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 0.63% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

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

    The average rate for the prior week (2025-06-13) was 6.78% and one month ago for the week of 2025-05-16, the average rate was 6.64%.

    The average rate one year ago was 7.03%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.29%.

    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%).

    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.