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 94 lenders originated 943 VA loans during 2024. The total origination value was $313,315,000, with an average VA loan value of $332,253.

    Corpus Christi VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Corpus Christi averaged 6.47% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Corpus Christi's average VA mortgage closing costs are $6,575.

    The average rate for the prior week (2025-05-16) was 6.76% and one month ago for the week of 2025-04-18, the average rate was 6.43%.

    The average rate one year ago was 6.75%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.52%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 151 6.37% $6,201
    DHI MORTGAGE COMPANY, LTD. 131 5.20% $6,934
    UNITED WHOLESALE MORTGAGE, LLC 83 5.91% $6,950
    NAVY FEDERAL CREDIT UNION 65 6.00% $5,910
    FREEDOM MORTGAGE CORPORATION 59 5.98% $7,812
    EAGLE HOME MORTGAGE, LLC 39 4.39% $4,775
    USAA Federal Savings Bank 25 6.41% $8,577
    VILLAGE CAPITAL MORTGAGE 23 5.68% $5,089
    GARDNER FINANCIAL SERVICES, LTD. 21 6.57% $10,696
    QUICKEN LOANS, LLC 19 5.82% $8,239
    CMG MORTGAGE, INC. 19 6.34% $10,680
    PENNYMAC LOAN SERVICES, LLC 18 5.78% $8,692
    CROSSCOUNTRY MORTGAGE, LLC 18 6.30% $9,388
    GUILD MORTGAGE COMPANY 15 6.66% $12,555
    Gateway First Bank 11 6.30% $6,464
    GUARANTEED RATE, INC. 9 6.06% $9,594
    MORTGAGE SOLUTIONS OF COLORADO, LLC 8 7.25% $2,497
    Equity Prime Mortgage LLC 8 6.41% $15,859
    BROKER SOLUTIONS, INC. 8 5.94% $12,739
    DAS Acquisition Company, LLC 6 6.47% $9,906
    MID AMERICA MORTGAGE, INC. 6 6.58% $27,765
    NEWREZ LLC 6 6.04% $7,185
    PLANET HOME LENDING, LLC 5 5.77% $4,064
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 5.84% $7,699
    WILLOW BEND MORTGAGE COMPANY, LLC 5 6.55% $8,295
    NBKC BANK 5 5.98% $8,207
    LEGEND LENDING CORPORATION 4 6.47% $14,741
    First National Bank Texas 4 6.00% $4,050
    LOANDEPOT.COM, LLC 4 6.44% $16,690
    Presidential Bank, FSB 4 6.41% $8,677
    LAKEVIEW LOAN SERVICING, LLC 4 5.69% $5,668
    GoPrime Mortgage, Inc. 4 6.31% $7,199
    UNION HOME MORTGAGE CORP. 4 6.59% $8,309
    NAVY ARMY COMMUNITY CREDIT UNION 3 6.21% $5,553
    Network Funding, L.P. 3 5.73% $9,300
    EVERETT FINANCIAL, INC. 3 6.75% $11,161
    PRIMARY RESIDENTIAL MORTGAGE, INC. 3 6.92% $4,680
    First Federal Bank 3 5.71% $7,284
    AmeriHome Mortgage Company, LLC 3 6.08% $7,958
    Century Mortgage Company DBA Century Lending Company 3 5.96% $9,940
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.29% $16,390
    HOMESIDE FINANCIAL, LLC 2 6.50% $11,930
    CORNERSTONE HOME LENDING, INC. 2 5.50% $4,199
    Wells Fargo Bank 2 6.38% $4,927
    SWBC MORTGAGE CORPORATION 2 5.88% $16,478
    SFMC, LP 2 6.37% $6,755
    LOANPEOPLE, LLC 2 6.81% $8,668
    SeaTrust Mortgage Company 2 6.69% $6,881
    Barrington Bank & Trust Company, N.A. 2 6.94% $2,976
    Armed Forces Bank 2 6.13% $10,657
    Extraco Banks 2 6.38% $9,663
    Paramount Residential Mortgage Group, Inc. 2 6.19% $11,339
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.75% $4,704
    MOVEMENT MORTGAGE, LLC 2 6.44% $9,017
    Mr. Cooper ( Nationstar Mortgage ) 2 6.69% $4,331
    DIRECTIONS EQUITY, LLC 2 6.75% $12,985
    NBH Bank 1 5.99% $7,165
    ALLIANT CREDIT UNION 1 5.63% $9,389
    AMERICAN FINANCIAL NETWORK, INC. 1 6.13% $10,129
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 4.99% $6,067
    Ameris Bank 1 6.13% $6,637
    CALCON MUTUAL MORTGAGE LLC 1 6.50% $30,163
    CHURCHILL MORTGAGE CORPORATION 1 6.75% $12,810
    ENVOY MORTGAGE, LTD 1 6.50% $8,458
    FBC MORTGAGE, LLC 1 6.75% $11,950
    FIRST COMMUNITY MORTGAGE, INC. 1 5.25% $6,106
    GENEVA FINANCIAL, LLC 1 7.13% $3,003
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.75% $9,796
    GUARANTEED RATE AFFINITY, LLC 1 6.25% $5,784
    Hamilton Mortgage Corporation 1 6.63% $8,098
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.75% $11,054
    Lakeview Community Capital, LLC 1 5.25% $3,233
    Mid-Continent Funding, Inc. 1 6.00% $11,288
    MORTGAGE ACCESS CORP. 1 7.13% $16,877
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.12% $23,792
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.00% $4,525
    Alcova Mortgage LLC 1 6.13% $16,517
    NFM, INC. 1 6.13% $4,260
    NORWICH COMMERCIAL GROUP, INC. 1 6.25% $9,336
    PENTAGON FEDERAL CREDIT UNION 1 5.88% $10,531
    PHH Mortgage Corporation 1 5.63% $6,061
    Plains Commerce Bank 1 6.75% $7,773
    PLAZA HOME MORTGAGE, INC. 1 6.50% $8,120
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.25% $12,960
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.75% $3,337
    SECURITYNATIONAL MORTGAGE COMPANY 1 7.25% $14,424
    Semper Home Loans, Inc. 1 7.00% $5,262
    SUMMIT FUNDING, INC. 1 6.63% $8,345
    SUN WEST MORTGAGE COMPANY, INC. 1 6.50% $3,647
    T2 FINANCIAL LLC 1 5.50% $11,227
    The Loan Store, Inc. 1 5.75% $2,736
    TOWNE MORTGAGE COMPANY 1 5.75% $16,673
    U.S. Bank 1 6.13% $4,516
    Watermark Capital, Inc. 1 5.13% $17,643

    The top Corpus Christi VA lender as defined by loan originations is Mortgage Research Center, LLC, with 151 VA loans originated. Their average total fees are $6,201, which is $733 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 ($4,775), VILLAGE CAPITAL MORTGAGE ($5,089), NAVY FEDERAL CREDIT UNION ($5,910), Mortgage Research Center, LLC ($6,201) and Gateway First Bank ($6,464).

    The lowest rate Corpus Christi VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.39%), DHI MORTGAGE COMPANY, LTD. (5.20%), VILLAGE CAPITAL MORTGAGE (5.68%), PENNYMAC LOAN SERVICES, LLC (5.78%) and QUICKEN LOANS, LLC (5.82%).

    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%) 0.86 2,154
    2018-02-01 $236,975 (-1.0%) $305,332 (-4.3%) 0.86 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%) 0.81 2,416
    2018-10-01 $240,075 (1.8%) $321,052 (3.6%) 0.81 2,410
    2018-11-01 $239,700 (2.3%) $318,725 (4.9%) 0.81 2,383
    2018-12-01 $239,990 (3.3%) $319,607 (5.9%) 0.83 2,258
    2019-01-01 $243,495 (4.5%) $322,522 (5.7%) 0.84 2,201
    2019-02-01 $245,000 (3.4%) $326,130 (6.8%) 0.83 2,265
    2019-03-01 $249,429 (4.0%) $331,951 (5.7%) 0.82 2,316
    2019-04-01 $254,200 (5.9%) $338,536 (6.8%) 0.81 2,374
    2019-05-01 $259,250 (8.0%) $341,906 (6.8%) 0.81 2,462
    2019-06-01 $255,000 (6.3%) $344,382 (8.0%) 0.80 2,472
    2019-07-01 $259,313 (8.1%) $346,376 (8.6%) 0.81 2,479
    2019-08-01 $259,000 (7.9%) $347,571 (9.1%) 0.82 2,438
    2019-09-01 $259,000 (7.9%) $349,326 (9.1%) 0.83 2,374
    2019-10-01 $259,000 (7.9%) $350,153 (9.1%) 0.84 2,309
    2019-11-01 $257,100 (7.3%) $346,036 (8.6%) 0.84 2,261
    2019-12-01 $256,625 (6.9%) $344,710 (7.9%) 0.86 2,194
    2020-01-01 $255,000 (4.7%) $344,263 (6.7%) 0.85 2,096
    2020-02-01 $264,000 (7.8%) $357,067 (9.5%) 0.86 2,080
    2020-03-01 $269,925 (8.2%) $371,777 (12.0%) 0.85 2,103
    2020-04-01 $268,900 (5.8%) $372,929 (10.2%) 0.84 2,088
    2020-05-01 $275,400 (6.2%) $381,632 (11.6%) 0.84 1,925
    2020-06-01 $281,450 (10.4%) $389,133 (13.0%) 0.83 1,684
    2020-07-01 $282,450 (8.9%) $397,290 (14.7%) 0.82 1,548
    2020-08-01 $289,000 (11.6%) $397,842 (14.5%) 0.83 1,467
    2020-09-01 $289,950 (12.0%) $408,154 (16.8%) 0.83 1,407
    2020-10-01 $289,950 (12.0%) $405,055 (15.7%) 0.83 1,344
    2020-11-01 $285,000 (10.9%) $398,520 (15.2%) 0.83 1,351
    2020-12-01 $282,450 (10.1%) $396,189 (14.9%) 0.84 1,272
    2021-01-01 $284,900 (11.7%) $402,632 (17.0%) 0.85 1,149
    2021-02-01 $284,900 (7.9%) $405,305 (13.5%) 0.83 1,061
    2021-03-01 $290,187 (7.5%) $408,314 (9.8%) 0.82 973
    2021-04-01 $293,415 (9.1%) $416,636 (11.7%) 0.79 905
    2021-05-01 $309,900 (12.5%) $443,598 (16.2%) 0.82 842
    2021-06-01 $303,750 (7.9%) $446,811 (14.8%) 0.80 847
    2021-07-01 $315,000 (11.5%) $449,345 (13.1%) 0.83 1,001
    2021-08-01 $314,475 (8.8%) $441,412 (11.0%) 0.84 1,083
    2021-09-01 $304,950 (5.2%) $431,198 (5.7%) 0.81 1,143
    2021-10-01 $315,000 (8.6%) $434,415 (7.3%) 0.84 1,131
    2021-11-01 $324,950 (14.0%) $437,049 (9.7%) 0.87 1,078
    2021-12-01 $311,450 (10.3%) $430,014 (8.5%) 0.84 1,004
    2022-01-01 $312,900 (9.8%) $432,773 (7.5%) 0.85 991
    2022-02-01 $327,450 (14.9%) $456,449 (12.6%) 0.85 892
    2022-03-01 $324,500 (11.8%) $465,388 (14.0%) 0.81 887
    2022-04-01 $336,475 (14.7%) $465,058 (11.6%) 0.80 951
    2022-05-01 $349,450 (12.8%) $469,862 (5.9%) 0.80 1,099
    2022-06-01 $349,950 (15.2%) $474,211 (6.1%) 0.78 1,288
    2022-07-01 $342,128 (8.6%) $459,939 (2.4%) 0.77 1,548
    2022-08-01 $332,000 (5.6%) $451,819 (2.4%) 0.77 1,677
    2022-09-01 $325,000 (6.6%) $452,170 (4.9%) 0.76 1,633
    2022-10-01 $323,900 (2.8%) $452,634 (4.2%) 0.76 1,676
    2022-11-01 $325,000 (0.0%) $454,961 (4.1%) 0.78 1,755
    2022-12-01 $324,900 (4.3%) $447,537 (4.1%) 0.80 1,664
    2023-01-01 $328,263 (4.9%) $445,341 (2.9%) 0.81 1,596
    2023-02-01 $335,000 (2.3%) $456,400 (0.0%) 0.81 1,564
    2023-03-01 $346,373 (6.7%) $467,387 (0.4%) 0.82 1,639
    2023-04-01 $359,900 (7.0%) $485,167 (4.3%) 0.84 1,666
    2023-05-01 $369,000 (5.6%) $501,603 (6.8%) 0.84 1,713
    2023-06-01 $374,365 (7.0%) $507,012 (6.9%) 0.84 1,921
    2023-07-01 $369,250 (7.9%) $498,878 (8.5%) 0.84 1,965
    2023-08-01 $374,725 (12.9%) $502,717 (11.3%) 0.86 2,054
    2023-09-01 $360,000 (10.8%) $489,966 (8.4%) 0.84 2,144
    2023-10-01 $359,992 (11.1%) $491,607 (8.6%) 0.85 2,217
    2023-11-01 $359,900 (10.7%) $485,368 (6.7%) 0.86 2,254
    2023-12-01 $359,000 (10.5%) $478,879 (7.0%) 0.88 2,231
    2024-01-01 $359,900 (9.6%) $478,327 (7.4%) 0.88 2,190
    2024-02-01 $356,240 (6.3%) $474,232 (3.9%) 0.86 2,243
    2024-03-01 $365,000 (5.4%) $488,516 (4.5%) 0.86 2,415
    2024-04-01 $368,850 (2.5%) $493,336 (1.7%) 0.86 2,547
    2024-05-01 $377,000 (2.2%) $502,331 (0.2%) 0.86 2,658
    2024-06-01 $380,000 (1.5%) $507,742 (0.1%) 0.86 2,779
    2024-07-01 $385,000 (4.3%) $513,473 (2.9%) 0.88 2,905
    2024-08-01 $375,000 (0.1%) $499,699 (-0.6%) 0.87 2,884
    2024-09-01 $364,950 (1.4%) $491,568 (0.3%) 0.86 2,911
    2024-10-01 $359,450 (-0.2%) $483,691 (-1.6%) 0.85 2,849
    2024-11-01 $349,999 (-2.8%) $474,486 (-2.2%) 0.84 2,882
    2024-12-01 $348,250 (-3.0%) $469,162 (-2.0%) 0.87 2,875
    2025-01-01 $343,750 (-4.5%) $463,910 (-3.0%) 0.86 2,762
    2025-02-01 $344,450 (-3.3%) $461,294 (-2.7%) 0.84 2,880
    2025-03-01 $365,000 (0.0%) $485,845 (-0.6%) 0.86 3,134
    2025-04-01 $373,900 (1.4%) $499,747 (1.3%) 0.87 3,767
    Corpus Christi's median listing price for 2025-04-01 was $373,900, a difference of $5,050 (1.4%) versus the prior year and $8,900 versus the prior month.

    Corpus Christi's median listing price comes in at 87% of the national average.

    Corpus Christi's average listing price for 2025-04-01 was $499,747, a difference of $6,411 (1.3%) versus the prior year and $13,902 versus the prior month.

    For the 2025-04-01 period, Corpus Christi had 3,767 MLS listings, a difference of 633 listings (20%) versus the prior month and 1,220 listings (48%) 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
    2018-01-01 100 days 1,809 sqft
    2018-02-01 92 days 1,813 sqft
    2018-03-01 70 days 1,826 sqft
    2018-04-01 64 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 66 days 1,859 sqft
    2018-09-01 74 days 1,875 sqft
    2018-10-01 79 days 1,880 sqft
    2018-11-01 85 days 1,874 sqft
    2018-12-01 89 days 1,850 sqft
    2019-01-01 94 days 1,835 sqft
    2019-02-01 85 days 1,809 sqft
    2019-03-01 78 days 1,812 sqft
    2019-04-01 73 days 1,816 sqft
    2019-05-01 74 days 1,820 sqft
    2019-06-01 76 days 1,824 sqft
    2019-07-01 77 days 1,827 sqft
    2019-08-01 80 days 1,838 sqft
    2019-09-01 80 days 1,847 sqft
    2019-10-01 83 days 1,852 sqft
    2019-11-01 92 days 1,845 sqft
    2019-12-01 100 days 1,816 sqft
    2020-01-01 95 days 1,809 sqft
    2020-02-01 88 days 1,796 sqft
    2020-03-01 68 days 1,806 sqft
    2020-04-01 75 days 1,785 sqft
    2020-05-01 88 days 1,826 sqft
    2020-06-01 90 days 1,842 sqft
    2020-07-01 76 days 1,872 sqft
    2020-08-01 78 days 1,871 sqft
    2020-09-01 74 days 1,869 sqft
    2020-10-01 70 days 1,866 sqft
    2020-11-01 72 days 1,788 sqft
    2020-12-01 82 days 1,788 sqft
    2021-01-01 85 days 1,772 sqft
    2021-02-01 68 days 1,782 sqft
    2021-03-01 66 days 1,771 sqft
    2021-04-01 57 days 1,731 sqft
    2021-05-01 48 days 1,787 sqft
    2021-06-01 52 days 1,769 sqft
    2021-07-01 47 days 1,777 sqft
    2021-08-01 52 days 1,758 sqft
    2021-09-01 53 days 1,748 sqft
    2021-10-01 57 days 1,763 sqft
    2021-11-01 61 days 1,768 sqft
    2021-12-01 59 days 1,744 sqft
    2022-01-01 67 days 1,735 sqft
    2022-02-01 59 days 1,772 sqft
    2022-03-01 49 days 1,763 sqft
    2022-04-01 40 days 1,745 sqft
    2022-05-01 40 days 1,779 sqft
    2022-06-01 43 days 1,755 sqft
    2022-07-01 46 days 1,757 sqft
    2022-08-01 53 days 1,689 sqft
    2022-09-01 64 days 1,667 sqft
    2022-10-01 69 days 1,703 sqft
    2022-11-01 74 days 1,715 sqft
    2022-12-01 74 days 1,713 sqft
    2023-01-01 82 days 1,713 sqft
    2023-02-01 75 days 1,710 sqft
    2023-03-01 63 days 1,715 sqft
    2023-04-01 62 days 1,715 sqft
    2023-05-01 65 days 1,709 sqft
    2023-06-01 60 days 1,717 sqft
    2023-07-01 63 days 1,712 sqft
    2023-08-01 68 days 1,723 sqft
    2023-09-01 68 days 1,711 sqft
    2023-10-01 69 days 1,706 sqft
    2023-11-01 75 days 1,703 sqft
    2023-12-01 81 days 1,674 sqft
    2024-01-01 85 days 1,673 sqft
    2024-02-01 76 days 1,657 sqft
    2024-03-01 63 days 1,641 sqft
    2024-04-01 65 days 1,625 sqft
    2024-05-01 71 days 1,623 sqft
    2024-06-01 74 days 1,630 sqft
    2024-07-01 79 days 1,639 sqft
    2024-08-01 85 days 1,626 sqft
    2024-09-01 88 days 1,623 sqft
    2024-10-01 88 days 1,619 sqft
    2024-11-01 87 days 1,635 sqft
    2024-12-01 91 days 1,635 sqft
    2025-01-01 87 days 1,640 sqft
    2025-02-01 85 days 1,622 sqft
    2025-03-01 70 days 1,615 sqft
    2025-04-01 67 days 1,622 sqft
    Corpus Christi's median listing age (time on market) for 2025-04-01 was 67 days. This is 3% longer than the same period one year ago.

    Corpus Christi's median square footage for active listings during the 2025-04-01 period was 1,622 sqft. One year prior, the average listing was 1,625 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.