York VA Loan Rates, Closing Costs & Stats
YORK-HANOVER, PA
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.