Crescent City VA Loan Rates, Closing Costs & Stats
Crescent City, CA
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.
Crescent City's 10 lenders originated 21 VA loans during 2023. The total origination value was $6,645,000, with an average VA loan value of $316,429.
Crescent City VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Crescent City
averaged
6.44%
for the week of 2024-12-13, compared to the national average (all VA variants) of
6.077% for the same period.
Crescent City's average VA mortgage closing costs are $6,423.
The average rate for the prior week (2024-12-06) was
6.57% and
one month ago for the week of 2024-11-08, the
average rate was 6.47%.
The average rate one year ago was 6.82%.
For refis of the same type during the week of 2024-12-13, the average rate
was 5.88%.
Crescent City 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 Crescent City level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| Mortgage Research Center, LLC | 4 | 6.72% | $11,094 |
| UNITED WHOLESALE MORTGAGE, LLC | 3 | 6.03% | $8,816 |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | 6.13% | $9,670 |
| NAVY FEDERAL CREDIT UNION | 1 | 5.88% | $2,394 |
| Paramount Residential Mortgage Group, Inc. | 1 | 6.75% | $15,832 |
| USAA Federal Savings Bank | 1 | 6.00% | $10,461 |
| ACADEMY MORTGAGE CORPORATION | 1 | 5.75% | $8,108 |
| VILLAGE CAPITAL MORTGAGE | 1 | 7.88% | $8,875 |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | 7.25% | $4,019 |
| LOANDEPOT.COM, LLC | 1 | 6.13% | $13,578 |
The top Crescent City VA lender as defined by loan originations is Mortgage Research Center, LLC, with
4 VA loans originated. Their average total fees are
$11,094, which is $2,277
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Crescent City VA lenders (with over 10 loans originated) are
.
The lowest rate Crescent City VA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Crescent City (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 | $289,000 (6.1%) | $325,733 (-5.3%) | 0.00 | 116 |
| 2018-02-01 | $287,375 (3.0%) | $329,301 (-4.0%) | 0.00 | 102 |
| 2018-03-01 | $299,500 (8.9%) | $338,333 (1.7%) | 0.00 | 101 |
| 2018-04-01 | $297,000 (9.0%) | $330,799 (-2.4%) | 0.00 | 107 |
| 2018-05-01 | $317,125 (13.7%) | $360,822 (5.7%) | 0.00 | 125 |
| 2018-06-01 | $315,000 (6.4%) | $385,132 (8.1%) | 0.00 | 109 |
| 2018-07-01 | $299,000 (-8.8%) | $380,856 (2.6%) | 0.00 | 114 |
| 2018-08-01 | $285,000 (-11.6%) | $365,400 (3.4%) | 0.00 | 109 |
| 2018-09-01 | $315,000 (7.9%) | $378,960 (10.6%) | 0.00 | 104 |
| 2018-10-01 | $298,500 (3.3%) | $379,939 (10.9%) | 0.00 | 99 |
| 2018-11-01 | $304,750 (7.0%) | $390,729 (18.5%) | 0.00 | 95 |
| 2018-12-01 | $347,000 (21.4%) | $416,465 (30.6%) | 0.00 | 93 |
| 2019-01-01 | $355,000 (22.8%) | $417,285 (28.1%) | 0.00 | 101 |
| 2019-02-01 | $355,000 (23.5%) | $438,539 (33.2%) | 0.00 | 107 |
| 2019-03-01 | $366,429 (22.4%) | $464,580 (37.3%) | 0.00 | 100 |
| 2019-04-01 | $379,000 (27.6%) | $482,761 (45.9%) | 0.00 | 93 |
| 2019-05-01 | $370,500 (16.8%) | $471,644 (30.7%) | 0.00 | 100 |
| 2019-06-01 | $361,500 (14.8%) | $471,379 (22.4%) | 0.00 | 102 |
| 2019-07-01 | $370,750 (24.0%) | $488,325 (28.2%) | 0.00 | 115 |
| 2019-08-01 | $360,623 (26.5%) | $475,142 (30.0%) | 0.00 | 126 |
| 2019-09-01 | $351,807 (11.7%) | $462,072 (21.9%) | 0.00 | 135 |
| 2019-10-01 | $345,930 (15.9%) | $448,265 (18.0%) | 0.00 | 142 |
| 2019-11-01 | $350,000 (14.9%) | $447,067 (14.4%) | 0.00 | 122 |
| 2019-12-01 | $382,750 (10.3%) | $457,687 (9.9%) | 0.00 | 123 |
| 2020-01-01 | $389,000 (9.6%) | $487,007 (16.7%) | 0.00 | 106 |
| 2020-02-01 | $385,000 (8.5%) | $495,862 (13.1%) | 0.00 | 104 |
| 2020-03-01 | $378,375 (3.3%) | $467,517 (0.6%) | 0.00 | 119 |
| 2020-04-01 | $382,500 (0.9%) | $474,606 (-1.7%) | 0.00 | 112 |
| 2020-05-01 | $389,000 (5.0%) | $480,161 (1.8%) | 0.00 | 108 |
| 2020-06-01 | $393,725 (8.9%) | $507,767 (7.7%) | 0.00 | 103 |
| 2020-07-01 | $375,000 (1.2%) | $454,645 (-6.9%) | 0.00 | 142 |
| 2020-08-01 | $375,000 (4.0%) | $453,988 (-4.5%) | 0.00 | 145 |
| 2020-09-01 | $381,663 (8.5%) | $451,755 (-2.2%) | 0.00 | 129 |
| 2020-10-01 | $394,000 (13.9%) | $475,536 (6.1%) | 0.00 | 111 |
| 2020-11-01 | $389,000 (11.1%) | $579,775 (29.7%) | 0.00 | 110 |
| 2020-12-01 | $389,000 (1.6%) | $603,147 (31.8%) | 0.00 | 97 |
| 2021-01-01 | $387,413 (-0.4%) | $614,168 (26.1%) | 0.00 | 75 |
| 2021-02-01 | $361,250 (-6.2%) | $638,472 (28.8%) | 0.00 | 74 |
| 2021-03-01 | $367,250 (-2.9%) | $640,719 (37.1%) | 0.00 | 73 |
| 2021-04-01 | $375,000 (-2.0%) | $639,485 (34.7%) | 0.00 | 71 |
| 2021-05-01 | $395,900 (1.8%) | $502,365 (4.6%) | 0.00 | 68 |
| 2021-06-01 | $399,250 (1.4%) | $519,927 (2.4%) | 0.00 | 84 |
| 2021-07-01 | $399,000 (6.4%) | $529,480 (16.5%) | 0.00 | 86 |
| 2021-08-01 | $425,000 (13.3%) | $521,460 (14.9%) | 0.00 | 104 |
| 2021-09-01 | $403,175 (5.6%) | $513,910 (13.8%) | 0.00 | 102 |
| 2021-10-01 | $395,450 (0.4%) | $515,403 (8.4%) | 0.00 | 100 |
| 2021-11-01 | $399,000 (2.6%) | $510,674 (-11.9%) | 0.00 | 86 |
| 2021-12-01 | $411,500 (5.8%) | $536,651 (-11.0%) | 0.00 | 74 |
| 2022-01-01 | $411,500 (6.2%) | $509,179 (-17.1%) | 0.00 | 70 |
| 2022-02-01 | $422,475 (17.0%) | $541,231 (-15.2%) | 0.00 | 69 |
| 2022-03-01 | $415,625 (13.2%) | $517,452 (-19.2%) | 0.00 | 78 |
| 2022-04-01 | $410,000 (9.3%) | $502,143 (-21.5%) | 0.00 | 77 |
| 2022-05-01 | $449,750 (13.6%) | $522,386 (4.0%) | 0.00 | 79 |
| 2022-06-01 | $454,500 (13.8%) | $534,914 (2.9%) | 0.00 | 87 |
| 2022-07-01 | $449,500 (12.7%) | $536,266 (1.3%) | 0.00 | 97 |
| 2022-08-01 | $456,950 (7.5%) | $553,172 (6.1%) | 0.00 | 86 |
| 2022-09-01 | $449,225 (11.4%) | $546,743 (6.4%) | 0.00 | 73 |
| 2022-10-01 | $437,000 (10.5%) | $552,114 (7.1%) | 0.00 | 70 |
| 2022-11-01 | $401,450 (0.6%) | $523,568 (2.5%) | 0.00 | 65 |
| 2022-12-01 | $427,500 (3.9%) | $540,027 (0.6%) | 0.00 | 63 |
| 2023-01-01 | $416,475 (1.2%) | $542,889 (6.6%) | 0.00 | 68 |
| 2023-02-01 | $423,250 (0.2%) | $541,974 (0.1%) | 0.00 | 67 |
| 2023-03-01 | $457,725 (10.1%) | $587,677 (13.6%) | 0.00 | 70 |
| 2023-04-01 | $435,750 (6.3%) | $559,658 (11.5%) | 0.00 | 82 |
| 2023-05-01 | $447,450 (-0.5%) | $585,877 (12.2%) | 0.00 | 78 |
| 2023-06-01 | $476,200 (4.8%) | $589,124 (10.1%) | 0.00 | 80 |
| 2023-07-01 | $444,500 (-1.1%) | $591,979 (10.4%) | 0.00 | 86 |
| 2023-08-01 | $439,500 (-3.8%) | $605,387 (9.4%) | 0.00 | 85 |
| 2023-09-01 | $449,000 (-0.1%) | $606,565 (10.9%) | 0.00 | 86 |
| 2023-10-01 | $458,500 (4.9%) | $613,036 (11.0%) | 0.00 | 88 |
| 2023-11-01 | $466,000 (16.1%) | $603,389 (15.3%) | 0.00 | 88 |
| 2023-12-01 | $449,000 (5.0%) | $589,671 (9.2%) | 0.00 | 87 |
| 2024-01-01 | $475,750 (14.2%) | $576,258 (6.2%) | 0.00 | 87 |
| 2024-02-01 | $484,250 (14.4%) | $564,123 (4.1%) | 0.00 | 79 |
| 2024-03-01 | $489,900 (7.0%) | $611,533 (4.1%) | 0.00 | 80 |
| 2024-04-01 | $499,999 (14.7%) | $620,956 (11.0%) | 0.00 | 88 |
| 2024-05-01 | $517,500 (15.7%) | $635,541 (8.5%) | 0.00 | 96 |
| 2024-06-01 | $488,750 (2.6%) | $612,594 (4.0%) | 0.00 | 106 |
| 2024-07-01 | $475,500 (7.0%) | $587,856 (-0.7%) | 0.00 | 112 |
| 2024-08-01 | $439,000 (-0.1%) | $568,645 (-6.1%) | 0.00 | 117 |
| 2024-09-01 | $444,125 (-1.1%) | $582,608 (-4.0%) | 0.00 | 113 |
| 2024-10-01 | $449,375 (-2.0%) | $551,619 (-10.0%) | 0.00 | 116 |
| 2024-11-01 | $457,000 (-1.9%) | $558,015 (-7.5%) | 0.00 | 107 |
Crescent City's median listing price comes in at 0% of the national average.
Crescent City's average listing price for 2024-11-01 was $558,015, a difference of $-45,374 (-7.5%) versus the prior year and $6,396 versus the prior month.
For the 2024-11-01 period, Crescent City had 107 MLS listings, a difference of -9 listings (-8%) versus the prior month and 19 listings (22%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Crescent City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,733 sqft |
| 2018-02-01 | 0 days | 1,756 sqft |
| 2018-03-01 | 0 days | 1,844 sqft |
| 2018-04-01 | 0 days | 1,842 sqft |
| 2018-05-01 | 0 days | 1,849 sqft |
| 2018-06-01 | 0 days | 1,878 sqft |
| 2018-07-01 | 0 days | 1,801 sqft |
| 2018-08-01 | 0 days | 1,715 sqft |
| 2018-09-01 | 0 days | 1,698 sqft |
| 2018-10-01 | 0 days | 1,560 sqft |
| 2018-11-01 | 0 days | 1,560 sqft |
| 2018-12-01 | 0 days | 1,580 sqft |
| 2019-01-01 | 0 days | 1,615 sqft |
| 2019-02-01 | 0 days | 1,686 sqft |
| 2019-03-01 | 0 days | 1,826 sqft |
| 2019-04-01 | 0 days | 1,902 sqft |
| 2019-05-01 | 0 days | 1,837 sqft |
| 2019-06-01 | 0 days | 1,822 sqft |
| 2019-07-01 | 0 days | 1,846 sqft |
| 2019-08-01 | 0 days | 1,849 sqft |
| 2019-09-01 | 0 days | 1,820 sqft |
| 2019-10-01 | 0 days | 1,806 sqft |
| 2019-11-01 | 0 days | 1,844 sqft |
| 2019-12-01 | 0 days | 1,854 sqft |
| 2020-01-01 | 0 days | 1,863 sqft |
| 2020-02-01 | 0 days | 1,894 sqft |
| 2020-03-01 | 0 days | 1,874 sqft |
| 2020-04-01 | 0 days | 1,885 sqft |
| 2020-05-01 | 0 days | 1,844 sqft |
| 2020-06-01 | 0 days | 1,901 sqft |
| 2020-07-01 | 0 days | 1,844 sqft |
| 2020-08-01 | 0 days | 1,844 sqft |
| 2020-09-01 | 0 days | 1,852 sqft |
| 2020-10-01 | 0 days | 1,872 sqft |
| 2020-11-01 | 0 days | 1,880 sqft |
| 2020-12-01 | 0 days | 1,866 sqft |
| 2021-01-01 | 0 days | 1,844 sqft |
| 2021-02-01 | 0 days | 1,702 sqft |
| 2021-03-01 | 0 days | 1,707 sqft |
| 2021-04-01 | 0 days | 1,691 sqft |
| 2021-05-01 | 0 days | 1,699 sqft |
| 2021-06-01 | 0 days | 1,725 sqft |
| 2021-07-01 | 0 days | 1,699 sqft |
| 2021-08-01 | 0 days | 1,700 sqft |
| 2021-09-01 | 0 days | 1,653 sqft |
| 2021-10-01 | 0 days | 1,631 sqft |
| 2021-11-01 | 0 days | 1,715 sqft |
| 2021-12-01 | 0 days | 1,733 sqft |
| 2022-01-01 | 0 days | 1,752 sqft |
| 2022-02-01 | 0 days | 1,727 sqft |
| 2022-03-01 | 0 days | 1,718 sqft |
| 2022-04-01 | 0 days | 1,704 sqft |
| 2022-05-01 | 0 days | 1,840 sqft |
| 2022-06-01 | 0 days | 1,844 sqft |
| 2022-07-01 | 0 days | 1,785 sqft |
| 2022-08-01 | 0 days | 1,740 sqft |
| 2022-09-01 | 0 days | 1,732 sqft |
| 2022-10-01 | 0 days | 1,828 sqft |
| 2022-11-01 | 0 days | 1,711 sqft |
| 2022-12-01 | 0 days | 1,782 sqft |
| 2023-01-01 | 0 days | 1,805 sqft |
| 2023-02-01 | 0 days | 1,822 sqft |
| 2023-03-01 | 0 days | 1,827 sqft |
| 2023-04-01 | 0 days | 1,770 sqft |
| 2023-05-01 | 0 days | 1,773 sqft |
| 2023-06-01 | 0 days | 1,757 sqft |
| 2023-07-01 | 0 days | 1,740 sqft |
| 2023-08-01 | 0 days | 1,760 sqft |
| 2023-09-01 | 0 days | 1,779 sqft |
| 2023-10-01 | 0 days | 1,804 sqft |
| 2023-11-01 | 0 days | 1,788 sqft |
| 2023-12-01 | 0 days | 1,764 sqft |
| 2024-01-01 | 0 days | 1,783 sqft |
| 2024-02-01 | 0 days | 1,830 sqft |
| 2024-03-01 | 0 days | 1,844 sqft |
| 2024-04-01 | 0 days | 1,915 sqft |
| 2024-05-01 | 0 days | 1,923 sqft |
| 2024-06-01 | 0 days | 1,833 sqft |
| 2024-07-01 | 0 days | 1,745 sqft |
| 2024-08-01 | 0 days | 1,617 sqft |
| 2024-09-01 | 0 days | 1,650 sqft |
| 2024-10-01 | 0 days | 1,660 sqft |
| 2024-11-01 | 0 days | 1,734 sqft |
Crescent City's median square footage for active listings during the 2024-11-01 period was 1,734 sqft. One year prior, the average listing was 1,788 sqft.