College Station VA Loan Rates, Closing Costs & Stats

COLLEGE STATION-BRYAN, TX

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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.

    College Station's 62 lenders originated 311 VA loans during 2024. The total origination value was $115,935,000, with an average VA loan value of $372,781.

    College Station VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in College Station averaged 0.48% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    College Station's average VA mortgage closing costs are $6,654.

    The average rate for the prior week (2025-06-27) was 6.71% and one month ago for the week of 2025-05-30, the average rate was 6.64%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.05%.

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

    College Station 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 College Station level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 48 5.92% $6,483
    Mortgage Research Center, LLC 33 6.59% $6,426
    DHI MORTGAGE COMPANY, LTD. 20 5.20% $7,005
    FREEDOM MORTGAGE CORPORATION 17 6.09% $10,552
    PILGRIM MORTGAGE LLC 15 5.86% $8,654
    NAVY FEDERAL CREDIT UNION 13 5.76% $4,528
    NEW FED MORTGAGE, CORP. 11 6.06% $12,106
    CMG MORTGAGE, INC. 11 5.88% $12,339
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.69% $8,523
    EAGLE HOME MORTGAGE, LLC 7 4.55% $3,146
    USAA Federal Savings Bank 7 6.21% $9,237
    City Bank 6 6.67% $10,943
    QUICKEN LOANS, LLC 6 5.93% $9,263
    NEWREZ LLC 6 6.38% $13,507
    Equity Prime Mortgage LLC 5 6.25% $10,404
    GARDNER FINANCIAL SERVICES, LTD. 5 6.13% $15,574
    CROSSCOUNTRY MORTGAGE, LLC 4 6.72% $14,067
    SWBC MORTGAGE CORPORATION 4 5.94% $2,701
    PENNYMAC LOAN SERVICES, LLC 3 5.21% $5,987
    INSPIRE HOME LOANS INC. 3 5.42% $6,464
    LAKEVIEW LOAN SERVICING, LLC 3 6.00% $5,971
    CLEARPATH LENDING 3 5.92% $3,133
    First Financial Bank 3 5.92% $12,253
    Paramount Residential Mortgage Group, Inc. 3 6.16% $7,891
    Wallick & Volk, Inc. 3 6.25% $3,373
    ADVISA MORTGAGE SERVICES, LTD. 2 5.92% $9,914
    Mr. Cooper ( Nationstar Mortgage ) 2 6.00% $9,157
    AmeriHome Mortgage Company, LLC 2 6.06% $4,707
    First Federal Bank 2 5.88% $14,738
    SFMC, LP 2 6.19% $11,855
    MOVEMENT MORTGAGE, LLC 2 6.25% $4,440
    GUARANTEED RATE, INC. 2 6.19% $6,112
    TruHome Solutions, LLC 2 6.31% $6,025
    VILLAGE CAPITAL MORTGAGE 2 5.37% $4,747
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 5.94% $8,320
    HOMESIDE FINANCIAL, LLC 2 6.25% $10,841
    SUN WEST MORTGAGE COMPANY, INC. 1 5.75% $4,316
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $8,142
    American Mortgage & Equity Consultants, Inc. 1 7.75% $12,796
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.00% $2,534
    CARDINAL FINANCIAL 1 6.25% $42,850
    Carrington Mortgage Services, LLC 1 5.63% $4,147
    Century Mortgage Company DBA Century Lending Company 1 5.75% $0
    CORNERSTONE HOME LENDING, INC. 1 6.75% $2,911
    Credence Funding Corporation 1 5.88% $13,015
    DAS Acquisition Company, LLC 1 6.13% $0
    Extraco Banks 1 5.63% $4,231
    FIRST COLONY MORTGAGE CORPORATION 1 5.63% $3,342
    JPMorgan Chase Bank 1 6.50% $0
    Lakeview Community Capital, LLC 1 6.25% $4,213
    LEGEND LENDING CORPORATION 1 6.13% $12,798
    LOANDEPOT.COM, LLC 1 6.63% $6,737
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $1,395
    Nations Lending Corporation 1 6.25% $5,225
    NATIONS RELIABLE LENDING, LLC 1 6.75% $26,166
    PHH Mortgage Corporation 1 4.75% $7,829
    PLANET HOME LENDING, LLC 1 4.63% $10,914
    PREMIA MORTGAGE, LLC 1 5.75% $8,009
    SeaTrust Mortgage Company 1 6.50% $7,944
    SOUTHWEST STAGE FUNDING, LLC 1 5.38% $4,872
    S&S Financial 1 5.63% $4,315
    The Loan Store, Inc. 1 6.25% $5,602

    The top College Station VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 48 VA loans originated. Their average total fees are $6,483, which is $57 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee College Station VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($4,528), Mortgage Research Center, LLC ($6,426), UNITED WHOLESALE MORTGAGE, LLC ($6,483), DHI MORTGAGE COMPANY, LTD. ($7,005) and PILGRIM MORTGAGE LLC ($8,654).

    The lowest rate College Station VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.20%), NAVY FEDERAL CREDIT UNION (5.76%), PILGRIM MORTGAGE LLC (5.86%), CMG MORTGAGE, INC. (5.88%) and UNITED WHOLESALE MORTGAGE, LLC (5.92%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - College Station (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 $288,250 (-6.0%) $390,378 (-0.9%) 1.07 901
    2018-02-01 $279,900 (-9.7%) $391,718 (-1.6%) 1.02 973
    2018-03-01 $275,900 (-14.1%) $387,148 (-8.1%) 0.97 1,026
    2018-04-01 $274,900 (-15.4%) $383,979 (-10.1%) 0.93 1,077
    2018-05-01 $269,950 (-17.9%) $381,726 (-10.7%) 0.90 1,135
    2018-06-01 $269,900 (-5.2%) $379,306 (5.6%) 0.90 1,134
    2018-07-01 $269,900 (-3.6%) $375,223 (3.5%) 0.90 1,179
    2018-08-01 $269,900 (-14.4%) $378,816 (-7.1%) 0.90 1,132
    2018-09-01 $270,000 (-12.9%) $386,067 (-2.5%) 0.91 1,096
    2018-10-01 $269,900 (-12.9%) $389,782 (-2.9%) 0.91 1,091
    2018-11-01 $269,450 (-13.1%) $392,603 (-3.2%) 0.91 1,080
    2018-12-01 $266,500 (-11.1%) $369,931 (-7.0%) 0.92 1,045
    2019-01-01 $262,400 (-9.0%) $364,833 (-6.5%) 0.91 1,031
    2019-02-01 $259,675 (-7.2%) $351,383 (-10.3%) 0.88 1,132
    2019-03-01 $259,186 (-6.1%) $351,003 (-9.3%) 0.85 1,197
    2019-04-01 $264,925 (-3.6%) $353,458 (-8.0%) 0.84 1,265
    2019-05-01 $269,900 (0.0%) $355,701 (-6.8%) 0.84 1,278
    2019-06-01 $269,000 (-0.3%) $353,273 (-6.9%) 0.84 1,279
    2019-07-01 $269,825 (0.0%) $345,760 (-7.9%) 0.84 1,305
    2019-08-01 $269,791 (0.0%) $346,199 (-8.6%) 0.85 1,288
    2019-09-01 $269,627 (-0.1%) $350,728 (-9.2%) 0.86 1,270
    2019-10-01 $269,718 (-0.1%) $353,057 (-9.4%) 0.87 1,253
    2019-11-01 $269,900 (0.2%) $356,228 (-9.3%) 0.88 1,190
    2019-12-01 $269,950 (1.3%) $358,107 (-3.2%) 0.90 1,127
    2020-01-01 $262,450 (0.0%) $357,157 (-2.1%) 0.88 1,088
    2020-02-01 $265,900 (2.4%) $371,509 (5.7%) 0.87 1,243
    2020-03-01 $266,725 (2.9%) $365,307 (4.1%) 0.84 1,344
    2020-04-01 $271,450 (2.5%) $366,305 (3.6%) 0.85 1,338
    2020-05-01 $273,500 (1.3%) $366,868 (3.1%) 0.83 1,295
    2020-06-01 $277,313 (3.1%) $371,189 (5.1%) 0.82 1,186
    2020-07-01 $266,450 (-1.3%) $368,061 (6.5%) 0.77 1,148
    2020-08-01 $262,500 (-2.7%) $370,834 (7.1%) 0.75 1,077
    2020-09-01 $252,450 (-6.4%) $371,992 (6.1%) 0.72 1,047
    2020-10-01 $249,900 (-7.4%) $369,951 (4.8%) 0.72 975
    2020-11-01 $247,100 (-8.5%) $377,607 (6.0%) 0.72 910
    2020-12-01 $238,450 (-11.7%) $332,118 (-7.3%) 0.71 831
    2021-01-01 $239,900 (-8.6%) $331,686 (-7.1%) 0.72 729
    2021-02-01 $242,425 (-8.8%) $341,743 (-8.0%) 0.71 665
    2021-03-01 $254,369 (-4.6%) $367,714 (0.7%) 0.72 639
    2021-04-01 $271,754 (0.1%) $380,767 (4.0%) 0.74 526
    2021-05-01 $305,000 (11.5%) $442,146 (20.5%) 0.81 397
    2021-06-01 $324,950 (17.2%) $460,156 (24.0%) 0.86 396
    2021-07-01 $327,000 (22.7%) $485,062 (31.8%) 0.86 405
    2021-08-01 $298,450 (13.7%) $429,776 (15.9%) 0.80 475
    2021-09-01 $295,501 (17.1%) $428,337 (15.2%) 0.79 458
    2021-10-01 $306,000 (22.5%) $418,092 (13.0%) 0.82 427
    2021-11-01 $292,225 (18.3%) $419,085 (11.0%) 0.78 373
    2021-12-01 $289,225 (21.3%) $427,052 (28.6%) 0.78 336
    2022-01-01 $284,900 (18.8%) $434,206 (30.9%) 0.77 309
    2022-02-01 $322,000 (32.8%) $490,068 (43.4%) 0.84 324
    2022-03-01 $321,725 (26.5%) $478,284 (30.1%) 0.81 320
    2022-04-01 $329,000 (21.1%) $466,292 (22.5%) 0.78 366
    2022-05-01 $348,975 (14.4%) $504,473 (14.1%) 0.80 423
    2022-06-01 $357,875 (10.1%) $504,765 (9.7%) 0.80 563
    2022-07-01 $343,500 (5.1%) $497,576 (2.6%) 0.77 606
    2022-08-01 $351,700 (17.8%) $500,314 (16.4%) 0.81 675
    2022-09-01 $355,654 (20.4%) $502,627 (17.3%) 0.83 687
    2022-10-01 $353,443 (15.5%) $512,248 (22.5%) 0.83 737
    2022-11-01 $364,825 (24.8%) $516,564 (23.3%) 0.88 696
    2022-12-01 $369,999 (27.9%) $522,765 (22.4%) 0.91 682
    2023-01-01 $367,450 (29.0%) $518,266 (19.4%) 0.91 648
    2023-02-01 $359,950 (11.8%) $504,354 (2.9%) 0.87 642
    2023-03-01 $379,725 (18.0%) $540,957 (13.1%) 0.90 606
    2023-04-01 $399,900 (21.6%) $557,611 (19.6%) 0.93 613
    2023-05-01 $399,900 (14.6%) $551,049 (9.2%) 0.91 634
    2023-06-01 $380,000 (6.2%) $529,649 (4.9%) 0.85 708
    2023-07-01 $370,200 (7.8%) $513,633 (3.2%) 0.84 751
    2023-08-01 $370,250 (5.3%) $509,980 (1.9%) 0.85 842
    2023-09-01 $369,950 (4.0%) $502,044 (-0.1%) 0.86 898
    2023-10-01 $365,312 (3.4%) $492,545 (-3.9%) 0.86 942
    2023-11-01 $365,000 (0.1%) $485,726 (-6.0%) 0.87 935
    2023-12-01 $364,900 (-1.4%) $489,688 (-6.3%) 0.89 882
    2024-01-01 $366,250 (-0.3%) $485,993 (-6.2%) 0.89 861
    2024-02-01 $364,900 (1.4%) $480,764 (-4.7%) 0.88 887
    2024-03-01 $365,000 (-3.9%) $492,782 (-8.9%) 0.86 960
    2024-04-01 $364,950 (-8.7%) $496,122 (-11.0%) 0.85 1,017
    2024-05-01 $367,175 (-8.2%) $508,694 (-7.7%) 0.84 1,043
    2024-06-01 $366,000 (-3.7%) $506,254 (-4.4%) 0.83 1,089
    2024-07-01 $365,600 (-1.2%) $507,725 (-1.2%) 0.84 1,122
    2024-08-01 $366,200 (-1.1%) $505,479 (-0.9%) 0.85 1,161
    2024-09-01 $364,950 (-1.4%) $497,897 (-0.8%) 0.86 1,179
    2024-10-01 $357,258 (-2.2%) $493,725 (0.2%) 0.84 1,183
    2024-11-01 $359,000 (-1.6%) $499,913 (2.9%) 0.86 1,148
    2024-12-01 $358,320 (-1.8%) $494,923 (1.1%) 0.89 1,104
    2025-01-01 $355,450 (-3.0%) $488,101 (0.4%) 0.89 1,039
    2025-02-01 $365,550 (0.2%) $497,227 (3.4%) 0.89 1,092
    2025-03-01 $369,450 (1.2%) $508,321 (3.2%) 0.87 1,191
    2025-04-01 $374,950 (2.7%) $519,344 (4.7%) 0.87 1,217
    2025-05-01 $377,750 (2.9%) $530,915 (4.4%) 0.86 1,235
    College Station's median listing price for 2025-05-01 was $377,750, a difference of $10,575 (2.9%) versus the prior year and $2,800 versus the prior month.

    College Station's median listing price comes in at 86% of the national average.

    College Station's average listing price for 2025-05-01 was $530,915, a difference of $22,221 (4.4%) versus the prior year and $11,571 versus the prior month.

    For the 2025-05-01 period, College Station had 1,235 MLS listings, a difference of 18 listings (1%) versus the prior month and 192 listings (18%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - College Station (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 73 days 2,083 sqft
    2018-02-01 61 days 2,008 sqft
    2018-03-01 53 days 2,007 sqft
    2018-04-01 52 days 2,000 sqft
    2018-05-01 56 days 1,980 sqft
    2018-06-01 61 days 1,961 sqft
    2018-07-01 66 days 1,980 sqft
    2018-08-01 71 days 1,976 sqft
    2018-09-01 75 days 1,978 sqft
    2018-10-01 79 days 1,931 sqft
    2018-11-01 86 days 1,913 sqft
    2018-12-01 96 days 1,911 sqft
    2019-01-01 88 days 1,895 sqft
    2019-02-01 62 days 1,863 sqft
    2019-03-01 56 days 1,876 sqft
    2019-04-01 65 days 1,904 sqft
    2019-05-01 72 days 1,939 sqft
    2019-06-01 71 days 1,939 sqft
    2019-07-01 71 days 1,947 sqft
    2019-08-01 74 days 1,958 sqft
    2019-09-01 78 days 1,956 sqft
    2019-10-01 82 days 1,955 sqft
    2019-11-01 86 days 1,955 sqft
    2019-12-01 94 days 1,935 sqft
    2020-01-01 90 days 1,900 sqft
    2020-02-01 67 days 1,900 sqft
    2020-03-01 55 days 1,880 sqft
    2020-04-01 69 days 1,905 sqft
    2020-05-01 80 days 1,911 sqft
    2020-06-01 90 days 1,904 sqft
    2020-07-01 81 days 1,858 sqft
    2020-08-01 75 days 1,856 sqft
    2020-09-01 73 days 1,818 sqft
    2020-10-01 75 days 1,794 sqft
    2020-11-01 81 days 1,759 sqft
    2020-12-01 79 days 1,765 sqft
    2021-01-01 74 days 1,752 sqft
    2021-02-01 62 days 1,768 sqft
    2021-03-01 45 days 1,790 sqft
    2021-04-01 39 days 1,826 sqft
    2021-05-01 36 days 1,945 sqft
    2021-06-01 32 days 2,021 sqft
    2021-07-01 34 days 2,049 sqft
    2021-08-01 35 days 1,892 sqft
    2021-09-01 42 days 1,870 sqft
    2021-10-01 48 days 1,889 sqft
    2021-11-01 51 days 1,852 sqft
    2021-12-01 59 days 1,850 sqft
    2022-01-01 53 days 1,854 sqft
    2022-02-01 28 days 1,957 sqft
    2022-03-01 26 days 1,858 sqft
    2022-04-01 22 days 1,884 sqft
    2022-05-01 24 days 1,956 sqft
    2022-06-01 28 days 1,987 sqft
    2022-07-01 40 days 1,953 sqft
    2022-08-01 48 days 1,945 sqft
    2022-09-01 55 days 1,948 sqft
    2022-10-01 63 days 1,930 sqft
    2022-11-01 69 days 1,962 sqft
    2022-12-01 81 days 1,960 sqft
    2023-01-01 86 days 1,957 sqft
    2023-02-01 78 days 1,931 sqft
    2023-03-01 60 days 2,003 sqft
    2023-04-01 57 days 2,042 sqft
    2023-05-01 46 days 2,029 sqft
    2023-06-01 44 days 1,948 sqft
    2023-07-01 55 days 1,897 sqft
    2023-08-01 57 days 1,923 sqft
    2023-09-01 57 days 1,911 sqft
    2023-10-01 67 days 1,889 sqft
    2023-11-01 76 days 1,889 sqft
    2023-12-01 83 days 1,887 sqft
    2024-01-01 84 days 1,896 sqft
    2024-02-01 71 days 1,886 sqft
    2024-03-01 47 days 1,893 sqft
    2024-04-01 51 days 1,894 sqft
    2024-05-01 53 days 1,905 sqft
    2024-06-01 58 days 1,928 sqft
    2024-07-01 64 days 1,913 sqft
    2024-08-01 67 days 1,884 sqft
    2024-09-01 76 days 1,876 sqft
    2024-10-01 74 days 1,858 sqft
    2024-11-01 85 days 1,858 sqft
    2024-12-01 90 days 1,871 sqft
    2025-01-01 96 days 1,856 sqft
    2025-02-01 84 days 1,873 sqft
    2025-03-01 57 days 1,894 sqft
    2025-04-01 54 days 1,895 sqft
    2025-05-01 58 days 1,918 sqft
    College Station's median listing age (time on market) for 2025-05-01 was 58 days. This is 9% longer than the same period one year ago.

    College Station's median square footage for active listings during the 2025-05-01 period was 1,918 sqft. One year prior, the average listing was 1,905 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.