Kingsville VA Loan Rates, Closing Costs & Stats

Kingsville, TX

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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.

    Kingsville's 24 lenders originated 52 VA loans during 2023. The total origination value was $14,410,000, with an average VA loan value of $277,115.

    Kingsville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Kingsville averaged 0.26% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    Kingsville's average VA mortgage closing costs are $6,315.

    The average rate for the prior week (2024-11-08) was 6.76% and one month ago for the week of 2024-10-11, the average rate was 6.23%.

    The average rate one year ago was 7.42%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.1%.

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

    Kingsville 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 Kingsville level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 22 7.01% $6,730
    NAVY FEDERAL CREDIT UNION 5 6.15% $5,178
    Barrington Bank & Trust Company, N.A. 1 6.25% $3,792
    CMG MORTGAGE, INC. 1 5.75% $11,071
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $6,085
    FREEDOM MORTGAGE CORPORATION 1 6.50% $5,702
    GARDNER FINANCIAL SERVICES, LTD. 1 7.13% $2,841
    HOMESTEAD FUNDING CORP. 1 6.75% $10,193
    JPMorgan Chase Bank 1 6.38% $0
    LOANDEPOT.COM, LLC 1 5.99% $4,229
    MORTGAGEONE, INC. 1 7.75% $8,160
    Neighborhood Loans, Inc. 1 7.63% $12,932
    PENNYMAC LOAN SERVICES, LLC 1 6.25% $4,749
    POINT Mortgage 1 5.13% $3,272
    Presidential Bank, FSB 1 7.25% $2,291
    Prosperity Bank 1 6.63% $7,068
    QUICKEN LOANS, LLC 1 5.50% $34,907
    Sunflower Bank 1 6.49% $10,889
    TJC Mortgage, Inc. 1 6.13% $6,159
    UNITED WHOLESALE MORTGAGE, LLC 1 6.75% $5,613
    UNIVERSAL MORTGAGE & FINANCE, INC. 1 7.25% $12,586
    AMCAP MORTGAGE, LTD. 1 4.57% $5,408
    Wells Fargo Bank 1 6.13% $9,435
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $12,619

    The top Kingsville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 22 VA loans originated. Their average total fees are $6,730, which is $1,552 higher than the next largest lender, NAVY FEDERAL CREDIT UNION.

    The lowest fee Kingsville VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($6,730), .

    The lowest rate Kingsville VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (7.01%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Kingsville (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 $126,150 (-10.0%) $219,331 (19.7%) 0.00 95
    2018-02-01 $125,250 (-15.2%) $217,904 (7.0%) 0.00 87
    2018-03-01 $142,500 (2.4%) $213,391 (0.3%) 0.00 88
    2018-04-01 $157,450 (21.2%) $221,687 (7.1%) 0.00 88
    2018-05-01 $148,450 (14.3%) $200,903 (-5.6%) 0.00 84
    2018-06-01 $147,000 (11.0%) $201,497 (1.2%) 0.00 90
    2018-07-01 $139,950 (-1.8%) $202,979 (7.6%) 0.00 96
    2018-08-01 $153,450 (10.4%) $205,577 (-3.1%) 0.00 95
    2018-09-01 $154,900 (18.6%) $209,549 (-6.4%) 0.00 95
    2018-10-01 $152,450 (13.0%) $197,044 (-9.3%) 0.00 95
    2018-11-01 $155,000 (13.8%) $196,397 (-11.9%) 0.00 93
    2018-12-01 $155,500 (13.1%) $195,368 (-13.2%) 0.00 98
    2019-01-01 $155,375 (23.2%) $197,800 (-9.8%) 0.00 94
    2019-02-01 $137,800 (10.0%) $194,454 (-10.8%) 0.00 85
    2019-03-01 $128,071 (-10.1%) $192,401 (-9.8%) 0.00 80
    2019-04-01 $121,950 (-22.6%) $184,948 (-16.6%) 0.00 73
    2019-05-01 $117,500 (-20.9%) $184,141 (-8.3%) 0.00 64
    2019-06-01 $158,500 (7.8%) $212,496 (5.5%) 0.00 63
    2019-07-01 $160,125 (14.4%) $214,801 (5.8%) 0.00 58
    2019-08-01 $155,609 (1.4%) $211,185 (2.7%) 0.00 58
    2019-09-01 $151,273 (-2.3%) $206,787 (-1.3%) 0.00 59
    2019-10-01 $148,382 (-2.7%) $203,856 (3.5%) 0.00 59
    2019-11-01 $154,500 (-0.3%) $214,858 (9.4%) 0.00 59
    2019-12-01 $145,425 (-6.5%) $197,638 (1.2%) 0.00 67
    2020-01-01 $157,200 (1.2%) $208,881 (5.6%) 0.00 63
    2020-02-01 $174,900 (26.9%) $230,344 (18.5%) 0.00 63
    2020-03-01 $170,850 (33.4%) $225,096 (17.0%) 0.00 64
    2020-04-01 $152,400 (25.0%) $231,101 (25.0%) 0.00 63
    2020-05-01 $169,900 (44.6%) $235,660 (28.0%) 0.00 60
    2020-06-01 $180,550 (13.9%) $267,621 (25.9%) 0.00 34
    2020-07-01 $177,900 (11.1%) $259,391 (20.8%) 0.00 31
    2020-08-01 $170,000 (9.3%) $245,105 (16.1%) 0.00 32
    2020-09-01 $164,250 (8.6%) $240,487 (16.3%) 0.00 32
    2020-10-01 $169,900 (14.5%) $229,371 (12.5%) 0.00 40
    2020-11-01 $172,925 (11.9%) $236,840 (10.2%) 0.00 48
    2020-12-01 $174,250 (19.8%) $232,244 (17.5%) 0.00 52
    2021-01-01 $174,000 (10.7%) $243,511 (16.6%) 0.00 48
    2021-02-01 $170,300 (-2.6%) $254,816 (10.6%) 0.00 48
    2021-03-01 $179,750 (5.2%) $271,203 (20.5%) 0.00 48
    2021-04-01 $187,450 (23.0%) $272,433 (17.9%) 0.00 44
    2021-05-01 $192,500 (13.3%) $260,657 (10.6%) 0.00 35
    2021-06-01 $213,500 (18.3%) $298,582 (11.6%) 0.00 40
    2021-07-01 $188,750 (6.1%) $292,624 (12.8%) 0.00 45
    2021-08-01 $171,000 (0.6%) $281,752 (15.0%) 0.00 45
    2021-09-01 $187,250 (14.0%) $308,777 (28.4%) 0.00 44
    2021-10-01 $161,500 (-4.9%) $295,898 (29.0%) 0.00 46
    2021-11-01 $184,450 (6.7%) $304,599 (28.6%) 0.00 47
    2021-12-01 $163,500 (-6.2%) $272,973 (17.5%) 0.00 44
    2022-01-01 $171,450 (-1.5%) $284,752 (16.9%) 0.00 36
    2022-02-01 $157,450 (-7.6%) $269,878 (5.9%) 0.00 30
    2022-03-01 $186,975 (4.0%) $244,869 (-9.7%) 0.00 35
    2022-04-01 $189,000 (0.8%) $257,373 (-5.5%) 0.00 36
    2022-05-01 $188,475 (-2.1%) $244,752 (-6.1%) 0.00 39
    2022-06-01 $216,225 (1.3%) $280,648 (-6.0%) 0.00 51
    2022-07-01 $224,999 (19.2%) $284,497 (-2.8%) 0.00 60
    2022-08-01 $206,500 (20.8%) $291,597 (3.5%) 0.00 58
    2022-09-01 $202,000 (7.9%) $298,134 (-3.5%) 0.00 47
    2022-10-01 $190,000 (17.7%) $276,994 (-6.4%) 0.00 59
    2022-11-01 $174,825 (-5.2%) $248,416 (-18.4%) 0.00 67
    2022-12-01 $174,950 (7.0%) $254,104 (-6.9%) 0.00 64
    2023-01-01 $183,725 (7.2%) $221,471 (-22.2%) 0.00 65
    2023-02-01 $184,950 (17.5%) $231,399 (-14.3%) 0.00 61
    2023-03-01 $186,225 (-0.4%) $231,650 (-5.4%) 0.00 59
    2023-04-01 $165,000 (-12.7%) $235,976 (-8.3%) 0.00 59
    2023-05-01 $205,550 (9.1%) $248,170 (1.4%) 0.00 66
    2023-06-01 $242,250 (12.0%) $264,968 (-5.6%) 0.00 73
    2023-07-01 $238,000 (5.8%) $270,053 (-5.1%) 0.00 67
    2023-08-01 $256,975 (24.4%) $285,861 (-2.0%) 0.00 68
    2023-09-01 $249,500 (23.5%) $272,924 (-8.5%) 0.00 72
    2023-10-01 $207,200 (9.1%) $238,969 (-13.7%) 0.00 73
    2023-11-01 $204,250 (16.8%) $241,863 (-2.6%) 0.00 71
    2023-12-01 $185,000 (5.7%) $220,335 (-13.3%) 0.00 72
    2024-01-01 $182,625 (-0.6%) $212,331 (-4.1%) 0.00 61
    2024-02-01 $169,000 (-8.6%) $216,258 (-6.5%) 0.00 52
    2024-03-01 $191,250 (2.7%) $225,843 (-2.5%) 0.00 53
    2024-04-01 $197,150 (19.5%) $242,366 (2.7%) 0.00 64
    2024-05-01 $206,500 (0.5%) $251,769 (1.5%) 0.00 69
    2024-06-01 $189,900 (-21.6%) $243,796 (-8.0%) 0.00 76
    2024-07-01 $201,500 (-15.3%) $245,594 (-9.1%) 0.00 75
    2024-08-01 $203,000 (-21.0%) $259,134 (-9.4%) 0.00 78
    2024-09-01 $218,475 (-12.4%) $274,358 (0.5%) 0.00 75
    2024-10-01 $218,450 (5.4%) $255,505 (6.9%) 0.00 75
    Kingsville's median listing price for 2024-10-01 was $218,450, a difference of $11,250 (5.4%) versus the prior year and $-25 versus the prior month.

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

    Kingsville's average listing price for 2024-10-01 was $255,505, a difference of $16,536 (6.9%) versus the prior year and $-18,853 versus the prior month.

    For the 2024-10-01 period, Kingsville had 75 MLS listings, a difference of 0 listings (0%) versus the prior month and 2 listings (3%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Kingsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,625 sqft
    2018-02-01 0 days 1,623 sqft
    2018-03-01 0 days 1,733 sqft
    2018-04-01 0 days 1,763 sqft
    2018-05-01 0 days 1,766 sqft
    2018-06-01 0 days 1,803 sqft
    2018-07-01 0 days 1,802 sqft
    2018-08-01 0 days 1,759 sqft
    2018-09-01 0 days 1,746 sqft
    2018-10-01 0 days 1,732 sqft
    2018-11-01 0 days 1,701 sqft
    2018-12-01 0 days 1,684 sqft
    2019-01-01 0 days 1,693 sqft
    2019-02-01 0 days 1,633 sqft
    2019-03-01 0 days 1,693 sqft
    2019-04-01 0 days 1,696 sqft
    2019-05-01 0 days 1,572 sqft
    2019-06-01 0 days 1,768 sqft
    2019-07-01 0 days 1,800 sqft
    2019-08-01 0 days 1,727 sqft
    2019-09-01 0 days 1,605 sqft
    2019-10-01 0 days 1,524 sqft
    2019-11-01 0 days 1,575 sqft
    2019-12-01 0 days 1,501 sqft
    2020-01-01 0 days 1,569 sqft
    2020-02-01 0 days 1,688 sqft
    2020-03-01 0 days 1,726 sqft
    2020-04-01 0 days 1,613 sqft
    2020-05-01 0 days 1,619 sqft
    2020-06-01 0 days 1,738 sqft
    2020-07-01 0 days 1,722 sqft
    2020-08-01 0 days 1,728 sqft
    2020-09-01 0 days 1,584 sqft
    2020-10-01 0 days 1,595 sqft
    2020-11-01 0 days 1,645 sqft
    2020-12-01 0 days 1,608 sqft
    2021-01-01 0 days 1,579 sqft
    2021-02-01 0 days 1,571 sqft
    2021-03-01 0 days 1,656 sqft
    2021-04-01 0 days 1,618 sqft
    2021-05-01 0 days 1,701 sqft
    2021-06-01 0 days 1,723 sqft
    2021-07-01 0 days 1,560 sqft
    2021-08-01 0 days 1,640 sqft
    2021-09-01 0 days 1,544 sqft
    2021-10-01 0 days 1,585 sqft
    2021-11-01 0 days 1,771 sqft
    2021-12-01 0 days 1,539 sqft
    2022-01-01 0 days 1,440 sqft
    2022-02-01 0 days 1,508 sqft
    2022-03-01 0 days 1,589 sqft
    2022-04-01 0 days 1,670 sqft
    2022-05-01 0 days 1,602 sqft
    2022-06-01 0 days 1,659 sqft
    2022-07-01 0 days 1,688 sqft
    2022-08-01 0 days 1,693 sqft
    2022-09-01 0 days 1,723 sqft
    2022-10-01 0 days 1,718 sqft
    2022-11-01 0 days 1,691 sqft
    2022-12-01 0 days 1,687 sqft
    2023-01-01 0 days 1,713 sqft
    2023-02-01 0 days 1,684 sqft
    2023-03-01 0 days 1,648 sqft
    2023-04-01 0 days 1,609 sqft
    2023-05-01 0 days 1,631 sqft
    2023-06-01 0 days 1,701 sqft
    2023-07-01 0 days 1,695 sqft
    2023-08-01 0 days 1,708 sqft
    2023-09-01 0 days 1,663 sqft
    2023-10-01 0 days 1,601 sqft
    2023-11-01 0 days 1,585 sqft
    2023-12-01 0 days 1,505 sqft
    2024-01-01 0 days 1,458 sqft
    2024-02-01 0 days 1,449 sqft
    2024-03-01 0 days 1,523 sqft
    2024-04-01 0 days 1,566 sqft
    2024-05-01 0 days 1,600 sqft
    2024-06-01 0 days 1,636 sqft
    2024-07-01 0 days 1,612 sqft
    2024-08-01 0 days 1,605 sqft
    2024-09-01 0 days 1,590 sqft
    2024-10-01 0 days 1,605 sqft
    Kingsville's median listing age (time on market) for 2024-10-01 was 0 days.

    Kingsville's median square footage for active listings during the 2024-10-01 period was 1,605 sqft. One year prior, the average listing was 1,601 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.