Moberly VA Loan Rates, Closing Costs & Stats

Moberly, 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.

    Moberly's 19 lenders originated 35 VA loans during 2024. The total origination value was $7,455,000, with an average VA loan value of $213,000.

    Moberly VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Moberly averaged 6.48% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Moberly's average VA mortgage closing costs are $3,598.

    The average rate for the prior week (2025-03-28) was 6.7% and one month ago for the week of 2025-02-28, the average rate was 6.47%.

    The average rate one year ago was 6.78%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.16%.

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

    Moberly 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 Moberly level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 12 6.59% $3,322
    FLAT BRANCH MORTGAGE, INC. 2 6.63% $7,760
    PENNYMAC LOAN SERVICES, LLC 2 5.75% $6,836
    NAVY FEDERAL CREDIT UNION 2 5.88% $3,895
    GENEVA FINANCIAL, LLC 1 7.63% $11,385
    Midwest Mortgage Associates Corporation 1 6.00% $0
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 8.50% $340
    Mr. Cooper ( Nationstar Mortgage ) 1 6.75% $1,452
    NEW DAY FINANCIAL, LLC 1 7.99% $12,154
    NEWREZ LLC 1 6.13% $5,746
    PLANET HOME LENDING, LLC 1 5.50% $4,742
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $5,285
    QUICKEN LOANS, LLC 1 5.88% $9,742
    The Central Trust Bank 1 6.75% $4,375
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.50% $6,689
    VILLAGE CAPITAL MORTGAGE 1 5.25% $3,475
    Armed Forces Bank 1 6.00% $4,906
    EVERETT FINANCIAL, INC. 1 6.25% $5,818
    FREEDOM MORTGAGE CORPORATION 1 6.25% $764

    The top Moberly VA lender as defined by loan originations is Mortgage Research Center, LLC, with 12 VA loans originated. Their average total fees are $3,322, which is $4,438 lower than the next largest lender, FLAT BRANCH MORTGAGE, INC..

    The lowest fee Moberly VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($3,322), .

    The lowest rate Moberly VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.59%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Moberly (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 $94,775 (10.4%) $137,610 (18.9%) 0.00 73
    2018-02-01 $89,900 (0.1%) $131,964 (11.5%) 0.00 72
    2018-03-01 $111,270 (-2.4%) $147,347 (15.8%) 0.00 69
    2018-04-01 $119,900 (29.0%) $148,803 (13.3%) 0.00 60
    2018-05-01 $127,400 (43.6%) $149,121 (13.1%) 0.00 63
    2018-06-01 $124,950 (31.9%) $146,187 (7.9%) 0.00 67
    2018-07-01 $93,975 (-14.6%) $138,341 (-7.5%) 0.00 88
    2018-08-01 $98,175 (-12.7%) $139,619 (-6.7%) 0.00 88
    2018-09-01 $89,900 (-14.0%) $149,000 (4.7%) 0.00 95
    2018-10-01 $122,400 (30.7%) $158,049 (16.5%) 0.00 74
    2018-11-01 $129,800 (37.7%) $169,596 (21.6%) 0.00 65
    2018-12-01 $139,950 (53.4%) $182,775 (30.7%) 0.00 64
    2019-01-01 $136,700 (44.2%) $187,231 (36.1%) 0.00 53
    2019-02-01 $142,450 (58.5%) $197,933 (50.0%) 0.00 55
    2019-03-01 $150,757 (35.5%) $196,248 (33.2%) 0.00 59
    2019-04-01 $147,107 (22.7%) $190,040 (27.7%) 0.00 65
    2019-05-01 $143,875 (12.9%) $191,559 (28.5%) 0.00 73
    2019-06-01 $154,900 (24.0%) $189,011 (29.3%) 0.00 91
    2019-07-01 $142,500 (51.6%) $181,795 (31.4%) 0.00 94
    2019-08-01 $132,991 (35.5%) $162,225 (16.2%) 0.00 102
    2019-09-01 $130,127 (44.8%) $157,450 (5.7%) 0.00 109
    2019-10-01 $128,218 (4.8%) $154,266 (-2.4%) 0.00 111
    2019-11-01 $124,700 (-3.9%) $147,923 (-12.8%) 0.00 102
    2019-12-01 $124,900 (-10.8%) $152,500 (-16.6%) 0.00 99
    2020-01-01 $125,175 (-8.4%) $144,556 (-22.8%) 0.00 97
    2020-02-01 $122,450 (-14.0%) $143,594 (-27.5%) 0.00 94
    2020-03-01 $132,150 (-12.3%) $152,489 (-22.3%) 0.00 88
    2020-04-01 $133,425 (-9.3%) $154,325 (-18.8%) 0.00 85
    2020-05-01 $134,400 (-6.6%) $163,694 (-14.6%) 0.00 80
    2020-06-01 $138,075 (-10.9%) $171,004 (-9.5%) 0.00 69
    2020-07-01 $129,950 (-8.8%) $171,518 (-5.7%) 0.00 66
    2020-08-01 $125,000 (-6.0%) $144,742 (-10.8%) 0.00 60
    2020-09-01 $132,100 (1.5%) $152,153 (-3.4%) 0.00 63
    2020-10-01 $129,900 (1.3%) $156,821 (1.7%) 0.00 61
    2020-11-01 $119,000 (-4.6%) $137,951 (-6.7%) 0.00 68
    2020-12-01 $106,750 (-14.5%) $133,930 (-12.2%) 0.00 54
    2021-01-01 $104,500 (-16.5%) $135,597 (-6.2%) 0.00 45
    2021-02-01 $98,749 (-19.4%) $134,053 (-6.6%) 0.00 31
    2021-03-01 $152,500 (15.4%) $189,430 (24.2%) 0.00 31
    2021-04-01 $149,925 (12.4%) $179,094 (16.1%) 0.00 29
    2021-05-01 $124,950 (-7.0%) $172,239 (5.2%) 0.00 30
    2021-06-01 $166,875 (20.9%) $196,322 (14.8%) 0.00 45
    2021-07-01 $140,000 (7.7%) $188,902 (10.1%) 0.00 49
    2021-08-01 $156,175 (24.9%) $210,812 (45.7%) 0.00 43
    2021-09-01 $157,000 (18.9%) $191,455 (25.8%) 0.00 46
    2021-10-01 $144,750 (11.4%) $170,024 (8.4%) 0.00 48
    2021-11-01 $149,500 (25.6%) $164,442 (19.2%) 0.00 45
    2021-12-01 $129,900 (21.7%) $154,233 (15.2%) 0.00 45
    2022-01-01 $133,700 (27.9%) $155,262 (14.5%) 0.00 42
    2022-02-01 $131,250 (32.9%) $153,854 (14.8%) 0.00 26
    2022-03-01 $152,250 (-0.2%) $172,941 (-8.7%) 0.00 22
    2022-04-01 $149,450 (-0.3%) $182,528 (1.9%) 0.00 27
    2022-05-01 $169,975 (36.0%) $189,221 (9.9%) 0.00 29
    2022-06-01 $189,250 (13.4%) $649,743 (231.0%) 0.00 35
    2022-07-01 $182,450 (30.3%) $607,973 (221.9%) 0.00 34
    2022-08-01 $179,675 (15.1%) $594,099 (181.8%) 0.00 43
    2022-09-01 $172,725 (10.0%) $519,906 (171.6%) 0.00 62
    2022-10-01 $169,250 (16.9%) $498,616 (193.3%) 0.00 60
    2022-11-01 $161,175 (7.8%) $491,212 (198.7%) 0.00 60
    2022-12-01 $159,900 (23.1%) $569,270 (269.1%) 0.00 47
    2023-01-01 $168,450 (26.0%) $227,591 (46.6%) 0.00 42
    2023-02-01 $159,900 (21.8%) $197,542 (28.4%) 0.00 42
    2023-03-01 $156,075 (2.5%) $206,152 (19.2%) 0.00 38
    2023-04-01 $149,200 (-0.2%) $514,963 (182.1%) 0.00 40
    2023-05-01 $171,250 (0.8%) $426,879 (125.6%) 0.00 46
    2023-06-01 $169,125 (-10.6%) $447,715 (-31.1%) 0.00 37
    2023-07-01 $179,000 (-1.9%) $414,746 (-31.8%) 0.00 50
    2023-08-01 $179,500 (-0.1%) $412,159 (-30.6%) 0.00 53
    2023-09-01 $180,000 (4.2%) $239,890 (-53.9%) 0.00 49
    2023-10-01 $169,900 (0.4%) $217,091 (-56.5%) 0.00 61
    2023-11-01 $186,425 (15.7%) $237,290 (-51.7%) 0.00 64
    2023-12-01 $189,000 (18.2%) $238,118 (-58.2%) 0.00 64
    2024-01-01 $175,725 (4.3%) $215,328 (-5.4%) 0.00 69
    2024-02-01 $126,250 (-21.0%) $175,972 (-10.9%) 0.00 79
    2024-03-01 $124,700 (-20.1%) $178,693 (-13.3%) 0.00 73
    2024-04-01 $150,100 (0.6%) $182,216 (-64.6%) 0.00 84
    2024-05-01 $139,625 (-18.5%) $184,775 (-56.7%) 0.00 89
    2024-06-01 $169,900 (0.5%) $206,945 (-53.8%) 0.00 94
    2024-07-01 $184,300 (3.0%) $223,519 (-46.1%) 0.00 89
    2024-08-01 $244,950 (36.5%) $253,167 (-38.6%) 0.00 77
    2024-09-01 $243,250 (35.1%) $249,949 (4.2%) 0.00 80
    2024-10-01 $236,125 (39.0%) $250,142 (15.2%) 0.00 91
    2024-11-01 $250,000 (34.1%) $261,887 (10.4%) 0.00 84
    2024-12-01 $236,225 (25.0%) $253,263 (6.4%) 0.00 82
    2025-01-01 $212,500 (20.9%) $240,398 (11.6%) 0.00 81
    2025-02-01 $207,500 (64.4%) $232,166 (31.9%) 0.00 79
    2025-03-01 $225,000 (80.4%) $235,133 (31.6%) 0.00 69
    Moberly's median listing price for 2025-03-01 was $225,000, a difference of $100,300 (80.4%) versus the prior year and $17,500 versus the prior month.

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

    Moberly's average listing price for 2025-03-01 was $235,133, a difference of $56,440 (31.6%) versus the prior year and $2,967 versus the prior month.

    For the 2025-03-01 period, Moberly had 69 MLS listings, a difference of -10 listings (-13%) versus the prior month and -4 listings (-5%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Moberly (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,563 sqft
    2018-02-01 0 days 1,540 sqft
    2018-03-01 0 days 1,650 sqft
    2018-04-01 0 days 1,629 sqft
    2018-05-01 0 days 1,636 sqft
    2018-06-01 0 days 1,715 sqft
    2018-07-01 0 days 1,472 sqft
    2018-08-01 0 days 1,487 sqft
    2018-09-01 0 days 1,610 sqft
    2018-10-01 0 days 1,584 sqft
    2018-11-01 0 days 1,598 sqft
    2018-12-01 0 days 1,632 sqft
    2019-01-01 0 days 1,626 sqft
    2019-02-01 0 days 1,599 sqft
    2019-03-01 0 days 1,601 sqft
    2019-04-01 0 days 1,636 sqft
    2019-05-01 0 days 1,850 sqft
    2019-06-01 0 days 1,868 sqft
    2019-07-01 0 days 1,739 sqft
    2019-08-01 0 days 1,609 sqft
    2019-09-01 0 days 1,565 sqft
    2019-10-01 0 days 1,550 sqft
    2019-11-01 0 days 1,536 sqft
    2019-12-01 0 days 1,536 sqft
    2020-01-01 0 days 1,533 sqft
    2020-02-01 0 days 1,624 sqft
    2020-03-01 0 days 1,684 sqft
    2020-04-01 0 days 1,685 sqft
    2020-05-01 0 days 1,688 sqft
    2020-06-01 0 days 1,684 sqft
    2020-07-01 0 days 1,724 sqft
    2020-08-01 0 days 1,680 sqft
    2020-09-01 0 days 1,665 sqft
    2020-10-01 0 days 1,680 sqft
    2020-11-01 0 days 1,608 sqft
    2020-12-01 0 days 1,586 sqft
    2021-01-01 0 days 1,592 sqft
    2021-02-01 0 days 1,764 sqft
    2021-03-01 0 days 1,475 sqft
    2021-04-01 0 days 1,555 sqft
    2021-05-01 0 days 1,422 sqft
    2021-06-01 0 days 1,650 sqft
    2021-07-01 0 days 1,656 sqft
    2021-08-01 0 days 1,638 sqft
    2021-09-01 0 days 1,456 sqft
    2021-10-01 0 days 1,527 sqft
    2021-11-01 0 days 1,531 sqft
    2021-12-01 0 days 1,533 sqft
    2022-01-01 0 days 1,491 sqft
    2022-02-01 0 days 1,364 sqft
    2022-03-01 0 days 1,589 sqft
    2022-04-01 0 days 1,354 sqft
    2022-05-01 0 days 1,473 sqft
    2022-06-01 0 days 1,611 sqft
    2022-07-01 0 days 1,598 sqft
    2022-08-01 0 days 1,619 sqft
    2022-09-01 0 days 1,602 sqft
    2022-10-01 0 days 1,488 sqft
    2022-11-01 0 days 1,602 sqft
    2022-12-01 0 days 1,598 sqft
    2023-01-01 0 days 1,598 sqft
    2023-02-01 0 days 1,619 sqft
    2023-03-01 0 days 1,656 sqft
    2023-04-01 0 days 1,651 sqft
    2023-05-01 0 days 1,607 sqft
    2023-06-01 0 days 1,769 sqft
    2023-07-01 0 days 1,792 sqft
    2023-08-01 0 days 1,687 sqft
    2023-09-01 0 days 1,727 sqft
    2023-10-01 0 days 1,531 sqft
    2023-11-01 0 days 1,592 sqft
    2023-12-01 0 days 1,642 sqft
    2024-01-01 0 days 1,618 sqft
    2024-02-01 0 days 1,344 sqft
    2024-03-01 0 days 1,271 sqft
    2024-04-01 0 days 1,333 sqft
    2024-05-01 0 days 1,386 sqft
    2024-06-01 0 days 1,452 sqft
    2024-07-01 0 days 1,538 sqft
    2024-08-01 0 days 1,762 sqft
    2024-09-01 0 days 1,642 sqft
    2024-10-01 0 days 1,578 sqft
    2024-11-01 0 days 1,632 sqft
    2024-12-01 0 days 1,609 sqft
    2025-01-01 0 days 1,578 sqft
    2025-02-01 0 days 1,583 sqft
    2025-03-01 0 days 1,624 sqft
    Moberly's median listing age (time on market) for 2025-03-01 was 0 days.

    Moberly's median square footage for active listings during the 2025-03-01 period was 1,624 sqft. One year prior, the average listing was 1,271 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.