Bardstown VA Loan Rates, Closing Costs & Stats

Bardstown, KY

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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.

    Bardstown's 35 lenders originated 113 VA loans during 2024. The total origination value was $34,035,000, with an average VA loan value of $301,195.

    Bardstown VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Bardstown averaged 6.68% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Bardstown's average VA mortgage closing costs are $5,884.

    The average rate for the prior week (2025-07-11) was 6.77% and one month ago for the week of 2025-06-13, the average rate was 6.84%.

    The average rate one year ago was 6.94%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.31%.

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

    Bardstown 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 Bardstown level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 22 6.69% $4,825
    QUICKEN LOANS, LLC 10 6.36% $8,810
    UNITED WHOLESALE MORTGAGE, LLC 9 6.23% $5,250
    FREEDOM MORTGAGE CORPORATION 9 6.04% $3,582
    PENNYMAC LOAN SERVICES, LLC 6 5.31% $8,250
    NAVY FEDERAL CREDIT UNION 6 5.79% $5,947
    THE MORTGAGE WAREHOUSE,LLC 4 6.31% $7,995
    NEWREZ LLC 3 6.54% $9,670
    Northpointe Bank 3 6.08% $7,470
    Magnolia Bank 3 6.42% $8,148
    USAA Federal Savings Bank 3 6.29% $17,148
    LOANDEPOT.COM, LLC 2 6.62% $6,148
    SOUTH CENTRAL BANK, INC. 2 6.25% $3,197
    CLEARPATH LENDING 2 5.75% $7,949
    INTERLINC MORTGAGE SERVICES, LLC 2 6.69% $5,006
    Century Mortgage Company DBA Century Lending Company 2 5.75% $3,856
    SUCCESS MORTGAGE PARTNERS, INC. 2 6.56% $8,993
    VILLAGE CAPITAL MORTGAGE 2 5.75% $7,768
    NEW DAY FINANCIAL, LLC 1 7.99% $8,787
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.63% $9,950
    Armed Forces Bank 1 6.75% $2,615
    CROSSCOUNTRY MORTGAGE, LLC 1 7.25% $15,926
    EVANSVILLE TEACHERS 1 5.75% $3,815
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $4,116
    First National Bank Texas 1 5.75% $4,996
    HOMESIDE FINANCIAL, LLC 1 5.25% $5,335
    LAKEVIEW LOAN SERVICING, LLC 1 6.25% $1,589
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $12,270
    Old National Bank 1 5.63% $2,520
    Paramount Residential Mortgage Group, Inc. 1 6.75% $4,736
    PENTAGON FEDERAL CREDIT UNION 1 5.88% $3,098
    STOCKTON MORTGAGE CORPORATION 1 6.63% $5,412
    T2 FINANCIAL LLC 1 7.00% $4,808
    The Federal Savings Bank 1 6.25% $15,142
    UNION HOME MORTGAGE CORP. 1 5.63% $3,946

    The top Bardstown VA lender as defined by loan originations is Mortgage Research Center, LLC, with 22 VA loans originated. Their average total fees are $4,825, which is $3,985 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Bardstown VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,825), QUICKEN LOANS, LLC ($8,810), .

    The lowest rate Bardstown VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.36%), Mortgage Research Center, LLC (6.69%), .

    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.