Jefferson City VA Loan Rates, Closing Costs & Stats

JEFFERSON CITY, 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.

    Jefferson City's 53 lenders originated 314 VA loans during 2024. The total origination value was $90,060,000, with an average VA loan value of $286,815.

    Jefferson City VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Jefferson City averaged 0.25% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Jefferson City's average VA mortgage closing costs are $4,843.

    The average rate for the prior week (2025-06-27) was 6.58% and one month ago for the week of 2025-05-30, the average rate was 6.91%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.09%.

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

    Jefferson City 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 Jefferson City level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 98 6.30% $4,942
    FLAT BRANCH MORTGAGE, INC. 45 6.47% $7,677
    UNITED WHOLESALE MORTGAGE, LLC 25 6.24% $4,513
    PENNYMAC LOAN SERVICES, LLC 17 5.83% $6,125
    FREEDOM MORTGAGE CORPORATION 13 6.07% $6,197
    QUICKEN LOANS, LLC 9 6.26% $6,328
    TOWNE MORTGAGE COMPANY 8 6.63% $7,114
    VILLAGE CAPITAL MORTGAGE 8 5.58% $8,274
    The Central Trust Bank 6 6.38% $8,462
    MORTGAGE SOLUTIONS OF COLORADO, LLC 5 6.98% $3,726
    NEWREZ LLC 4 5.75% $5,518
    NAVY FEDERAL CREDIT UNION 4 6.09% $7,655
    NEW DAY FINANCIAL, LLC 4 7.24% $11,729
    GUARANTEED RATE, INC. 3 6.58% $6,302
    Century Mortgage Company DBA Century Lending Company 3 5.71% $6,305
    GENEVA FINANCIAL, LLC 3 7.08% $2,245
    LAKEVIEW LOAN SERVICING, LLC 3 5.71% $3,887
    Mid-Continent Funding, Inc. 3 5.96% $6,173
    Midwest Mortgage Associates Corporation 3 6.75% $4,663
    The Federal Savings Bank 3 6.67% $11,670
    Carrington Mortgage Services, LLC 2 6.00% $5,326
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.75% $16,437
    Barrington Bank & Trust Company, N.A. 2 6.00% $2,067
    USAA Federal Savings Bank 2 5.69% $5,884
    U.S. Bank 2 6.25% $8,540
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.69% $6,732
    ZILLOW HOME LOANS, LLC 1 6.75% $4,727
    LOANPAL, LLC 1 6.13% $10,588
    BANK OF LITTLE ROCK MORTGAGE CORPORATION 1 6.63% $5,611
    Bell Bank 1 5.63% $1,338
    CMG MORTGAGE, INC. 1 6.25% $16,106
    Cornerstone First Mortgage, Inc 1 6.63% $4,045
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $5,677
    DAS Acquisition Company, LLC 1 6.75% $8,451
    ENDEAVOR CAPITAL, LLC. 1 5.50% $7,108
    First Federal Bank 1 6.13% $1,961
    GERSHMAN INVESTMENT CORP. 1 6.63% $3,571
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.99% $10,750
    Great Southern Bank 1 6.13% $1,852
    GUILD MORTGAGE COMPANY 1 7.63% $3,439
    Hawthorn Bank 1 5.50% $72
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.25% $1,282
    HOMESIDE FINANCIAL, LLC 1 6.25% $16,727
    LOANDEPOT.COM, LLC 1 5.88% $8,063
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.13% $4,307
    Magnolia Bank 1 6.50% $9,121
    Members Mortgage Services, L.L.C. 1 6.38% $4,088
    Mr. Cooper ( Nationstar Mortgage ) 1 6.13% $10,055
    PLANET HOME LENDING, LLC 1 5.50% $4,941
    Servion, Inc. 1 5.63% $22,525
    Simmons Bank 1 6.63% $2,953
    Stride Bank 1 6.63% $3,456
    Texana Bank 1 6.00% $4,420

    The top Jefferson City VA lender as defined by loan originations is Mortgage Research Center, LLC, with 98 VA loans originated. Their average total fees are $4,942, which is $2,734 lower than the next largest lender, FLAT BRANCH MORTGAGE, INC..

    The lowest fee Jefferson City VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($4,513), Mortgage Research Center, LLC ($4,942), PENNYMAC LOAN SERVICES, LLC ($6,125), FREEDOM MORTGAGE CORPORATION ($6,197) and FLAT BRANCH MORTGAGE, INC. ($7,677).

    The lowest rate Jefferson City VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.83%), FREEDOM MORTGAGE CORPORATION (6.07%), UNITED WHOLESALE MORTGAGE, LLC (6.24%), Mortgage Research Center, LLC (6.30%) and FLAT BRANCH MORTGAGE, INC. (6.47%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Jefferson City (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 $146,700 (14.2%) $187,716 (11.8%) 0.54 387
    2018-02-01 $151,950 (17.0%) $195,670 (17.2%) 0.55 379
    2018-03-01 $149,900 (15.4%) $199,251 (17.9%) 0.53 394
    2018-04-01 $170,700 (22.0%) $211,671 (15.4%) 0.58 407
    2018-05-01 $174,900 (20.7%) $216,452 (14.6%) 0.58 413
    2018-06-01 $179,900 (24.2%) $224,786 (19.3%) 0.60 415
    2018-07-01 $179,450 (23.8%) $216,911 (14.3%) 0.60 434
    2018-08-01 $177,475 (22.5%) $206,792 (10.2%) 0.59 476
    2018-09-01 $175,000 (20.7%) $204,027 (7.3%) 0.59 481
    2018-10-01 $166,175 (15.8%) $197,231 (6.5%) 0.56 480
    2018-11-01 $168,200 (16.0%) $196,723 (6.7%) 0.57 460
    2018-12-01 $164,950 (12.8%) $195,750 (3.7%) 0.57 446
    2019-01-01 $166,200 (13.3%) $195,113 (3.9%) 0.57 406
    2019-02-01 $154,425 (1.6%) $188,022 (-3.9%) 0.52 412
    2019-03-01 $160,079 (6.8%) $192,838 (-3.2%) 0.52 389
    2019-04-01 $168,875 (-1.1%) $197,758 (-6.6%) 0.54 384
    2019-05-01 $169,450 (-3.1%) $207,046 (-4.4%) 0.53 402
    2019-06-01 $177,000 (-1.6%) $214,867 (-4.4%) 0.55 423
    2019-07-01 $177,350 (-1.2%) $218,750 (0.9%) 0.56 408
    2019-08-01 $175,965 (-0.9%) $217,556 (5.2%) 0.56 407
    2019-09-01 $177,414 (1.4%) $216,403 (6.1%) 0.57 407
    2019-10-01 $176,559 (6.3%) $212,795 (7.9%) 0.57 406
    2019-11-01 $179,900 (7.0%) $213,777 (8.7%) 0.59 393
    2019-12-01 $179,950 (9.1%) $214,696 (9.7%) 0.60 361
    2020-01-01 $173,250 (4.2%) $216,034 (10.7%) 0.58 345
    2020-02-01 $177,000 (14.6%) $227,371 (20.9%) 0.58 331
    2020-03-01 $185,500 (15.9%) $236,500 (22.6%) 0.58 301
    2020-04-01 $196,970 (16.6%) $234,636 (18.7%) 0.62 285
    2020-05-01 $210,000 (23.9%) $245,667 (18.7%) 0.64 250
    2020-06-01 $213,700 (20.7%) $248,132 (15.5%) 0.63 249
    2020-07-01 $207,400 (16.9%) $247,150 (13.0%) 0.60 213
    2020-08-01 $204,900 (16.4%) $245,885 (13.0%) 0.59 189
    2020-09-01 $199,800 (12.6%) $238,638 (10.3%) 0.57 183
    2020-10-01 $179,700 (1.8%) $231,733 (8.9%) 0.51 169
    2020-11-01 $183,725 (2.1%) $240,167 (12.3%) 0.54 166
    2020-12-01 $178,700 (-0.7%) $234,803 (9.4%) 0.53 173
    2021-01-01 $178,700 (3.2%) $232,148 (7.5%) 0.53 142
    2021-02-01 $180,833 (2.2%) $233,710 (2.8%) 0.53 105
    2021-03-01 $196,175 (5.8%) $247,269 (4.6%) 0.56 85
    2021-04-01 $212,450 (7.9%) $261,799 (11.6%) 0.58 96
    2021-05-01 $182,400 (-13.1%) $251,898 (2.5%) 0.48 97
    2021-06-01 $199,900 (-6.5%) $263,888 (6.4%) 0.53 111
    2021-07-01 $193,900 (-6.5%) $253,255 (2.5%) 0.51 130
    2021-08-01 $199,050 (-2.9%) $264,330 (7.5%) 0.53 143
    2021-09-01 $218,575 (9.4%) $271,787 (13.9%) 0.58 154
    2021-10-01 $199,900 (11.2%) $259,303 (11.9%) 0.53 153
    2021-11-01 $188,350 (2.5%) $279,364 (16.3%) 0.50 148
    2021-12-01 $195,000 (9.1%) $271,727 (15.7%) 0.53 144
    2022-01-01 $192,000 (7.4%) $279,057 (20.2%) 0.52 119
    2022-02-01 $206,450 (14.2%) $299,217 (28.0%) 0.54 112
    2022-03-01 $198,950 (1.4%) $297,224 (20.2%) 0.50 102
    2022-04-01 $199,500 (-6.1%) $289,557 (10.6%) 0.48 116
    2022-05-01 $227,400 (24.7%) $303,709 (20.6%) 0.52 132
    2022-06-01 $238,725 (19.4%) $296,505 (12.4%) 0.53 161
    2022-07-01 $221,125 (14.0%) $285,367 (12.7%) 0.50 178
    2022-08-01 $217,925 (9.5%) $298,331 (12.9%) 0.50 186
    2022-09-01 $227,250 (4.0%) $314,161 (15.6%) 0.53 178
    2022-10-01 $199,900 (0.0%) $282,806 (9.1%) 0.47 197
    2022-11-01 $242,000 (28.5%) $299,514 (7.2%) 0.58 163
    2022-12-01 $259,900 (33.3%) $325,852 (19.9%) 0.64 150
    2023-01-01 $254,450 (32.5%) $315,270 (13.0%) 0.63 125
    2023-02-01 $259,950 (25.9%) $320,178 (7.0%) 0.63 122
    2023-03-01 $251,250 (26.3%) $312,207 (5.0%) 0.59 121
    2023-04-01 $278,400 (39.6%) $333,228 (15.1%) 0.65 128
    2023-05-01 $278,550 (22.5%) $335,999 (10.6%) 0.63 138
    2023-06-01 $266,150 (11.5%) $338,133 (14.0%) 0.60 148
    2023-07-01 $279,900 (26.6%) $343,852 (20.5%) 0.64 151
    2023-08-01 $319,900 (46.8%) $379,804 (27.3%) 0.73 149
    2023-09-01 $317,500 (39.7%) $374,110 (19.1%) 0.74 162
    2023-10-01 $315,000 (57.6%) $357,981 (26.6%) 0.74 174
    2023-11-01 $314,950 (30.1%) $365,182 (21.9%) 0.75 169
    2023-12-01 $302,488 (16.4%) $364,517 (11.9%) 0.74 150
    2024-01-01 $302,488 (18.9%) $362,646 (15.0%) 0.74 152
    2024-02-01 $314,900 (21.1%) $362,458 (13.2%) 0.76 142
    2024-03-01 $309,900 (23.3%) $352,238 (12.8%) 0.73 153
    2024-04-01 $289,325 (3.9%) $361,009 (8.3%) 0.67 149
    2024-05-01 $319,925 (14.9%) $366,995 (9.2%) 0.73 148
    2024-06-01 $334,900 (25.8%) $393,585 (16.4%) 0.76 184
    2024-07-01 $294,000 (5.0%) $369,395 (7.4%) 0.67 227
    2024-08-01 $298,000 (-6.9%) $379,875 (0.0%) 0.69 242
    2024-09-01 $292,725 (-7.8%) $403,151 (7.8%) 0.69 263
    2024-10-01 $299,450 (-4.9%) $409,527 (14.4%) 0.70 283
    2024-11-01 $299,450 (-4.9%) $414,251 (13.4%) 0.72 261
    2024-12-01 $299,900 (-0.9%) $408,561 (12.1%) 0.75 222
    2025-01-01 $299,900 (-0.9%) $398,671 (9.9%) 0.75 206
    2025-02-01 $301,117 (-4.4%) $402,257 (11.0%) 0.73 190
    2025-03-01 $324,000 (4.6%) $404,023 (14.7%) 0.76 189
    2025-04-01 $307,000 (6.1%) $380,331 (5.4%) 0.71 202
    2025-05-01 $314,950 (-1.6%) $390,599 (6.4%) 0.72 213
    Jefferson City's median listing price for 2025-05-01 was $314,950, a difference of $-4,975 (-1.6%) versus the prior year and $7,950 versus the prior month.

    Jefferson City's median listing price comes in at 72% of the national average.

    Jefferson City's average listing price for 2025-05-01 was $390,599, a difference of $23,604 (6.4%) versus the prior year and $10,268 versus the prior month.

    For the 2025-05-01 period, Jefferson City had 213 MLS listings, a difference of 11 listings (5%) versus the prior month and 65 listings (44%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Jefferson City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 79 days 1,944 sqft
    2018-02-01 71 days 1,977 sqft
    2018-03-01 56 days 1,978 sqft
    2018-04-01 50 days 2,028 sqft
    2018-05-01 52 days 2,111 sqft
    2018-06-01 53 days 2,118 sqft
    2018-07-01 54 days 2,124 sqft
    2018-08-01 58 days 2,100 sqft
    2018-09-01 60 days 2,013 sqft
    2018-10-01 65 days 1,985 sqft
    2018-11-01 70 days 1,961 sqft
    2018-12-01 78 days 1,876 sqft
    2019-01-01 82 days 1,860 sqft
    2019-02-01 82 days 1,808 sqft
    2019-03-01 67 days 1,830 sqft
    2019-04-01 51 days 1,878 sqft
    2019-05-01 42 days 1,943 sqft
    2019-06-01 44 days 2,021 sqft
    2019-07-01 58 days 1,994 sqft
    2019-08-01 57 days 1,985 sqft
    2019-09-01 55 days 1,978 sqft
    2019-10-01 55 days 1,949 sqft
    2019-11-01 63 days 1,922 sqft
    2019-12-01 74 days 1,952 sqft
    2020-01-01 78 days 1,966 sqft
    2020-02-01 68 days 1,986 sqft
    2020-03-01 53 days 2,036 sqft
    2020-04-01 64 days 2,000 sqft
    2020-05-01 59 days 2,129 sqft
    2020-06-01 47 days 2,007 sqft
    2020-07-01 52 days 2,099 sqft
    2020-08-01 40 days 2,094 sqft
    2020-09-01 35 days 2,031 sqft
    2020-10-01 34 days 1,874 sqft
    2020-11-01 37 days 1,946 sqft
    2020-12-01 36 days 1,812 sqft
    2021-01-01 47 days 1,786 sqft
    2021-02-01 37 days 1,774 sqft
    2021-03-01 25 days 1,884 sqft
    2021-04-01 16 days 2,016 sqft
    2021-05-01 16 days 1,836 sqft
    2021-06-01 16 days 1,919 sqft
    2021-07-01 18 days 1,899 sqft
    2021-08-01 19 days 1,978 sqft
    2021-09-01 23 days 1,836 sqft
    2021-10-01 29 days 1,736 sqft
    2021-11-01 35 days 1,674 sqft
    2021-12-01 45 days 1,819 sqft
    2022-01-01 52 days 1,841 sqft
    2022-02-01 39 days 1,835 sqft
    2022-03-01 29 days 1,881 sqft
    2022-04-01 22 days 1,862 sqft
    2022-05-01 25 days 1,959 sqft
    2022-06-01 23 days 1,755 sqft
    2022-07-01 39 days 1,728 sqft
    2022-08-01 35 days 1,824 sqft
    2022-09-01 44 days 1,901 sqft
    2022-10-01 41 days 1,728 sqft
    2022-11-01 51 days 1,781 sqft
    2022-12-01 64 days 1,859 sqft
    2023-01-01 64 days 1,805 sqft
    2023-02-01 47 days 1,848 sqft
    2023-03-01 38 days 1,860 sqft
    2023-04-01 27 days 1,879 sqft
    2023-05-01 27 days 1,889 sqft
    2023-06-01 36 days 1,862 sqft
    2023-07-01 30 days 1,949 sqft
    2023-08-01 37 days 2,066 sqft
    2023-09-01 38 days 2,086 sqft
    2023-10-01 39 days 1,988 sqft
    2023-11-01 41 days 2,016 sqft
    2023-12-01 56 days 2,097 sqft
    2024-01-01 58 days 2,034 sqft
    2024-02-01 40 days 2,049 sqft
    2024-03-01 37 days 1,950 sqft
    2024-04-01 33 days 1,944 sqft
    2024-05-01 31 days 1,940 sqft
    2024-06-01 30 days 2,000 sqft
    2024-07-01 36 days 1,948 sqft
    2024-08-01 39 days 1,940 sqft
    2024-09-01 39 days 1,941 sqft
    2024-10-01 49 days 1,985 sqft
    2024-11-01 57 days 1,924 sqft
    2024-12-01 66 days 1,877 sqft
    2025-01-01 70 days 1,881 sqft
    2025-02-01 65 days 1,880 sqft
    2025-03-01 37 days 1,930 sqft
    2025-04-01 33 days 1,904 sqft
    2025-05-01 36 days 1,938 sqft
    Jefferson City's median listing age (time on market) for 2025-05-01 was 36 days. This is 17% longer than the same period one year ago.

    Jefferson City's median square footage for active listings during the 2025-05-01 period was 1,938 sqft. One year prior, the average listing was 1,940 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.