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.