Lufkin VA Loan Rates, Closing Costs & Stats

Lufkin, 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.

    Lufkin's 33 lenders originated 103 VA loans during 2024. The total origination value was $28,355,000, with an average VA loan value of $275,291.

    Lufkin VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Lufkin averaged 6.98% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

    Lufkin's average VA mortgage closing costs are $6,010.

    The average rate for the prior week (2025-07-04) was 6.69% and one month ago for the week of 2025-06-06, the average rate was 6.86%.

    The average rate one year ago was 7.18%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.37%.

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

    Lufkin 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 Lufkin level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 24 6.61% $4,320
    FREEDOM MORTGAGE CORPORATION 9 6.08% $7,979
    NAVY FEDERAL CREDIT UNION 6 5.73% $5,337
    UNITED WHOLESALE MORTGAGE, LLC 5 6.15% $6,372
    QUICKEN LOANS, LLC 5 6.47% $15,923
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 6.96% $6,701
    VILLAGE CAPITAL MORTGAGE 3 6.12% $7,854
    Commercial Bank of Texas 3 6.04% $6,683
    NATIONS RELIABLE LENDING, LLC 3 6.00% $11,933
    PENNYMAC LOAN SERVICES, LLC 3 5.37% $6,458
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 8.13% $2,698
    USAA Federal Savings Bank 2 5.81% $14,533
    PLAZA HOME MORTGAGE, INC. 2 7.25% $8,987
    LAKEVIEW LOAN SERVICING, LLC 2 5.50% $6,982
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.63% $8,934
    First National Bank Texas 1 5.75% $6,132
    MOVEMENT MORTGAGE, LLC 1 5.75% $5,057
    VAN DYK MORTGAGE CORPORATION 1 7.13% $5,075
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.25% $4,139
    NEW DAY FINANCIAL, LLC 1 6.49% $9,032
    Barrington Bank & Trust Company, N.A. 1 6.75% $2,623
    PLANET HOME LENDING, LLC 1 6.75% $5,830
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.25% $4,312
    DHI MORTGAGE COMPANY, LTD. 1 5.63% $9,645
    STOCKTON MORTGAGE CORPORATION 1 5.75% $25,183
    T2 FINANCIAL LLC 1 6.75% $4,935
    CROSSCOUNTRY MORTGAGE, LLC 1 5.25% $5,757
    HALLMARK HOME MORTGAGE, LLC 1 6.63% $9,897
    HomePromise Corporation 1 6.75% $20,424
    GUARANTEED RATE, INC. 1 6.25% $1,928
    HOMESIDE FINANCIAL, LLC 1 7.38% $4,649
    LOANDEPOT.COM, LLC 1 7.25% $23,502
    Mid-Continent Funding, Inc. 1 5.38% $6,453

    The top Lufkin VA lender as defined by loan originations is Mortgage Research Center, LLC, with 24 VA loans originated. Their average total fees are $4,320, which is $3,659 lower than the next largest lender, FREEDOM MORTGAGE CORPORATION.

    The lowest fee Lufkin VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,320), .

    The lowest rate Lufkin VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.61%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Lufkin (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 $177,450 (11.0%) $246,098 (10.6%) 0.00 276
    2018-02-01 $173,350 (9.0%) $242,755 (5.7%) 0.00 276
    2018-03-01 $179,900 (12.3%) $245,070 (4.8%) 0.00 258
    2018-04-01 $189,175 (18.3%) $251,627 (9.8%) 0.00 251
    2018-05-01 $194,405 (18.8%) $259,430 (13.7%) 0.00 251
    2018-06-01 $210,000 (29.3%) $267,288 (16.3%) 0.00 260
    2018-07-01 $202,450 (19.9%) $266,836 (13.5%) 0.00 271
    2018-08-01 $212,200 (21.9%) $268,625 (6.8%) 0.00 261
    2018-09-01 $219,900 (22.5%) $274,485 (9.1%) 0.00 250
    2018-10-01 $226,225 (29.3%) $282,344 (18.8%) 0.00 240
    2018-11-01 $219,450 (29.2%) $277,801 (17.1%) 0.00 238
    2018-12-01 $194,900 (14.7%) $264,297 (8.6%) 0.00 265
    2019-01-01 $191,950 (8.2%) $254,379 (3.4%) 0.00 260
    2019-02-01 $175,980 (1.5%) $239,172 (-1.5%) 0.00 263
    2019-03-01 $186,385 (3.6%) $244,782 (-0.1%) 0.00 244
    2019-04-01 $200,325 (5.9%) $252,909 (0.5%) 0.00 223
    2019-05-01 $215,000 (10.6%) $257,736 (-0.7%) 0.00 227
    2019-06-01 $214,900 (2.3%) $266,881 (-0.2%) 0.00 242
    2019-07-01 $213,605 (5.5%) $271,746 (1.8%) 0.00 232
    2019-08-01 $215,102 (1.4%) $275,312 (2.5%) 0.00 229
    2019-09-01 $215,256 (-2.1%) $275,617 (0.4%) 0.00 232
    2019-10-01 $219,688 (-2.9%) $275,821 (-2.3%) 0.00 227
    2019-11-01 $225,000 (2.5%) $284,186 (2.3%) 0.00 212
    2019-12-01 $224,000 (14.9%) $276,538 (4.6%) 0.00 206
    2020-01-01 $212,450 (10.7%) $272,798 (7.2%) 0.00 197
    2020-02-01 $199,900 (13.6%) $265,236 (10.9%) 0.00 219
    2020-03-01 $215,000 (15.4%) $271,006 (10.7%) 0.00 222
    2020-04-01 $227,500 (13.6%) $270,036 (6.8%) 0.00 226
    2020-05-01 $225,000 (4.7%) $277,302 (7.6%) 0.00 219
    2020-06-01 $235,425 (9.6%) $282,298 (5.8%) 0.00 206
    2020-07-01 $244,336 (14.4%) $286,873 (5.6%) 0.00 197
    2020-08-01 $238,750 (11.0%) $278,701 (1.2%) 0.00 168
    2020-09-01 $224,500 (4.3%) $273,790 (-0.7%) 0.00 150
    2020-10-01 $245,000 (11.5%) $299,980 (8.8%) 0.00 136
    2020-11-01 $254,725 (13.2%) $300,415 (5.7%) 0.00 125
    2020-12-01 $245,000 (9.4%) $294,998 (6.7%) 0.00 131
    2021-01-01 $233,000 (9.7%) $281,740 (3.3%) 0.00 126
    2021-02-01 $217,500 (8.8%) $264,162 (-0.4%) 0.00 126
    2021-03-01 $219,925 (2.3%) $274,407 (1.3%) 0.00 111
    2021-04-01 $216,200 (-5.0%) $286,977 (6.3%) 0.00 101
    2021-05-01 $259,450 (15.3%) $313,028 (12.9%) 0.00 91
    2021-06-01 $278,250 (18.2%) $314,968 (11.6%) 0.00 85
    2021-07-01 $229,950 (-5.9%) $303,284 (5.7%) 0.00 118
    2021-08-01 $247,000 (3.5%) $363,411 (30.4%) 0.00 122
    2021-09-01 $241,725 (7.7%) $363,336 (32.7%) 0.00 127
    2021-10-01 $253,700 (3.6%) $386,289 (28.8%) 0.00 122
    2021-11-01 $276,925 (8.7%) $401,559 (33.7%) 0.00 121
    2021-12-01 $271,892 (11.0%) $395,753 (34.2%) 0.00 106
    2022-01-01 $269,000 (15.5%) $403,094 (43.1%) 0.00 93
    2022-02-01 $278,375 (28.0%) $333,312 (26.2%) 0.00 90
    2022-03-01 $279,700 (27.2%) $313,488 (14.2%) 0.00 98
    2022-04-01 $304,000 (40.6%) $322,837 (12.5%) 0.00 101
    2022-05-01 $280,000 (7.9%) $332,787 (6.3%) 0.00 132
    2022-06-01 $272,475 (-2.1%) $304,736 (-3.3%) 0.00 142
    2022-07-01 $262,450 (14.1%) $303,714 (0.1%) 0.00 153
    2022-08-01 $273,200 (10.6%) $349,973 (-3.7%) 0.00 155
    2022-09-01 $292,000 (20.8%) $373,207 (2.7%) 0.00 163
    2022-10-01 $292,500 (15.3%) $361,874 (-6.3%) 0.00 189
    2022-11-01 $293,075 (5.8%) $385,287 (-4.1%) 0.00 201
    2022-12-01 $289,900 (6.6%) $377,800 (-4.5%) 0.00 208
    2023-01-01 $280,500 (4.3%) $365,750 (-9.3%) 0.00 202
    2023-02-01 $276,500 (-0.7%) $361,839 (8.6%) 0.00 192
    2023-03-01 $275,000 (-1.7%) $370,218 (18.1%) 0.00 189
    2023-04-01 $285,000 (-6.3%) $381,166 (18.1%) 0.00 182
    2023-05-01 $287,125 (2.5%) $364,119 (9.4%) 0.00 180
    2023-06-01 $279,000 (2.4%) $344,762 (13.1%) 0.00 193
    2023-07-01 $279,000 (6.3%) $343,321 (13.0%) 0.00 202
    2023-08-01 $275,375 (0.8%) $336,171 (-3.9%) 0.00 213
    2023-09-01 $279,000 (-4.5%) $342,045 (-8.4%) 0.00 218
    2023-10-01 $279,700 (-4.4%) $335,085 (-7.4%) 0.00 238
    2023-11-01 $272,200 (-7.1%) $324,353 (-15.8%) 0.00 246
    2023-12-01 $282,450 (-2.6%) $321,805 (-14.8%) 0.00 250
    2024-01-01 $282,500 (0.7%) $320,597 (-12.4%) 0.00 250
    2024-02-01 $289,900 (4.9%) $329,374 (-9.0%) 0.00 254
    2024-03-01 $291,250 (5.9%) $330,344 (-10.8%) 0.00 260
    2024-04-01 $285,000 (0.0%) $330,889 (-13.2%) 0.00 269
    2024-05-01 $285,000 (-0.7%) $326,593 (-10.3%) 0.00 277
    2024-06-01 $289,000 (3.6%) $326,141 (-5.4%) 0.00 288
    2024-07-01 $292,500 (4.8%) $335,665 (-2.2%) 0.00 305
    2024-08-01 $295,450 (7.3%) $352,937 (5.0%) 0.00 280
    2024-09-01 $290,000 (3.9%) $362,694 (6.0%) 0.00 272
    2024-10-01 $289,000 (3.3%) $359,975 (7.4%) 0.00 286
    2024-11-01 $289,000 (6.2%) $353,609 (9.0%) 0.00 283
    2024-12-01 $285,000 (0.9%) $350,555 (8.9%) 0.00 300
    2025-01-01 $285,000 (0.9%) $350,862 (9.4%) 0.00 296
    2025-02-01 $277,220 (-4.4%) $339,454 (3.1%) 0.00 315
    2025-03-01 $277,990 (-4.6%) $336,566 (1.9%) 0.00 320
    2025-04-01 $276,175 (-3.1%) $338,794 (2.4%) 0.00 344
    2025-05-01 $277,990 (-2.5%) $341,520 (4.6%) 0.00 356
    2025-06-01 $278,875 (-3.5%) $352,135 (8.0%) 0.00 360
    Lufkin's median listing price for 2025-06-01 was $278,875, a difference of $-10,125 (-3.5%) versus the prior year and $885 versus the prior month.

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

    Lufkin's average listing price for 2025-06-01 was $352,135, a difference of $25,994 (8.0%) versus the prior year and $10,615 versus the prior month.

    For the 2025-06-01 period, Lufkin had 360 MLS listings, a difference of 4 listings (1%) versus the prior month and 72 listings (25%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Lufkin (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,988 sqft
    2018-02-01 0 days 1,962 sqft
    2018-03-01 0 days 1,978 sqft
    2018-04-01 0 days 2,035 sqft
    2018-05-01 0 days 2,088 sqft
    2018-06-01 0 days 2,108 sqft
    2018-07-01 0 days 2,055 sqft
    2018-08-01 0 days 2,038 sqft
    2018-09-01 0 days 2,084 sqft
    2018-10-01 0 days 2,112 sqft
    2018-11-01 0 days 2,065 sqft
    2018-12-01 0 days 1,979 sqft
    2019-01-01 0 days 1,933 sqft
    2019-02-01 0 days 1,880 sqft
    2019-03-01 0 days 1,904 sqft
    2019-04-01 0 days 1,955 sqft
    2019-05-01 0 days 2,015 sqft
    2019-06-01 0 days 2,103 sqft
    2019-07-01 0 days 2,109 sqft
    2019-08-01 0 days 2,126 sqft
    2019-09-01 0 days 2,155 sqft
    2019-10-01 0 days 2,189 sqft
    2019-11-01 0 days 2,235 sqft
    2019-12-01 0 days 2,158 sqft
    2020-01-01 0 days 2,050 sqft
    2020-02-01 0 days 2,052 sqft
    2020-03-01 0 days 2,045 sqft
    2020-04-01 0 days 2,039 sqft
    2020-05-01 0 days 2,059 sqft
    2020-06-01 0 days 2,078 sqft
    2020-07-01 0 days 2,088 sqft
    2020-08-01 0 days 2,052 sqft
    2020-09-01 0 days 1,987 sqft
    2020-10-01 0 days 2,123 sqft
    2020-11-01 0 days 2,064 sqft
    2020-12-01 0 days 1,996 sqft
    2021-01-01 0 days 1,996 sqft
    2021-02-01 0 days 1,900 sqft
    2021-03-01 0 days 1,928 sqft
    2021-04-01 0 days 1,935 sqft
    2021-05-01 0 days 2,124 sqft
    2021-06-01 0 days 2,078 sqft
    2021-07-01 0 days 1,738 sqft
    2021-08-01 0 days 1,792 sqft
    2021-09-01 0 days 1,788 sqft
    2021-10-01 0 days 1,980 sqft
    2021-11-01 0 days 1,988 sqft
    2021-12-01 0 days 1,979 sqft
    2022-01-01 0 days 1,968 sqft
    2022-02-01 0 days 1,925 sqft
    2022-03-01 0 days 1,911 sqft
    2022-04-01 0 days 1,965 sqft
    2022-05-01 0 days 1,906 sqft
    2022-06-01 0 days 1,850 sqft
    2022-07-01 0 days 1,814 sqft
    2022-08-01 0 days 1,795 sqft
    2022-09-01 0 days 1,952 sqft
    2022-10-01 0 days 1,950 sqft
    2022-11-01 0 days 1,951 sqft
    2022-12-01 0 days 1,872 sqft
    2023-01-01 0 days 1,864 sqft
    2023-02-01 0 days 1,853 sqft
    2023-03-01 0 days 1,838 sqft
    2023-04-01 0 days 1,857 sqft
    2023-05-01 0 days 1,866 sqft
    2023-06-01 0 days 1,819 sqft
    2023-07-01 0 days 1,823 sqft
    2023-08-01 0 days 1,821 sqft
    2023-09-01 0 days 1,848 sqft
    2023-10-01 0 days 1,829 sqft
    2023-11-01 0 days 1,809 sqft
    2023-12-01 0 days 1,819 sqft
    2024-01-01 0 days 1,800 sqft
    2024-02-01 0 days 1,799 sqft
    2024-03-01 0 days 1,823 sqft
    2024-04-01 0 days 1,838 sqft
    2024-05-01 0 days 1,835 sqft
    2024-06-01 0 days 1,873 sqft
    2024-07-01 0 days 1,889 sqft
    2024-08-01 0 days 1,901 sqft
    2024-09-01 0 days 1,879 sqft
    2024-10-01 0 days 1,856 sqft
    2024-11-01 0 days 1,838 sqft
    2024-12-01 0 days 1,836 sqft
    2025-01-01 0 days 1,825 sqft
    2025-02-01 0 days 1,803 sqft
    2025-03-01 0 days 1,802 sqft
    2025-04-01 0 days 1,805 sqft
    2025-05-01 0 days 1,820 sqft
    2025-06-01 0 days 1,832 sqft
    Lufkin's median listing age (time on market) for 2025-06-01 was 0 days.

    Lufkin's median square footage for active listings during the 2025-06-01 period was 1,832 sqft. One year prior, the average listing was 1,873 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.