Fresno VA Loan Rates, Closing Costs & Stats

FRESNO, CA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Fresno's 75 lenders originated 708 VA loans during 2024. The total origination value was $307,450,000, with an average VA loan value of $434,251.

    Fresno VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Fresno averaged 6.8% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Fresno's average VA mortgage closing costs are $6,520.

    The average rate for the prior week (2025-05-16) was 6.48% and one month ago for the week of 2025-04-18, the average rate was 6.86%.

    The average rate one year ago was 6.57%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.5%.

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

    Fresno 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 Fresno level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 146 5.90% $8,191
    Mortgage Research Center, LLC 70 6.29% $7,466
    QUICKEN LOANS, LLC 50 6.05% $10,739
    Century Mortgage Company DBA Century Lending Company 37 6.09% $10,577
    FREEDOM MORTGAGE CORPORATION 30 5.95% $8,506
    EAGLE HOME MORTGAGE, LLC 22 5.69% $6,174
    NAVY FEDERAL CREDIT UNION 19 5.77% $6,567
    PENNYMAC LOAN SERVICES, LLC 18 5.74% $10,546
    KBHS HOME LOANS, LLC 16 5.79% $4,285
    CMG MORTGAGE, INC. 16 6.01% $12,862
    Golden Empire Mortgage, Inc. 15 6.21% $12,915
    The Federal Savings Bank 13 6.41% $17,050
    ALAMEDA MORTGAGE CORPORATION 13 6.17% $20,781
    SUN WEST MORTGAGE COMPANY, INC. 11 6.09% $9,698
    INSPIRE HOME LOANS INC. 11 5.20% $5,760
    FIRST COMMUNITY MORTGAGE, INC. 11 5.86% $8,395
    LOANDEPOT.COM, LLC 10 5.48% $11,571
    VILLAGE CAPITAL MORTGAGE 9 5.48% $7,713
    USAA Federal Savings Bank 8 6.31% $8,535
    NEWREZ LLC 8 5.83% $7,429
    AMERICAN PACIFIC MORTGAGE CORPORATION 7 6.52% $13,398
    NEW DAY FINANCIAL, LLC 7 7.62% $12,919
    CROSSCOUNTRY MORTGAGE, LLC 6 5.94% $5,206
    Sierra Pacific Mortgage Company, Inc. 6 6.52% $10,833
    Equity Prime Mortgage LLC 6 6.92% $9,246
    JMAC LENDING, INC. 6 6.13% $8,753
    LAKEVIEW LOAN SERVICING, LLC 5 5.75% $6,306
    Flagstar Bank, FSB 5 5.95% $7,699
    Paramount Residential Mortgage Group, Inc. 5 6.35% $8,862
    BAY EQUITY LLC 5 6.28% $5,604
    Magnolia Bank 5 6.10% $16,410
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.57% $7,335
    DHI MORTGAGE COMPANY, LTD. 5 4.97% $7,639
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 4 4.75% $2,528
    CLEARPATH LENDING 4 5.34% $12,667
    GUARANTEED RATE, INC. 4 5.94% $2,973
    PLANET HOME LENDING, LLC 4 6.21% $4,568
    PREMIER MORTGAGE RESOURCES, L.L.C. 4 6.66% $23,076
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 7.08% $2,356
    AMERICAN FINANCIAL NETWORK, INC. 3 6.71% $10,489
    First Federal Bank 3 5.67% $8,083
    Lakeview Community Capital, LLC 3 5.50% $5,749
    NORWICH COMMERCIAL GROUP, INC. 3 6.13% $1,406
    The Loan Store, Inc. 3 6.37% $16,169
    Mr. Cooper ( Nationstar Mortgage ) 2 5.94% $9,502
    CARDINAL FINANCIAL 2 6.75% $10,746
    Texana Bank 2 5.88% $18,938
    PLAZA HOME MORTGAGE, INC. 2 6.38% $5,661
    LOANPAL, LLC 2 6.19% $15,914
    NETWORK CAPITAL FUNDING CORPORATION 2 6.00% $6,208
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 6.88% $11,698
    AmeriHome Mortgage Company, LLC 2 5.88% $6,705
    Carrington Mortgage Services, LLC 2 6.00% $8,282
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 5.87% $12,008
    MORTGAGEONE, INC. 2 6.38% $24
    Bank of America 1 6.00% $11,277
    SUMMIT FUNDING, INC. 1 5.75% $7,382
    Armed Forces Bank 1 5.75% $2,080
    Ameris Bank 1 5.25% $4,667
    V.I.P. MORTGAGE, INC. 1 6.13% $15,738
    UNION HOME MORTGAGE CORP. 1 5.99% $3,701
    AMERISAVE MORTGAGE CORPORATION 1 5.63% $5,489
    U.S. Bank 1 6.63% $4,299
    MICHIGAN MUTUAL, INC. 1 6.75% $177
    MORIA DEVELOPMENT, INC. 1 6.13% $12,089
    GUILD MORTGAGE COMPANY 1 5.63% $9,152
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $5,921
    DIRECTORS MORTGAGE, INC. 1 6.88% $7,006
    ALTITUDE FINANCIAL CORPORATION 1 6.25% $358
    CLM MORTGAGE, INC 1 5.75% $9,686
    PENTAGON FEDERAL CREDIT UNION 1 5.88% $6,214
    PHH Mortgage Corporation 1 5.25% $6,319
    BROKER SOLUTIONS, INC. 1 5.75% $14,223
    BAY-VALLEY MORTGAGE GROUP 1 5.75% $2,607
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.25% $10,587

    The top Fresno VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 146 VA loans originated. Their average total fees are $8,191, which is $725 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Fresno VA lenders (with over 10 loans originated) are KBHS HOME LOANS, LLC ($4,285), INSPIRE HOME LOANS INC. ($5,760), EAGLE HOME MORTGAGE, LLC ($6,174), NAVY FEDERAL CREDIT UNION ($6,567) and Mortgage Research Center, LLC ($7,466).

    The lowest rate Fresno VA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. (5.20%), LOANDEPOT.COM, LLC (5.48%), EAGLE HOME MORTGAGE, LLC (5.69%), PENNYMAC LOAN SERVICES, LLC (5.74%) and NAVY FEDERAL CREDIT UNION (5.77%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Fresno (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 $305,680 (11.2%) $396,176 (8.0%) 1.13 1,690
    2018-02-01 $304,950 (10.9%) $396,397 (7.3%) 1.11 1,707
    2018-03-01 $309,950 (12.7%) $404,628 (8.7%) 1.09 1,766
    2018-04-01 $313,450 (8.1%) $403,543 (6.0%) 1.06 1,862
    2018-05-01 $315,000 (5.0%) $409,878 (2.9%) 1.05 1,945
    2018-06-01 $316,450 (2.5%) $416,087 (3.1%) 1.06 2,077
    2018-07-01 $315,000 (3.3%) $409,884 (0.9%) 1.05 2,176
    2018-08-01 $315,000 (4.6%) $403,164 (0.1%) 1.06 2,269
    2018-09-01 $310,000 (3.3%) $396,527 (0.5%) 1.04 2,399
    2018-10-01 $309,987 (1.6%) $399,187 (1.8%) 1.05 2,474
    2018-11-01 $309,450 (-0.1%) $396,931 (0.8%) 1.05 2,437
    2018-12-01 $309,900 (0.3%) $396,191 (0.3%) 1.07 2,232
    2019-01-01 $305,250 (-0.1%) $382,184 (-3.5%) 1.05 2,083
    2019-02-01 $308,338 (1.1%) $384,972 (-2.9%) 1.04 2,135
    2019-03-01 $313,429 (1.1%) $400,178 (-1.1%) 1.02 2,133
    2019-04-01 $317,806 (1.4%) $396,815 (-1.7%) 1.01 2,202
    2019-05-01 $325,000 (3.2%) $404,783 (-1.2%) 1.02 2,238
    2019-06-01 $334,900 (5.8%) $415,088 (-0.2%) 1.05 2,283
    2019-07-01 $337,500 (7.1%) $415,442 (1.4%) 1.06 2,257
    2019-08-01 $333,130 (5.8%) $412,057 (2.2%) 1.05 2,289
    2019-09-01 $328,824 (6.1%) $407,101 (2.7%) 1.05 2,298
    2019-10-01 $326,571 (5.4%) $407,345 (2.0%) 1.05 2,267
    2019-11-01 $325,900 (5.3%) $412,119 (3.8%) 1.07 2,133
    2019-12-01 $326,785 (5.5%) $407,612 (2.9%) 1.09 1,931
    2020-01-01 $329,000 (7.8%) $410,971 (7.5%) 1.10 1,677
    2020-02-01 $329,000 (6.7%) $407,099 (5.8%) 1.08 1,641
    2020-03-01 $339,913 (8.5%) $426,183 (6.5%) 1.07 1,601
    2020-04-01 $336,840 (6.0%) $417,015 (5.1%) 1.06 1,686
    2020-05-01 $340,000 (4.6%) $428,926 (6.0%) 1.03 1,575
    2020-06-01 $349,855 (4.5%) $443,563 (6.9%) 1.03 1,323
    2020-07-01 $354,500 (5.0%) $458,808 (10.4%) 1.03 1,119
    2020-08-01 $363,950 (9.3%) $469,221 (13.9%) 1.04 1,022
    2020-09-01 $362,500 (10.2%) $475,461 (16.8%) 1.04 1,040
    2020-10-01 $359,450 (10.1%) $479,276 (17.7%) 1.03 1,022
    2020-11-01 $362,675 (11.3%) $497,854 (20.8%) 1.06 950
    2020-12-01 $354,500 (8.5%) $485,674 (19.2%) 1.05 857
    2021-01-01 $365,000 (10.9%) $500,299 (21.7%) 1.09 694
    2021-02-01 $362,500 (10.2%) $510,906 (25.5%) 1.06 637
    2021-03-01 $373,900 (10.0%) $520,334 (22.1%) 1.06 640
    2021-04-01 $389,225 (15.6%) $537,645 (28.9%) 1.05 679
    2021-05-01 $399,900 (17.6%) $554,522 (29.3%) 1.06 725
    2021-06-01 $406,143 (16.1%) $557,319 (25.7%) 1.07 855
    2021-07-01 $399,950 (12.8%) $545,308 (18.9%) 1.06 964
    2021-08-01 $401,750 (10.4%) $542,345 (15.6%) 1.07 1,035
    2021-09-01 $413,500 (14.1%) $634,237 (33.4%) 1.10 1,073
    2021-10-01 $419,000 (16.6%) $542,913 (13.3%) 1.12 1,029
    2021-11-01 $427,000 (17.7%) $552,727 (11.0%) 1.14 967
    2021-12-01 $437,000 (23.3%) $567,941 (16.9%) 1.18 838
    2022-01-01 $439,000 (20.3%) $580,001 (15.9%) 1.19 677
    2022-02-01 $420,000 (15.9%) $566,072 (10.8%) 1.09 671
    2022-03-01 $434,950 (16.3%) $582,657 (12.0%) 1.09 722
    2022-04-01 $449,000 (15.4%) $595,920 (10.8%) 1.07 812
    2022-05-01 $454,997 (13.8%) $591,873 (6.7%) 1.04 1,022
    2022-06-01 $452,950 (11.5%) $577,404 (3.6%) 1.01 1,245
    2022-07-01 $449,900 (12.5%) $563,143 (3.3%) 1.01 1,614
    2022-08-01 $442,500 (10.1%) $551,008 (1.6%) 1.02 1,646
    2022-09-01 $447,450 (8.2%) $551,236 (-13.1%) 1.05 1,651
    2022-10-01 $435,000 (3.8%) $542,135 (-0.1%) 1.02 1,722
    2022-11-01 $427,000 (0.0%) $543,406 (-1.7%) 1.03 1,713
    2022-12-01 $430,000 (-1.6%) $549,282 (-3.3%) 1.06 1,487
    2023-01-01 $437,000 (-0.5%) $557,223 (-3.9%) 1.08 1,313
    2023-02-01 $441,250 (5.1%) $578,412 (2.2%) 1.06 1,159
    2023-03-01 $444,968 (2.3%) $588,557 (1.0%) 1.05 1,067
    2023-04-01 $450,000 (0.2%) $611,634 (2.6%) 1.05 981
    2023-05-01 $472,275 (3.8%) $623,300 (5.3%) 1.07 1,023
    2023-06-01 $477,533 (5.4%) $624,819 (8.2%) 1.07 1,062
    2023-07-01 $486,250 (8.1%) $635,826 (12.9%) 1.11 1,115
    2023-08-01 $481,250 (8.8%) $635,747 (15.4%) 1.11 1,279
    2023-09-01 $473,960 (5.9%) $616,563 (11.9%) 1.10 1,345
    2023-10-01 $469,000 (7.8%) $607,462 (12.1%) 1.10 1,443
    2023-11-01 $460,000 (7.7%) $597,325 (9.9%) 1.10 1,545
    2023-12-01 $461,500 (7.3%) $608,460 (10.8%) 1.13 1,469
    2024-01-01 $453,470 (3.8%) $604,108 (8.4%) 1.11 1,307
    2024-02-01 $467,300 (5.9%) $619,217 (7.1%) 1.12 1,222
    2024-03-01 $469,000 (5.4%) $623,043 (5.9%) 1.10 1,206
    2024-04-01 $478,500 (6.3%) $628,172 (2.7%) 1.11 1,306
    2024-05-01 $482,250 (2.1%) $637,976 (2.4%) 1.10 1,402
    2024-06-01 $482,000 (0.9%) $626,506 (0.3%) 1.10 1,430
    2024-07-01 $478,426 (-1.6%) $617,149 (-2.9%) 1.09 1,593
    2024-08-01 $479,950 (-0.3%) $630,266 (-0.9%) 1.12 1,634
    2024-09-01 $481,000 (1.5%) $626,951 (1.7%) 1.13 1,755
    2024-10-01 $477,327 (1.8%) $611,290 (0.6%) 1.12 1,759
    2024-11-01 $479,694 (4.3%) $607,430 (1.7%) 1.15 1,751
    2024-12-01 $477,485 (3.5%) $600,479 (-1.3%) 1.19 1,555
    2025-01-01 $475,000 (4.8%) $594,861 (-1.5%) 1.19 1,516
    2025-02-01 $475,000 (1.7%) $599,010 (-3.3%) 1.15 1,649
    2025-03-01 $480,000 (2.4%) $609,425 (-2.2%) 1.13 1,695
    2025-04-01 $479,500 (0.2%) $607,654 (-3.3%) 1.11 1,861
    Fresno's median listing price for 2025-04-01 was $479,500, a difference of $1,000 (0.2%) versus the prior year and $-500 versus the prior month.

    Fresno's median listing price comes in at 111% of the national average.

    Fresno's average listing price for 2025-04-01 was $607,654, a difference of $-20,518 (-3.3%) versus the prior year and $-1,771 versus the prior month.

    For the 2025-04-01 period, Fresno had 1,861 MLS listings, a difference of 166 listings (10%) versus the prior month and 555 listings (42%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Fresno (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 62 days 1,885 sqft
    2018-02-01 44 days 1,869 sqft
    2018-03-01 43 days 1,900 sqft
    2018-04-01 43 days 1,900 sqft
    2018-05-01 40 days 1,893 sqft
    2018-06-01 43 days 1,892 sqft
    2018-07-01 43 days 1,877 sqft
    2018-08-01 43 days 1,873 sqft
    2018-09-01 47 days 1,862 sqft
    2018-10-01 50 days 1,849 sqft
    2018-11-01 52 days 1,852 sqft
    2018-12-01 61 days 1,861 sqft
    2019-01-01 65 days 1,851 sqft
    2019-02-01 52 days 1,841 sqft
    2019-03-01 46 days 1,872 sqft
    2019-04-01 43 days 1,890 sqft
    2019-05-01 44 days 1,906 sqft
    2019-06-01 47 days 1,919 sqft
    2019-07-01 50 days 1,920 sqft
    2019-08-01 50 days 1,908 sqft
    2019-09-01 51 days 1,892 sqft
    2019-10-01 52 days 1,882 sqft
    2019-11-01 55 days 1,872 sqft
    2019-12-01 60 days 1,867 sqft
    2020-01-01 65 days 1,854 sqft
    2020-02-01 47 days 1,834 sqft
    2020-03-01 43 days 1,876 sqft
    2020-04-01 46 days 1,872 sqft
    2020-05-01 54 days 1,895 sqft
    2020-06-01 47 days 1,908 sqft
    2020-07-01 42 days 1,908 sqft
    2020-08-01 33 days 1,920 sqft
    2020-09-01 30 days 1,889 sqft
    2020-10-01 31 days 1,886 sqft
    2020-11-01 37 days 1,880 sqft
    2020-12-01 42 days 1,836 sqft
    2021-01-01 43 days 1,851 sqft
    2021-02-01 28 days 1,822 sqft
    2021-03-01 22 days 1,853 sqft
    2021-04-01 17 days 1,872 sqft
    2021-05-01 16 days 1,848 sqft
    2021-06-01 18 days 1,872 sqft
    2021-07-01 23 days 1,866 sqft
    2021-08-01 27 days 1,870 sqft
    2021-09-01 30 days 1,890 sqft
    2021-10-01 29 days 1,868 sqft
    2021-11-01 33 days 1,891 sqft
    2021-12-01 40 days 1,872 sqft
    2022-01-01 37 days 1,880 sqft
    2022-02-01 30 days 1,806 sqft
    2022-03-01 30 days 1,798 sqft
    2022-04-01 30 days 1,829 sqft
    2022-05-01 26 days 1,840 sqft
    2022-06-01 29 days 1,843 sqft
    2022-07-01 32 days 1,836 sqft
    2022-08-01 39 days 1,820 sqft
    2022-09-01 45 days 1,835 sqft
    2022-10-01 48 days 1,817 sqft
    2022-11-01 50 days 1,796 sqft
    2022-12-01 59 days 1,818 sqft
    2023-01-01 65 days 1,827 sqft
    2023-02-01 52 days 1,833 sqft
    2023-03-01 50 days 1,849 sqft
    2023-04-01 48 days 1,883 sqft
    2023-05-01 38 days 1,892 sqft
    2023-06-01 38 days 1,905 sqft
    2023-07-01 39 days 1,900 sqft
    2023-08-01 39 days 1,909 sqft
    2023-09-01 41 days 1,911 sqft
    2023-10-01 44 days 1,904 sqft
    2023-11-01 46 days 1,891 sqft
    2023-12-01 56 days 1,890 sqft
    2024-01-01 65 days 1,875 sqft
    2024-02-01 54 days 1,891 sqft
    2024-03-01 45 days 1,909 sqft
    2024-04-01 44 days 1,921 sqft
    2024-05-01 40 days 1,913 sqft
    2024-06-01 44 days 1,897 sqft
    2024-07-01 44 days 1,886 sqft
    2024-08-01 50 days 1,879 sqft
    2024-09-01 48 days 1,873 sqft
    2024-10-01 50 days 1,870 sqft
    2024-11-01 57 days 1,881 sqft
    2024-12-01 63 days 1,866 sqft
    2025-01-01 64 days 1,846 sqft
    2025-02-01 48 days 1,851 sqft
    2025-03-01 46 days 1,854 sqft
    2025-04-01 48 days 1,841 sqft
    Fresno's median listing age (time on market) for 2025-04-01 was 48 days. This is 10% longer than the same period one year ago.

    Fresno's median square footage for active listings during the 2025-04-01 period was 1,841 sqft. One year prior, the average listing was 1,921 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.