El Campo VA Loan Rates, Closing Costs & Stats

El Campo, 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.

    El Campo's 10 lenders originated 18 VA loans during 2024. The total origination value was $5,930,000, with an average VA loan value of $329,444.

    El Campo VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in El Campo averaged 7.3% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    El Campo's average VA mortgage closing costs are $6,359.

    The average rate for the prior week (2025-05-16) was 7.09% and one month ago for the week of 2025-04-18, the average rate was 7.16%.

    The average rate one year ago was 6.98%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.32%.

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

    El Campo 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 El Campo level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 4 6.00% $6,932
    Mortgage Research Center, LLC 3 6.46% $4,688
    Network Funding, L.P. 2 6.63% $16,819
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 5.87% $3,234
    FREEDOM MORTGAGE CORPORATION 2 6.38% $3,859
    USAA Federal Savings Bank 1 5.38% $22,269
    FIRST COMMUNITY MORTGAGE, INC. 1 6.99% $4,586
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $2,998
    SOUTHWEST FUNDING, LP 1 6.75% $4,768
    Equity Prime Mortgage LLC 1 6.38% $9,025

    The top El Campo VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 4 VA loans originated. Their average total fees are $6,932, which is $2,245 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee El Campo VA lenders (with over 10 loans originated) are .

    The lowest rate El Campo VA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - El Campo (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 $183,500 (7.6%) $204,283 (8.5%) 0.00 111
    2018-02-01 $189,000 (8.0%) $217,507 (14.6%) 0.00 104
    2018-03-01 $183,500 (-2.4%) $216,244 (8.2%) 0.00 107
    2018-04-01 $193,500 (-0.8%) $223,029 (4.7%) 0.00 119
    2018-05-01 $195,950 (0.1%) $231,238 (8.2%) 0.00 122
    2018-06-01 $198,800 (-4.2%) $234,755 (3.6%) 0.00 132
    2018-07-01 $209,500 (5.1%) $238,921 (7.2%) 0.00 127
    2018-08-01 $202,000 (3.6%) $238,447 (8.4%) 0.00 136
    2018-09-01 $189,000 (-3.1%) $221,707 (2.1%) 0.00 136
    2018-10-01 $174,313 (-9.4%) $210,930 (1.7%) 0.00 138
    2018-11-01 $188,125 (-2.8%) $210,854 (2.8%) 0.00 135
    2018-12-01 $187,000 (3.9%) $214,719 (6.6%) 0.00 134
    2019-01-01 $189,375 (3.2%) $219,080 (7.2%) 0.00 124
    2019-02-01 $181,250 (-4.1%) $216,762 (-0.3%) 0.00 136
    2019-03-01 $189,214 (3.1%) $225,621 (4.3%) 0.00 131
    2019-04-01 $192,250 (-0.7%) $230,711 (3.4%) 0.00 124
    2019-05-01 $192,250 (-1.9%) $234,595 (1.5%) 0.00 119
    2019-06-01 $189,000 (-4.9%) $235,021 (0.1%) 0.00 120
    2019-07-01 $190,675 (-9.0%) $231,142 (-3.3%) 0.00 133
    2019-08-01 $189,723 (-6.1%) $228,310 (-4.3%) 0.00 134
    2019-09-01 $189,457 (0.2%) $223,712 (0.9%) 0.00 130
    2019-10-01 $190,780 (9.5%) $219,375 (4.0%) 0.00 132
    2019-11-01 $184,900 (-1.7%) $215,056 (2.0%) 0.00 136
    2019-12-01 $184,950 (-1.1%) $222,350 (3.6%) 0.00 126
    2020-01-01 $180,000 (-5.0%) $211,815 (-3.3%) 0.00 117
    2020-02-01 $198,500 (9.5%) $232,065 (7.1%) 0.00 126
    2020-03-01 $191,223 (1.1%) $229,447 (1.7%) 0.00 132
    2020-04-01 $187,500 (-2.5%) $221,328 (-4.1%) 0.00 129
    2020-05-01 $195,000 (1.4%) $230,598 (-1.7%) 0.00 130
    2020-06-01 $201,850 (6.8%) $230,040 (-2.1%) 0.00 133
    2020-07-01 $188,998 (-0.9%) $221,253 (-4.3%) 0.00 119
    2020-08-01 $193,000 (1.7%) $233,010 (2.1%) 0.00 116
    2020-09-01 $188,637 (-0.4%) $231,770 (3.6%) 0.00 116
    2020-10-01 $185,000 (-3.0%) $224,204 (2.2%) 0.00 111
    2020-11-01 $179,419 (-3.0%) $222,770 (3.6%) 0.00 98
    2020-12-01 $179,225 (-3.1%) $216,674 (-2.6%) 0.00 90
    2021-01-01 $188,955 (5.0%) $220,000 (3.9%) 0.00 92
    2021-02-01 $199,000 (0.3%) $238,204 (2.7%) 0.00 100
    2021-03-01 $199,975 (4.6%) $241,393 (5.2%) 0.00 90
    2021-04-01 $221,200 (18.0%) $245,255 (10.8%) 0.00 79
    2021-05-01 $219,900 (12.8%) $244,366 (6.0%) 0.00 76
    2021-06-01 $191,975 (-4.9%) $244,842 (6.4%) 0.00 72
    2021-07-01 $190,000 (0.5%) $233,426 (5.5%) 0.00 82
    2021-08-01 $232,500 (20.5%) $255,252 (9.6%) 0.00 91
    2021-09-01 $256,975 (36.2%) $275,571 (18.9%) 0.00 94
    2021-10-01 $243,125 (31.4%) $257,728 (15.0%) 0.00 99
    2021-11-01 $226,000 (26.0%) $253,342 (13.7%) 0.00 102
    2021-12-01 $228,375 (27.4%) $269,800 (24.5%) 0.00 98
    2022-01-01 $220,000 (16.4%) $261,602 (18.9%) 0.00 98
    2022-02-01 $215,000 (8.0%) $265,222 (11.3%) 0.00 103
    2022-03-01 $217,250 (8.6%) $268,295 (11.1%) 0.00 108
    2022-04-01 $214,999 (-2.8%) $255,850 (4.3%) 0.00 107
    2022-05-01 $229,950 (4.6%) $257,660 (5.4%) 0.00 101
    2022-06-01 $259,225 (35.0%) $262,491 (7.2%) 0.00 102
    2022-07-01 $254,999 (34.2%) $267,494 (14.6%) 0.00 117
    2022-08-01 $246,000 (5.8%) $271,925 (6.5%) 0.00 126
    2022-09-01 $240,000 (-6.6%) $268,305 (-2.6%) 0.00 122
    2022-10-01 $245,000 (0.8%) $264,196 (2.5%) 0.00 127
    2022-11-01 $251,250 (11.2%) $264,389 (4.4%) 0.00 136
    2022-12-01 $262,000 (14.7%) $266,354 (-1.3%) 0.00 126
    2023-01-01 $257,925 (17.2%) $262,417 (0.3%) 0.00 125
    2023-02-01 $267,500 (24.4%) $266,154 (0.4%) 0.00 123
    2023-03-01 $258,000 (18.8%) $263,476 (-1.8%) 0.00 130
    2023-04-01 $249,500 (16.1%) $255,294 (-0.2%) 0.00 130
    2023-05-01 $249,975 (8.7%) $262,312 (1.8%) 0.00 103
    2023-06-01 $258,750 (-0.2%) $278,636 (6.2%) 0.00 98
    2023-07-01 $246,300 (-3.4%) $269,950 (0.9%) 0.00 107
    2023-08-01 $226,000 (-8.1%) $253,795 (-6.7%) 0.00 117
    2023-09-01 $230,000 (-4.2%) $260,070 (-3.1%) 0.00 117
    2023-10-01 $249,300 (1.8%) $267,958 (1.4%) 0.00 123
    2023-11-01 $241,250 (-4.0%) $271,894 (2.8%) 0.00 127
    2023-12-01 $255,000 (-2.7%) $282,550 (6.1%) 0.00 121
    2024-01-01 $260,000 (0.8%) $289,214 (10.2%) 0.00 99
    2024-02-01 $245,625 (-8.2%) $272,612 (2.4%) 0.00 96
    2024-03-01 $248,700 (-3.6%) $284,966 (8.2%) 0.00 94
    2024-04-01 $254,250 (1.9%) $289,880 (13.6%) 0.00 102
    2024-05-01 $270,000 (8.0%) $304,177 (16.0%) 0.00 105
    2024-06-01 $272,500 (5.3%) $304,289 (9.2%) 0.00 107
    2024-07-01 $275,000 (11.7%) $309,417 (14.6%) 0.00 108
    2024-08-01 $275,000 (21.7%) $310,412 (22.3%) 0.00 100
    2024-09-01 $275,000 (19.6%) $309,679 (19.1%) 0.00 100
    2024-10-01 $270,000 (8.3%) $301,091 (12.4%) 0.00 113
    2024-11-01 $267,000 (10.7%) $290,058 (6.7%) 0.00 119
    2024-12-01 $260,975 (2.3%) $284,102 (0.6%) 0.00 119
    2025-01-01 $250,000 (-3.9%) $274,026 (-5.3%) 0.00 114
    2025-02-01 $235,000 (-4.3%) $262,223 (-3.8%) 0.00 116
    2025-03-01 $225,990 (-9.1%) $262,509 (-7.9%) 0.00 126
    2025-04-01 $228,500 (-10.1%) $263,523 (-9.1%) 0.00 132
    El Campo's median listing price for 2025-04-01 was $228,500, a difference of $-25,750 (-10.1%) versus the prior year and $2,510 versus the prior month.

    El Campo's median listing price comes in at 0% of the national average.

    El Campo's average listing price for 2025-04-01 was $263,523, a difference of $-26,357 (-9.1%) versus the prior year and $1,014 versus the prior month.

    For the 2025-04-01 period, El Campo had 132 MLS listings, a difference of 6 listings (5%) versus the prior month and 30 listings (29%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - El Campo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,054 sqft
    2018-02-01 0 days 2,133 sqft
    2018-03-01 0 days 2,135 sqft
    2018-04-01 0 days 2,127 sqft
    2018-05-01 0 days 2,132 sqft
    2018-06-01 0 days 2,145 sqft
    2018-07-01 0 days 2,112 sqft
    2018-08-01 0 days 2,090 sqft
    2018-09-01 0 days 2,036 sqft
    2018-10-01 0 days 1,969 sqft
    2018-11-01 0 days 1,918 sqft
    2018-12-01 0 days 1,985 sqft
    2019-01-01 0 days 1,953 sqft
    2019-02-01 0 days 1,889 sqft
    2019-03-01 0 days 1,910 sqft
    2019-04-01 0 days 1,914 sqft
    2019-05-01 0 days 1,904 sqft
    2019-06-01 0 days 1,811 sqft
    2019-07-01 0 days 1,750 sqft
    2019-08-01 0 days 1,753 sqft
    2019-09-01 0 days 1,743 sqft
    2019-10-01 0 days 1,737 sqft
    2019-11-01 0 days 1,740 sqft
    2019-12-01 0 days 1,749 sqft
    2020-01-01 0 days 1,763 sqft
    2020-02-01 0 days 1,832 sqft
    2020-03-01 0 days 1,782 sqft
    2020-04-01 0 days 1,751 sqft
    2020-05-01 0 days 1,808 sqft
    2020-06-01 0 days 1,807 sqft
    2020-07-01 0 days 1,744 sqft
    2020-08-01 0 days 1,743 sqft
    2020-09-01 0 days 1,724 sqft
    2020-10-01 0 days 1,734 sqft
    2020-11-01 0 days 1,768 sqft
    2020-12-01 0 days 1,765 sqft
    2021-01-01 0 days 1,761 sqft
    2021-02-01 0 days 1,764 sqft
    2021-03-01 0 days 1,792 sqft
    2021-04-01 0 days 1,827 sqft
    2021-05-01 0 days 1,851 sqft
    2021-06-01 0 days 1,790 sqft
    2021-07-01 0 days 1,714 sqft
    2021-08-01 0 days 1,826 sqft
    2021-09-01 0 days 1,868 sqft
    2021-10-01 0 days 1,760 sqft
    2021-11-01 0 days 1,710 sqft
    2021-12-01 0 days 1,676 sqft
    2022-01-01 0 days 1,622 sqft
    2022-02-01 0 days 1,631 sqft
    2022-03-01 0 days 1,640 sqft
    2022-04-01 0 days 1,640 sqft
    2022-05-01 0 days 1,812 sqft
    2022-06-01 0 days 1,709 sqft
    2022-07-01 0 days 1,710 sqft
    2022-08-01 0 days 1,714 sqft
    2022-09-01 0 days 1,730 sqft
    2022-10-01 0 days 1,743 sqft
    2022-11-01 0 days 1,786 sqft
    2022-12-01 0 days 1,774 sqft
    2023-01-01 0 days 1,724 sqft
    2023-02-01 0 days 1,680 sqft
    2023-03-01 0 days 1,660 sqft
    2023-04-01 0 days 1,660 sqft
    2023-05-01 0 days 1,655 sqft
    2023-06-01 0 days 1,747 sqft
    2023-07-01 0 days 1,751 sqft
    2023-08-01 0 days 1,704 sqft
    2023-09-01 0 days 1,699 sqft
    2023-10-01 0 days 1,774 sqft
    2023-11-01 0 days 1,759 sqft
    2023-12-01 0 days 1,833 sqft
    2024-01-01 0 days 1,865 sqft
    2024-02-01 0 days 1,808 sqft
    2024-03-01 0 days 1,842 sqft
    2024-04-01 0 days 1,930 sqft
    2024-05-01 0 days 1,991 sqft
    2024-06-01 0 days 2,004 sqft
    2024-07-01 0 days 1,983 sqft
    2024-08-01 0 days 1,850 sqft
    2024-09-01 0 days 1,837 sqft
    2024-10-01 0 days 1,821 sqft
    2024-11-01 0 days 1,808 sqft
    2024-12-01 0 days 1,761 sqft
    2025-01-01 0 days 1,727 sqft
    2025-02-01 0 days 1,713 sqft
    2025-03-01 0 days 1,679 sqft
    2025-04-01 0 days 1,678 sqft
    El Campo's median listing age (time on market) for 2025-04-01 was 0 days.

    El Campo's median square footage for active listings during the 2025-04-01 period was 1,678 sqft. One year prior, the average listing was 1,930 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.