Madera VA Loan Rates, Closing Costs & Stats

MADERA, CA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Madera's 51 lenders originated 225 VA loans during 2024. The total origination value was $101,075,000, with an average VA loan value of $449,222.

    Madera VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Madera averaged 6.16% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Madera's average VA mortgage closing costs are $6,706.

    The average rate for the prior week (2025-03-28) was 6.38% and one month ago for the week of 2025-02-28, the average rate was 6.46%.

    The average rate one year ago was 6.46%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.26%.

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

    Madera 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 Madera level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 42 5.71% $7,597
    EAGLE HOME MORTGAGE, LLC 18 5.59% $5,318
    Century Mortgage Company DBA Century Lending Company 14 6.07% $9,341
    FREEDOM MORTGAGE CORPORATION 11 5.83% $8,657
    Mortgage Research Center, LLC 11 6.28% $9,008
    QUICKEN LOANS, LLC 11 5.96% $10,841
    Paramount Residential Mortgage Group, Inc. 9 6.17% $11,332
    PENNYMAC LOAN SERVICES, LLC 7 5.43% $11,018
    Golden Empire Mortgage, Inc. 7 6.54% $6,751
    NAVY FEDERAL CREDIT UNION 7 5.68% $7,917
    Sierra Pacific Mortgage Company, Inc. 6 6.42% $8,121
    VILLAGE CAPITAL MORTGAGE 6 5.38% $7,695
    CLM MORTGAGE, INC 4 6.09% $8,139
    CMG MORTGAGE, INC. 3 5.71% $12,715
    KBHS HOME LOANS, LLC 3 5.63% $5,813
    CROSSCOUNTRY MORTGAGE, LLC 3 5.75% $6,326
    ALTITUDE FINANCIAL CORPORATION 3 5.75% $2,430
    ALAMEDA MORTGAGE CORPORATION 3 6.17% $13,756
    INSPIRE HOME LOANS INC. 3 5.17% $2,605
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.19% $19,212
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 5.00% $15,222
    BROKER SOLUTIONS, INC. 2 5.88% $3,878
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.56% $11,612
    LEADERONE FINANCIAL CORPORATION 2 6.00% $11,505
    LOANDEPOT.COM, LLC 2 6.25% $13,338
    NEW DAY FINANCIAL, LLC 2 7.62% $8,550
    NEWREZ LLC 2 6.37% $8,435
    PLAZA HOME MORTGAGE, INC. 2 6.50% $5,636
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 7.06% $8,792
    The Federal Savings Bank 2 6.00% $14,977
    The Loan Store, Inc. 2 5.44% $14,614
    VERITAS FUNDING, LLC 1 5.75% $34,202
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.25% $10,021
    FIRST COMMUNITY MORTGAGE, INC. 1 5.75% $11,782
    DHI MORTGAGE COMPANY, LTD. 1 4.99% $3,922
    PENTAGON FEDERAL CREDIT UNION 1 5.50% $359
    PLANET HOME LENDING, LLC 1 6.38% $9,086
    AMERISAVE MORTGAGE CORPORATION 1 6.63% $26,989
    BAY-VALLEY MORTGAGE GROUP 1 6.25% $7,338
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.63% $11,007
    Barrington Bank & Trust Company, N.A. 1 6.25% $7,338
    U.S. Bank 1 5.75% $6,386
    S1L, Inc. 1 5.75% $12,082
    JMAC LENDING, INC. 1 5.88% $11,107
    LAKEVIEW LOAN SERVICING, LLC 1 5.25% $5,006
    AUGUSTA FINANCIAL, INC. 1 5.75% $18,146
    SUN WEST MORTGAGE COMPANY, INC. 1 5.88% $12,392
    GUARANTEED RATE, INC. 1 5.25% $2,405
    MOVEMENT MORTGAGE, LLC 1 6.75% $4,685
    Mr. Cooper ( Nationstar Mortgage ) 1 6.63% $4,343
    First Western Trust Bank 1 5.63% $7,710

    The top Madera VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 42 VA loans originated. Their average total fees are $7,597, which is $2,279 higher than the next largest lender, EAGLE HOME MORTGAGE, LLC.

    The lowest fee Madera VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($5,318), UNITED WHOLESALE MORTGAGE, LLC ($7,597), FREEDOM MORTGAGE CORPORATION ($8,657), Mortgage Research Center, LLC ($9,008) and Century Mortgage Company DBA Century Lending Company ($9,341).

    The lowest rate Madera VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.59%), UNITED WHOLESALE MORTGAGE, LLC (5.71%), FREEDOM MORTGAGE CORPORATION (5.83%), QUICKEN LOANS, LLC (5.96%) and Century Mortgage Company DBA Century Lending Company (6.07%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Madera (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 $318,875 (10.1%) $420,665 (12.0%) 0.00 430
    2018-02-01 $320,950 (8.1%) $418,739 (6.9%) 0.00 427
    2018-03-01 $320,000 (10.9%) $423,243 (7.1%) 0.00 444
    2018-04-01 $315,000 (5.0%) $416,949 (4.2%) 0.00 472
    2018-05-01 $317,625 (1.5%) $421,289 (2.3%) 0.00 486
    2018-06-01 $318,500 (3.0%) $424,081 (2.5%) 0.00 507
    2018-07-01 $313,750 (-0.4%) $418,158 (-2.7%) 0.00 536
    2018-08-01 $309,987 (-3.1%) $412,153 (-1.6%) 0.00 534
    2018-09-01 $310,000 (-4.6%) $411,807 (0.9%) 0.00 553
    2018-10-01 $313,700 (-2.0%) $397,961 (-1.5%) 0.00 565
    2018-11-01 $319,500 (-0.9%) $397,909 (-3.3%) 0.00 580
    2018-12-01 $325,000 (2.5%) $401,683 (-3.7%) 0.00 545
    2019-01-01 $328,725 (3.1%) $400,249 (-4.9%) 0.00 518
    2019-02-01 $325,000 (1.3%) $404,962 (-3.3%) 0.00 501
    2019-03-01 $328,253 (2.6%) $432,513 (2.2%) 0.00 497
    2019-04-01 $330,753 (5.0%) $418,604 (0.4%) 0.00 505
    2019-05-01 $334,850 (5.4%) $428,973 (1.8%) 0.00 500
    2019-06-01 $337,000 (5.8%) $449,398 (6.0%) 0.00 511
    2019-07-01 $337,000 (7.4%) $429,196 (2.6%) 0.00 525
    2019-08-01 $335,727 (8.3%) $423,177 (2.7%) 0.00 534
    2019-09-01 $335,318 (8.2%) $422,114 (2.5%) 0.00 541
    2019-10-01 $335,000 (6.8%) $423,003 (6.3%) 0.00 536
    2019-11-01 $335,000 (4.9%) $429,293 (7.9%) 0.00 498
    2019-12-01 $328,250 (1.0%) $423,193 (5.4%) 0.00 484
    2020-01-01 $339,000 (3.1%) $421,679 (5.4%) 0.00 429
    2020-02-01 $339,475 (4.5%) $427,322 (5.5%) 0.00 417
    2020-03-01 $347,000 (5.7%) $437,382 (1.1%) 0.00 445
    2020-04-01 $344,500 (4.2%) $426,196 (1.8%) 0.00 447
    2020-05-01 $349,500 (4.4%) $440,717 (2.7%) 0.00 425
    2020-06-01 $354,900 (5.3%) $457,063 (1.7%) 0.00 361
    2020-07-01 $366,950 (8.9%) $479,436 (11.7%) 0.00 316
    2020-08-01 $389,450 (16.0%) $499,025 (17.9%) 0.00 271
    2020-09-01 $394,500 (17.7%) $519,589 (23.1%) 0.00 270
    2020-10-01 $389,000 (16.1%) $531,369 (25.6%) 0.00 248
    2020-11-01 $397,450 (18.6%) $559,247 (30.3%) 0.00 251
    2020-12-01 $398,200 (21.3%) $566,183 (33.8%) 0.00 217
    2021-01-01 $399,950 (18.0%) $595,819 (41.3%) 0.00 190
    2021-02-01 $422,000 (24.3%) $631,820 (47.9%) 0.00 158
    2021-03-01 $441,375 (27.2%) $637,882 (45.8%) 0.00 163
    2021-04-01 $436,200 (26.6%) $614,454 (44.2%) 0.00 169
    2021-05-01 $455,000 (30.2%) $618,085 (40.3%) 0.00 180
    2021-06-01 $444,250 (25.2%) $608,396 (33.1%) 0.00 193
    2021-07-01 $428,000 (16.6%) $577,254 (20.4%) 0.00 231
    2021-08-01 $439,370 (12.8%) $576,758 (15.6%) 0.00 251
    2021-09-01 $441,950 (12.0%) $573,378 (10.4%) 0.00 281
    2021-10-01 $459,000 (18.0%) $614,898 (15.7%) 0.00 266
    2021-11-01 $471,978 (18.8%) $623,215 (11.4%) 0.00 260
    2021-12-01 $470,000 (18.0%) $654,131 (15.5%) 0.00 231
    2022-01-01 $490,000 (22.5%) $668,145 (12.1%) 0.00 194
    2022-02-01 $467,500 (10.8%) $655,066 (3.7%) 0.00 191
    2022-03-01 $487,000 (10.3%) $705,189 (10.6%) 0.00 192
    2022-04-01 $495,000 (13.5%) $726,862 (18.3%) 0.00 206
    2022-05-01 $508,675 (11.8%) $696,324 (12.7%) 0.00 243
    2022-06-01 $499,500 (12.4%) $652,583 (7.3%) 0.00 283
    2022-07-01 $494,494 (15.5%) $645,228 (11.8%) 0.00 352
    2022-08-01 $477,450 (8.7%) $612,210 (6.2%) 0.00 366
    2022-09-01 $491,000 (11.1%) $614,272 (7.1%) 0.00 373
    2022-10-01 $475,000 (3.5%) $595,593 (-3.1%) 0.00 422
    2022-11-01 $469,000 (-0.6%) $588,361 (-5.6%) 0.00 407
    2022-12-01 $469,700 (-0.1%) $589,643 (-9.9%) 0.00 367
    2023-01-01 $469,000 (-4.3%) $587,792 (-12.0%) 0.00 327
    2023-02-01 $472,250 (1.0%) $603,692 (-7.8%) 0.00 314
    2023-03-01 $465,875 (-4.3%) $588,436 (-16.6%) 0.00 297
    2023-04-01 $484,360 (-2.2%) $627,432 (-13.7%) 0.00 294
    2023-05-01 $485,504 (-4.6%) $628,017 (-9.8%) 0.00 324
    2023-06-01 $489,140 (-2.1%) $638,430 (-2.2%) 0.00 315
    2023-07-01 $501,053 (1.3%) $669,525 (3.8%) 0.00 300
    2023-08-01 $518,100 (8.5%) $684,599 (11.8%) 0.00 361
    2023-09-01 $499,000 (1.6%) $628,536 (2.3%) 0.00 387
    2023-10-01 $495,450 (4.3%) $626,982 (5.3%) 0.00 431
    2023-11-01 $482,437 (2.9%) $604,343 (2.7%) 0.00 492
    2023-12-01 $496,000 (5.6%) $612,790 (3.9%) 0.00 464
    2024-01-01 $491,174 (4.7%) $624,939 (6.3%) 0.00 408
    2024-02-01 $501,245 (6.1%) $650,564 (7.8%) 0.00 380
    2024-03-01 $499,990 (7.3%) $640,033 (8.8%) 0.00 343
    2024-04-01 $520,997 (7.6%) $664,262 (5.9%) 0.00 378
    2024-05-01 $521,945 (7.5%) $674,271 (7.4%) 0.00 397
    2024-06-01 $524,950 (7.3%) $674,441 (5.6%) 0.00 420
    2024-07-01 $519,002 (3.6%) $639,236 (-4.5%) 0.00 482
    2024-08-01 $514,900 (-0.6%) $645,037 (-5.8%) 0.00 493
    2024-09-01 $514,900 (3.2%) $649,268 (3.3%) 0.00 493
    2024-10-01 $505,000 (1.9%) $630,857 (0.6%) 0.00 489
    2024-11-01 $500,000 (3.6%) $622,977 (3.1%) 0.00 483
    2024-12-01 $500,499 (0.9%) $618,215 (0.9%) 0.00 455
    Madera's median listing price for 2024-12-01 was $500,499, a difference of $4,499 (0.9%) versus the prior year and $499 versus the prior month.

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

    Madera's average listing price for 2024-12-01 was $618,215, a difference of $5,425 (0.9%) versus the prior year and $-4,762 versus the prior month.

    For the 2024-12-01 period, Madera had 455 MLS listings, a difference of -28 listings (-6%) versus the prior month and -9 listings (-2%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Madera (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,990 sqft
    2018-02-01 0 days 1,930 sqft
    2018-03-01 0 days 2,000 sqft
    2018-04-01 0 days 1,961 sqft
    2018-05-01 0 days 1,979 sqft
    2018-06-01 0 days 1,951 sqft
    2018-07-01 0 days 1,925 sqft
    2018-08-01 0 days 1,947 sqft
    2018-09-01 0 days 1,929 sqft
    2018-10-01 0 days 1,908 sqft
    2018-11-01 0 days 1,919 sqft
    2018-12-01 0 days 1,920 sqft
    2019-01-01 0 days 1,944 sqft
    2019-02-01 0 days 1,950 sqft
    2019-03-01 0 days 1,925 sqft
    2019-04-01 0 days 1,925 sqft
    2019-05-01 0 days 1,952 sqft
    2019-06-01 0 days 1,975 sqft
    2019-07-01 0 days 1,952 sqft
    2019-08-01 0 days 1,953 sqft
    2019-09-01 0 days 1,953 sqft
    2019-10-01 0 days 1,952 sqft
    2019-11-01 0 days 1,952 sqft
    2019-12-01 0 days 1,900 sqft
    2020-01-01 0 days 1,917 sqft
    2020-02-01 0 days 1,952 sqft
    2020-03-01 0 days 1,956 sqft
    2020-04-01 0 days 1,960 sqft
    2020-05-01 0 days 1,990 sqft
    2020-06-01 0 days 2,040 sqft
    2020-07-01 0 days 2,021 sqft
    2020-08-01 0 days 2,100 sqft
    2020-09-01 0 days 2,112 sqft
    2020-10-01 0 days 2,024 sqft
    2020-11-01 0 days 2,065 sqft
    2020-12-01 0 days 2,016 sqft
    2021-01-01 0 days 2,079 sqft
    2021-02-01 0 days 2,073 sqft
    2021-03-01 0 days 2,144 sqft
    2021-04-01 0 days 2,022 sqft
    2021-05-01 0 days 2,040 sqft
    2021-06-01 0 days 1,940 sqft
    2021-07-01 0 days 1,909 sqft
    2021-08-01 0 days 1,941 sqft
    2021-09-01 0 days 2,011 sqft
    2021-10-01 0 days 2,034 sqft
    2021-11-01 0 days 2,067 sqft
    2021-12-01 0 days 2,045 sqft
    2022-01-01 0 days 2,098 sqft
    2022-02-01 0 days 2,075 sqft
    2022-03-01 0 days 1,996 sqft
    2022-04-01 0 days 2,026 sqft
    2022-05-01 0 days 2,011 sqft
    2022-06-01 0 days 2,024 sqft
    2022-07-01 0 days 1,997 sqft
    2022-08-01 0 days 1,940 sqft
    2022-09-01 0 days 1,986 sqft
    2022-10-01 0 days 1,955 sqft
    2022-11-01 0 days 1,959 sqft
    2022-12-01 0 days 1,937 sqft
    2023-01-01 0 days 1,904 sqft
    2023-02-01 0 days 1,981 sqft
    2023-03-01 0 days 1,958 sqft
    2023-04-01 0 days 2,023 sqft
    2023-05-01 0 days 1,970 sqft
    2023-06-01 0 days 1,974 sqft
    2023-07-01 0 days 2,020 sqft
    2023-08-01 0 days 2,064 sqft
    2023-09-01 0 days 2,071 sqft
    2023-10-01 0 days 2,041 sqft
    2023-11-01 0 days 2,008 sqft
    2023-12-01 0 days 2,009 sqft
    2024-01-01 0 days 1,998 sqft
    2024-02-01 0 days 2,037 sqft
    2024-03-01 0 days 2,067 sqft
    2024-04-01 0 days 2,055 sqft
    2024-05-01 0 days 2,034 sqft
    2024-06-01 0 days 2,040 sqft
    2024-07-01 0 days 2,003 sqft
    2024-08-01 0 days 2,004 sqft
    2024-09-01 0 days 2,009 sqft
    2024-10-01 0 days 1,992 sqft
    2024-11-01 0 days 2,000 sqft
    2024-12-01 0 days 1,955 sqft
    Madera's median listing age (time on market) for 2024-12-01 was 0 days.

    Madera's median square footage for active listings during the 2024-12-01 period was 1,955 sqft. One year prior, the average listing was 2,009 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.