%) $147,208 (3.1%) 0.00 202
    2020-06-01 $96,575 (-12.2%) $159,800 (9.9%) 0.00 176
    2020-07-01 $119,900 (7.0%) $162,106 (14.4%) 0.00 177
    2020-08-01 $112,950 (7.6%) $155,198 (14.0%) 0.00 170
    2020-09-01 $98,100 (-1.3%) $147,513 (10.7%) 0.00 148
    2020-10-01 $94,750 (2.7%) $141,193 (7.4%) 0.00 127
    2020-11-01 $96,500 (12.5%) $138,940 (7.7%) 0.00 124
    2020-12-01 $99,266 (19.8%) $133,448 (5.0%) 0.00 108
    2021-01-01 $96,500 (12.7%) $138,549 (7.3%) 0.00 97
    2021-02-01 $83,700 (11.6%) $134,113 (6.1%) 0.00 86
    2021-03-01 $93,900 (25.2%) $152,928 (14.0%) 0.00 86
    2021-04-01 $115,150 (30.9%) $167,169 (18.1%) 0.00 82
    2021-05-01 $96,900 (-0.6%) $168,271 (14.3%) 0.00 83
    2021-06-01 $81,200 (-15.9%) $146,107 (-8.6%) 0.00 96
    2021-07-01 $87,450 (-27.1%) $150,349 (-7.3%) 0.00 120
    2021-08-01 $79,900 (-29.3%) $129,629 (-16.5%) 0.00 121
    2021-09-01 $87,475 (-10.8%) $143,967 (-2.4%) 0.00 117
    2021-10-01 $94,950 (0.2%) $155,767 (10.3%) 0.00 116
    2021-11-01 $85,750 (-11.1%) $141,577 (1.9%) 0.00 122
    2021-12-01 $85,000 (-14.4%) $147,281 (10.4%) 0.00 112
    2022-01-01 $84,900 (-12.0%) $139,849 (0.9%) 0.00 98
    2022-02-01 $74,450 (-11.1%) $131,133 (-2.2%) 0.00 76
    2022-03-01 $82,825 (-11.8%) $165,280 (8.1%) 0.00 70
    2022-04-01 $80,000 (-30.5%) $176,609 (5.7%) 0.00 78
    2022-05-01 $84,950 (-12.3%) $167,171 (-0.7%) 0.00 99
    2022-06-01 $107,370 (32.2%) $185,664 (27.1%) 0.00 122
    2022-07-01 $109,950 (25.7%) $180,430 (20.0%) 0.00 130
    2022-08-01 $109,000 (36.4%) $175,596 (35.5%) 0.00 141
    2022-09-01 $107,475 (22.9%) $167,326 (16.2%) 0.00 154
    2022-10-01 $102,443 (7.9%) $158,100 (1.5%) 0.00 157
    2022-11-01 $99,225 (15.7%) $148,648 (5.0%) 0.00 165
    2022-12-01 $97,000 (14.1%) $148,891 (1.1%) 0.00 159
    2023-01-01 $122,400 (44.2%) $149,633 (7.0%) 0.00 154
    2023-02-01 $99,500 (33.7%) $142,781 (8.9%) 0.00 128
    2023-03-01 $108,750 (31.3%) $146,668 (-11.3%) 0.00 108
    2023-04-01 $118,000 (47.5%) $163,488 (-7.4%) 0.00 111
    2023-05-01 $131,175 (54.4%) $185,955 (11.2%) 0.00 108
    2023-06-01 $137,475 (28.0%) $192,506 (3.7%) 0.00 123
    2023-07-01 $125,000 (13.7%) $194,026 (7.5%) 0.00 122
    2023-08-01 $105,700 (-3.0%) $191,067 (8.8%) 0.00 126
    2023-09-01 $139,900 (30.2%) $183,186 (9.5%) 0.00 134
    2023-10-01 $137,000 (33.7%) $179,999 (13.9%) 0.00 129
    2023-11-01 $146,675 (47.8%) $196,110 (31.9%) 0.00 124
    2023-12-01 $149,900 (54.5%) $202,003 (35.7%) 0.00 125
    2024-01-01 $149,925 (22.5%) $205,147 (37.1%) 0.00 106
    2024-02-01 $151,200 (52.0%) $200,189 (40.2%) 0.00 108
    2024-03-01 $172,500 (58.6%) $207,356 (41.4%) 0.00 110
    Sunbury's median listing price for 2024-03-01 was $172,500, a difference of $63,750 (58.6%) versus the prior year and $21,300 versus the prior month.

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

    Sunbury's average listing price for 2024-03-01 was $207,356, a difference of $60,688 (41.4%) versus the prior year and $7,167 versus the prior month.

    For the 2024-03-01 period, Sunbury had 110 MLS listings, a difference of 2 listings (2%) versus the prior month and 2 listings (2%) 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 1,440 sqft
    2018-02-01 0 days 1,456 sqft
    2018-03-01 0 days 1,480 sqft
    2018-04-01 0 days 1,500 sqft
    2018-05-01 0 days 1,536 sqft
    2018-06-01 0 days 1,560 sqft
    2018-07-01 0 days 1,536 sqft
    2018-08-01 0 days 1,536 sqft
    2018-09-01 0 days 1,512 sqft
    2018-10-01 0 days 1,518 sqft
    2018-11-01 0 days 1,558 sqft
    2018-12-01 0 days 1,582 sqft
    2019-01-01 0 days 1,583 sqft
    2019-02-01 0 days 1,552 sqft
    2019-03-01 0 days 1,570 sqft
    2019-04-01 0 days 1,590 sqft
    2019-05-01 0 days 1,633 sqft
    2019-06-01 0 days 1,628 sqft
    2019-07-01 0 days 1,631 sqft
    2019-08-01 0 days 1,600 sqft
    2019-09-01 0 days 1,582 sqft
    2019-10-01 0 days 1,565 sqft
    2019-11-01 0 days 1,560 sqft
    2019-12-01 0 days 1,536 sqft
    2020-01-01 0 days 1,548 sqft
    2020-02-01 0 days 1,467 sqft
    2020-03-01 0 days 1,560 sqft
    2020-04-01 0 days 1,578 sqft
    2020-05-01 0 days 1,624 sqft
    2020-06-01 0 days 1,660 sqft
    2020-07-01 0 days 1,714 sqft
    2020-08-01 0 days 1,646 sqft
    2020-09-01 0 days 1,595 sqft
    2020-10-01 0 days 1,572 sqft
    2020-11-01 0 days 1,557 sqft
    2020-12-01 0 days 1,526 sqft
    2021-01-01 0 days 1,572 sqft
    2021-02-01 0 days 1,577 sqft
    2021-03-01 0 days 1,525 sqft
    2021-04-01 0 days 1,540 sqft
    2021-05-01 0 days 1,376 sqft
    2021-06-01 0 days 1,374 sqft
    2021-07-01 0 days 1,414 sqft
    2021-08-01 0 days 1,362 sqft
    2021-09-01 0 days 1,406 sqft
    2021-10-01 0 days 1,496 sqft
    2021-11-01 0 days 1,470 sqft
    2021-12-01 0 days 1,410 sqft
    2022-01-01 0 days 1,398 sqft
    2022-02-01 0 days 1,346 sqft
    2022-03-01 0 days 1,479 sqft
    2022-04-01 0 days 1,440 sqft
    2022-05-01 0 days 1,405 sqft
    2022-06-01 0 days 1,590 sqft
    2022-07-01 0 days 1,590 sqft
    2022-08-01 0 days 1,544 sqft
    2022-09-01 0 days 1,526 sqft
    2022-10-01 0 days 1,510 sqft
    2022-11-01 0 days 1,500 sqft
    2022-12-01 0 days 1,536 sqft
    2023-01-01 0 days 1,526 sqft
    2023-02-01 0 days 1,433 sqft
    2023-03-01 0 days 1,414 sqft
    2023-04-01 0 days 1,412 sqft
    2023-05-01 0 days 1,574 sqft
    2023-06-01 0 days 1,627 sqft
    2023-07-01 0 days 1,512 sqft
    2023-08-01 0 days 1,538 sqft
    2023-09-01 0 days 1,576 sqft
    2023-10-01 0 days 1,554 sqft
    2023-11-01 0 days 1,547 sqft
    2023-12-01 0 days 1,527 sqft
    2024-01-01 0 days 1,541 sqft
    2024-02-01 0 days 1,565 sqft
    2024-03-01 0 days 1,560 sqft
    Sunbury's median listing age (time on market) for 2024-03-01 was 0 days.

    Sunbury's median square footage for active listings during the 2024-03-01 period was 1,560 sqft. One year prior, the average listing was 1,414 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.