Fort Leonard Wood VA Loan Rates, Closing Costs & Stats

Fort Leonard Wood, MO

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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.

    Fort Leonard Wood's 56 lenders originated 629 VA loans during 2024. The total origination value was $163,465,000, with an average VA loan value of $259,881.

    Fort Leonard Wood VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Fort Leonard Wood averaged 6.26% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Fort Leonard Wood's average VA mortgage closing costs are $5,246.

    The average rate for the prior week (2025-03-28) was 6.28% and one month ago for the week of 2025-02-28, the average rate was 6.45%.

    The average rate one year ago was 6.46%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.43%.

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

    Fort Leonard Wood 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 Fort Leonard Wood level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    FLAT BRANCH MORTGAGE, INC. 131 6.61% $7,936
    Mortgage Research Center, LLC 114 6.43% $4,967
    NAVY FEDERAL CREDIT UNION 42 5.93% $5,074
    PENNYMAC LOAN SERVICES, LLC 32 5.75% $5,677
    CROSSCOUNTRY MORTGAGE, LLC 25 6.36% $6,879
    VILLAGE CAPITAL MORTGAGE 22 5.69% $5,507
    FREEDOM MORTGAGE CORPORATION 22 6.54% $6,052
    USAA Federal Savings Bank 18 5.93% $9,510
    BROKER SOLUTIONS, INC. 18 6.85% $8,561
    QUICKEN LOANS, LLC 17 6.16% $7,529
    Armed Forces Bank 16 6.49% $7,529
    NEW DAY FINANCIAL, LLC 11 7.48% $9,067
    LEADERONE FINANCIAL CORPORATION 10 6.35% $10,839
    Ixonia Bank 9 6.35% $7,662
    GUARANTEED RATE, INC. 9 6.47% $5,111
    UNITED WHOLESALE MORTGAGE, LLC 9 6.12% $7,175
    PLANET HOME LENDING, LLC 8 6.28% $3,138
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 8 6.23% $5,065
    DAS Acquisition Company, LLC 7 7.32% $3,792
    The Central Trust Bank 7 6.46% $6,027
    GUILD MORTGAGE COMPANY 6 6.63% $8,476
    LOANDEPOT.COM, LLC 4 4.90% $5,951
    NEWREZ LLC 4 6.09% $7,937
    First Federal Bank 3 6.00% $7,189
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.25% $9,309
    The Federal Savings Bank 3 6.25% $11,479
    LAKEVIEW LOAN SERVICING, LLC 3 5.92% $5,539
    ENDEAVOR CAPITAL, LLC. 3 5.67% $9,731
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 6.00% $10,949
    Flagstar Bank, FSB 2 5.13% $10,930
    SUN WEST MORTGAGE COMPANY, INC. 2 6.00% $2,385
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.44% $773
    NBKC BANK 2 5.56% $10,017
    CMG MORTGAGE, INC. 2 5.88% $7,882
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.38% $7,862
    MOVEMENT MORTGAGE, LLC 2 6.75% $11,669
    SUMMIT FUNDING, INC. 1 6.63% $900
    Arvest Bank 1 5.50% $8,111
    Barrington Bank & Trust Company, N.A. 1 6.25% $6,264
    BAY EQUITY LLC 1 6.75% $6,166
    Bell Bank 1 6.13% $2,419
    Carrington Mortgage Services, LLC 1 5.63% $2,874
    Community Mortgage Banc Corporation 1 6.75% $10,331
    ENVOY MORTGAGE, LTD 1 6.50% $9,185
    Equity Prime Mortgage LLC 1 6.75% $1,304
    FCB Banks 1 5.63% $7,794
    GERSHMAN INVESTMENT CORP. 1 7.13% $8,764
    Members Mortgage Services, L.L.C. 1 6.13% $5,372
    Mr. Cooper ( Nationstar Mortgage ) 1 6.75% $8,663
    PENTAGON FEDERAL CREDIT UNION 1 6.38% $10,591
    PHH Mortgage Corporation 1 5.63% $5,992
    PLAZA HOME MORTGAGE, INC. 1 6.00% $2,727
    Prosperity Home Mortgage, LLC 1 6.25% $3,409
    Stifel Bank and Trust 1 6.63% $3,388
    AmeriHome Mortgage Company, LLC 1 5.99% $6,193
    TOWNE MORTGAGE COMPANY 1 6.25% $8,666

    The top Fort Leonard Wood VA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 131 VA loans originated. Their average total fees are $7,936, which is $2,969 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Fort Leonard Wood VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,967), NAVY FEDERAL CREDIT UNION ($5,074), VILLAGE CAPITAL MORTGAGE ($5,507), PENNYMAC LOAN SERVICES, LLC ($5,677) and FREEDOM MORTGAGE CORPORATION ($6,052).

    The lowest rate Fort Leonard Wood VA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (5.69%), PENNYMAC LOAN SERVICES, LLC (5.75%), NAVY FEDERAL CREDIT UNION (5.93%), USAA Federal Savings Bank (5.93%) and QUICKEN LOANS, LLC (6.16%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Fort Leonard Wood (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 $143,475 (2.6%) $146,311 (-0.2%) 0.00 371
    2018-02-01 $148,500 (6.1%) $146,625 (-0.5%) 0.00 379
    2018-03-01 $149,000 (6.5%) $147,651 (-0.5%) 0.00 371
    2018-04-01 $149,900 (7.1%) $147,529 (-0.9%) 0.00 394
    2018-05-01 $149,900 (7.1%) $149,266 (-0.8%) 0.00 399
    2018-06-01 $149,900 (7.2%) $152,083 (2.5%) 0.00 412
    2018-07-01 $153,450 (9.7%) $156,871 (6.2%) 0.00 411
    2018-08-01 $149,950 (7.2%) $157,372 (5.2%) 0.00 400
    2018-09-01 $150,000 (7.2%) $158,045 (7.9%) 0.00 411
    2018-10-01 $150,475 (7.5%) $158,924 (8.4%) 0.00 391
    2018-11-01 $147,500 (5.4%) $157,697 (7.7%) 0.00 374
    2018-12-01 $145,000 (3.6%) $156,694 (6.5%) 0.00 350
    2019-01-01 $147,450 (2.8%) $158,188 (8.1%) 0.00 315
    2019-02-01 $149,900 (0.9%) $159,223 (8.6%) 0.00 316
    2019-03-01 $151,014 (1.4%) $160,529 (8.7%) 0.00 296
    2019-04-01 $152,314 (1.6%) $161,869 (9.7%) 0.00 298
    2019-05-01 $154,675 (3.2%) $165,676 (11.0%) 0.00 311
    2019-06-01 $149,900 (0.0%) $162,495 (6.9%) 0.00 315
    2019-07-01 $149,900 (-2.3%) $161,757 (3.1%) 0.00 319
    2019-08-01 $148,536 (-0.9%) $158,940 (1.0%) 0.00 319
    2019-09-01 $146,491 (-2.3%) $155,484 (-1.6%) 0.00 311
    2019-10-01 $144,950 (-3.7%) $152,812 (-3.9%) 0.00 305
    2019-11-01 $145,750 (-1.2%) $156,032 (-1.1%) 0.00 284
    2019-12-01 $149,900 (3.4%) $159,468 (1.8%) 0.00 275
    2020-01-01 $149,825 (1.6%) $161,688 (2.2%) 0.00 256
    2020-02-01 $154,900 (3.3%) $166,338 (4.5%) 0.00 260
    2020-03-01 $154,925 (2.6%) $167,560 (4.4%) 0.00 226
    2020-04-01 $159,450 (4.7%) $168,862 (4.3%) 0.00 212
    2020-05-01 $154,400 (-0.2%) $166,364 (0.4%) 0.00 201
    2020-06-01 $153,950 (2.7%) $169,087 (4.1%) 0.00 171
    2020-07-01 $149,925 (0.0%) $162,119 (0.2%) 0.00 157
    2020-08-01 $153,450 (3.3%) $165,249 (4.0%) 0.00 150
    2020-09-01 $151,900 (3.7%) $160,606 (3.3%) 0.00 162
    2020-10-01 $139,200 (-4.0%) $150,877 (-1.3%) 0.00 151
    2020-11-01 $136,500 (-6.4%) $144,486 (-7.4%) 0.00 142
    2020-12-01 $131,450 (-12.3%) $142,093 (-10.9%) 0.00 127
    2021-01-01 $133,000 (-11.2%) $142,504 (-11.9%) 0.00 93
    2021-02-01 $130,225 (-15.9%) $138,229 (-16.9%) 0.00 76
    2021-03-01 $148,125 (-4.4%) $149,700 (-10.7%) 0.00 73
    2021-04-01 $154,950 (-2.8%) $156,604 (-7.3%) 0.00 71
    2021-05-01 $161,000 (4.3%) $185,081 (11.3%) 0.00 74
    2021-06-01 $168,450 (9.4%) $199,982 (18.3%) 0.00 95
    2021-07-01 $178,450 (19.0%) $217,349 (34.1%) 0.00 121
    2021-08-01 $179,325 (16.9%) $229,602 (38.9%) 0.00 119
    2021-09-01 $183,975 (21.1%) $230,323 (43.4%) 0.00 113
    2021-10-01 $172,500 (23.9%) $228,788 (51.6%) 0.00 103
    2021-11-01 $173,625 (27.2%) $218,735 (51.4%) 0.00 87
    2021-12-01 $175,000 (33.1%) $218,685 (53.9%) 0.00 83
    2022-01-01 $184,000 (38.4%) $237,681 (66.8%) 0.00 69
    2022-02-01 $182,250 (40.0%) $240,391 (73.9%) 0.00 72
    2022-03-01 $198,600 (34.1%) $252,701 (68.8%) 0.00 76
    2022-04-01 $204,900 (32.2%) $248,530 (58.7%) 0.00 91
    2022-05-01 $222,400 (38.1%) $255,411 (38.0%) 0.00 100
    2022-06-01 $221,350 (31.4%) $253,872 (27.0%) 0.00 118
    2022-07-01 $225,000 (26.1%) $256,869 (18.2%) 0.00 129
    2022-08-01 $219,950 (22.7%) $249,169 (8.5%) 0.00 126
    2022-09-01 $224,875 (22.2%) $255,084 (10.8%) 0.00 108
    2022-10-01 $219,900 (27.5%) $240,649 (5.2%) 0.00 116
    2022-11-01 $201,750 (16.2%) $224,845 (2.8%) 0.00 115
    2022-12-01 $209,900 (19.9%) $223,809 (2.3%) 0.00 123
    2023-01-01 $199,500 (8.4%) $217,734 (-8.4%) 0.00 104
    2023-02-01 $202,475 (11.1%) $235,702 (-2.0%) 0.00 90
    2023-03-01 $221,150 (11.4%) $254,674 (0.8%) 0.00 83
    2023-04-01 $224,950 (9.8%) $243,769 (-1.9%) 0.00 82
    2023-05-01 $239,700 (7.8%) $265,612 (4.0%) 0.00 99
    2023-06-01 $226,250 (2.2%) $255,049 (0.5%) 0.00 123
    2023-07-01 $229,900 (2.2%) $257,918 (0.4%) 0.00 126
    2023-08-01 $229,225 (4.2%) $251,358 (0.9%) 0.00 124
    2023-09-01 $229,000 (1.8%) $262,539 (2.9%) 0.00 120
    2023-10-01 $230,000 (4.6%) $262,143 (8.9%) 0.00 120
    2023-11-01 $232,850 (15.4%) $249,023 (10.8%) 0.00 117
    2023-12-01 $225,000 (7.2%) $247,193 (10.5%) 0.00 114
    2024-01-01 $225,000 (12.8%) $240,946 (10.7%) 0.00 119
    2024-02-01 $235,575 (16.4%) $249,365 (5.8%) 0.00 106
    2024-03-01 $235,000 (6.3%) $257,875 (1.3%) 0.00 115
    2024-04-01 $237,450 (5.6%) $268,260 (10.1%) 0.00 118
    2024-05-01 $242,450 (1.2%) $270,008 (1.7%) 0.00 119
    2024-06-01 $244,500 (8.1%) $260,716 (2.2%) 0.00 131
    2024-07-01 $250,000 (8.7%) $268,083 (3.9%) 0.00 136
    2024-08-01 $250,000 (9.1%) $278,230 (10.7%) 0.00 147
    2024-09-01 $254,425 (11.1%) $280,675 (6.9%) 0.00 144
    2024-10-01 $249,450 (8.5%) $279,256 (6.5%) 0.00 149
    2024-11-01 $249,900 (7.3%) $291,191 (16.9%) 0.00 152
    2024-12-01 $249,900 (11.1%) $289,302 (17.0%) 0.00 150
    2025-01-01 $249,975 (11.1%) $302,385 (25.5%) 0.00 142
    2025-02-01 $255,000 (8.3%) $302,419 (21.3%) 0.00 141
    2025-03-01 $265,000 (12.8%) $310,040 (20.2%) 0.00 127
    Fort Leonard Wood's median listing price for 2025-03-01 was $265,000, a difference of $30,000 (12.8%) versus the prior year and $10,000 versus the prior month.

    Fort Leonard Wood's median listing price comes in at 0% of the national average.

    Fort Leonard Wood's average listing price for 2025-03-01 was $310,040, a difference of $52,165 (20.2%) versus the prior year and $7,621 versus the prior month.

    For the 2025-03-01 period, Fort Leonard Wood had 127 MLS listings, a difference of -14 listings (-10%) versus the prior month and 12 listings (10%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Fort Leonard Wood (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,887 sqft
    2018-02-01 0 days 1,891 sqft
    2018-03-01 0 days 1,856 sqft
    2018-04-01 0 days 1,856 sqft
    2018-05-01 0 days 1,791 sqft
    2018-06-01 0 days 1,834 sqft
    2018-07-01 0 days 1,942 sqft
    2018-08-01 0 days 1,962 sqft
    2018-09-01 0 days 1,954 sqft
    2018-10-01 0 days 1,600 sqft
    2018-11-01 0 days 1,596 sqft
    2018-12-01 0 days 1,586 sqft
    2019-01-01 0 days 1,576 sqft
    2019-02-01 0 days 1,600 sqft
    2019-03-01 0 days 1,742 sqft
    2019-04-01 0 days 1,919 sqft
    2019-05-01 0 days 1,956 sqft
    2019-06-01 0 days 1,887 sqft
    2019-07-01 0 days 1,861 sqft
    2019-08-01 0 days 1,836 sqft
    2019-09-01 0 days 1,810 sqft
    2019-10-01 0 days 1,798 sqft
    2019-11-01 0 days 1,800 sqft
    2019-12-01 0 days 1,800 sqft
    2020-01-01 0 days 1,820 sqft
    2020-02-01 0 days 1,847 sqft
    2020-03-01 0 days 1,829 sqft
    2020-04-01 0 days 1,803 sqft
    2020-05-01 0 days 1,800 sqft
    2020-06-01 0 days 1,789 sqft
    2020-07-01 0 days 1,769 sqft
    2020-08-01 0 days 1,681 sqft
    2020-09-01 0 days 1,658 sqft
    2020-10-01 0 days 1,580 sqft
    2020-11-01 0 days 1,573 sqft
    2020-12-01 0 days 1,531 sqft
    2021-01-01 0 days 1,505 sqft
    2021-02-01 0 days 1,500 sqft
    2021-03-01 0 days 1,511 sqft
    2021-04-01 0 days 1,539 sqft
    2021-05-01 0 days 1,576 sqft
    2021-06-01 0 days 1,626 sqft
    2021-07-01 0 days 1,687 sqft
    2021-08-01 0 days 1,800 sqft
    2021-09-01 0 days 1,800 sqft
    2021-10-01 0 days 1,666 sqft
    2021-11-01 0 days 1,611 sqft
    2021-12-01 0 days 1,615 sqft
    2022-01-01 0 days 1,700 sqft
    2022-02-01 0 days 1,708 sqft
    2022-03-01 0 days 1,720 sqft
    2022-04-01 0 days 1,960 sqft
    2022-05-01 0 days 1,842 sqft
    2022-06-01 0 days 1,905 sqft
    2022-07-01 0 days 1,976 sqft
    2022-08-01 0 days 1,976 sqft
    2022-09-01 0 days 1,993 sqft
    2022-10-01 0 days 1,935 sqft
    2022-11-01 0 days 1,742 sqft
    2022-12-01 0 days 1,792 sqft
    2023-01-01 0 days 1,736 sqft
    2023-02-01 0 days 1,751 sqft
    2023-03-01 0 days 1,858 sqft
    2023-04-01 0 days 1,900 sqft
    2023-05-01 0 days 1,874 sqft
    2023-06-01 0 days 1,719 sqft
    2023-07-01 0 days 1,725 sqft
    2023-08-01 0 days 1,771 sqft
    2023-09-01 0 days 1,769 sqft
    2023-10-01 0 days 1,784 sqft
    2023-11-01 0 days 1,699 sqft
    2023-12-01 0 days 1,649 sqft
    2024-01-01 0 days 1,586 sqft
    2024-02-01 0 days 1,679 sqft
    2024-03-01 0 days 1,718 sqft
    2024-04-01 0 days 1,740 sqft
    2024-05-01 0 days 1,777 sqft
    2024-06-01 0 days 1,720 sqft
    2024-07-01 0 days 1,776 sqft
    2024-08-01 0 days 1,927 sqft
    2024-09-01 0 days 1,904 sqft
    2024-10-01 0 days 1,938 sqft
    2024-11-01 0 days 1,969 sqft
    2024-12-01 0 days 1,930 sqft
    2025-01-01 0 days 2,030 sqft
    2025-02-01 0 days 2,127 sqft
    2025-03-01 0 days 2,100 sqft
    Fort Leonard Wood's median listing age (time on market) for 2025-03-01 was 0 days.

    Fort Leonard Wood's median square footage for active listings during the 2025-03-01 period was 2,100 sqft. One year prior, the average listing was 1,718 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.