Port Angeles VA Loan Rates, Closing Costs & Stats

Port Angeles, WA

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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.

    Port Angeles's 42 lenders originated 147 VA loans during 2024. The total origination value was $67,145,000, with an average VA loan value of $456,769.

    Port Angeles VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Port Angeles averaged 6.61% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Port Angeles's average VA mortgage closing costs are $7,365.

    The average rate for the prior week (2025-03-28) was 6.93% and one month ago for the week of 2025-02-28, the average rate was 6.7%.

    The average rate one year ago was 6.71%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.83%.

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

    Port Angeles 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 Port Angeles level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    CROSSCOUNTRY MORTGAGE, LLC 17 6.09% $6,774
    UNITED WHOLESALE MORTGAGE, LLC 17 6.09% $11,690
    Mortgage Research Center, LLC 10 6.10% $8,407
    QUICKEN LOANS, LLC 10 5.76% $14,889
    NAVY FEDERAL CREDIT UNION 8 5.73% $8,755
    NEWREZ LLC 8 6.09% $11,288
    USAA Federal Savings Bank 7 5.80% $12,631
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 6 6.62% $13,534
    FREEDOM MORTGAGE CORPORATION 6 5.83% $5,136
    PENNYMAC LOAN SERVICES, LLC 5 5.47% $8,130
    NEW DAY FINANCIAL, LLC 4 7.37% $10,019
    CARDINAL FINANCIAL 3 6.66% $19,329
    AMERICAN FINANCIAL NETWORK, INC. 3 6.46% $1,692
    Flagstar Bank, FSB 3 6.42% $10,880
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 5.81% $11,918
    GUILD MORTGAGE COMPANY 2 6.06% $26,381
    VILLAGE CAPITAL MORTGAGE 2 5.37% $9,561
    Equity Prime Mortgage LLC 2 6.81% $11,657
    NBKC BANK 1 5.00% $11,355
    Paramount Residential Mortgage Group, Inc. 1 7.13% $4,841
    PNC Bank 1 6.50% $4,242
    Presidential Bank, FSB 1 6.63% $17,768
    The Federal Savings Bank 1 6.75% $24,646
    Wallick & Volk, Inc. 1 7.25% $11,074
    Mr. Cooper ( Nationstar Mortgage ) 1 5.75% $17,221
    American Mortgage & Equity Consultants, Inc. 1 6.75% $11,987
    Barrington Bank & Trust Company, N.A. 1 7.25% $11,344
    BROKER SOLUTIONS, INC. 1 5.75% $24,364
    CANOPY MORTGAGE, LLC 1 6.13% $14,970
    Carrington Mortgage Services, LLC 1 5.63% $7,976
    DAS Acquisition Company, LLC 1 5.75% $9,852
    EVERETT FINANCIAL, INC. 1 6.63% $21,433
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.75% $11,150
    GENEVA FINANCIAL, LLC 1 6.00% $22,103
    HOMESIDE FINANCIAL, LLC 1 6.25% $4,964
    LAKEVIEW LOAN SERVICING, LLC 1 5.63% $2,100
    LOANDEPOT.COM, LLC 1 5.50% $10,227
    MLD MORTGAGE INC. 1 5.50% $8,848
    MORTGAGEONE, INC. 1 7.50% $9,688
    MOVEMENT MORTGAGE, LLC 1 7.00% $3,400
    Alaska USA Federal Credit Union 1 5.63% $2,240
    Nations Lending Corporation 1 6.13% $10,985

    The top Port Angeles VA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 17 VA loans originated. Their average total fees are $6,774, which is $4,916 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Port Angeles VA lenders (with over 10 loans originated) are CROSSCOUNTRY MORTGAGE, LLC ($6,774), Mortgage Research Center, LLC ($8,407), UNITED WHOLESALE MORTGAGE, LLC ($11,690), QUICKEN LOANS, LLC ($14,889) and .

    The lowest rate Port Angeles VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (5.76%), CROSSCOUNTRY MORTGAGE, LLC (6.09%), UNITED WHOLESALE MORTGAGE, LLC (6.09%), Mortgage Research Center, LLC (6.10%) and .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Port Angeles (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 $315,200 (5.3%) $369,970 (-3.2%) 0.00 280
    2018-02-01 $322,125 (4.8%) $369,366 (-4.4%) 0.00 269
    2018-03-01 $349,000 (14.8%) $414,947 (9.8%) 0.00 172
    2018-04-01 $380,000 (23.0%) $440,015 (13.4%) 0.00 182
    2018-05-01 $394,975 (19.8%) $468,100 (16.2%) 0.00 199
    2018-06-01 $409,000 (25.1%) $485,857 (21.1%) 0.00 225
    2018-07-01 $397,000 (22.2%) $472,866 (19.9%) 0.00 265
    2018-08-01 $390,988 (26.1%) $463,909 (18.1%) 0.00 302
    2018-09-01 $379,000 (21.8%) $452,560 (14.5%) 0.00 320
    2018-10-01 $383,250 (26.0%) $441,607 (14.7%) 0.00 315
    2018-11-01 $383,725 (28.3%) $447,232 (18.9%) 0.00 292
    2018-12-01 $385,000 (24.2%) $442,038 (16.2%) 0.00 270
    2019-01-01 $389,250 (23.5%) $440,379 (19.0%) 0.00 230
    2019-02-01 $385,000 (19.5%) $453,587 (22.8%) 0.00 209
    2019-03-01 $399,396 (14.4%) $463,944 (11.8%) 0.00 221
    2019-04-01 $412,463 (8.5%) $476,553 (8.3%) 0.00 240
    2019-05-01 $422,213 (6.9%) $478,664 (2.3%) 0.00 266
    2019-06-01 $429,000 (4.9%) $485,197 (-0.1%) 0.00 286
    2019-07-01 $429,000 (8.1%) $489,427 (3.5%) 0.00 304
    2019-08-01 $427,909 (9.4%) $488,130 (5.2%) 0.00 307
    2019-09-01 $426,273 (12.5%) $485,717 (7.3%) 0.00 306
    2019-10-01 $419,125 (9.4%) $484,221 (9.7%) 0.00 306
    2019-11-01 $429,000 (11.8%) $497,985 (11.4%) 0.00 257
    2019-12-01 $429,725 (11.6%) $512,109 (15.9%) 0.00 208
    2020-01-01 $424,975 (9.2%) $502,459 (14.1%) 0.00 195
    2020-02-01 $416,000 (8.1%) $490,254 (8.1%) 0.00 181
    2020-03-01 $408,988 (2.4%) $491,981 (6.0%) 0.00 199
    2020-04-01 $403,250 (-2.2%) $490,474 (2.9%) 0.00 220
    2020-05-01 $425,000 (0.7%) $511,641 (6.9%) 0.00 210
    2020-06-01 $449,125 (4.7%) $532,420 (9.7%) 0.00 209
    2020-07-01 $435,925 (1.6%) $536,194 (9.6%) 0.00 206
    2020-08-01 $425,000 (-0.7%) $533,210 (9.2%) 0.00 212
    2020-09-01 $421,450 (-1.1%) $606,266 (24.8%) 0.00 187
    2020-10-01 $410,000 (-2.2%) $617,920 (27.6%) 0.00 155
    2020-11-01 $426,000 (-0.7%) $609,604 (22.4%) 0.00 111
    2020-12-01 $404,500 (-5.9%) $622,226 (21.5%) 0.00 79
    2021-01-01 $409,450 (-3.7%) $615,114 (22.4%) 0.00 68
    2021-02-01 $430,963 (3.6%) $603,455 (23.1%) 0.00 60
    2021-03-01 $472,750 (15.6%) $601,176 (22.2%) 0.00 58
    2021-04-01 $504,700 (25.2%) $609,791 (24.3%) 0.00 60
    2021-05-01 $499,950 (17.6%) $601,001 (17.5%) 0.00 67
    2021-06-01 $513,750 (14.4%) $616,855 (15.9%) 0.00 102
    2021-07-01 $498,450 (14.3%) $619,392 (15.5%) 0.00 123
    2021-08-01 $518,250 (21.9%) $649,460 (21.8%) 0.00 135
    2021-09-01 $562,475 (33.5%) $664,671 (9.6%) 0.00 138
    2021-10-01 $575,000 (40.2%) $668,235 (8.1%) 0.00 120
    2021-11-01 $547,175 (28.4%) $689,411 (13.1%) 0.00 92
    2021-12-01 $604,625 (49.5%) $735,241 (18.2%) 0.00 73
    2022-01-01 $624,900 (52.6%) $732,012 (19.0%) 0.00 60
    2022-02-01 $617,438 (43.3%) $739,861 (22.6%) 0.00 76
    2022-03-01 $589,375 (24.7%) $759,892 (26.4%) 0.00 77
    2022-04-01 $615,000 (21.9%) $768,247 (26.0%) 0.00 85
    2022-05-01 $610,975 (22.2%) $752,479 (25.2%) 0.00 122
    2022-06-01 $624,500 (21.6%) $763,570 (23.8%) 0.00 148
    2022-07-01 $599,000 (20.2%) $723,087 (16.7%) 0.00 194
    2022-08-01 $599,000 (15.6%) $691,111 (6.4%) 0.00 206
    2022-09-01 $593,500 (5.5%) $680,958 (2.5%) 0.00 207
    2022-10-01 $599,000 (4.2%) $678,240 (1.5%) 0.00 212
    2022-11-01 $575,000 (5.1%) $665,759 (-3.4%) 0.00 196
    2022-12-01 $575,000 (-4.9%) $690,233 (-6.1%) 0.00 166
    2023-01-01 $581,500 (-7.0%) $703,694 (-3.9%) 0.00 147
    2023-02-01 $597,675 (-3.2%) $714,432 (-3.4%) 0.00 128
    2023-03-01 $570,500 (-3.2%) $696,843 (-8.3%) 0.00 112
    2023-04-01 $599,000 (-2.6%) $725,870 (-5.5%) 0.00 128
    2023-05-01 $627,475 (2.7%) $752,419 (0.0%) 0.00 151
    2023-06-01 $645,963 (3.4%) $778,132 (1.9%) 0.00 167
    2023-07-01 $649,975 (8.5%) $787,342 (8.9%) 0.00 178
    2023-08-01 $649,713 (8.5%) $797,624 (15.4%) 0.00 172
    2023-09-01 $635,000 (7.0%) $776,942 (14.1%) 0.00 190
    2023-10-01 $629,750 (5.1%) $774,229 (14.2%) 0.00 182
    2023-11-01 $613,750 (6.7%) $767,810 (15.3%) 0.00 173
    2023-12-01 $585,000 (1.7%) $737,733 (6.9%) 0.00 162
    2024-01-01 $598,963 (3.0%) $762,766 (8.4%) 0.00 139
    2024-02-01 $586,988 (-1.8%) $728,330 (2.0%) 0.00 127
    2024-03-01 $596,500 (4.6%) $719,621 (3.3%) 0.00 125
    2024-04-01 $635,000 (6.0%) $779,497 (7.4%) 0.00 145
    2024-05-01 $661,625 (5.4%) $785,047 (4.3%) 0.00 183
    2024-06-01 $655,000 (1.4%) $777,406 (-0.1%) 0.00 218
    2024-07-01 $699,000 (7.5%) $786,894 (-0.1%) 0.00 229
    2024-08-01 $680,000 (4.7%) $779,953 (-2.2%) 0.00 247
    2024-09-01 $658,750 (3.7%) $781,793 (0.6%) 0.00 250
    2024-10-01 $639,500 (1.6%) $746,909 (-3.5%) 0.00 233
    2024-11-01 $621,725 (1.3%) $733,475 (-4.5%) 0.00 215
    2024-12-01 $574,450 (-1.8%) $726,203 (-1.6%) 0.00 173
    2025-01-01 $550,000 (-8.2%) $715,335 (-6.2%) 0.00 163
    2025-02-01 $550,000 (-6.3%) $716,119 (-1.7%) 0.00 158
    2025-03-01 $599,000 (0.4%) $747,324 (3.9%) 0.00 163
    Port Angeles's median listing price for 2025-03-01 was $599,000, a difference of $2,500 (0.4%) versus the prior year and $49,000 versus the prior month.

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

    Port Angeles's average listing price for 2025-03-01 was $747,324, a difference of $27,703 (3.9%) versus the prior year and $31,205 versus the prior month.

    For the 2025-03-01 period, Port Angeles had 163 MLS listings, a difference of 5 listings (3%) versus the prior month and 38 listings (30%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Port Angeles (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,800 sqft
    2018-02-01 0 days 1,809 sqft
    2018-03-01 0 days 1,923 sqft
    2018-04-01 0 days 2,018 sqft
    2018-05-01 0 days 1,957 sqft
    2018-06-01 0 days 1,994 sqft
    2018-07-01 0 days 2,018 sqft
    2018-08-01 0 days 1,983 sqft
    2018-09-01 0 days 1,960 sqft
    2018-10-01 0 days 1,938 sqft
    2018-11-01 0 days 1,971 sqft
    2018-12-01 0 days 1,968 sqft
    2019-01-01 0 days 1,974 sqft
    2019-02-01 0 days 1,963 sqft
    2019-03-01 0 days 1,973 sqft
    2019-04-01 0 days 1,963 sqft
    2019-05-01 0 days 1,972 sqft
    2019-06-01 0 days 1,988 sqft
    2019-07-01 0 days 2,011 sqft
    2019-08-01 0 days 2,003 sqft
    2019-09-01 0 days 1,995 sqft
    2019-10-01 0 days 2,010 sqft
    2019-11-01 0 days 2,038 sqft
    2019-12-01 0 days 2,048 sqft
    2020-01-01 0 days 2,049 sqft
    2020-02-01 0 days 2,042 sqft
    2020-03-01 0 days 1,955 sqft
    2020-04-01 0 days 1,956 sqft
    2020-05-01 0 days 2,001 sqft
    2020-06-01 0 days 2,041 sqft
    2020-07-01 0 days 2,033 sqft
    2020-08-01 0 days 2,002 sqft
    2020-09-01 0 days 1,952 sqft
    2020-10-01 0 days 1,952 sqft
    2020-11-01 0 days 1,855 sqft
    2020-12-01 0 days 1,792 sqft
    2021-01-01 0 days 1,710 sqft
    2021-02-01 0 days 1,721 sqft
    2021-03-01 0 days 1,749 sqft
    2021-04-01 0 days 1,924 sqft
    2021-05-01 0 days 2,059 sqft
    2021-06-01 0 days 1,917 sqft
    2021-07-01 0 days 1,884 sqft
    2021-08-01 0 days 1,913 sqft
    2021-09-01 0 days 2,008 sqft
    2021-10-01 0 days 1,963 sqft
    2021-11-01 0 days 1,975 sqft
    2021-12-01 0 days 2,031 sqft
    2022-01-01 0 days 1,988 sqft
    2022-02-01 0 days 1,971 sqft
    2022-03-01 0 days 1,884 sqft
    2022-04-01 0 days 1,993 sqft
    2022-05-01 0 days 2,023 sqft
    2022-06-01 0 days 2,038 sqft
    2022-07-01 0 days 1,993 sqft
    2022-08-01 0 days 1,948 sqft
    2022-09-01 0 days 1,895 sqft
    2022-10-01 0 days 1,916 sqft
    2022-11-01 0 days 1,885 sqft
    2022-12-01 0 days 1,928 sqft
    2023-01-01 0 days 1,986 sqft
    2023-02-01 0 days 1,997 sqft
    2023-03-01 0 days 1,889 sqft
    2023-04-01 0 days 1,932 sqft
    2023-05-01 0 days 2,039 sqft
    2023-06-01 0 days 2,078 sqft
    2023-07-01 0 days 2,096 sqft
    2023-08-01 0 days 2,127 sqft
    2023-09-01 0 days 2,163 sqft
    2023-10-01 0 days 2,169 sqft
    2023-11-01 0 days 2,143 sqft
    2023-12-01 0 days 2,129 sqft
    2024-01-01 0 days 2,132 sqft
    2024-02-01 0 days 2,076 sqft
    2024-03-01 0 days 2,000 sqft
    2024-04-01 0 days 2,148 sqft
    2024-05-01 0 days 2,153 sqft
    2024-06-01 0 days 2,160 sqft
    2024-07-01 0 days 2,180 sqft
    2024-08-01 0 days 2,136 sqft
    2024-09-01 0 days 2,146 sqft
    2024-10-01 0 days 2,170 sqft
    2024-11-01 0 days 2,109 sqft
    2024-12-01 0 days 1,947 sqft
    2025-01-01 0 days 1,896 sqft
    2025-02-01 0 days 1,879 sqft
    2025-03-01 0 days 1,951 sqft
    Port Angeles's median listing age (time on market) for 2025-03-01 was 0 days.

    Port Angeles's median square footage for active listings during the 2025-03-01 period was 1,951 sqft. One year prior, the average listing was 2,000 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.