Pennsylvania VA Loan Rates, Closing Costs & Stats

Pennsylvania

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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.

    Pennsylvania VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pennsylvania averaged 6.71% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Pennsylvania's average VA mortgage closing costs are $6,904.

    The average rate for the prior week (2025-03-28) was 6.83% and one month ago for the week of 2025-02-28, the average rate was 6.81%.

    The average rate one year ago was 6.62%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.46%.

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

    Pennsylvania 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 Pennsylvania level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 2,026 6.41% $6,447
    UNITED WHOLESALE MORTGAGE, LLC 870 5.91% $9,285
    QUICKEN LOANS, LLC 628 6.19% $11,362
    FREEDOM MORTGAGE CORPORATION 503 6.23% $9,786
    NAVY FEDERAL CREDIT UNION 401 5.93% $6,695
    PENNYMAC LOAN SERVICES, LLC 316 5.76% $8,765
    NEW DAY FINANCIAL, LLC 297 7.50% $11,334
    CROSSCOUNTRY MORTGAGE, LLC 251 6.39% $10,049
    USAA Federal Savings Bank 221 6.26% $8,303
    VILLAGE CAPITAL MORTGAGE 174 5.76% $7,748
    MOVEMENT MORTGAGE, LLC 168 6.40% $9,211
    NEWREZ LLC 156 6.17% $8,913
    LOANDEPOT.COM, LLC 119 6.20% $12,945
    CMG MORTGAGE, INC. 101 6.32% $10,915
    GUILD MORTGAGE COMPANY 93 6.34% $11,021
    GUARANTEED RATE, INC. 93 6.05% $9,427
    The Federal Savings Bank 91 6.37% $18,261
    Prosperity Home Mortgage, LLC 88 6.20% $10,234
    NVR Mortgage Finance, Inc. 82 5.97% $9,547
    UNION HOME MORTGAGE CORP. 75 6.46% $9,972
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 71 6.46% $9,319
    BROKER SOLUTIONS, INC. 68 6.68% $12,553
    Barrington Bank & Trust Company, N.A. 63 6.37% $6,536
    PLAZA HOME MORTGAGE, INC. 60 6.25% $11,059
    PLANET HOME LENDING, LLC 58 6.01% $5,534
    Equity Prime Mortgage LLC 58 6.77% $7,523
    GUARANTEED RATE AFFINITY, LLC 53 6.27% $8,355
    Mr. Cooper ( Nationstar Mortgage ) 50 6.31% $12,295
    Ixonia Bank 44 6.71% $10,499
    Flagstar Bank, FSB 42 6.32% $9,072
    PRIMELENDING, A PLAINSCAPITAL COMPANY 41 6.23% $5,806
    Magnolia Bank 40 5.87% $20,834
    MORTGAGE SOLUTIONS OF COLORADO, LLC 40 7.24% $6,572
    HOWARD HANNA FINANCIAL SERVICES, INC. 39 6.17% $9,142
    Mid-Continent Funding, Inc. 39 6.05% $7,299
    EMM LOANS LLC 37 6.38% $11,268
    DHI MORTGAGE COMPANY, LTD. 37 5.93% $12,258
    Mortgage America, Inc. 36 6.15% $9,269
    First National Bank of Pennsylvania 35 6.16% $8,565
    CLEARPATH LENDING 33 5.74% $8,305
    Carrington Mortgage Services, LLC 33 6.02% $11,064
    LAKEVIEW LOAN SERVICING, LLC 33 5.83% $5,807
    AFFORDABLE MORTGAGE ADVISORS, LLC. 33 6.48% $7,892
    EQUITY RESOURCES, INC. 33 6.43% $5,781
    Century Mortgage Company DBA Century Lending Company 33 6.23% $5,354
    MUTUAL OF OMAHA MORTGAGE, INC. 27 6.42% $12,521
    Citizens Bank 27 6.29% $9,477
    Univest Bank and Trust Co. 27 6.17% $8,232
    NATIONS DIRECT MORTGAGE, LLC 25 6.27% $11,044
    PENTAGON FEDERAL CREDIT UNION 25 6.17% $8,014
    WEST PENN FINANCIAL SERVICE CENTER, INC. 25 6.20% $9,261
    NBKC BANK 25 5.98% $7,118
    Integrity Home Mortgage Corp 24 6.37% $10,315
    Victorian Finance, LLC 24 6.43% $8,544
    ALLIED MORTGAGE GROUP, INC. 24 6.30% $10,372
    Homesale Mortgage, LLC 23 6.82% $8,720
    NFM, INC. 23 6.61% $12,052
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 23 6.51% $11,064
    Keystone Funding, Inc. 22 6.18% $9,690
    SUCCESS MORTGAGE PARTNERS, INC. 22 6.19% $14,084
    York Traditions Bank 22 6.25% $8,667
    PNC Bank 21 6.55% $7,729
    First Federal Bank 20 5.87% $7,653
    U.S. Bank 20 6.45% $9,095
    Fulton Bank 20 6.44% $9,404
    Union Savings Bank 20 6.03% $4,534
    STOCKTON MORTGAGE CORPORATION 19 6.05% $10,406
    SUN WEST MORTGAGE COMPANY, INC. 18 5.90% $7,724
    HOMESIDE FINANCIAL, LLC 18 6.70% $12,248
    MICHIGAN MUTUAL, INC. 18 6.42% $6,638
    AMERISAVE MORTGAGE CORPORATION 18 6.16% $18,552
    RADIUS FINANCIAL GROUP INC. 17 6.51% $12,265
    Paramount Residential Mortgage Group, Inc. 16 6.34% $9,804
    FIRST COLONY MORTGAGE CORPORATION 15 5.98% $10,407
    Meridian Bank Corporation 15 6.32% $8,609
    CARDINAL FINANCIAL 15 6.53% $13,447
    MEMBERS 1ST FEDERAL CREDIT UNION 14 6.12% $15,025
    RELIANCE FIRST CAPITAL, LLC 14 6.09% $14,845
    Wells Fargo Bank 14 6.25% $7,814
    Credence Funding Corporation 14 5.82% $7,055
    TIDEWATER MORTGAGE SERVICES, INC. 14 6.38% $7,159
    SWBC MORTGAGE CORPORATION 14 6.08% $7,686
    First Commonwealth Bank 13 5.81% $8,201
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 13 6.44% $9,858
    JPMorgan Chase Bank 12 6.41% $8,567
    DAS Acquisition Company, LLC 12 6.14% $11,517
    LOANPAL, LLC 11 5.85% $12,294
    AmeriHome Mortgage Company, LLC 11 6.08% $7,263
    FIRST HERITAGE FINANCIAL, LLC 11 5.87% $8,646
    AMERICAN FINANCIAL NETWORK, INC. 11 6.44% $7,693
    ENVOY MORTGAGE, LTD 11 6.68% $14,327
    Summit Mortgage Corporation 11 6.19% $12,414
    MDE Home Loans, LLC 11 6.15% $9,803
    FIRST HOME MORTGAGE CORPORATION 11 6.41% $9,724
    AMERICAN FINANCIAL RESOURCES, INC. 11 6.51% $8,995
    FIRST COMMUNITY MORTGAGE, INC. 11 6.39% $9,189
    EAGLE HOME MORTGAGE, LLC 10 5.71% $5,991
    HOMEBRIDGE FINANCIAL SERVICES, INC. 10 6.44% $2,447
    NORWICH COMMERCIAL GROUP, INC. 10 6.40% $6,424
    GoPrime Mortgage, Inc. 10 6.83% $9,335
    FEDERATED MORTGAGE CORP. 10 6.04% $6,979
    Princeton Mortgage Corporation 10 6.43% $9,080
    First Citizens Community Bank 10 6.39% $8,442
    MILEND, INC. 10 6.60% $15,037
    Philadelphia Mortgage Advisors, Inc. 9 6.18% $9,569
    BAY EQUITY LLC 9 6.68% $7,857
    TOWNE MORTGAGE COMPANY 9 6.56% $8,986
    The Huntington National Bank 9 6.68% $3,936
    Plains Commerce Bank 8 6.36% $9,641
    M&T Bank 8 6.20% $10,432
    MORTGAGEONE, INC. 8 6.53% $5,743
    PHH Mortgage Corporation 8 6.15% $9,796
    GREENTREE MORTGAGE COMPANY, L.P. 8 6.14% $10,045
    Lakeview Community Capital, LLC 8 5.84% $5,822
    Sierra Pacific Mortgage Company, Inc. 8 6.39% $9,321
    Truist 8 6.34% $7,193
    Nations Lending Corporation 8 6.34% $13,406
    Alcova Mortgage LLC 8 6.23% $10,720
    The Loan Store, Inc. 7 6.27% $8,924
    Acre Mortgage and Financial Inc 7 6.86% $10,240
    Armed Forces Bank 7 5.84% $14,107
    Wilmington Savings Fund Society, FSB 7 6.25% $13,270
    PRIMARY RESIDENTIAL MORTGAGE, INC. 7 6.45% $15,137
    GSF Mortgage Corporation 7 6.54% $18,605
    DIRECT MORTGAGE LOANS, LLC 6 6.67% $14,732
    Northwest Bank 6 6.48% $6,515
    CONTOUR MORTGAGE CORPORATION 6 6.46% $9,061
    CALCON MUTUAL MORTGAGE LLC 6 6.00% $6,533
    MORTGAGE ACCESS CORP. 6 5.90% $9,341
    EMBRACE HOME LOANS, INC. 6 6.12% $14,350
    SOUTHPOINT FINANCIAL SERVICES, INC. 5 6.30% $8,058
    First Columbia Bank & Trust Co. 5 6.18% $5,940
    FIRST ALLIANCE HOME MORTGAGE, LLC 5 6.40% $13,046
    HomePromise Corporation 5 7.00% $9,013
    HOMESPIRE MORTGAGE CORPORATION 5 6.28% $7,456
    HOMESTEAD FUNDING CORP. 5 6.13% $4,509
    Dollar Bank, Federal Savings Bank 5 6.65% $6,315
    T2 FINANCIAL LLC 5 6.28% $11,236
    ROYAL UNITED MORTGAGE LLC 5 6.70% $15,787
    WesBanco 5 6.40% $7,260
    Mid Penn Bank 5 6.23% $9,391
    NATIONWIDE MORTGAGE BANKERS, INC. 5 6.93% $17,991
    PREMIA MORTGAGE, LLC 5 6.14% $7,720
    NETWORK CAPITAL FUNDING CORPORATION 5 5.95% $10,327
    Advisors Mortgage Group, L.L.C. 5 6.67% $9,265
    First Heritage Mortgage, LLC 4 6.31% $10,217
    TD Bank 4 6.22% $7,304
    AMERICAN FINANCING CORPORATION 4 6.31% $11,715
    ZILLOW HOME LOANS, LLC 4 6.38% $8,833
    Quaint Oak Mortgage, LLC 4 6.38% $15,029
    Ameris Bank 4 6.28% $6,664
    ABSOLUTE HOME MORTGAGE CORPORATION 4 6.34% $15,992
    Northeast Equitable Mortgage, LLC 3 6.33% $10,787
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.38% $18,321
    EVANSVILLE TEACHERS 3 6.50% $8,339
    UNITED MORTGAGE CORP 3 7.00% $7,667
    Gateway First Bank 3 6.92% $6,522
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 3 6.83% $13,123
    Bank of England 3 6.42% $10,262
    BAY CAPITAL MORTGAGE CORPORATION 3 5.92% $9,792
    PULTE MORTGAGE LLC 3 6.08% $16,384
    OceanFirst Bank 3 5.79% $8,420
    Presidential Bank, FSB 3 5.71% $9,374
    Old National Bank 3 5.79% $5,928
    POLARIS HOME FUNDING CORP. 3 7.04% $7,920
    Cornerstone First Mortgage, Inc 3 6.21% $11,427
    Texana Bank 3 6.38% $13,277
    MEMBER FIRST MORTGAGE, LLC 2 7.00% $8,473
    ALLIANT CREDIT UNION 2 5.63% $9,401
    American Mortgage & Equity Consultants, Inc. 2 6.69% $13,102
    AmRes Corporation 2 6.75% $8,784
    Arvest Bank 2 6.75% $2,055
    Atlantic Coast Mortgage, LLC 2 5.81% $13,811
    BAYSHORE MORTGAGE FUNDING, LLC 2 7.19% $9,253
    BOND STREET MORTGAGE, LLC 2 6.50% $16,206
    DELMAR FINANCIAL COMPANY 2 5.94% $7,667
    EVERETT FINANCIAL, INC. 2 6.56% $15,108
    First Federal Bank of the Midwest 2 6.69% $6,936
    First Western Trust Bank 2 6.75% $4,367
    INTERCOASTAL MORTGAGE COMPANY 2 6.25% $5,006
    JMAC LENDING, INC. 2 6.50% $7,392
    KeyBank 2 6.63% $17,281
    LOANLEADERS OF AMERICA, INC. 2 5.88% $13,185
    MEMBER ADVANTAGE MORTGAGE, LLC 2 6.25% $11,697
    MLD MORTGAGE INC. 2 6.25% $3,791
    NATION ONE MORTGAGE CORPORATION 2 6.94% $15,301
    Northpointe Bank 2 5.94% $1,593
    Orrstown Bank 2 6.75% $7,905
    PATRIOT 2 6.00% $6,776
    PIKE CREEK MORTGAGE SERVICES, INC. 2 5.94% $17,876
    Sandy Spring Bank 2 6.50% $10,935
    SIRVA MORTGAGE, INC. 2 5.75% $8,103
    Strong Home Mortgage, LLC 2 5.88% $3,651
    TBI MORTGAGE COMPANY 2 6.75% $8,276
    The Central Trust Bank 2 5.99% $6,514
    The Ephrata National Bank 2 5.81% $17,923
    TJC Mortgage, Inc. 2 6.25% $16,587
    TOTAL MORTGAGE SERVICES, LLC 2 6.75% $10,554
    United Bank 2 5.63% $5,490
    VAN DYK MORTGAGE CORPORATION 2 6.81% $10,064
    V.I.P. MORTGAGE, INC. 2 6.44% $6,131
    NJ LENDERS CORP. 1 6.75% $3,997
    SOUTHWEST FUNDING, LP 1 7.13% $50
    STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 1 5.63% $5,831
    NEW FED MORTGAGE, CORP. 1 6.75% $12,264
    CORTRUST MORTGAGE, INC. 1 6.25% $17,969
    MORIA DEVELOPMENT, INC. 1 7.25% $5,048
    SUMMIT FUNDING, INC. 1 5.25% $5,107
    MILLENNIUM FINANCIAL GROUP, INC. 1 6.75% $1,942
    MID-ISLAND MORTGAGE CORP. 1 5.88% $26,478
    1ST PRIORITY MORTGAGE, INC. 1 5.63% $4,767
    MASON MCDUFFIE MORTGAGE CORPORATION 1 7.75% $12,458
    1ST SIGNATURE LENDING, LLC 1 6.63% $16,081
    LENOX FINANCIAL MORTGAGE CORPORATION 1 5.75% $11,085
    LEADERONE FINANCIAL CORPORATION 1 6.00% $15,380
    Waterstone Mortgage Corporation 1 7.50% $8,592
    CHURCHILL MORTGAGE CORPORATION 1 6.63% $13,102
    LAND HOME FINANCIAL SERVICES, INC. 1 6.25% $6,582
    LADERA LENDING, INC. 1 5.88% $13,171
    INTELLILOAN, INC. 1 5.75% $3,761
    THE MORTGAGE FIRM, INC. 1 5.75% $6,502
    THE MORTGAGE LINK, INC. 1 6.50% $24,435
    HANSCOM 1 6.50% $9,262
    BETTER MORTGAGE CORPORATION 1 5.88% $15,604
    TOP FLITE FINANCIAL, INC. 1 6.88% $19,329
    BELEM SERVICING LLC 1 4.88% $7,265
    Towne Bank 1 6.13% $7,943
    Franklin Loan Corporation 1 5.75% $11,285
    Firstrust Savings Bank 1 6.38% $14,505
    UMB Bank 1 5.75% $6,160
    First National Bank Texas 1 6.13% $6,731
    FIRST MORTGAGE COMPANY, INC. 1 6.25% $5,991
    Bank of America 1 6.13% $30,654
    Fifth Third Bank 1 7.00% $8,364
    FBC MORTGAGE, LLC 1 5.99% $6,410
    University Bank 1 5.75% $11,371
    Farmers and Merchants Trust Company of Chambersburg 1 6.13% $11,687
    Encompass Lending Group, LP 1 6.75% $5,036
    Customers Bank 1 5.63% $4,222
    US MORTGAGE CORPORATION 1 6.63% $12,431
    RAPID MORTGAGE COMPANY 1 7.13% $13,979
    Premium Mortgage Corporation 1 6.75% $16,333
    Residential Mortgage Solutions, Inc. 1 6.25% $26,177
    PANORAMA MORTGAGE GROUP, LLC 1 6.75% $6,014
    RUOFF MORTGAGE COMPANY, INC. 1 7.00% $17,908
    Sail Mortgage Corp. 1 6.88% $9,716
    AMERITRUST MORTGAGE CORPORATION 1 5.75% $18,265
    SeaTrust Mortgage Company 1 6.75% $13,441
    Shore United Bank 1 6.25% $12,769
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.25% $19,384
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 6.50% $479

    The top Pennsylvania VA lender as defined by loan originations is Mortgage Research Center, LLC, with 2,026 VA loans originated. Their average total fees are $6,447, which is $2,839 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Pennsylvania VA lenders (with over 10 loans originated) are HOMEBRIDGE FINANCIAL SERVICES, INC. ($2,447), Union Savings Bank ($4,534), Century Mortgage Company DBA Century Lending Company ($5,354), PLANET HOME LENDING, LLC ($5,534) and EQUITY RESOURCES, INC. ($5,781).

    The lowest rate Pennsylvania VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.71%), CLEARPATH LENDING (5.74%), PENNYMAC LOAN SERVICES, LLC (5.76%), VILLAGE CAPITAL MORTGAGE (5.76%) and First Commonwealth Bank (5.81%).

    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.