Jamestown VA Loan Rates, Closing Costs & Stats

Jamestown, ND

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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.

    Jamestown's 8 lenders originated 14 VA loans during 2024. The total origination value was $2,930,000, with an average VA loan value of $209,286.

    Jamestown VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Jamestown averaged 6.49% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Jamestown's average VA mortgage closing costs are $5,281.

    The average rate for the prior week (2025-03-28) was 6.21% and one month ago for the week of 2025-02-28, the average rate was 6.39%.

    The average rate one year ago was 6.7%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.86%.

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

    Jamestown 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 Jamestown level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 5 6.45% $3,840
    NAVY FEDERAL CREDIT UNION 1 6.00% $7,219
    PENNYMAC LOAN SERVICES, LLC 1 5.63% $4,106
    QUICKEN LOANS, LLC 1 6.99% $5,757
    UNITED WHOLESALE MORTGAGE, LLC 1 6.75% $1,315
    USAA Federal Savings Bank 1 6.63% $3,615
    FREEDOM MORTGAGE CORPORATION 1 5.75% $2,343
    U.S. Bank 1 7.75% $1,914

    The top Jamestown VA lender as defined by loan originations is Mortgage Research Center, LLC, with 5 VA loans originated. Their average total fees are $3,840, which is $3,378 lower than the next largest lender, NAVY FEDERAL CREDIT UNION.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Jamestown (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 $191,050 (-11.4%) $227,152 (-12.2%) 0.00 82
    2018-02-01 $189,900 (-14.5%) $230,083 (-14.0%) 0.00 87
    2018-03-01 $189,900 (-14.8%) $225,156 (-13.2%) 0.00 92
    2018-04-01 $189,425 (-15.3%) $223,191 (-16.7%) 0.00 103
    2018-05-01 $195,053 (-10.7%) $222,256 (-11.3%) 0.00 105
    2018-06-01 $193,900 (-3.7%) $218,750 (-7.9%) 0.00 112
    2018-07-01 $195,753 (-12.8%) $223,820 (-8.7%) 0.00 120
    2018-08-01 $197,954 (-0.5%) $223,048 (-5.2%) 0.00 121
    2018-09-01 $198,000 (4.3%) $216,770 (-5.5%) 0.00 121
    2018-10-01 $184,450 (-2.9%) $210,115 (-8.4%) 0.00 117
    2018-11-01 $189,225 (-2.7%) $212,992 (-6.7%) 0.00 109
    2018-12-01 $193,500 (1.9%) $214,902 (-2.7%) 0.00 102
    2019-01-01 $184,450 (-3.5%) $213,441 (-6.0%) 0.00 94
    2019-02-01 $179,900 (-5.3%) $213,531 (-7.2%) 0.00 91
    2019-03-01 $189,643 (-0.1%) $222,626 (-1.1%) 0.00 84
    2019-04-01 $194,900 (2.9%) $229,172 (2.7%) 0.00 79
    2019-05-01 $213,950 (9.7%) $244,050 (9.8%) 0.00 89
    2019-06-01 $197,950 (2.1%) $233,293 (6.7%) 0.00 101
    2019-07-01 $196,025 (0.1%) $233,559 (4.4%) 0.00 99
    2019-08-01 $191,005 (-3.5%) $229,250 (2.8%) 0.00 102
    2019-09-01 $184,786 (-6.7%) $218,050 (0.6%) 0.00 100
    2019-10-01 $179,975 (-2.4%) $209,951 (-0.1%) 0.00 98
    2019-11-01 $167,950 (-11.2%) $197,404 (-7.3%) 0.00 93
    2019-12-01 $167,425 (-13.5%) $191,658 (-10.8%) 0.00 85
    2020-01-01 $166,225 (-9.9%) $194,781 (-8.7%) 0.00 77
    2020-02-01 $168,950 (-6.1%) $195,617 (-8.4%) 0.00 79
    2020-03-01 $176,700 (-6.8%) $209,767 (-5.8%) 0.00 81
    2020-04-01 $168,750 (-13.4%) $202,066 (-11.8%) 0.00 76
    2020-05-01 $183,000 (-14.5%) $210,508 (-13.7%) 0.00 82
    2020-06-01 $185,000 (-6.5%) $211,227 (-9.5%) 0.00 81
    2020-07-01 $189,675 (-3.2%) $218,439 (-6.5%) 0.00 70
    2020-08-01 $191,900 (0.5%) $226,320 (-1.3%) 0.00 77
    2020-09-01 $182,400 (-1.3%) $218,764 (0.3%) 0.00 77
    2020-10-01 $185,500 (3.1%) $217,128 (3.4%) 0.00 77
    2020-11-01 $194,725 (15.9%) $227,999 (15.5%) 0.00 67
    2020-12-01 $191,500 (14.4%) $221,252 (15.4%) 0.00 72
    2021-01-01 $186,500 (12.2%) $211,606 (8.6%) 0.00 57
    2021-02-01 $186,500 (10.4%) $209,538 (7.1%) 0.00 52
    2021-03-01 $184,000 (4.1%) $206,302 (-1.7%) 0.00 51
    2021-04-01 $162,000 (-4.0%) $202,739 (0.3%) 0.00 50
    2021-05-01 $163,450 (-10.7%) $211,147 (0.3%) 0.00 39
    2021-06-01 $169,999 (-8.1%) $223,895 (6.0%) 0.00 37
    2021-07-01 $179,000 (-5.6%) $222,515 (1.9%) 0.00 49
    2021-08-01 $193,200 (0.7%) $216,031 (-4.6%) 0.00 48
    2021-09-01 $167,450 (-8.2%) $223,608 (2.2%) 0.00 45
    2021-10-01 $163,000 (-12.1%) $199,155 (-8.3%) 0.00 37
    2021-11-01 $175,000 (-10.1%) $210,047 (-7.9%) 0.00 30
    2021-12-01 $179,900 (-6.1%) $222,198 (0.4%) 0.00 30
    2022-01-01 $179,900 (-3.5%) $241,277 (14.0%) 0.00 29
    2022-02-01 $210,500 (12.9%) $242,202 (15.6%) 0.00 25
    2022-03-01 $200,950 (9.2%) $238,623 (15.7%) 0.00 32
    2022-04-01 $212,000 (30.9%) $246,500 (21.6%) 0.00 28
    2022-05-01 $176,725 (8.1%) $219,717 (4.1%) 0.00 38
    2022-06-01 $169,925 (0.0%) $200,766 (-10.3%) 0.00 40
    2022-07-01 $189,900 (6.1%) $211,826 (-4.8%) 0.00 43
    2022-08-01 $194,950 (0.9%) $248,696 (15.1%) 0.00 55
    2022-09-01 $181,220 (8.2%) $231,548 (3.6%) 0.00 56
    2022-10-01 $174,450 (7.0%) $226,337 (13.7%) 0.00 57
    2022-11-01 $172,900 (-1.2%) $234,143 (11.5%) 0.00 46
    2022-12-01 $170,950 (-5.0%) $215,851 (-2.9%) 0.00 40
    2023-01-01 $164,225 (-8.7%) $209,265 (-13.3%) 0.00 41
    2023-02-01 $164,225 (-22.0%) $212,842 (-12.1%) 0.00 31
    2023-03-01 $168,000 (-16.4%) $235,283 (-1.4%) 0.00 21
    2023-04-01 $179,900 (-15.1%) $263,042 (6.7%) 0.00 23
    2023-05-01 $211,175 (19.5%) $271,814 (23.7%) 0.00 30
    2023-06-01 $248,200 (46.1%) $278,791 (38.9%) 0.00 48
    2023-07-01 $215,950 (13.7%) $267,630 (26.3%) 0.00 50
    2023-08-01 $229,700 (17.8%) $292,556 (17.6%) 0.00 56
    2023-09-01 $234,450 (29.4%) $290,854 (25.6%) 0.00 50
    2023-10-01 $226,175 (29.7%) $248,052 (9.6%) 0.00 52
    2023-11-01 $229,450 (32.7%) $252,614 (7.9%) 0.00 43
    2023-12-01 $244,900 (43.3%) $259,141 (20.1%) 0.00 36
    2024-01-01 $234,450 (42.8%) $242,017 (15.7%) 0.00 36
    2024-02-01 $212,175 (29.2%) $220,954 (3.8%) 0.00 31
    2024-03-01 $174,450 (3.8%) $254,680 (8.2%) 0.00 28
    2024-04-01 $183,475 (2.0%) $278,272 (5.8%) 0.00 26
    2024-05-01 $218,650 (3.5%) $304,873 (12.2%) 0.00 28
    2024-06-01 $224,900 (-9.4%) $322,471 (15.7%) 0.00 29
    2024-07-01 $211,450 (-2.1%) $332,338 (24.2%) 0.00 34
    2024-08-01 $265,000 (15.4%) $353,805 (20.9%) 0.00 34
    2024-09-01 $234,600 (0.1%) $305,591 (5.1%) 0.00 39
    2024-10-01 $204,450 (-9.6%) $286,166 (15.4%) 0.00 35
    2024-11-01 $200,000 (-12.8%) $298,662 (18.2%) 0.00 35
    2024-12-01 $206,200 (-15.8%) $294,540 (13.7%) 0.00 35
    2025-01-01 $223,250 (-4.8%) $296,590 (22.6%) 0.00 33
    2025-02-01 $219,850 (3.6%) $313,232 (41.8%) 0.00 25
    2025-03-01 $220,000 (26.1%) $309,445 (21.5%) 0.00 29
    Jamestown's median listing price for 2025-03-01 was $220,000, a difference of $45,550 (26.1%) versus the prior year and $150 versus the prior month.

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

    Jamestown's average listing price for 2025-03-01 was $309,445, a difference of $54,765 (21.5%) versus the prior year and $-3,787 versus the prior month.

    For the 2025-03-01 period, Jamestown had 29 MLS listings, a difference of 4 listings (16%) versus the prior month and 1 listings (4%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Jamestown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,999 sqft
    2018-02-01 0 days 1,992 sqft
    2018-03-01 0 days 1,959 sqft
    2018-04-01 0 days 1,916 sqft
    2018-05-01 0 days 1,896 sqft
    2018-06-01 0 days 1,904 sqft
    2018-07-01 0 days 1,971 sqft
    2018-08-01 0 days 2,000 sqft
    2018-09-01 0 days 2,008 sqft
    2018-10-01 0 days 1,960 sqft
    2018-11-01 0 days 1,943 sqft
    2018-12-01 0 days 2,000 sqft
    2019-01-01 0 days 1,960 sqft
    2019-02-01 0 days 1,970 sqft
    2019-03-01 0 days 2,034 sqft
    2019-04-01 0 days 2,037 sqft
    2019-05-01 0 days 2,175 sqft
    2019-06-01 0 days 2,036 sqft
    2019-07-01 0 days 2,000 sqft
    2019-08-01 0 days 1,952 sqft
    2019-09-01 0 days 1,880 sqft
    2019-10-01 0 days 1,824 sqft
    2019-11-01 0 days 1,824 sqft
    2019-12-01 0 days 1,816 sqft
    2020-01-01 0 days 1,807 sqft
    2020-02-01 0 days 1,824 sqft
    2020-03-01 0 days 1,920 sqft
    2020-04-01 0 days 1,847 sqft
    2020-05-01 0 days 1,960 sqft
    2020-06-01 0 days 1,991 sqft
    2020-07-01 0 days 1,956 sqft
    2020-08-01 0 days 1,994 sqft
    2020-09-01 0 days 1,988 sqft
    2020-10-01 0 days 1,976 sqft
    2020-11-01 0 days 2,021 sqft
    2020-12-01 0 days 1,994 sqft
    2021-01-01 0 days 1,806 sqft
    2021-02-01 0 days 1,903 sqft
    2021-03-01 0 days 1,784 sqft
    2021-04-01 0 days 1,652 sqft
    2021-05-01 0 days 1,652 sqft
    2021-06-01 0 days 1,639 sqft
    2021-07-01 0 days 1,600 sqft
    2021-08-01 0 days 1,576 sqft
    2021-09-01 0 days 1,627 sqft
    2021-10-01 0 days 1,510 sqft
    2021-11-01 0 days 1,858 sqft
    2021-12-01 0 days 1,989 sqft
    2022-01-01 0 days 1,920 sqft
    2022-02-01 0 days 1,800 sqft
    2022-03-01 0 days 1,850 sqft
    2022-04-01 0 days 2,191 sqft
    2022-05-01 0 days 1,651 sqft
    2022-06-01 0 days 1,569 sqft
    2022-07-01 0 days 1,563 sqft
    2022-08-01 0 days 1,670 sqft
    2022-09-01 0 days 1,615 sqft
    2022-10-01 0 days 1,668 sqft
    2022-11-01 0 days 1,713 sqft
    2022-12-01 0 days 1,698 sqft
    2023-01-01 0 days 1,630 sqft
    2023-02-01 0 days 1,591 sqft
    2023-03-01 0 days 1,582 sqft
    2023-04-01 0 days 1,834 sqft
    2023-05-01 0 days 1,840 sqft
    2023-06-01 0 days 2,195 sqft
    2023-07-01 0 days 2,040 sqft
    2023-08-01 0 days 2,187 sqft
    2023-09-01 0 days 2,068 sqft
    2023-10-01 0 days 1,917 sqft
    2023-11-01 0 days 2,001 sqft
    2023-12-01 0 days 2,024 sqft
    2024-01-01 0 days 1,993 sqft
    2024-02-01 0 days 1,897 sqft
    2024-03-01 0 days 1,892 sqft
    2024-04-01 0 days 2,075 sqft
    2024-05-01 0 days 2,113 sqft
    2024-06-01 0 days 2,188 sqft
    2024-07-01 0 days 2,038 sqft
    2024-08-01 0 days 2,122 sqft
    2024-09-01 0 days 2,029 sqft
    2024-10-01 0 days 1,903 sqft
    2024-11-01 0 days 1,912 sqft
    2024-12-01 0 days 1,966 sqft
    2025-01-01 0 days 1,958 sqft
    2025-02-01 0 days 1,972 sqft
    2025-03-01 0 days 1,912 sqft
    Jamestown's median listing age (time on market) for 2025-03-01 was 0 days.

    Jamestown's median square footage for active listings during the 2025-03-01 period was 1,912 sqft. One year prior, the average listing was 1,892 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.