Flagstaff VA Loan Rates, Closing Costs & Stats

FLAGSTAFF, AZ

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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.

    Flagstaff's 40 lenders originated 167 VA loans during 2024. The total origination value was $80,615,000, with an average VA loan value of $482,725.

    Flagstaff VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Flagstaff averaged 6.63% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Flagstaff's average VA mortgage closing costs are $8,069.

    The average rate for the prior week (2025-03-28) was 6.95% and one month ago for the week of 2025-02-28, the average rate was 6.93%.

    The average rate one year ago was 7.14%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.14%.

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

    Flagstaff 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 Flagstaff level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 32 5.81% $10,309
    Mortgage Research Center, LLC 19 6.25% $15,359
    QUICKEN LOANS, LLC 16 5.88% $12,802
    CROSSCOUNTRY MORTGAGE, LLC 8 6.38% $10,317
    STARBOARD FINANCIAL MANAGEMENT, LLC 7 6.18% $12,199
    V.I.P. MORTGAGE, INC. 7 6.46% $14,570
    FREEDOM MORTGAGE CORPORATION 6 6.33% $15,418
    PENNYMAC LOAN SERVICES, LLC 5 5.90% $14,562
    USAA Federal Savings Bank 5 6.25% $10,147
    VILLAGE CAPITAL MORTGAGE 5 5.52% $11,617
    GUILD MORTGAGE COMPANY 4 6.41% $11,538
    NOVA FINANCIAL & INVESTMENT CORPORATION 4 6.40% $12,544
    NAVY FEDERAL CREDIT UNION 2 5.38% $3,135
    PLANET HOME LENDING, LLC 2 6.18% $7,245
    GUARANTEED RATE, INC. 2 7.75% $17,307
    Carrington Mortgage Services, LLC 2 5.81% $33,482
    The Federal Savings Bank 2 6.44% $18,162
    The Loan Store, Inc. 2 6.50% $7,346
    First Federal Bank 2 5.56% $2,699
    University Bank 1 5.25% $5,209
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $5,285
    Wallick & Volk, Inc. 1 5.50% $25,554
    Barrington Bank & Trust Company, N.A. 1 5.63% $4,495
    BROKER SOLUTIONS, INC. 1 6.25% $11,171
    CMG MORTGAGE, INC. 1 5.63% $14,601
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $2,204
    FIRST MORTGAGE COMPANY, INC. 1 6.25% $13,599
    HOMESIDE FINANCIAL, LLC 1 6.75% $6,603
    Independent Bank 1 5.63% $3,189
    INTERCAP LENDING INC. 1 5.63% $10,710
    LENOX FINANCIAL MORTGAGE CORPORATION 1 5.75% $3,252
    LOANDEPOT.COM, LLC 1 5.75% $5,288
    Loan Simple, Inc. 1 6.63% $9,368
    MORIA DEVELOPMENT, INC. 1 6.25% $35,439
    NEWREZ LLC 1 6.25% $3,979
    Pacific Lending LLC 1 6.50% $4,489
    Paramount Residential Mortgage Group, Inc. 1 6.25% $36,113
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $18,860
    RESIDENTIAL MORTGAGE, LLC 1 5.75% $8,155
    The Central Trust Bank 1 5.25% $5,295

    The top Flagstaff VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 32 VA loans originated. Their average total fees are $10,309, which is $5,050 lower than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Flagstaff VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($10,309), QUICKEN LOANS, LLC ($12,802), Mortgage Research Center, LLC ($15,359), .

    The lowest rate Flagstaff VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.81%), QUICKEN LOANS, LLC (5.88%), Mortgage Research Center, LLC (6.25%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Flagstaff (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 $495,342 (5.0%) $656,228 (-3.8%) 0.00 510
    2018-02-01 $518,000 (9.1%) $666,948 (-3.5%) 0.00 516
    2018-03-01 $499,000 (5.1%) $683,634 (-0.2%) 0.00 540
    2018-04-01 $502,725 (7.2%) $683,814 (3.8%) 0.00 581
    2018-05-01 $499,000 (2.9%) $662,935 (0.2%) 0.00 626
    2018-06-01 $485,000 (5.6%) $647,319 (0.3%) 0.00 731
    2018-07-01 $471,350 (4.8%) $636,095 (0.3%) 0.00 780
    2018-08-01 $456,250 (1.4%) $622,870 (-1.4%) 0.00 782
    2018-09-01 $450,000 (-1.1%) $614,662 (-5.9%) 0.00 785
    2018-10-01 $449,225 (-3.6%) $599,006 (-10.7%) 0.00 751
    2018-11-01 $451,225 (-8.3%) $602,100 (-12.4%) 0.00 695
    2018-12-01 $450,000 (-10.8%) $609,854 (-9.4%) 0.00 601
    2019-01-01 $449,375 (-9.3%) $608,426 (-7.3%) 0.00 558
    2019-02-01 $459,000 (-11.4%) $635,858 (-4.7%) 0.00 544
    2019-03-01 $462,114 (-7.4%) $658,358 (-3.7%) 0.00 566
    2019-04-01 $455,392 (-9.4%) $646,919 (-5.4%) 0.00 614
    2019-05-01 $449,938 (-9.8%) $634,303 (-4.3%) 0.00 686
    2019-06-01 $438,000 (-9.7%) $626,803 (-3.2%) 0.00 731
    2019-07-01 $436,750 (-7.3%) $619,251 (-2.7%) 0.00 788
    2019-08-01 $440,545 (-3.4%) $622,641 (0.0%) 0.00 758
    2019-09-01 $445,864 (-0.9%) $630,968 (2.7%) 0.00 710
    2019-10-01 $450,000 (0.2%) $639,753 (6.8%) 0.00 671
    2019-11-01 $468,900 (3.9%) $644,205 (7.0%) 0.00 582
    2019-12-01 $484,753 (7.7%) $662,456 (8.6%) 0.00 486
    2020-01-01 $479,625 (6.7%) $659,922 (8.5%) 0.00 399
    2020-02-01 $509,000 (10.9%) $692,135 (8.9%) 0.00 368
    2020-03-01 $534,950 (15.8%) $687,917 (4.5%) 0.00 419
    2020-04-01 $515,725 (13.3%) $662,703 (2.4%) 0.00 481
    2020-05-01 $515,000 (14.5%) $655,967 (3.4%) 0.00 462
    2020-06-01 $491,450 (12.2%) $649,251 (3.6%) 0.00 407
    2020-07-01 $486,750 (11.5%) $643,642 (3.9%) 0.00 362
    2020-08-01 $535,000 (21.4%) $680,410 (9.3%) 0.00 279
    2020-09-01 $557,475 (25.0%) $715,009 (13.3%) 0.00 216
    2020-10-01 $564,000 (25.3%) $766,520 (19.8%) 0.00 180
    2020-11-01 $586,250 (25.0%) $796,066 (23.6%) 0.00 153
    2020-12-01 $575,250 (18.7%) $762,840 (15.2%) 0.00 129
    2021-01-01 $643,750 (34.2%) $810,820 (22.9%) 0.00 113
    2021-02-01 $635,975 (25.0%) $820,442 (18.5%) 0.00 109
    2021-03-01 $614,750 (14.9%) $832,349 (21.0%) 0.00 109
    2021-04-01 $637,450 (23.6%) $834,230 (25.9%) 0.00 148
    2021-05-01 $635,000 (23.3%) $851,437 (29.8%) 0.00 178
    2021-06-01 $649,900 (32.2%) $854,033 (31.5%) 0.00 217
    2021-07-01 $633,750 (30.2%) $883,947 (37.3%) 0.00 228
    2021-08-01 $646,000 (20.8%) $895,640 (31.6%) 0.00 239
    2021-09-01 $639,675 (14.8%) $928,515 (29.9%) 0.00 239
    2021-10-01 $650,000 (15.3%) $962,107 (25.5%) 0.00 180
    2021-11-01 $681,725 (16.3%) $1,032,774 (29.7%) 0.00 168
    2021-12-01 $645,475 (12.2%) $993,386 (30.2%) 0.00 153
    2022-01-01 $672,450 (4.5%) $1,048,538 (29.3%) 0.00 134
    2022-02-01 $674,611 (6.1%) $1,039,074 (26.7%) 0.00 128
    2022-03-01 $697,450 (13.5%) $952,519 (14.4%) 0.00 134
    2022-04-01 $715,000 (12.2%) $953,887 (14.3%) 0.00 192
    2022-05-01 $729,975 (15.0%) $971,860 (14.1%) 0.00 282
    2022-06-01 $725,000 (11.6%) $964,538 (12.9%) 0.00 389
    2022-07-01 $700,000 (10.5%) $936,683 (6.0%) 0.00 467
    2022-08-01 $718,875 (11.3%) $964,247 (7.7%) 0.00 437
    2022-09-01 $734,500 (14.8%) $945,346 (1.8%) 0.00 399
    2022-10-01 $750,000 (15.4%) $984,791 (2.4%) 0.00 412
    2022-11-01 $739,000 (8.4%) $981,848 (-4.9%) 0.00 365
    2022-12-01 $715,000 (10.8%) $980,094 (-1.3%) 0.00 331
    2023-01-01 $745,500 (10.9%) $1,048,913 (0.0%) 0.00 280
    2023-02-01 $738,250 (9.4%) $1,087,352 (4.7%) 0.00 276
    2023-03-01 $738,500 (5.9%) $1,089,654 (14.4%) 0.00 257
    2023-04-01 $732,500 (2.5%) $1,134,335 (18.9%) 0.00 279
    2023-05-01 $758,750 (3.9%) $1,149,996 (18.3%) 0.00 353
    2023-06-01 $735,000 (1.4%) $1,074,734 (11.4%) 0.00 399
    2023-07-01 $734,000 (4.9%) $1,071,476 (14.4%) 0.00 433
    2023-08-01 $714,950 (-0.6%) $1,046,521 (8.5%) 0.00 463
    2023-09-01 $722,030 (-1.7%) $1,083,365 (14.6%) 0.00 453
    2023-10-01 $733,500 (-2.2%) $1,038,779 (5.5%) 0.00 450
    2023-11-01 $735,000 (-0.5%) $1,087,357 (10.8%) 0.00 418
    2023-12-01 $740,000 (3.5%) $1,094,617 (11.7%) 0.00 360
    2024-01-01 $737,500 (-1.1%) $1,074,937 (2.5%) 0.00 307
    2024-02-01 $737,500 (-0.1%) $1,074,635 (-1.2%) 0.00 302
    2024-03-01 $750,000 (1.6%) $1,123,066 (3.1%) 0.00 337
    2024-04-01 $750,000 (2.4%) $1,086,933 (-4.2%) 0.00 390
    2024-05-01 $763,940 (0.7%) $1,104,857 (-3.9%) 0.00 481
    2024-06-01 $740,500 (0.8%) $1,068,526 (-0.6%) 0.00 548
    2024-07-01 $749,950 (2.2%) $1,073,415 (0.2%) 0.00 550
    2024-08-01 $739,900 (3.5%) $1,041,014 (-0.5%) 0.00 531
    2024-09-01 $744,450 (3.1%) $1,048,754 (-3.2%) 0.00 522
    2024-10-01 $744,475 (1.5%) $1,099,395 (5.8%) 0.00 508
    2024-11-01 $750,000 (2.0%) $1,097,557 (0.9%) 0.00 458
    2024-12-01 $751,534 (1.6%) $1,132,521 (3.5%) 0.00 392
    2025-01-01 $752,540 (2.0%) $1,125,342 (4.7%) 0.00 353
    2025-02-01 $750,458 (1.8%) $1,176,702 (9.5%) 0.00 356
    2025-03-01 $745,000 (-0.7%) $1,177,168 (4.8%) 0.00 427
    Flagstaff's median listing price for 2025-03-01 was $745,000, a difference of $-5,000 (-0.7%) versus the prior year and $-5,458 versus the prior month.

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

    Flagstaff's average listing price for 2025-03-01 was $1,177,168, a difference of $54,102 (4.8%) versus the prior year and $466 versus the prior month.

    For the 2025-03-01 period, Flagstaff had 427 MLS listings, a difference of 71 listings (20%) versus the prior month and 90 listings (27%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Flagstaff (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,412 sqft
    2018-02-01 0 days 2,426 sqft
    2018-03-01 0 days 2,441 sqft
    2018-04-01 0 days 2,444 sqft
    2018-05-01 0 days 2,421 sqft
    2018-06-01 0 days 2,402 sqft
    2018-07-01 0 days 2,352 sqft
    2018-08-01 0 days 2,305 sqft
    2018-09-01 0 days 2,279 sqft
    2018-10-01 0 days 2,266 sqft
    2018-11-01 0 days 2,288 sqft
    2018-12-01 0 days 2,240 sqft
    2019-01-01 0 days 2,199 sqft
    2019-02-01 0 days 2,200 sqft
    2019-03-01 0 days 2,182 sqft
    2019-04-01 0 days 2,166 sqft
    2019-05-01 0 days 2,134 sqft
    2019-06-01 0 days 2,112 sqft
    2019-07-01 0 days 2,075 sqft
    2019-08-01 0 days 2,105 sqft
    2019-09-01 0 days 2,150 sqft
    2019-10-01 0 days 2,184 sqft
    2019-11-01 0 days 2,193 sqft
    2019-12-01 0 days 2,200 sqft
    2020-01-01 0 days 2,166 sqft
    2020-02-01 0 days 2,296 sqft
    2020-03-01 0 days 2,317 sqft
    2020-04-01 0 days 2,200 sqft
    2020-05-01 0 days 2,193 sqft
    2020-06-01 0 days 2,175 sqft
    2020-07-01 0 days 2,181 sqft
    2020-08-01 0 days 2,147 sqft
    2020-09-01 0 days 2,186 sqft
    2020-10-01 0 days 2,196 sqft
    2020-11-01 0 days 2,218 sqft
    2020-12-01 0 days 2,124 sqft
    2021-01-01 0 days 2,202 sqft
    2021-02-01 0 days 2,056 sqft
    2021-03-01 0 days 2,163 sqft
    2021-04-01 0 days 2,092 sqft
    2021-05-01 0 days 2,077 sqft
    2021-06-01 0 days 2,052 sqft
    2021-07-01 0 days 2,005 sqft
    2021-08-01 0 days 2,013 sqft
    2021-09-01 0 days 2,031 sqft
    2021-10-01 0 days 2,071 sqft
    2021-11-01 0 days 2,108 sqft
    2021-12-01 0 days 2,061 sqft
    2022-01-01 0 days 2,063 sqft
    2022-02-01 0 days 2,068 sqft
    2022-03-01 0 days 2,074 sqft
    2022-04-01 0 days 2,004 sqft
    2022-05-01 0 days 2,030 sqft
    2022-06-01 0 days 2,044 sqft
    2022-07-01 0 days 2,007 sqft
    2022-08-01 0 days 2,055 sqft
    2022-09-01 0 days 2,095 sqft
    2022-10-01 0 days 2,130 sqft
    2022-11-01 0 days 2,051 sqft
    2022-12-01 0 days 2,004 sqft
    2023-01-01 0 days 2,051 sqft
    2023-02-01 0 days 2,028 sqft
    2023-03-01 0 days 2,024 sqft
    2023-04-01 0 days 2,033 sqft
    2023-05-01 0 days 2,101 sqft
    2023-06-01 0 days 2,052 sqft
    2023-07-01 0 days 2,065 sqft
    2023-08-01 0 days 2,093 sqft
    2023-09-01 0 days 2,104 sqft
    2023-10-01 0 days 2,087 sqft
    2023-11-01 0 days 2,120 sqft
    2023-12-01 0 days 2,120 sqft
    2024-01-01 0 days 2,117 sqft
    2024-02-01 0 days 2,057 sqft
    2024-03-01 0 days 2,118 sqft
    2024-04-01 0 days 2,066 sqft
    2024-05-01 0 days 2,099 sqft
    2024-06-01 0 days 2,038 sqft
    2024-07-01 0 days 2,060 sqft
    2024-08-01 0 days 2,048 sqft
    2024-09-01 0 days 2,033 sqft
    2024-10-01 0 days 2,043 sqft
    2024-11-01 0 days 2,000 sqft
    2024-12-01 0 days 2,000 sqft
    2025-01-01 0 days 2,005 sqft
    2025-02-01 0 days 1,993 sqft
    2025-03-01 0 days 1,943 sqft
    Flagstaff's median listing age (time on market) for 2025-03-01 was 0 days.

    Flagstaff's median square footage for active listings during the 2025-03-01 period was 1,943 sqft. One year prior, the average listing was 2,118 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.