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 106 lenders originated 703 VA loans during 2024. The total origination value was $233,335,000, with an average VA loan value of $331,913.

    York VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in York averaged 6.85% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    York's average VA mortgage closing costs are $7,288.

    The average rate for the prior week (2025-05-16) was 6.94% and one month ago for the week of 2025-04-18, the average rate was 6.71%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-05-23, the average rate was 7.01%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 127 6.41% $7,986
    UNITED WHOLESALE MORTGAGE, LLC 58 5.91% $9,472
    FREEDOM MORTGAGE CORPORATION 38 6.18% $10,946
    QUICKEN LOANS, LLC 36 6.04% $11,332
    CROSSCOUNTRY MORTGAGE, LLC 31 6.28% $9,536
    MOVEMENT MORTGAGE, LLC 30 6.50% $8,981
    PENNYMAC LOAN SERVICES, LLC 29 5.68% $8,529
    NAVY FEDERAL CREDIT UNION 26 5.82% $8,127
    York Traditions Bank 20 6.28% $7,933
    GUILD MORTGAGE COMPANY 17 6.41% $12,575
    CMG MORTGAGE, INC. 13 6.64% $11,298
    USAA Federal Savings Bank 13 6.35% $8,175
    DHI MORTGAGE COMPANY, LTD. 12 5.64% $8,416
    VILLAGE CAPITAL MORTGAGE 12 5.84% $9,636
    NEW DAY FINANCIAL, LLC 11 7.28% $13,840
    BROKER SOLUTIONS, INC. 10 6.77% $13,488
    NVR Mortgage Finance, Inc. 10 6.00% $11,476
    RADIUS FINANCIAL GROUP INC. 9 6.56% $13,066
    NEWREZ LLC 6 5.91% $8,266
    Homesale Mortgage, LLC 6 7.04% $7,956
    The Federal Savings Bank 6 6.69% $16,236
    EMM LOANS LLC 6 6.38% $15,043
    GUARANTEED RATE AFFINITY, LLC 5 6.67% $9,870
    MDE Home Loans, LLC 5 6.03% $10,046
    LOANDEPOT.COM, LLC 5 6.10% $10,275
    ENVOY MORTGAGE, LTD 5 6.73% $14,316
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.80% $12,507
    Fulton Bank 5 6.25% $12,456
    FIRST HOME MORTGAGE CORPORATION 4 6.25% $12,932
    NATIONS DIRECT MORTGAGE, LLC 4 6.22% $9,594
    NBKC BANK 3 6.25% $3,444
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.08% $7,408
    SUCCESS MORTGAGE PARTNERS, INC. 3 6.29% $18,786
    Carrington Mortgage Services, LLC 3 6.13% $14,928
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 7.46% $7,431
    Barrington Bank & Trust Company, N.A. 3 6.25% $10,284
    PREMIA MORTGAGE, LLC 3 6.26% $11,110
    Alcova Mortgage LLC 3 5.88% $8,325
    PRIMARY RESIDENTIAL MORTGAGE, INC. 3 6.38% $13,831
    Texana Bank 2 6.56% $12,186
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 5.25% $6,211
    DIRECT MORTGAGE LOANS, LLC 2 6.50% $15,765
    Equity Prime Mortgage LLC 2 7.63% $14,464
    FIRST COMMUNITY MORTGAGE, INC. 2 6.56% $6,724
    First National Bank of Pennsylvania 2 6.88% $14,876
    LOANPAL, LLC 2 6.25% $16,421
    Magnolia Bank 2 6.19% $8,538
    MEMBERS 1ST FEDERAL CREDIT UNION 2 6.50% $31,062
    Meridian Bank Corporation 2 5.81% $10,769
    MICHIGAN MUTUAL, INC. 2 6.63% $4,634
    Mr. Cooper ( Nationstar Mortgage ) 2 6.38% $18,505
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.50% $11,948
    PLANET HOME LENDING, LLC 2 5.99% $1,909
    PNC Bank 2 5.88% $12,718
    Princeton Mortgage Corporation 2 6.69% $12,263
    Prosperity Home Mortgage, LLC 2 6.25% $9,755
    Sierra Pacific Mortgage Company, Inc. 2 6.69% $6,997
    UNION HOME MORTGAGE CORP. 2 6.88% $8,447
    United Bank 2 5.63% $5,490
    MORTGAGEONE, INC. 1 6.75% $16,777
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 5.13% $9,287
    GUARANTEED RATE, INC. 1 6.53% $4,298
    GSF Mortgage Corporation 1 5.63% $20,291
    Truist 1 6.63% $12,469
    WesBanco 1 6.25% $4,907
    Gateway First Bank 1 6.75% $11,653
    Nations Lending Corporation 1 6.75% $15,101
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.25% $30,676
    Flagstar Bank, FSB 1 6.75% $13,982
    FIRST HERITAGE FINANCIAL, LLC 1 5.63% $4,525
    FIRST COLONY MORTGAGE CORPORATION 1 5.75% $4,182
    First Citizens Community Bank 1 6.63% $14,875
    NFM, INC. 1 7.13% $7,229
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.25% $9,025
    PATRIOT 1 6.00% $4,475
    Farmers and Merchants Trust Company of Chambersburg 1 6.13% $11,687
    PHH Mortgage Corporation 1 5.38% $9,003
    American Mortgage & Equity Consultants, Inc. 1 7.25% $7,094
    PLAZA HOME MORTGAGE, INC. 1 5.50% $6,556
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 7.25% $7,116
    EMBRACE HOME LOANS, INC. 1 5.63% $10,625
    Presidential Bank, FSB 1 6.25% $10,451
    DAS Acquisition Company, LLC 1 6.25% $5,405
    Armed Forces Bank 1 5.88% $6,460
    AMERISAVE MORTGAGE CORPORATION 1 5.63% $16,364
    CLEARPATH LENDING 1 5.25% $21,694
    Citizens Bank 1 6.38% $22,018
    Residential Mortgage Solutions, Inc. 1 6.25% $26,177
    Wells Fargo Bank 1 6.00% $4,594
    STOCKTON MORTGAGE CORPORATION 1 5.25% $7,217
    Century Mortgage Company DBA Century Lending Company 1 5.25% $11,433
    TD Bank 1 6.63% $3,509
    JPMorgan Chase Bank 1 6.63% $11,861
    Keystone Funding, Inc. 1 6.25% $6,817
    Lakeview Community Capital, LLC 1 5.75% $4,328
    LAKEVIEW LOAN SERVICING, LLC 1 6.25% $3,005
    Ixonia Bank 1 5.50% $24,581
    Advisors Mortgage Group, L.L.C. 1 6.88% $0
    CALCON MUTUAL MORTGAGE LLC 1 7.75% $13,776
    Integrity Home Mortgage Corp 1 5.50% $2,215
    The Loan Store, Inc. 1 6.99% $6,432
    TIDEWATER MORTGAGE SERVICES, INC. 1 6.63% $5,401
    TJC Mortgage, Inc. 1 6.25% $15,998
    Mid-Continent Funding, Inc. 1 5.75% $7,082
    MILEND, INC. 1 5.75% $14,209
    MORTGAGE ACCESS CORP. 1 6.25% $23,506

    The top York VA lender as defined by loan originations is Mortgage Research Center, LLC, with 127 VA loans originated. Their average total fees are $7,986, which is $1,486 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee York VA lenders (with over 10 loans originated) are York Traditions Bank ($7,933), Mortgage Research Center, LLC ($7,986), NAVY FEDERAL CREDIT UNION ($8,127), USAA Federal Savings Bank ($8,175) and DHI MORTGAGE COMPANY, LTD. ($8,416).

    The lowest rate York VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.64%), PENNYMAC LOAN SERVICES, LLC (5.68%), NAVY FEDERAL CREDIT UNION (5.82%), VILLAGE CAPITAL MORTGAGE (5.84%) and UNITED WHOLESALE MORTGAGE, LLC (5.91%).

    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%) 0.77 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%) 0.72 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%) 0.68 593
    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%) 0.69 580
    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%) 0.82 409
    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%) 0.80 440
    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%) 0.79 512
    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%) 0.82 539
    2024-06-01 $353,500 (1.1%) $413,559 (9.3%) 0.80 581
    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%) 0.89 576
    2025-02-01 $360,185 (6.7%) $410,564 (7.6%) 0.87 545
    2025-03-01 $362,945 (6.8%) $418,242 (6.7%) 0.85 574
    2025-04-01 $372,424 (9.5%) $433,603 (5.3%) 0.86 610
    York's median listing price for 2025-04-01 was $372,424, a difference of $32,431 (9.5%) versus the prior year and $9,479 versus the prior month.

    York's median listing price comes in at 86% of the national average.

    York's average listing price for 2025-04-01 was $433,603, a difference of $21,961 (5.3%) versus the prior year and $15,361 versus the prior month.

    For the 2025-04-01 period, York had 610 MLS listings, a difference of 36 listings (6%) versus the prior month and 87 listings (17%) 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 47 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 55 days 2,041 sqft
    2019-10-01 57 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 46 days 1,845 sqft
    2021-10-01 52 days 1,872 sqft
    2021-11-01 46 days 1,839 sqft
    2021-12-01 50 days 1,846 sqft
    2022-01-01 49 days 1,900 sqft
    2022-02-01 40 days 1,900 sqft
    2022-03-01 38 days 1,917 sqft
    2022-04-01 38 days 1,948 sqft
    2022-05-01 36 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 34 days 2,003 sqft
    2024-06-01 36 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 52 days 1,932 sqft
    2025-02-01 46 days 1,936 sqft
    2025-03-01 36 days 1,930 sqft
    2025-04-01 29 days 1,989 sqft
    York's median listing age (time on market) for 2025-04-01 was 29 days. This is -22% shorter than the same period one year ago.

    York's median square footage for active listings during the 2025-04-01 period was 1,989 sqft. One year prior, the average listing was 1,941 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.