Corpus Christi VA Loan Rates, Closing Costs & Stats

CORPUS CHRISTI, 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.

    Corpus Christi's 87 lenders originated 793 VA loans during 2023. The total origination value was $261,445,000, with an average VA loan value of $329,691.

    Corpus Christi VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Corpus Christi averaged 6.52% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Corpus Christi's average VA mortgage closing costs are $6,426.

    The average rate for the prior week (2025-02-07) was 6.56% and one month ago for the week of 2025-01-10, the average rate was 6.59%.

    The average rate one year ago was 6.62%.

    For refis of the same type during the week of 2025-02-14, the average rate was 7.08%.

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

    Corpus Christi 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 Corpus Christi level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 126 6.64% $6,966
    DHI MORTGAGE COMPANY, LTD. 108 5.38% $7,641
    NAVY FEDERAL CREDIT UNION 89 5.82% $6,993
    UNITED WHOLESALE MORTGAGE, LLC 48 6.48% $10,475
    GARDNER FINANCIAL SERVICES, LTD. 26 6.69% $12,137
    CROSSCOUNTRY MORTGAGE, LLC 25 6.56% $8,940
    USAA Federal Savings Bank 23 6.39% $9,814
    GUILD MORTGAGE COMPANY 22 6.43% $13,522
    NEWREZ LLC 21 6.51% $10,464
    CMG MORTGAGE, INC. 19 6.14% $12,192
    QUICKEN LOANS, LLC 18 6.17% $14,576
    FREEDOM MORTGAGE CORPORATION 12 6.59% $7,291
    PRIMELENDING, A PLAINSCAPITAL COMPANY 11 6.43% $12,145
    MID AMERICA MORTGAGE, INC. 11 6.74% $18,939
    PENNYMAC LOAN SERVICES, LLC 10 5.66% $8,634
    EAGLE HOME MORTGAGE, LLC 10 4.85% $5,784
    PENTAGON FEDERAL CREDIT UNION 9 5.83% $12,116
    PLAZA HOME MORTGAGE, INC. 8 6.28% $11,657
    AMCAP MORTGAGE, LTD. 8 6.67% $9,102
    AMERICAN PACIFIC MORTGAGE CORPORATION 7 6.80% $9,353
    UNION HOME MORTGAGE CORP. 7 6.84% $11,129
    MORTGAGE SOLUTIONS OF COLORADO, LLC 6 8.13% $2,622
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.39% $11,618
    WILLOW BEND MORTGAGE COMPANY, LLC 6 6.67% $9,129
    LEGEND LENDING CORPORATION 6 6.69% $10,908
    LOANDEPOT.COM, LLC 5 6.42% $8,501
    First National Bank Texas 5 6.45% $8,147
    ACADEMY MORTGAGE CORPORATION 5 6.18% $11,033
    Barrington Bank & Trust Company, N.A. 5 6.35% $8,497
    Paramount Residential Mortgage Group, Inc. 5 6.23% $9,922
    GUARANTEED RATE, INC. 4 5.78% $10,636
    Gateway First Bank 4 5.93% $6,663
    Mid-Continent Funding, Inc. 3 5.50% $15,872
    Plains Commerce Bank 3 6.25% $9,830
    CARDINAL FINANCIAL 3 6.25% $17,894
    U.S. Bank 3 6.25% $10,504
    Neighborhood Loans, Inc. 3 6.28% $10,998
    Equity Prime Mortgage LLC 3 7.25% $10,943
    PRIMARY RESIDENTIAL MORTGAGE, INC. 3 6.75% $4,418
    Extraco Banks 3 6.46% $15,982
    SECURITYNATIONAL MORTGAGE COMPANY 3 6.13% $12,540
    The Central Trust Bank 2 4.94% $14,513
    BROKER SOLUTIONS, INC. 2 6.38% $18,188
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.12% $14,926
    Ixonia Bank 2 6.19% $8,612
    MOVEMENT MORTGAGE, LLC 2 6.25% $5,391
    NBKC BANK 2 6.00% $9,065
    Wells Fargo Bank 2 6.50% $10,325
    LOANFLIGHT LENDING, LLC 1 6.25% $11,488
    Watermark Capital, Inc. 1 5.50% $10,396
    Mr. Cooper ( Nationstar Mortgage ) 1 6.25% $14,256
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.13% $8,339
    LEADERONE FINANCIAL CORPORATION 1 6.38% $7,691
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.75% $3,710
    LAKEVIEW LOAN SERVICING, LLC 1 5.00% $12,324
    NETWORK CAPITAL FUNDING CORPORATION 1 5.50% $14,325
    Network Funding, L.P. 1 6.75% $7,206
    NEW DAY FINANCIAL, LLC 1 7.50% $7,030
    KBHS HOME LOANS, LLC 1 6.25% $3,066
    NFM, INC. 1 7.63% $14,253
    Northpointe Bank 1 5.50% $13,540
    JPMorgan Chase Bank 1 6.25% $14,195
    GREENSTATE CREDIT UNION 1 5.63% $9,187
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.38% $13,042
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.75% $7,645
    EVERETT FINANCIAL, INC. 1 7.75% $9,732
    PREMIA MORTGAGE, LLC 1 5.75% $4,280
    Presidential Bank, FSB 1 6.25% $8,016
    DIRECTIONS EQUITY, LLC 1 5.75% $6,901
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.00% $10,000
    Citizens Bank 1 7.25% $15,682
    RB MORTGAGE LLC 1 6.00% $3,053
    RELIANCE FIRST CAPITAL, LLC 1 7.25% $3,836
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 5.50% $11,331
    CADENCE LENDING GROUP, INC. 1 4.57% $12,119
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.63% $8,217
    BNC National Bank 1 5.00% $7,323
    THRIVE MORTGAGE, LLC 1 5.75% $9,666
    TJC Mortgage, Inc. 1 6.25% $4,838
    BancorpSouth 1 6.88% $4,758
    AXIA FINANCIAL, LLC 1 5.50% $6,737
    Assurance Financial Group, L.L.C. 1 5.63% $10,002
    AmeriHome Mortgage Company, LLC 1 6.75% $7,968
    V.I.P. MORTGAGE, INC. 1 6.75% $3,428
    MANN FINANCIAL INC. 1 7.00% $19,250
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.99% $8,015
    Loan Simple, Inc. 1 5.75% $12,756

    The top Corpus Christi VA lender as defined by loan originations is Mortgage Research Center, LLC, with 126 VA loans originated. Their average total fees are $6,966, which is $674 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Corpus Christi VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($5,784), Mortgage Research Center, LLC ($6,966), NAVY FEDERAL CREDIT UNION ($6,993), FREEDOM MORTGAGE CORPORATION ($7,291) and DHI MORTGAGE COMPANY, LTD. ($7,641).

    The lowest rate Corpus Christi VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.85%), DHI MORTGAGE COMPANY, LTD. (5.38%), PENNYMAC LOAN SERVICES, LLC (5.66%), NAVY FEDERAL CREDIT UNION (5.82%) and CMG MORTGAGE, INC. (6.14%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Corpus Christi (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 $232,950 (-2.0%) $305,127 (-4.1%) 0.85 2,154
    2018-02-01 $236,975 (-1.0%) $305,332 (-4.3%) 0.85 2,146
    2018-03-01 $239,900 (0.0%) $314,213 (-3.9%) 0.84 2,143
    2018-04-01 $240,000 (-1.9%) $317,108 (-4.3%) 0.81 2,193
    2018-05-01 $239,950 (0.0%) $320,182 (-2.5%) 0.80 2,207
    2018-06-01 $239,900 (0.0%) $318,740 (-3.1%) 0.80 2,326
    2018-07-01 $239,900 (0.0%) $319,046 (-1.7%) 0.80 2,351
    2018-08-01 $239,975 (-0.4%) $318,559 (-2.4%) 0.80 2,393
    2018-09-01 $240,000 (0.3%) $320,138 (0.6%) 0.80 2,416
    2018-10-01 $240,075 (1.8%) $321,052 (3.6%) 0.80 2,410
    2018-11-01 $239,700 (2.3%) $318,725 (4.9%) 0.79 2,383
    2018-12-01 $239,990 (3.3%) $319,607 (5.9%) 0.81 2,258
    2019-01-01 $243,495 (4.5%) $322,522 (5.7%) 0.82 2,201
    2019-02-01 $245,000 (3.4%) $326,130 (6.8%) 0.81 2,265
    2019-03-01 $249,429 (4.0%) $331,951 (5.7%) 0.80 2,316
    2019-04-01 $254,200 (5.9%) $338,536 (6.8%) 0.79 2,374
    2019-05-01 $259,250 (8.0%) $341,906 (6.8%) 0.78 2,462
    2019-06-01 $255,000 (6.3%) $344,382 (8.0%) 0.78 2,472
    2019-07-01 $259,313 (8.1%) $346,376 (8.6%) 0.78 2,479
    2019-08-01 $259,000 (7.9%) $347,571 (9.1%) 0.79 2,438
    2019-09-01 $259,000 (7.9%) $349,326 (9.1%) 0.80 2,374
    2019-10-01 $259,000 (7.9%) $350,153 (9.1%) 0.81 2,309
    2019-11-01 $257,100 (7.3%) $346,036 (8.6%) 0.82 2,261
    2019-12-01 $256,625 (6.9%) $344,710 (7.9%) 0.83 2,194
    2020-01-01 $255,000 (4.7%) $344,263 (6.7%) 0.83 2,096
    2020-02-01 $264,000 (7.8%) $357,067 (9.5%) 0.83 2,080
    2020-03-01 $269,925 (8.2%) $371,777 (12.0%) 0.82 2,103
    2020-04-01 $268,900 (5.8%) $372,929 (10.2%) 0.81 2,088
    2020-05-01 $275,400 (6.2%) $381,632 (11.6%) 0.82 1,925
    2020-06-01 $281,450 (10.4%) $389,133 (13.0%) 0.79 1,684
    2020-07-01 $282,450 (8.9%) $397,290 (14.7%) 0.79 1,548
    2020-08-01 $289,000 (11.6%) $397,842 (14.5%) 0.80 1,467
    2020-09-01 $289,950 (12.0%) $408,154 (16.8%) 0.80 1,407
    2020-10-01 $289,950 (12.0%) $405,055 (15.7%) 0.80 1,344
    2020-11-01 $285,000 (10.9%) $398,520 (15.2%) 0.82 1,351
    2020-12-01 $282,450 (10.1%) $396,189 (14.9%) 0.81 1,272
    2021-01-01 $284,900 (11.7%) $402,632 (17.0%) 0.81 1,149
    2021-02-01 $284,900 (7.9%) $405,305 (13.5%) 0.79 1,061
    2021-03-01 $290,187 (7.5%) $408,314 (9.8%) 0.78 973
    2021-04-01 $293,415 (9.1%) $416,636 (11.7%) 0.75 905
    2021-05-01 $309,900 (12.5%) $443,598 (16.2%) 0.78 842
    2021-06-01 $303,750 (7.9%) $446,811 (14.8%) 0.77 847
    2021-07-01 $315,000 (11.5%) $449,345 (13.1%) 0.79 1,001
    2021-08-01 $314,475 (8.8%) $441,412 (11.0%) 0.80 1,083
    2021-09-01 $304,950 (5.2%) $431,198 (5.7%) 0.77 1,143
    2021-10-01 $315,000 (8.6%) $434,415 (7.3%) 0.79 1,131
    2021-11-01 $324,950 (14.0%) $437,049 (9.7%) 0.79 1,078
    2021-12-01 $311,450 (10.3%) $430,014 (8.5%) 0.78 1,004
    2022-01-01 $312,900 (9.8%) $432,773 (7.5%) 0.78 991
    2022-02-01 $327,450 (14.9%) $456,449 (12.6%) 0.78 892
    2022-03-01 $324,500 (11.8%) $465,388 (14.0%) 0.76 887
    2022-04-01 $336,475 (14.7%) $465,058 (11.6%) 0.75 951
    2022-05-01 $349,450 (12.8%) $469,862 (5.9%) 0.76 1,099
    2022-06-01 $349,950 (15.2%) $474,211 (6.1%) 0.74 1,288
    2022-07-01 $342,128 (8.6%) $459,939 (2.4%) 0.72 1,548
    2022-08-01 $332,000 (5.6%) $451,819 (2.4%) 0.72 1,677
    2022-09-01 $325,000 (6.6%) $452,170 (4.9%) 0.73 1,633
    2022-10-01 $323,900 (2.8%) $452,634 (4.2%) 0.73 1,676
    2022-11-01 $325,000 (0.0%) $454,961 (4.1%) 0.75 1,755
    2022-12-01 $324,900 (4.3%) $447,537 (4.1%) 0.77 1,664
    2023-01-01 $328,263 (4.9%) $445,341 (2.9%) 0.79 1,596
    2023-02-01 $335,000 (2.3%) $456,400 (0.0%) 0.79 1,564
    2023-03-01 $346,373 (6.7%) $467,387 (0.4%) 0.78 1,639
    2023-04-01 $359,900 (7.0%) $485,167 (4.3%) 0.81 1,666
    2023-05-01 $369,000 (5.6%) $501,603 (6.8%) 0.81 1,713
    2023-06-01 $374,365 (7.0%) $507,012 (6.9%) 0.81 1,921
    2023-07-01 $369,250 (7.9%) $498,878 (8.5%) 0.81 1,965
    2023-08-01 $374,725 (12.9%) $502,717 (11.3%) 0.82 2,054
    2023-09-01 $360,000 (10.8%) $489,966 (8.4%) 0.81 2,144
    2023-10-01 $359,992 (11.1%) $491,607 (8.6%) 0.82 2,217
    2023-11-01 $359,900 (10.7%) $485,368 (6.7%) 0.83 2,254
    2023-12-01 $359,000 (10.5%) $478,879 (7.0%) 0.83 2,231
    2024-01-01 $359,900 (9.6%) $478,327 (7.4%) 0.83 2,190
    2024-02-01 $356,240 (6.3%) $474,232 (3.9%) 0.81 2,243
    2024-03-01 $365,000 (5.4%) $488,516 (4.5%) 0.81 2,415
    2024-04-01 $368,850 (2.5%) $493,336 (1.7%) 0.81 2,547
    2024-05-01 $377,000 (2.2%) $502,331 (0.2%) 0.81 2,658
    2024-06-01 $380,000 (1.5%) $507,742 (0.1%) 0.83 2,779
    2024-07-01 $385,000 (4.3%) $513,473 (2.9%) 0.85 2,905
    2024-08-01 $375,000 (0.1%) $499,699 (-0.6%) 0.83 2,884
    2024-09-01 $364,950 (1.4%) $491,568 (0.3%) 0.82 2,911
    2024-10-01 $359,450 (-0.2%) $483,691 (-1.6%) 0.80 2,849
    2024-11-01 $349,999 (-2.8%) $474,486 (-2.2%) 0.80 2,882
    2024-12-01 $348,250 (-3.0%) $469,162 (-2.0%) 0.81 2,875
    2025-01-01 $343,750 (-4.5%) $463,910 (-3.0%) 0.00 2,762
    Corpus Christi's median listing price for 2025-01-01 was $343,750, a difference of $-16,150 (-4.5%) versus the prior year and $-4,500 versus the prior month.

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

    Corpus Christi's average listing price for 2025-01-01 was $463,910, a difference of $-14,417 (-3.0%) versus the prior year and $-5,252 versus the prior month.

    For the 2025-01-01 period, Corpus Christi had 2,762 MLS listings, a difference of -113 listings (-4%) versus the prior month and 572 listings (26%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Corpus Christi (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 98 days 1,809 sqft
    2018-02-01 88 days 1,813 sqft
    2018-03-01 66 days 1,826 sqft
    2018-04-01 63 days 1,839 sqft
    2018-05-01 65 days 1,835 sqft
    2018-06-01 64 days 1,844 sqft
    2018-07-01 62 days 1,852 sqft
    2018-08-01 65 days 1,859 sqft
    2018-09-01 73 days 1,875 sqft
    2018-10-01 77 days 1,880 sqft
    2018-11-01 82 days 1,874 sqft
    2018-12-01 87 days 1,850 sqft
    2019-01-01 93 days 1,835 sqft
    2019-02-01 83 days 1,809 sqft
    2019-03-01 76 days 1,812 sqft
    2019-04-01 72 days 1,816 sqft
    2019-05-01 73 days 1,820 sqft
    2019-06-01 75 days 1,824 sqft
    2019-07-01 73 days 1,827 sqft
    2019-08-01 76 days 1,838 sqft
    2019-09-01 77 days 1,847 sqft
    2019-10-01 80 days 1,852 sqft
    2019-11-01 89 days 1,845 sqft
    2019-12-01 96 days 1,816 sqft
    2020-01-01 92 days 1,809 sqft
    2020-02-01 87 days 1,796 sqft
    2020-03-01 68 days 1,806 sqft
    2020-04-01 73 days 1,785 sqft
    2020-05-01 85 days 1,826 sqft
    2020-06-01 86 days 1,842 sqft
    2020-07-01 73 days 1,872 sqft
    2020-08-01 75 days 1,871 sqft
    2020-09-01 73 days 1,869 sqft
    2020-10-01 71 days 1,866 sqft
    2020-11-01 71 days 1,788 sqft
    2020-12-01 81 days 1,788 sqft
    2021-01-01 85 days 1,772 sqft
    2021-02-01 66 days 1,782 sqft
    2021-03-01 64 days 1,771 sqft
    2021-04-01 60 days 1,731 sqft
    2021-05-01 51 days 1,787 sqft
    2021-06-01 52 days 1,769 sqft
    2021-07-01 45 days 1,777 sqft
    2021-08-01 51 days 1,758 sqft
    2021-09-01 52 days 1,748 sqft
    2021-10-01 56 days 1,763 sqft
    2021-11-01 59 days 1,768 sqft
    2021-12-01 57 days 1,744 sqft
    2022-01-01 63 days 1,735 sqft
    2022-02-01 56 days 1,772 sqft
    2022-03-01 48 days 1,763 sqft
    2022-04-01 39 days 1,745 sqft
    2022-05-01 38 days 1,779 sqft
    2022-06-01 40 days 1,755 sqft
    2022-07-01 44 days 1,757 sqft
    2022-08-01 51 days 1,689 sqft
    2022-09-01 63 days 1,667 sqft
    2022-10-01 68 days 1,703 sqft
    2022-11-01 77 days 1,715 sqft
    2022-12-01 75 days 1,713 sqft
    2023-01-01 82 days 1,713 sqft
    2023-02-01 73 days 1,710 sqft
    2023-03-01 62 days 1,715 sqft
    2023-04-01 62 days 1,715 sqft
    2023-05-01 64 days 1,709 sqft
    2023-06-01 57 days 1,717 sqft
    2023-07-01 59 days 1,712 sqft
    2023-08-01 64 days 1,723 sqft
    2023-09-01 65 days 1,711 sqft
    2023-10-01 67 days 1,706 sqft
    2023-11-01 72 days 1,703 sqft
    2023-12-01 78 days 1,674 sqft
    2024-01-01 80 days 1,673 sqft
    2024-02-01 74 days 1,657 sqft
    2024-03-01 62 days 1,641 sqft
    2024-04-01 64 days 1,625 sqft
    2024-05-01 69 days 1,623 sqft
    2024-06-01 71 days 1,630 sqft
    2024-07-01 76 days 1,639 sqft
    2024-08-01 80 days 1,626 sqft
    2024-09-01 86 days 1,623 sqft
    2024-10-01 85 days 1,619 sqft
    2024-11-01 84 days 1,635 sqft
    2024-12-01 86 days 1,635 sqft
    2025-01-01 0 days 1,640 sqft
    Corpus Christi's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Corpus Christi's median square footage for active listings during the 2025-01-01 period was 1,640 sqft. One year prior, the average listing was 1,673 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.