Grand Junction VA Loan Rates, Closing Costs & Stats
GRAND JUNCTION, CO
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.
Grand Junction's 62 lenders originated 388 VA loans during 2024. The total origination value was $154,400,000, with an average VA loan value of $397,938.
Grand Junction VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Grand Junction
averaged
0.59%
for the week of 2025-07-04, compared to the national average (all VA variants) of
0% for the same period.
Grand Junction's average VA mortgage closing costs are $6,069.
The average rate for the prior week (2025-06-27) was
6.92% and
one month ago for the week of 2025-05-30, the
average rate was 6.85%.
The average rate one year ago was 7.17%.
For refis of the same type during the week of 2025-07-04, the average rate
was -0.08%.
Grand Junction 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 Grand Junction level.
The top Grand Junction VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
68 VA loans originated. Their average total fees are
$9,142, which is $3,810
higher than the next largest lender,
Mortgage Research Center, LLC.
The lowest fee Grand Junction VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC ($5,332), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($7,649), FREEDOM MORTGAGE CORPORATION ($8,254), ARK-LA-TEX FINANCIAL SERVICES, LLC. ($8,278) and QUICKEN LOANS, LLC ($8,358).
The lowest rate Grand Junction VA lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (5.88%), QUICKEN LOANS, LLC (5.90%), FREEDOM MORTGAGE CORPORATION (6.01%), GUILD MORTGAGE COMPANY (6.14%) and Mortgage Research Center, LLC (6.30%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Grand Junction (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $277,197 (11.5%) | $575,995 (75.0%) | 1.03 | 691 |
2018-02-01 | $275,000 (10.6%) | $586,449 (77.3%) | 1.00 | 685 |
2018-03-01 | $282,000 (12.9%) | $571,703 (71.0%) | 0.99 | 744 |
2018-04-01 | $284,725 (10.4%) | $562,343 (59.4%) | 0.97 | 803 |
2018-05-01 | $288,075 (8.0%) | $551,350 (55.0%) | 0.96 | 843 |
2018-06-01 | $295,250 (8.4%) | $549,688 (7.6%) | 0.98 | 901 |
2018-07-01 | $291,510 (6.0%) | $536,094 (4.6%) | 0.97 | 957 |
2018-08-01 | $284,950 (6.5%) | $524,154 (-6.5%) | 0.95 | 982 |
2018-09-01 | $295,000 (9.3%) | $536,326 (3.8%) | 0.99 | 974 |
2018-10-01 | $299,950 (10.5%) | $540,892 (4.6%) | 1.02 | 974 |
2018-11-01 | $320,000 (16.4%) | $602,435 (14.1%) | 1.08 | 790 |
2018-12-01 | $324,500 (17.6%) | $424,246 (-22.0%) | 1.12 | 727 |
2019-01-01 | $317,225 (14.4%) | $428,311 (-25.6%) | 1.10 | 665 |
2019-02-01 | $324,950 (18.2%) | $431,605 (-26.4%) | 1.10 | 665 |
2019-03-01 | $336,857 (19.5%) | $435,952 (-23.8%) | 1.10 | 651 |
2019-04-01 | $344,725 (21.1%) | $441,566 (-21.5%) | 1.09 | 670 |
2019-05-01 | $353,050 (22.6%) | $632,701 (14.8%) | 1.10 | 724 |
2019-06-01 | $347,900 (17.8%) | $778,043 (41.5%) | 1.09 | 816 |
2019-07-01 | $350,000 (20.1%) | $781,813 (45.8%) | 1.10 | 830 |
2019-08-01 | $351,909 (23.5%) | $779,115 (48.6%) | 1.11 | 827 |
2019-09-01 | $354,773 (20.3%) | $784,384 (46.3%) | 1.14 | 814 |
2019-10-01 | $357,600 (19.2%) | $793,395 (46.7%) | 1.15 | 803 |
2019-11-01 | $359,900 (12.5%) | $817,196 (35.7%) | 1.18 | 750 |
2019-12-01 | $357,950 (10.3%) | $851,565 (100.7%) | 1.19 | 681 |
2020-01-01 | $364,925 (15.0%) | $477,671 (11.5%) | 1.22 | 603 |
2020-02-01 | $377,000 (16.0%) | $804,903 (86.5%) | 1.23 | 562 |
2020-03-01 | $393,675 (16.9%) | $493,042 (13.1%) | 1.23 | 569 |
2020-04-01 | $389,000 (12.8%) | $481,084 (9.0%) | 1.22 | 603 |
2020-05-01 | $399,514 (13.2%) | $488,036 (-22.9%) | 1.21 | 600 |
2020-06-01 | $414,200 (19.1%) | $516,267 (-33.7%) | 1.22 | 545 |
2020-07-01 | $424,950 (21.4%) | $531,463 (-32.0%) | 1.23 | 502 |
2020-08-01 | $404,950 (15.1%) | $531,181 (-31.8%) | 1.16 | 453 |
2020-09-01 | $393,350 (10.9%) | $519,917 (-33.7%) | 1.13 | 421 |
2020-10-01 | $398,250 (11.4%) | $531,796 (-33.0%) | 1.14 | 414 |
2020-11-01 | $413,675 (14.9%) | $560,307 (-31.4%) | 1.21 | 390 |
2020-12-01 | $396,750 (10.8%) | $568,960 (-33.2%) | 1.18 | 361 |
2021-01-01 | $415,000 (13.7%) | $600,270 (25.7%) | 1.24 | 267 |
2021-02-01 | $461,975 (22.5%) | $662,809 (-17.7%) | 1.34 | 231 |
2021-03-01 | $487,400 (23.8%) | $648,725 (31.6%) | 1.38 | 215 |
2021-04-01 | $467,500 (20.2%) | $669,224 (39.1%) | 1.27 | 181 |
2021-05-01 | $474,950 (18.9%) | $660,682 (35.4%) | 1.26 | 218 |
2021-06-01 | $474,750 (14.6%) | $642,045 (24.4%) | 1.25 | 267 |
2021-07-01 | $449,998 (5.9%) | $615,353 (15.8%) | 1.19 | 325 |
2021-08-01 | $429,950 (6.2%) | $582,561 (9.7%) | 1.15 | 385 |
2021-09-01 | $424,500 (7.9%) | $561,139 (7.9%) | 1.13 | 447 |
2021-10-01 | $427,500 (7.3%) | $551,682 (3.7%) | 1.14 | 442 |
2021-11-01 | $433,125 (4.7%) | $564,210 (0.7%) | 1.16 | 366 |
2021-12-01 | $449,450 (13.3%) | $578,327 (1.7%) | 1.22 | 292 |
2022-01-01 | $485,000 (16.9%) | $618,022 (3.0%) | 1.31 | 222 |
2022-02-01 | $450,176 (-2.6%) | $598,409 (-9.7%) | 1.17 | 203 |
2022-03-01 | $522,500 (7.2%) | $642,526 (-1.0%) | 1.31 | 231 |
2022-04-01 | $498,500 (6.6%) | $628,544 (-6.1%) | 1.19 | 256 |
2022-05-01 | $475,000 (0.0%) | $600,768 (-9.1%) | 1.09 | 353 |
2022-06-01 | $477,350 (0.6%) | $610,622 (-4.9%) | 1.06 | 395 |
2022-07-01 | $469,750 (4.4%) | $599,165 (-2.6%) | 1.06 | 486 |
2022-08-01 | $482,188 (12.2%) | $615,389 (5.6%) | 1.11 | 543 |
2022-09-01 | $481,064 (13.3%) | $613,046 (9.3%) | 1.12 | 559 |
2022-10-01 | $472,000 (10.4%) | $597,240 (8.3%) | 1.11 | 594 |
2022-11-01 | $467,599 (8.0%) | $592,161 (5.0%) | 1.12 | 580 |
2022-12-01 | $475,000 (5.7%) | $599,579 (3.7%) | 1.17 | 525 |
2023-01-01 | $489,975 (1.0%) | $602,261 (-2.6%) | 1.21 | 489 |
2023-02-01 | $485,750 (7.9%) | $607,884 (1.6%) | 1.17 | 465 |
2023-03-01 | $509,107 (-2.6%) | $634,457 (-1.3%) | 1.20 | 436 |
2023-04-01 | $525,000 (5.3%) | $658,670 (4.8%) | 1.22 | 403 |
2023-05-01 | $531,975 (12.0%) | $680,948 (13.4%) | 1.21 | 389 |
2023-06-01 | $519,425 (8.8%) | $670,366 (9.8%) | 1.17 | 411 |
2023-07-01 | $529,000 (12.6%) | $661,244 (10.4%) | 1.20 | 427 |
2023-08-01 | $524,100 (8.7%) | $640,276 (4.0%) | 1.20 | 465 |
2023-09-01 | $539,900 (12.2%) | $653,140 (6.5%) | 1.26 | 482 |
2023-10-01 | $519,975 (10.2%) | $639,572 (7.1%) | 1.22 | 513 |
2023-11-01 | $499,000 (6.7%) | $627,104 (5.9%) | 1.19 | 509 |
2023-12-01 | $494,750 (4.2%) | $635,757 (6.0%) | 1.21 | 463 |
2024-01-01 | $496,450 (1.3%) | $642,910 (6.8%) | 1.21 | 436 |
2024-02-01 | $505,482 (4.1%) | $644,364 (6.0%) | 1.22 | 423 |
2024-03-01 | $518,000 (1.8%) | $650,335 (2.5%) | 1.22 | 416 |
2024-04-01 | $521,875 (-0.6%) | $655,897 (-0.4%) | 1.21 | 413 |
2024-05-01 | $517,450 (-2.7%) | $656,275 (-3.6%) | 1.18 | 434 |
2024-06-01 | $499,900 (-3.8%) | $646,986 (-3.5%) | 1.14 | 470 |
2024-07-01 | $517,450 (-2.2%) | $650,747 (-1.6%) | 1.18 | 502 |
2024-08-01 | $514,950 (-1.8%) | $655,419 (2.4%) | 1.20 | 523 |
2024-09-01 | $499,000 (-7.6%) | $637,762 (-2.4%) | 1.17 | 572 |
2024-10-01 | $497,250 (-4.4%) | $636,753 (-0.4%) | 1.17 | 611 |
2024-11-01 | $491,500 (-1.5%) | $641,245 (2.3%) | 1.18 | 602 |
2024-12-01 | $480,113 (-3.0%) | $622,852 (-2.0%) | 1.19 | 547 |
2025-01-01 | $478,250 (-3.7%) | $622,485 (-3.2%) | 1.19 | 500 |
2025-02-01 | $469,000 (-7.2%) | $636,342 (-1.2%) | 1.14 | 522 |
2025-03-01 | $474,250 (-8.5%) | $664,551 (2.2%) | 1.12 | 514 |
2025-04-01 | $470,750 (-9.8%) | $629,714 (-4.0%) | 1.09 | 546 |
2025-05-01 | $473,250 (-8.5%) | $633,940 (-3.4%) | 1.08 | 621 |
Grand Junction's median listing price comes in at 108% of the national average.
Grand Junction's average listing price for 2025-05-01 was $633,940, a difference of $-22,335 (-3.4%) versus the prior year and $4,226 versus the prior month.
For the 2025-05-01 period, Grand Junction had 621 MLS listings, a difference of 75 listings (14%) versus the prior month and 187 listings (43%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Grand Junction (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 73 days | 1,762 sqft |
2018-02-01 | 62 days | 1,792 sqft |
2018-03-01 | 46 days | 1,792 sqft |
2018-04-01 | 40 days | 1,793 sqft |
2018-05-01 | 40 days | 1,797 sqft |
2018-06-01 | 40 days | 1,820 sqft |
2018-07-01 | 43 days | 1,811 sqft |
2018-08-01 | 47 days | 1,792 sqft |
2018-09-01 | 53 days | 1,817 sqft |
2018-10-01 | 57 days | 1,819 sqft |
2018-11-01 | 60 days | 1,946 sqft |
2018-12-01 | 67 days | 1,944 sqft |
2019-01-01 | 75 days | 1,887 sqft |
2019-02-01 | 69 days | 1,945 sqft |
2019-03-01 | 57 days | 1,943 sqft |
2019-04-01 | 46 days | 1,939 sqft |
2019-05-01 | 43 days | 1,985 sqft |
2019-06-01 | 43 days | 1,985 sqft |
2019-07-01 | 51 days | 2,002 sqft |
2019-08-01 | 54 days | 1,980 sqft |
2019-09-01 | 57 days | 1,963 sqft |
2019-10-01 | 59 days | 1,947 sqft |
2019-11-01 | 64 days | 1,947 sqft |
2019-12-01 | 70 days | 1,948 sqft |
2020-01-01 | 75 days | 1,964 sqft |
2020-02-01 | 67 days | 1,978 sqft |
2020-03-01 | 45 days | 2,049 sqft |
2020-04-01 | 48 days | 2,020 sqft |
2020-05-01 | 54 days | 2,000 sqft |
2020-06-01 | 53 days | 2,042 sqft |
2020-07-01 | 51 days | 2,106 sqft |
2020-08-01 | 47 days | 2,019 sqft |
2020-09-01 | 41 days | 1,933 sqft |
2020-10-01 | 37 days | 1,942 sqft |
2020-11-01 | 46 days | 1,947 sqft |
2020-12-01 | 50 days | 1,907 sqft |
2021-01-01 | 61 days | 1,932 sqft |
2021-02-01 | 38 days | 1,978 sqft |
2021-03-01 | 32 days | 1,972 sqft |
2021-04-01 | 27 days | 1,913 sqft |
2021-05-01 | 15 days | 1,891 sqft |
2021-06-01 | 19 days | 1,866 sqft |
2021-07-01 | 23 days | 1,822 sqft |
2021-08-01 | 30 days | 1,830 sqft |
2021-09-01 | 32 days | 1,837 sqft |
2021-10-01 | 35 days | 1,848 sqft |
2021-11-01 | 45 days | 1,836 sqft |
2021-12-01 | 55 days | 1,883 sqft |
2022-01-01 | 58 days | 1,950 sqft |
2022-02-01 | 31 days | 1,855 sqft |
2022-03-01 | 22 days | 1,933 sqft |
2022-04-01 | 24 days | 1,891 sqft |
2022-05-01 | 23 days | 1,877 sqft |
2022-06-01 | 30 days | 1,895 sqft |
2022-07-01 | 30 days | 1,853 sqft |
2022-08-01 | 38 days | 1,896 sqft |
2022-09-01 | 44 days | 1,891 sqft |
2022-10-01 | 50 days | 1,866 sqft |
2022-11-01 | 61 days | 1,866 sqft |
2022-12-01 | 71 days | 1,876 sqft |
2023-01-01 | 73 days | 1,896 sqft |
2023-02-01 | 67 days | 1,913 sqft |
2023-03-01 | 64 days | 1,943 sqft |
2023-04-01 | 54 days | 2,000 sqft |
2023-05-01 | 47 days | 2,000 sqft |
2023-06-01 | 44 days | 1,977 sqft |
2023-07-01 | 46 days | 1,939 sqft |
2023-08-01 | 45 days | 1,932 sqft |
2023-09-01 | 47 days | 1,934 sqft |
2023-10-01 | 51 days | 1,937 sqft |
2023-11-01 | 57 days | 1,851 sqft |
2023-12-01 | 68 days | 1,829 sqft |
2024-01-01 | 74 days | 1,830 sqft |
2024-02-01 | 60 days | 1,847 sqft |
2024-03-01 | 50 days | 1,854 sqft |
2024-04-01 | 48 days | 1,829 sqft |
2024-05-01 | 46 days | 1,841 sqft |
2024-06-01 | 46 days | 1,856 sqft |
2024-07-01 | 51 days | 1,820 sqft |
2024-08-01 | 47 days | 1,836 sqft |
2024-09-01 | 45 days | 1,816 sqft |
2024-10-01 | 46 days | 1,788 sqft |
2024-11-01 | 56 days | 1,783 sqft |
2024-12-01 | 69 days | 1,754 sqft |
2025-01-01 | 77 days | 1,734 sqft |
2025-02-01 | 72 days | 1,735 sqft |
2025-03-01 | 53 days | 1,714 sqft |
2025-04-01 | 48 days | 1,737 sqft |
2025-05-01 | 44 days | 1,746 sqft |
Grand Junction's median square footage for active listings during the 2025-05-01 period was 1,746 sqft. One year prior, the average listing was 1,841 sqft.