York VA Loan Rates, Closing Costs & Stats

YORK-HANOVER, 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.

    York's 94 lenders originated 510 VA loans during 2023. The total origination value was $158,730,000, with an average VA loan value of $311,235.

    York VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in York averaged 6.55% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    York's average VA mortgage closing costs are $6,978.

    The average rate for the prior week (2025-02-07) was 6.48% and one month ago for the week of 2025-01-10, the average rate was 6.62%.

    The average rate one year ago was 6.64%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.93%.

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

    York 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 York level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 83 6.80% $7,899
    QUICKEN LOANS, LLC 34 6.22% $12,572
    CROSSCOUNTRY MORTGAGE, LLC 28 6.74% $10,266
    NAVY FEDERAL CREDIT UNION 28 6.09% $6,918
    UNITED WHOLESALE MORTGAGE, LLC 20 6.55% $10,538
    York Traditions Bank 18 6.36% $10,709
    DHI MORTGAGE COMPANY, LTD. 14 5.61% $9,504
    USAA Federal Savings Bank 13 6.13% $7,680
    CMG MORTGAGE, INC. 12 6.70% $11,359
    MOVEMENT MORTGAGE, LLC 12 6.71% $8,953
    NEW DAY FINANCIAL, LLC 11 7.59% $11,625
    GUILD MORTGAGE COMPANY 10 6.54% $12,909
    PENNYMAC LOAN SERVICES, LLC 9 5.33% $10,528
    LOANDEPOT.COM, LLC 9 5.97% $12,673
    FREEDOM MORTGAGE CORPORATION 9 6.63% $14,177
    NEWREZ LLC 8 6.67% $12,561
    NVR Mortgage Finance, Inc. 7 5.89% $7,718
    The Federal Savings Bank 7 6.14% $19,338
    Citizens Bank 7 5.93% $9,939
    PRIMARY RESIDENTIAL MORTGAGE, INC. 6 6.56% $10,923
    NFM, INC. 6 5.98% $13,815
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.60% $10,562
    GUARANTEED RATE, INC. 5 6.31% $7,493
    Northpointe Bank 5 6.55% $11,270
    VILLAGE CAPITAL MORTGAGE 5 6.65% $16,481
    Alcova Mortgage LLC 4 6.31% $9,713
    EMM LOANS LLC 4 6.50% $15,748
    FIRST HOME MORTGAGE CORPORATION 4 6.59% $9,150
    HOMEAMERICAN MORTGAGE CORPORATION 4 5.16% $6,795
    Mr. Cooper ( Nationstar Mortgage ) 4 6.06% $10,683
    Towne Bank 4 6.81% $8,976
    UNION HOME MORTGAGE CORP. 4 6.56% $7,740
    RADIUS FINANCIAL GROUP INC. 3 7.21% $10,601
    LOANPAL, LLC 3 6.21% $8,323
    Wells Fargo Bank 3 5.92% $7,038
    Barrington Bank & Trust Company, N.A. 3 7.08% $8,312
    Mid-Continent Funding, Inc. 3 6.67% $7,710
    GUARANTEED RATE AFFINITY, LLC 3 6.66% $5,226
    BROKER SOLUTIONS, INC. 2 6.75% $8,597
    CALIBER HOME LOANS, INC. 2 6.75% $8,903
    AMERISAVE MORTGAGE CORPORATION 2 5.75% $21,063
    PENTAGON FEDERAL CREDIT UNION 2 6.19% $7,226
    AmeriHome Mortgage Company, LLC 2 5.63% $13,402
    PNC Bank 2 6.88% $10,079
    Magnolia Bank 2 6.38% $18,069
    MEMBERS 1ST FEDERAL CREDIT UNION 2 5.81% $5,370
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.50% $9,064
    FIRST ALLIANCE HOME MORTGAGE, LLC 2 6.75% $14,812
    HOWARD HANNA FINANCIAL SERVICES, INC. 2 6.44% $8,097
    Equity Prime Mortgage LLC 2 6.88% $14,073
    EMBRACE HOME LOANS, INC. 2 5.94% $17,584
    CARDINAL FINANCIAL 2 6.50% $14,080
    Farmers and Merchants Trust Company of Chambersburg 1 6.25% $5,703
    NETWORK CAPITAL FUNDING CORPORATION 1 6.75% $14,425
    ENVOY MORTGAGE, LTD 1 7.25% $14,947
    EAGLE HOME MORTGAGE, LLC 1 5.75% $15,638
    PATRIOT 1 5.63% $11,529
    Foote Capital Mortgage Company 1 6.00% $14,983
    PREMIA MORTGAGE, LLC 1 6.38% $0
    Presidential Bank, FSB 1 7.25% $345
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.75% $4,816
    Prosperity Home Mortgage, LLC 1 6.13% $3,552
    BAY CAPITAL MORTGAGE CORPORATION 1 5.75% $12,933
    Residential Mortgage Solutions, Inc. 1 7.25% $12,434
    ROYAL UNITED MORTGAGE LLC 1 6.75% $18,492
    SUN WEST MORTGAGE COMPANY, INC. 1 7.13% $18,025
    TIDEWATER MORTGAGE SERVICES, INC. 1 6.75% $7,838
    WesBanco 1 5.75% $12,550
    American Bank and Trust Company 1 6.63% $6,574
    Univest Bank and Trust Co. 1 6.25% $10,381
    U.S. Bank 1 6.13% $6,711
    Fulton Bank 1 5.50% $6,798
    George Mason Mortgage, LLC 1 7.38% $7,182
    GoPrime Mortgage, Inc. 1 7.88% $5,827
    Plains Commerce Bank 1 6.25% $8,414
    GUARANTY HOME MORTGAGE CORPORATION 1 7.25% $6,621
    First National Bank of Pennsylvania 1 5.88% $6,308
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.88% $1,955
    Homesale Mortgage, LLC 1 6.25% $14,084
    HOMESTEAD FUNDING CORP. 1 7.00% $9,112
    Integrity Home Mortgage Corp 1 7.25% $8,097
    JPMorgan Chase Bank 1 6.25% $7,148
    FIRST HERITAGE FINANCIAL, LLC 1 4.75% $15,829
    Meridian Bank Corporation 1 6.75% $9,036
    MILEND, INC. 1 6.75% $17,117
    MLB RESIDENTIAL LENDING, LLC 1 7.13% $8,293
    Mortgage America, Inc. 1 6.25% $5,250
    MORTGAGEONE, INC. 1 8.00% $17,178
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 8.25% $13,904
    Farmers Bank & Trust 1 6.25% $6,339
    M&T Bank 1 6.13% $5,359
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.13% $11,284
    Nations Lending Corporation 1 5.75% $8,462
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.13% $15,598

    The top York VA lender as defined by loan originations is Mortgage Research Center, LLC, with 83 VA loans originated. Their average total fees are $7,899, which is $4,673 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee York VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($6,918), USAA Federal Savings Bank ($7,680), Mortgage Research Center, LLC ($7,899), MOVEMENT MORTGAGE, LLC ($8,953) and DHI MORTGAGE COMPANY, LTD. ($9,504).

    The lowest rate York VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.61%), NAVY FEDERAL CREDIT UNION (6.09%), USAA Federal Savings Bank (6.13%), QUICKEN LOANS, LLC (6.22%) and York Traditions Bank (6.36%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - York (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 $211,450 (14.3%) $236,350 (10.1%) 0.78 1,523
    2018-02-01 $214,949 (16.2%) $242,458 (12.8%) 0.78 1,407
    2018-03-01 $213,921 (12.7%) $243,937 (9.3%) 0.75 1,392
    2018-04-01 $219,900 (10.0%) $246,994 (7.2%) 0.75 1,457
    2018-05-01 $226,950 (7.6%) $253,143 (7.2%) 0.76 1,494
    2018-06-01 $229,410 (9.3%) $255,854 (7.5%) 0.76 1,581
    2018-07-01 $228,114 (8.7%) $255,806 (6.4%) 0.76 1,594
    2018-08-01 $224,900 (7.1%) $253,985 (6.1%) 0.75 1,630
    2018-09-01 $219,900 (8.9%) $248,776 (5.5%) 0.74 1,586
    2018-10-01 $219,450 (4.8%) $246,206 (2.9%) 0.74 1,653
    2018-11-01 $219,900 (10.0%) $245,939 (5.6%) 0.75 1,660
    2018-12-01 $217,400 (8.8%) $243,146 (4.9%) 0.75 1,600
    2019-01-01 $218,193 (3.2%) $240,851 (1.9%) 0.75 1,415
    2019-02-01 $219,900 (2.3%) $243,187 (0.3%) 0.74 1,304
    2019-03-01 $219,900 (2.8%) $247,356 (1.4%) 0.72 1,287
    2019-04-01 $220,650 (0.3%) $253,323 (2.6%) 0.70 1,293
    2019-05-01 $228,900 (0.9%) $258,865 (2.3%) 0.71 1,335
    2019-06-01 $229,900 (0.2%) $263,555 (3.0%) 0.72 1,399
    2019-07-01 $238,900 (4.7%) $269,117 (5.2%) 0.75 1,416
    2019-08-01 $238,564 (6.1%) $272,409 (7.3%) 0.76 1,395
    2019-09-01 $236,559 (7.6%) $274,674 (10.4%) 0.76 1,358
    2019-10-01 $235,000 (7.1%) $276,169 (12.2%) 0.76 1,323
    2019-11-01 $231,995 (5.5%) $271,545 (10.4%) 0.76 1,206
    2019-12-01 $235,570 (8.4%) $271,197 (11.5%) 0.79 1,097
    2020-01-01 $237,659 (8.9%) $270,752 (12.4%) 0.79 996
    2020-02-01 $248,983 (13.2%) $278,158 (14.4%) 0.82 919
    2020-03-01 $258,570 (17.6%) $288,376 (16.6%) 0.81 911
    2020-04-01 $267,900 (21.4%) $296,070 (16.9%) 0.84 839
    2020-05-01 $259,998 (13.6%) $295,840 (14.3%) 0.79 901
    2020-06-01 $255,423 (11.1%) $293,154 (11.2%) 0.75 851
    2020-07-01 $260,629 (9.1%) $308,860 (14.8%) 0.76 756
    2020-08-01 $271,400 (13.8%) $312,036 (14.6%) 0.78 681
    2020-09-01 $268,445 (13.5%) $310,540 (13.1%) 0.77 645
    2020-10-01 $259,995 (10.6%) $305,693 (10.7%) 0.75 636
    2020-11-01 $262,500 (13.2%) $310,743 (14.4%) 0.77 605
    2020-12-01 $263,945 (12.1%) $315,609 (16.4%) 0.79 540
    2021-01-01 $264,945 (11.5%) $316,802 (17.0%) 0.79 442
    2021-02-01 $274,482 (10.2%) $319,792 (15.0%) 0.80 406
    2021-03-01 $276,443 (6.9%) $309,138 (7.2%) 0.78 422
    2021-04-01 $280,699 (4.8%) $307,995 (4.0%) 0.76 427
    2021-05-01 $278,950 (7.3%) $304,129 (2.8%) 0.74 475
    2021-06-01 $259,950 (1.8%) $294,464 (0.5%) 0.69 593
    2021-07-01 $269,000 (3.2%) $299,990 (-2.9%) 0.71 630
    2021-08-01 $262,057 (-3.4%) $297,890 (-4.5%) 0.70 647
    2021-09-01 $262,475 (-2.2%) $302,423 (-2.6%) 0.70 630
    2021-10-01 $260,000 (0.0%) $304,136 (-0.5%) 0.71 580
    2021-11-01 $263,993 (0.6%) $303,982 (-2.2%) 0.71 555
    2021-12-01 $277,425 (5.1%) $321,063 (1.7%) 0.75 478
    2022-01-01 $305,000 (15.1%) $339,982 (7.3%) 0.83 409
    2022-02-01 $311,495 (13.5%) $341,235 (6.7%) 0.81 412
    2022-03-01 $319,900 (15.7%) $347,201 (12.3%) 0.81 440
    2022-04-01 $323,275 (15.2%) $347,130 (12.7%) 0.77 448
    2022-05-01 $326,400 (17.0%) $357,777 (17.6%) 0.75 519
    2022-06-01 $322,471 (24.1%) $357,812 (21.5%) 0.72 568
    2022-07-01 $318,930 (18.6%) $353,606 (17.9%) 0.72 617
    2022-08-01 $324,900 (24.0%) $356,873 (19.8%) 0.75 605
    2022-09-01 $329,450 (25.5%) $363,903 (20.3%) 0.77 596
    2022-10-01 $340,000 (30.8%) $365,177 (20.1%) 0.80 597
    2022-11-01 $339,900 (28.8%) $359,574 (18.3%) 0.82 583
    2022-12-01 $345,495 (24.5%) $361,318 (12.5%) 0.85 564
    2023-01-01 $348,850 (14.4%) $362,856 (6.7%) 0.86 525
    2023-02-01 $358,650 (15.1%) $373,752 (9.5%) 0.87 479
    2023-03-01 $355,720 (11.2%) $373,584 (7.6%) 0.84 468
    2023-04-01 $342,990 (6.1%) $368,573 (6.2%) 0.80 450
    2023-05-01 $349,900 (7.2%) $374,222 (4.6%) 0.79 485
    2023-06-01 $349,500 (8.4%) $378,247 (5.7%) 0.78 512
    2023-07-01 $332,245 (4.2%) $379,103 (7.2%) 0.76 566
    2023-08-01 $337,495 (3.9%) $388,380 (8.8%) 0.78 605
    2023-09-01 $329,995 (0.2%) $381,126 (4.7%) 0.77 656
    2023-10-01 $322,450 (-5.2%) $374,134 (2.5%) 0.76 714
    2023-11-01 $318,169 (-6.4%) $362,788 (0.9%) 0.76 742
    2023-12-01 $316,206 (-8.5%) $357,030 (-1.2%) 0.77 684
    2024-01-01 $324,990 (-6.8%) $370,626 (2.1%) 0.79 604
    2024-02-01 $337,490 (-5.9%) $381,468 (2.1%) 0.81 526
    2024-03-01 $339,900 (-4.5%) $392,169 (5.0%) 0.80 505
    2024-04-01 $339,993 (-0.9%) $411,642 (11.7%) 0.79 523
    2024-05-01 $362,450 (3.6%) $417,228 (11.5%) 0.84 539
    2024-06-01 $353,500 (1.1%) $413,559 (9.3%) 0.84 581
    2024-07-01 $359,950 (8.3%) $412,822 (8.9%) 0.82 607
    2024-08-01 $339,900 (0.7%) $392,770 (1.1%) 0.79 678
    2024-09-01 $331,500 (0.5%) $382,559 (0.4%) 0.78 733
    2024-10-01 $344,500 (6.8%) $390,981 (4.5%) 0.81 727
    2024-11-01 $344,900 (8.4%) $392,538 (8.2%) 0.83 717
    2024-12-01 $346,950 (9.7%) $394,432 (10.5%) 0.86 635
    2025-01-01 $357,250 (9.9%) $406,925 (9.8%) 0.00 576
    York's median listing price for 2025-01-01 was $357,250, a difference of $32,260 (9.9%) versus the prior year and $10,300 versus the prior month.

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

    York's average listing price for 2025-01-01 was $406,925, a difference of $36,299 (9.8%) versus the prior year and $12,493 versus the prior month.

    For the 2025-01-01 period, York had 576 MLS listings, a difference of -59 listings (-9%) versus the prior month and -28 listings (-5%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - York (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 85 days 1,837 sqft
    2018-02-01 79 days 1,844 sqft
    2018-03-01 60 days 1,846 sqft
    2018-04-01 49 days 1,860 sqft
    2018-05-01 44 days 1,873 sqft
    2018-06-01 46 days 2,060 sqft
    2018-07-01 52 days 2,020 sqft
    2018-08-01 54 days 2,016 sqft
    2018-09-01 57 days 2,000 sqft
    2018-10-01 58 days 1,991 sqft
    2018-11-01 58 days 1,950 sqft
    2018-12-01 65 days 1,910 sqft
    2019-01-01 75 days 1,877 sqft
    2019-02-01 78 days 1,879 sqft
    2019-03-01 63 days 1,894 sqft
    2019-04-01 48 days 1,922 sqft
    2019-05-01 44 days 1,961 sqft
    2019-06-01 47 days 1,983 sqft
    2019-07-01 47 days 2,026 sqft
    2019-08-01 50 days 2,048 sqft
    2019-09-01 54 days 2,041 sqft
    2019-10-01 56 days 2,031 sqft
    2019-11-01 61 days 1,996 sqft
    2019-12-01 69 days 1,972 sqft
    2020-01-01 70 days 1,960 sqft
    2020-02-01 59 days 1,980 sqft
    2020-03-01 42 days 2,031 sqft
    2020-04-01 62 days 2,072 sqft
    2020-05-01 67 days 2,073 sqft
    2020-06-01 41 days 2,012 sqft
    2020-07-01 40 days 2,053 sqft
    2020-08-01 40 days 2,064 sqft
    2020-09-01 37 days 1,996 sqft
    2020-10-01 48 days 1,976 sqft
    2020-11-01 51 days 1,950 sqft
    2020-12-01 58 days 1,939 sqft
    2021-01-01 66 days 1,920 sqft
    2021-02-01 61 days 1,893 sqft
    2021-03-01 42 days 1,905 sqft
    2021-04-01 38 days 1,909 sqft
    2021-05-01 37 days 1,909 sqft
    2021-06-01 36 days 1,864 sqft
    2021-07-01 38 days 1,868 sqft
    2021-08-01 38 days 1,860 sqft
    2021-09-01 45 days 1,845 sqft
    2021-10-01 51 days 1,872 sqft
    2021-11-01 45 days 1,839 sqft
    2021-12-01 50 days 1,846 sqft
    2022-01-01 49 days 1,900 sqft
    2022-02-01 39 days 1,900 sqft
    2022-03-01 38 days 1,917 sqft
    2022-04-01 38 days 1,948 sqft
    2022-05-01 35 days 1,943 sqft
    2022-06-01 34 days 1,958 sqft
    2022-07-01 37 days 1,986 sqft
    2022-08-01 36 days 1,957 sqft
    2022-09-01 44 days 2,003 sqft
    2022-10-01 48 days 2,030 sqft
    2022-11-01 51 days 2,011 sqft
    2022-12-01 54 days 2,007 sqft
    2023-01-01 61 days 2,000 sqft
    2023-02-01 50 days 2,068 sqft
    2023-03-01 43 days 2,023 sqft
    2023-04-01 39 days 1,976 sqft
    2023-05-01 33 days 2,009 sqft
    2023-06-01 36 days 1,997 sqft
    2023-07-01 35 days 1,958 sqft
    2023-08-01 34 days 1,965 sqft
    2023-09-01 37 days 1,967 sqft
    2023-10-01 41 days 1,934 sqft
    2023-11-01 40 days 1,923 sqft
    2023-12-01 49 days 1,900 sqft
    2024-01-01 59 days 1,915 sqft
    2024-02-01 53 days 1,919 sqft
    2024-03-01 40 days 1,920 sqft
    2024-04-01 37 days 1,941 sqft
    2024-05-01 28 days 2,003 sqft
    2024-06-01 33 days 2,033 sqft
    2024-07-01 38 days 2,022 sqft
    2024-08-01 37 days 1,950 sqft
    2024-09-01 38 days 1,910 sqft
    2024-10-01 43 days 1,947 sqft
    2024-11-01 43 days 1,930 sqft
    2024-12-01 46 days 1,917 sqft
    2025-01-01 0 days 1,932 sqft
    York's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    York's median square footage for active listings during the 2025-01-01 period was 1,932 sqft. One year prior, the average listing was 1,915 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.