Youngstown VA Loan Rates, Closing Costs & Stats

YOUNGSTOWN-WARREN-BOARDMAN, OH-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.

    Youngstown's 76 lenders originated 625 VA loans during 2024. The total origination value was $142,625,000, with an average VA loan value of $228,200.

    Youngstown VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Youngstown averaged 6.73% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Youngstown's average VA mortgage closing costs are $5,185.

    The average rate for the prior week (2025-03-28) was 6.75% and one month ago for the week of 2025-02-28, the average rate was 6.62%.

    The average rate one year ago was 7.13%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.96%.

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

    Youngstown 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 Youngstown level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 169 6.48% $4,349
    UNITED WHOLESALE MORTGAGE, LLC 48 6.03% $7,573
    Ixonia Bank 45 6.88% $7,695
    QUICKEN LOANS, LLC 43 6.32% $8,964
    CROSSCOUNTRY MORTGAGE, LLC 28 6.45% $5,618
    FREEDOM MORTGAGE CORPORATION 22 6.24% $5,904
    NEW DAY FINANCIAL, LLC 21 7.64% $8,914
    USAA Federal Savings Bank 19 6.51% $5,229
    VILLAGE CAPITAL MORTGAGE 18 5.83% $5,030
    PENNYMAC LOAN SERVICES, LLC 16 5.66% $6,121
    NAVY FEDERAL CREDIT UNION 12 6.08% $6,115
    WEST PENN FINANCIAL SERVICE CENTER, INC. 11 6.58% $8,214
    LOANDEPOT.COM, LLC 9 6.38% $9,659
    PLANET HOME LENDING, LLC 7 5.96% $3,086
    NEWREZ LLC 7 6.59% $7,232
    Barrington Bank & Trust Company, N.A. 7 6.52% $6,620
    The Huntington National Bank 6 6.73% $3,662
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 6.02% $3,201
    Flagstar Bank, FSB 5 6.25% $7,090
    The Federal Savings Bank 5 6.38% $12,847
    Equity Prime Mortgage LLC 5 7.03% $4,712
    LIBERTY HOME MORTGAGE CORPORATION 4 6.84% $4,836
    The Farmers National Bank of Canfield 4 6.28% $4,136
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 6.81% $4,821
    First Commonwealth Bank 4 6.06% $5,231
    RUOFF MORTGAGE COMPANY, INC. 3 6.88% $1,855
    UNION HOME MORTGAGE CORP. 3 6.67% $4,984
    LAKEVIEW LOAN SERVICING, LLC 3 5.92% $7,546
    HOWARD HANNA FINANCIAL SERVICES, INC. 3 6.13% $12,298
    RELIANCE FIRST CAPITAL, LLC 3 6.71% $10,198
    Alcova Mortgage LLC 3 6.63% $4,666
    Carrington Mortgage Services, LLC 3 6.46% $7,708
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.42% $8,229
    EMM LOANS LLC 2 6.44% $8,500
    RAPID MORTGAGE COMPANY 2 7.13% $8,857
    PLAZA HOME MORTGAGE, INC. 2 6.31% $13,015
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.38% $3,355
    JPMorgan Chase Bank 2 5.87% $1,191
    GUARANTEED RATE, INC. 2 6.13% $780
    EQUITY RESOURCES, INC. 2 7.19% $5,303
    NATIONWIDE MORTGAGE BANKERS, INC. 2 7.25% $9,372
    AFFORDABLE MORTGAGE ADVISORS, LLC. 2 6.38% $8,548
    GSF Mortgage Corporation 2 7.25% $9,237
    SUN WEST MORTGAGE COMPANY, INC. 2 7.06% $11,415
    NATIONS RELIABLE LENDING, LLC 1 5.75% $6,066
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.25% $5,975
    AmeriHome Mortgage Company, LLC 1 6.13% $6,176
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.13% $6,344
    BROKER SOLUTIONS, INC. 1 7.25% $11,476
    CLEARPATH LENDING 1 5.75% $2,764
    CMG MORTGAGE, INC. 1 5.00% $2,193
    Credence Funding Corporation 1 5.88% $4,782
    ENVOY MORTGAGE, LTD 1 6.13% $9,370
    First National Bank of Pennsylvania 1 5.63% $10,053
    First National Bank Texas 1 5.88% $621
    GUARANTEED RATE AFFINITY, LLC 1 6.25% $7,333
    HOMESTEAD FUNDING CORP. 1 6.13% $250
    Integrity Home Mortgage Corp 1 6.63% $22,642
    LOANPAL, LLC 1 5.63% $8,560
    Magnolia Bank 1 6.50% $8,547
    MICHIGAN MUTUAL, INC. 1 5.88% $17,489
    MID AMERICA MORTGAGE, INC. 1 5.50% $4,664
    Mid-Continent Funding, Inc. 1 5.50% $6,249
    MILEND, INC. 1 6.75% $16,847
    MOVEMENT MORTGAGE, LLC 1 6.75% $4,831
    Mr. Cooper ( Nationstar Mortgage ) 1 5.75% $27,152
    Nations Lending Corporation 1 6.25% $4,877
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.63% $3,507
    PENTAGON FEDERAL CREDIT UNION 1 5.88% $10,673
    PHH Mortgage Corporation 1 5.49% $6,720
    Plains Commerce Bank 1 7.25% $2,311
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $7,388
    ROYAL UNITED MORTGAGE LLC 1 7.25% $13,027
    Seven Seventeen Credit Union 1 7.25% $16,611
    TOTAL MORTGAGE SERVICES, LLC 1 6.75% $2,897
    Wells Fargo Bank 1 5.75% $1,091

    The top Youngstown VA lender as defined by loan originations is Mortgage Research Center, LLC, with 169 VA loans originated. Their average total fees are $4,349, which is $3,224 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Youngstown VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,349), VILLAGE CAPITAL MORTGAGE ($5,030), USAA Federal Savings Bank ($5,229), CROSSCOUNTRY MORTGAGE, LLC ($5,618) and FREEDOM MORTGAGE CORPORATION ($5,904).

    The lowest rate Youngstown VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.66%), VILLAGE CAPITAL MORTGAGE (5.83%), UNITED WHOLESALE MORTGAGE, LLC (6.03%), NAVY FEDERAL CREDIT UNION (6.08%) and FREEDOM MORTGAGE CORPORATION (6.24%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Youngstown (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 $98,925 (10.4%) $141,876 (6.8%) 0.37 1,443
    2018-02-01 $95,950 (6.7%) $141,417 (4.1%) 0.35 1,397
    2018-03-01 $99,900 (5.3%) $147,343 (8.0%) 0.35 1,348
    2018-04-01 $105,700 (14.3%) $147,521 (8.7%) 0.36 1,292
    2018-05-01 $110,000 (14.7%) $153,274 (9.2%) 0.37 1,276
    2018-06-01 $109,900 (12.8%) $151,886 (7.1%) 0.37 1,309
    2018-07-01 $109,950 (10.1%) $150,637 (7.5%) 0.37 1,432
    2018-08-01 $115,075 (17.1%) $154,342 (11.4%) 0.39 1,469
    2018-09-01 $115,000 (15.0%) $154,936 (10.0%) 0.39 1,483
    2018-10-01 $115,450 (15.6%) $154,952 (9.5%) 0.39 1,501
    2018-11-01 $114,950 (9.5%) $154,231 (7.1%) 0.39 1,464
    2018-12-01 $114,900 (15.0%) $152,418 (7.3%) 0.40 1,341
    2019-01-01 $117,975 (19.3%) $153,021 (7.9%) 0.41 1,281
    2019-02-01 $118,950 (24.0%) $153,952 (8.9%) 0.40 1,220
    2019-03-01 $120,457 (20.6%) $161,944 (9.9%) 0.39 1,202
    2019-04-01 $120,257 (13.8%) $167,338 (13.4%) 0.38 1,217
    2019-05-01 $119,900 (9.0%) $168,860 (10.2%) 0.37 1,180
    2019-06-01 $125,000 (13.7%) $173,830 (14.5%) 0.39 1,243
    2019-07-01 $127,900 (16.3%) $174,678 (16.0%) 0.40 1,295
    2019-08-01 $125,700 (9.2%) $171,753 (11.3%) 0.40 1,331
    2019-09-01 $125,250 (8.9%) $169,609 (9.5%) 0.40 1,361
    2019-10-01 $124,900 (8.2%) $168,856 (9.0%) 0.40 1,379
    2019-11-01 $119,500 (4.0%) $166,576 (8.0%) 0.39 1,336
    2019-12-01 $115,000 (0.1%) $163,448 (7.2%) 0.38 1,261
    2020-01-01 $114,975 (-2.5%) $163,256 (6.7%) 0.38 1,158
    2020-02-01 $115,000 (-3.3%) $162,012 (5.2%) 0.38 1,035
    2020-03-01 $119,225 (-1.0%) $166,236 (2.7%) 0.37 917
    2020-04-01 $118,750 (-1.3%) $168,363 (0.6%) 0.37 864
    2020-05-01 $125,000 (4.3%) $176,551 (4.6%) 0.38 763
    2020-06-01 $129,900 (3.9%) $185,475 (6.7%) 0.38 694
    2020-07-01 $129,825 (1.5%) $187,992 (7.6%) 0.38 649
    2020-08-01 $134,325 (6.9%) $188,498 (9.8%) 0.38 636
    2020-09-01 $133,013 (6.2%) $190,972 (12.6%) 0.38 584
    2020-10-01 $134,900 (8.0%) $191,671 (13.5%) 0.39 613
    2020-11-01 $132,950 (11.3%) $187,254 (12.4%) 0.39 607
    2020-12-01 $134,925 (17.3%) $191,987 (17.5%) 0.40 565
    2021-01-01 $134,900 (17.3%) $192,372 (17.8%) 0.40 465
    2021-02-01 $133,200 (15.8%) $195,472 (20.7%) 0.39 380
    2021-03-01 $137,250 (15.1%) $190,042 (14.3%) 0.39 353
    2021-04-01 $134,975 (13.7%) $193,594 (15.0%) 0.37 330
    2021-05-01 $139,900 (11.9%) $205,725 (16.5%) 0.37 377
    2021-06-01 $134,975 (3.9%) $193,111 (4.1%) 0.36 464
    2021-07-01 $138,750 (6.9%) $190,235 (1.2%) 0.37 562
    2021-08-01 $131,200 (-2.3%) $186,530 (-1.0%) 0.35 617
    2021-09-01 $129,900 (-2.3%) $182,637 (-4.4%) 0.35 624
    2021-10-01 $129,900 (-3.7%) $183,125 (-4.5%) 0.35 619
    2021-11-01 $125,600 (-5.5%) $176,834 (-5.6%) 0.34 601
    2021-12-01 $124,950 (-7.4%) $178,622 (-7.0%) 0.34 524
    2022-01-01 $119,900 (-11.1%) $172,447 (-10.4%) 0.32 449
    2022-02-01 $118,500 (-11.0%) $173,056 (-11.5%) 0.31 361
    2022-03-01 $125,000 (-8.9%) $181,875 (-4.3%) 0.31 322
    2022-04-01 $129,900 (-3.8%) $192,847 (-0.4%) 0.31 351
    2022-05-01 $133,425 (-4.6%) $191,903 (-6.7%) 0.31 426
    2022-06-01 $148,375 (9.9%) $205,633 (6.5%) 0.33 513
    2022-07-01 $149,900 (8.0%) $210,760 (10.8%) 0.34 580
    2022-08-01 $149,900 (14.3%) $209,038 (12.1%) 0.35 636
    2022-09-01 $142,450 (9.7%) $205,167 (12.3%) 0.33 669
    2022-10-01 $144,950 (11.6%) $200,487 (9.5%) 0.34 663
    2022-11-01 $150,000 (19.4%) $203,791 (15.2%) 0.36 636
    2022-12-01 $149,500 (19.7%) $201,033 (12.6%) 0.37 595
    2023-01-01 $149,900 (25.0%) $202,215 (17.3%) 0.37 500
    2023-02-01 $157,250 (32.7%) $204,280 (18.0%) 0.38 430
    2023-03-01 $164,950 (32.0%) $221,678 (21.9%) 0.39 420
    2023-04-01 $162,000 (24.7%) $228,902 (18.7%) 0.38 392
    2023-05-01 $165,200 (23.8%) $236,266 (23.1%) 0.37 390
    2023-06-01 $174,900 (17.9%) $240,443 (16.9%) 0.39 420
    2023-07-01 $175,000 (16.7%) $245,434 (16.5%) 0.40 456
    2023-08-01 $185,075 (23.5%) $246,210 (17.8%) 0.43 510
    2023-09-01 $178,500 (25.3%) $238,733 (16.4%) 0.42 618
    2023-10-01 $172,450 (19.0%) $233,773 (16.6%) 0.41 693
    2023-11-01 $169,900 (13.3%) $226,386 (11.1%) 0.40 689
    2023-12-01 $164,500 (10.0%) $224,116 (11.5%) 0.40 676
    2024-01-01 $169,900 (13.3%) $228,572 (13.0%) 0.41 617
    2024-02-01 $167,000 (6.2%) $228,991 (12.1%) 0.40 560
    2024-03-01 $179,900 (9.1%) $242,046 (9.2%) 0.42 518
    2024-04-01 $179,950 (11.1%) $250,101 (9.3%) 0.42 487
    2024-05-01 $191,950 (16.2%) $260,305 (10.2%) 0.44 507
    2024-06-01 $190,000 (8.6%) $253,217 (5.3%) 0.43 577
    2024-07-01 $197,475 (12.8%) $253,216 (3.2%) 0.45 602
    2024-08-01 $199,527 (7.8%) $250,999 (2.0%) 0.46 688
    2024-09-01 $209,125 (17.2%) $254,916 (6.8%) 0.49 752
    2024-10-01 $192,600 (11.7%) $254,030 (8.7%) 0.45 776
    2024-11-01 $192,700 (13.4%) $251,462 (11.1%) 0.46 822
    2024-12-01 $185,000 (12.5%) $242,052 (8.0%) 0.46 780
    2025-01-01 $179,450 (5.6%) $237,693 (4.0%) 0.45 724
    2025-02-01 $175,000 (4.8%) $235,981 (3.1%) 0.42 675
    2025-03-01 $184,500 (2.6%) $249,087 (2.9%) 0.00 646
    Youngstown's median listing price for 2025-03-01 was $184,500, a difference of $4,600 (2.6%) versus the prior year and $9,500 versus the prior month.

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

    Youngstown's average listing price for 2025-03-01 was $249,087, a difference of $7,041 (2.9%) versus the prior year and $13,106 versus the prior month.

    For the 2025-03-01 period, Youngstown had 646 MLS listings, a difference of -29 listings (-4%) versus the prior month and 128 listings (25%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Youngstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 94 days 1,508 sqft
    2018-02-01 94 days 1,504 sqft
    2018-03-01 74 days 1,508 sqft
    2018-04-01 70 days 1,514 sqft
    2018-05-01 67 days 1,532 sqft
    2018-06-01 61 days 1,570 sqft
    2018-07-01 57 days 1,676 sqft
    2018-08-01 57 days 1,696 sqft
    2018-09-01 58 days 1,700 sqft
    2018-10-01 62 days 1,700 sqft
    2018-11-01 67 days 1,693 sqft
    2018-12-01 82 days 1,688 sqft
    2019-01-01 90 days 1,688 sqft
    2019-02-01 89 days 1,702 sqft
    2019-03-01 71 days 1,705 sqft
    2019-04-01 60 days 1,704 sqft
    2019-05-01 60 days 1,623 sqft
    2019-06-01 61 days 1,632 sqft
    2019-07-01 60 days 1,640 sqft
    2019-08-01 62 days 1,650 sqft
    2019-09-01 64 days 1,676 sqft
    2019-10-01 66 days 1,690 sqft
    2019-11-01 76 days 1,680 sqft
    2019-12-01 85 days 1,669 sqft
    2020-01-01 94 days 1,649 sqft
    2020-02-01 93 days 1,649 sqft
    2020-03-01 79 days 1,651 sqft
    2020-04-01 70 days 1,642 sqft
    2020-05-01 85 days 1,670 sqft
    2020-06-01 81 days 1,684 sqft
    2020-07-01 51 days 1,752 sqft
    2020-08-01 50 days 1,693 sqft
    2020-09-01 60 days 1,712 sqft
    2020-10-01 57 days 1,724 sqft
    2020-11-01 58 days 1,684 sqft
    2020-12-01 69 days 1,689 sqft
    2021-01-01 79 days 1,668 sqft
    2021-02-01 69 days 1,668 sqft
    2021-03-01 51 days 1,658 sqft
    2021-04-01 42 days 1,657 sqft
    2021-05-01 38 days 1,696 sqft
    2021-06-01 31 days 1,601 sqft
    2021-07-01 34 days 1,540 sqft
    2021-08-01 40 days 1,533 sqft
    2021-09-01 45 days 1,504 sqft
    2021-10-01 46 days 1,500 sqft
    2021-11-01 46 days 1,520 sqft
    2021-12-01 53 days 1,500 sqft
    2022-01-01 66 days 1,460 sqft
    2022-02-01 60 days 1,450 sqft
    2022-03-01 48 days 1,485 sqft
    2022-04-01 35 days 1,526 sqft
    2022-05-01 32 days 1,506 sqft
    2022-06-01 33 days 1,569 sqft
    2022-07-01 36 days 1,598 sqft
    2022-08-01 40 days 1,608 sqft
    2022-09-01 44 days 1,593 sqft
    2022-10-01 46 days 1,570 sqft
    2022-11-01 49 days 1,592 sqft
    2022-12-01 58 days 1,547 sqft
    2023-01-01 67 days 1,568 sqft
    2023-02-01 55 days 1,556 sqft
    2023-03-01 45 days 1,620 sqft
    2023-04-01 47 days 1,607 sqft
    2023-05-01 41 days 1,589 sqft
    2023-06-01 37 days 1,654 sqft
    2023-07-01 37 days 1,680 sqft
    2023-08-01 38 days 1,714 sqft
    2023-09-01 37 days 1,648 sqft
    2023-10-01 40 days 1,609 sqft
    2023-11-01 44 days 1,624 sqft
    2023-12-01 52 days 1,573 sqft
    2024-01-01 66 days 1,613 sqft
    2024-02-01 64 days 1,601 sqft
    2024-03-01 52 days 1,652 sqft
    2024-04-01 44 days 1,659 sqft
    2024-05-01 38 days 1,666 sqft
    2024-06-01 40 days 1,677 sqft
    2024-07-01 43 days 1,650 sqft
    2024-08-01 40 days 1,674 sqft
    2024-09-01 40 days 1,729 sqft
    2024-10-01 45 days 1,663 sqft
    2024-11-01 52 days 1,654 sqft
    2024-12-01 61 days 1,633 sqft
    2025-01-01 74 days 1,622 sqft
    2025-02-01 74 days 1,632 sqft
    2025-03-01 0 days 1,714 sqft
    Youngstown's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Youngstown's median square footage for active listings during the 2025-03-01 period was 1,714 sqft. One year prior, the average listing was 1,652 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.