Riverside VA Loan Rates, Closing Costs & Stats
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA
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.
Riverside's 181 lenders originated 6,256 VA loans during 2024. The total origination value was $3,395,110,000, with an average VA loan value of $542,697.
Riverside VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Riverside
averaged
0.06%
for the week of 2025-07-04, compared to the national average (all VA variants) of
0% for the same period.
Riverside's average VA mortgage closing costs are $7,821.
The average rate for the prior week (2025-06-27) was
6.79% and
one month ago for the week of 2025-05-30, the
average rate was 6.62%.
The average rate one year ago was 6.83%.
For refis of the same type during the week of 2025-07-04, the average rate
was -0.14%.
Riverside 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 Riverside level.
The top Riverside VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
1,296 VA loans originated. Their average total fees are
$9,344, which is $504
higher than the next largest lender,
Mortgage Research Center, LLC.
The lowest fee Riverside VA lenders (with over 10 loans originated) are
FBC MORTGAGE, LLC ($3,031), JPMorgan Chase Bank ($3,645), PULTE MORTGAGE LLC ($4,651), HOMEAMERICAN MORTGAGE CORPORATION ($5,230) and NBKC BANK ($5,425).
The lowest rate Riverside VA lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION (5.18%), DHI MORTGAGE COMPANY, LTD. (5.20%), INSPIRE HOME LOANS INC. (5.27%), EAGLE HOME MORTGAGE, LLC (5.35%) and PULTE MORTGAGE LLC (5.51%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Riverside (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 | $389,900 (5.6%) | $590,187 (10.2%) | 1.45 | 12,231 |
| 2018-02-01 | $390,000 (5.4%) | $593,256 (8.9%) | 1.42 | 12,607 |
| 2018-03-01 | $399,000 (6.4%) | $599,774 (8.6%) | 1.40 | 12,739 |
| 2018-04-01 | $404,950 (6.9%) | $597,714 (7.8%) | 1.37 | 13,074 |
| 2018-05-01 | $406,389 (5.4%) | $591,178 (5.1%) | 1.36 | 13,709 |
| 2018-06-01 | $409,900 (6.5%) | $579,477 (4.6%) | 1.37 | 14,450 |
| 2018-07-01 | $408,500 (6.1%) | $550,209 (1.8%) | 1.36 | 15,060 |
| 2018-08-01 | $404,626 (6.5%) | $540,667 (1.4%) | 1.36 | 15,333 |
| 2018-09-01 | $400,000 (3.9%) | $531,263 (-1.2%) | 1.34 | 15,769 |
| 2018-10-01 | $399,900 (3.9%) | $538,719 (-1.2%) | 1.35 | 16,276 |
| 2018-11-01 | $399,000 (2.5%) | $546,742 (-2.8%) | 1.35 | 16,610 |
| 2018-12-01 | $399,000 (2.3%) | $555,081 (-4.3%) | 1.38 | 15,903 |
| 2019-01-01 | $399,000 (2.3%) | $564,064 (-4.4%) | 1.38 | 15,167 |
| 2019-02-01 | $399,950 (2.6%) | $573,515 (-3.3%) | 1.35 | 15,138 |
| 2019-03-01 | $406,867 (2.0%) | $577,991 (-3.6%) | 1.33 | 14,858 |
| 2019-04-01 | $410,345 (1.3%) | $580,814 (-2.8%) | 1.30 | 14,697 |
| 2019-05-01 | $418,400 (3.0%) | $580,224 (-1.9%) | 1.31 | 14,914 |
| 2019-06-01 | $419,900 (2.4%) | $571,178 (-1.4%) | 1.31 | 14,797 |
| 2019-07-01 | $419,000 (2.6%) | $555,074 (0.9%) | 1.31 | 14,817 |
| 2019-08-01 | $416,545 (3.0%) | $548,037 (1.4%) | 1.32 | 14,693 |
| 2019-09-01 | $412,864 (3.2%) | $543,047 (2.2%) | 1.32 | 14,474 |
| 2019-10-01 | $410,000 (2.5%) | $540,982 (0.4%) | 1.32 | 14,247 |
| 2019-11-01 | $409,500 (2.6%) | $549,833 (0.6%) | 1.34 | 13,954 |
| 2019-12-01 | $405,000 (1.5%) | $556,914 (0.3%) | 1.35 | 12,484 |
| 2020-01-01 | $407,000 (2.0%) | $568,546 (0.8%) | 1.36 | 11,564 |
| 2020-02-01 | $419,000 (4.8%) | $589,374 (2.8%) | 1.37 | 11,075 |
| 2020-03-01 | $424,950 (4.4%) | $598,575 (3.6%) | 1.33 | 10,596 |
| 2020-04-01 | $419,995 (2.4%) | $576,842 (-0.7%) | 1.32 | 11,066 |
| 2020-05-01 | $428,000 (2.3%) | $588,161 (1.4%) | 1.30 | 10,771 |
| 2020-06-01 | $439,450 (4.7%) | $612,143 (7.2%) | 1.29 | 8,989 |
| 2020-07-01 | $449,950 (7.4%) | $636,810 (14.7%) | 1.30 | 7,391 |
| 2020-08-01 | $459,999 (10.4%) | $653,800 (19.3%) | 1.32 | 6,698 |
| 2020-09-01 | $468,995 (13.6%) | $673,349 (24.0%) | 1.34 | 6,676 |
| 2020-10-01 | $469,999 (14.6%) | $731,648 (35.2%) | 1.35 | 6,753 |
| 2020-11-01 | $475,000 (16.0%) | $693,502 (26.1%) | 1.39 | 6,377 |
| 2020-12-01 | $478,947 (18.3%) | $708,484 (27.2%) | 1.42 | 5,506 |
| 2021-01-01 | $475,000 (16.7%) | $723,284 (27.2%) | 1.42 | 4,611 |
| 2021-02-01 | $482,400 (15.1%) | $726,412 (23.3%) | 1.40 | 3,907 |
| 2021-03-01 | $492,548 (15.9%) | $717,296 (19.8%) | 1.40 | 3,801 |
| 2021-04-01 | $499,900 (19.0%) | $719,305 (24.7%) | 1.35 | 4,032 |
| 2021-05-01 | $520,000 (21.5%) | $727,930 (23.8%) | 1.38 | 4,411 |
| 2021-06-01 | $526,922 (19.9%) | $725,541 (18.5%) | 1.39 | 4,791 |
| 2021-07-01 | $539,000 (19.8%) | $703,276 (10.4%) | 1.42 | 5,698 |
| 2021-08-01 | $539,900 (17.4%) | $694,395 (6.2%) | 1.44 | 6,119 |
| 2021-09-01 | $542,700 (15.7%) | $680,580 (1.1%) | 1.45 | 6,375 |
| 2021-10-01 | $549,000 (16.8%) | $685,667 (-6.3%) | 1.46 | 6,286 |
| 2021-11-01 | $549,700 (15.7%) | $702,543 (1.3%) | 1.47 | 5,754 |
| 2021-12-01 | $549,450 (14.7%) | $738,695 (4.3%) | 1.49 | 4,828 |
| 2022-01-01 | $545,000 (14.7%) | $742,770 (2.7%) | 1.47 | 4,073 |
| 2022-02-01 | $550,000 (14.0%) | $761,166 (4.8%) | 1.43 | 4,145 |
| 2022-03-01 | $573,500 (16.4%) | $777,977 (8.5%) | 1.44 | 4,390 |
| 2022-04-01 | $594,000 (18.8%) | $787,396 (9.5%) | 1.42 | 5,014 |
| 2022-05-01 | $599,000 (15.2%) | $784,521 (7.8%) | 1.37 | 6,826 |
| 2022-06-01 | $599,000 (13.7%) | $767,411 (5.8%) | 1.33 | 8,397 |
| 2022-07-01 | $596,000 (10.6%) | $732,940 (4.2%) | 1.34 | 10,517 |
| 2022-08-01 | $586,166 (8.6%) | $713,214 (2.7%) | 1.36 | 10,886 |
| 2022-09-01 | $579,900 (6.9%) | $704,231 (3.5%) | 1.36 | 11,006 |
| 2022-10-01 | $575,000 (4.7%) | $708,141 (3.3%) | 1.35 | 11,269 |
| 2022-11-01 | $569,000 (3.5%) | $727,251 (3.5%) | 1.37 | 11,193 |
| 2022-12-01 | $564,900 (2.8%) | $729,544 (-1.2%) | 1.39 | 10,044 |
| 2023-01-01 | $560,000 (2.8%) | $742,991 (0.0%) | 1.39 | 8,838 |
| 2023-02-01 | $559,900 (1.8%) | $758,784 (-0.3%) | 1.35 | 8,070 |
| 2023-03-01 | $559,495 (-2.4%) | $767,478 (-1.4%) | 1.32 | 7,510 |
| 2023-04-01 | $569,000 (-4.2%) | $798,012 (1.4%) | 1.32 | 6,786 |
| 2023-05-01 | $580,000 (-3.2%) | $813,209 (3.7%) | 1.32 | 6,739 |
| 2023-06-01 | $580,000 (-3.2%) | $801,327 (4.4%) | 1.30 | 6,878 |
| 2023-07-01 | $585,000 (-1.9%) | $788,260 (7.6%) | 1.33 | 7,306 |
| 2023-08-01 | $575,500 (-1.8%) | $768,714 (7.8%) | 1.32 | 7,614 |
| 2023-09-01 | $579,000 (-0.2%) | $765,590 (8.7%) | 1.35 | 7,856 |
| 2023-10-01 | $580,000 (0.9%) | $775,553 (9.5%) | 1.36 | 8,430 |
| 2023-11-01 | $584,725 (2.8%) | $789,849 (8.6%) | 1.39 | 8,772 |
| 2023-12-01 | $579,000 (2.5%) | $797,723 (9.4%) | 1.41 | 8,338 |
| 2024-01-01 | $585,000 (4.5%) | $818,043 (10.1%) | 1.43 | 7,799 |
| 2024-02-01 | $595,000 (6.3%) | $838,671 (10.5%) | 1.43 | 7,785 |
| 2024-03-01 | $599,000 (7.1%) | $844,562 (10.0%) | 1.41 | 8,073 |
| 2024-04-01 | $599,950 (5.4%) | $851,554 (6.7%) | 1.40 | 8,539 |
| 2024-05-01 | $617,750 (6.5%) | $853,824 (5.0%) | 1.41 | 9,290 |
| 2024-06-01 | $609,900 (5.2%) | $828,221 (3.4%) | 1.39 | 9,900 |
| 2024-07-01 | $599,999 (2.6%) | $802,491 (1.8%) | 1.37 | 10,290 |
| 2024-08-01 | $599,000 (4.1%) | $779,863 (1.5%) | 1.39 | 10,523 |
| 2024-09-01 | $599,000 (3.5%) | $764,641 (-0.1%) | 1.41 | 11,020 |
| 2024-10-01 | $599,000 (3.3%) | $785,591 (1.3%) | 1.41 | 11,592 |
| 2024-11-01 | $599,000 (2.4%) | $804,429 (1.9%) | 1.44 | 11,892 |
| 2024-12-01 | $597,000 (3.1%) | $808,707 (1.4%) | 1.48 | 11,076 |
| 2025-01-01 | $599,000 (2.4%) | $813,936 (-0.5%) | 1.50 | 10,847 |
| 2025-02-01 | $599,450 (0.8%) | $825,221 (-1.6%) | 1.46 | 11,461 |
| 2025-03-01 | $599,999 (0.2%) | $827,551 (-2.0%) | 1.41 | 12,125 |
| 2025-04-01 | $602,500 (0.4%) | $833,297 (-2.1%) | 1.40 | 13,014 |
| 2025-05-01 | $600,000 (-2.9%) | $818,529 (-4.1%) | 1.36 | 13,985 |
Riverside's median listing price comes in at 136% of the national average.
Riverside's average listing price for 2025-05-01 was $818,529, a difference of $-35,295 (-4.1%) versus the prior year and $-14,768 versus the prior month.
For the 2025-05-01 period, Riverside had 13,985 MLS listings, a difference of 971 listings (7%) versus the prior month and 4,695 listings (51%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Riverside (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 56 days | 1,991 sqft |
| 2018-02-01 | 43 days | 1,990 sqft |
| 2018-03-01 | 43 days | 2,014 sqft |
| 2018-04-01 | 43 days | 2,038 sqft |
| 2018-05-01 | 40 days | 2,040 sqft |
| 2018-06-01 | 41 days | 2,027 sqft |
| 2018-07-01 | 43 days | 2,011 sqft |
| 2018-08-01 | 45 days | 1,996 sqft |
| 2018-09-01 | 46 days | 1,976 sqft |
| 2018-10-01 | 46 days | 1,957 sqft |
| 2018-11-01 | 48 days | 1,945 sqft |
| 2018-12-01 | 58 days | 1,922 sqft |
| 2019-01-01 | 64 days | 1,932 sqft |
| 2019-02-01 | 54 days | 1,941 sqft |
| 2019-03-01 | 50 days | 1,957 sqft |
| 2019-04-01 | 51 days | 1,971 sqft |
| 2019-05-01 | 50 days | 1,988 sqft |
| 2019-06-01 | 52 days | 1,995 sqft |
| 2019-07-01 | 53 days | 1,995 sqft |
| 2019-08-01 | 53 days | 1,982 sqft |
| 2019-09-01 | 54 days | 1,965 sqft |
| 2019-10-01 | 55 days | 1,953 sqft |
| 2019-11-01 | 57 days | 1,950 sqft |
| 2019-12-01 | 66 days | 1,943 sqft |
| 2020-01-01 | 70 days | 1,952 sqft |
| 2020-02-01 | 62 days | 1,967 sqft |
| 2020-03-01 | 52 days | 1,973 sqft |
| 2020-04-01 | 58 days | 1,929 sqft |
| 2020-05-01 | 69 days | 1,950 sqft |
| 2020-06-01 | 68 days | 1,969 sqft |
| 2020-07-01 | 57 days | 1,996 sqft |
| 2020-08-01 | 47 days | 1,998 sqft |
| 2020-09-01 | 44 days | 1,980 sqft |
| 2020-10-01 | 44 days | 1,974 sqft |
| 2020-11-01 | 48 days | 1,965 sqft |
| 2020-12-01 | 57 days | 1,956 sqft |
| 2021-01-01 | 57 days | 1,917 sqft |
| 2021-02-01 | 43 days | 1,889 sqft |
| 2021-03-01 | 35 days | 1,906 sqft |
| 2021-04-01 | 33 days | 1,883 sqft |
| 2021-05-01 | 30 days | 1,883 sqft |
| 2021-06-01 | 31 days | 1,864 sqft |
| 2021-07-01 | 31 days | 1,867 sqft |
| 2021-08-01 | 33 days | 1,873 sqft |
| 2021-09-01 | 36 days | 1,872 sqft |
| 2021-10-01 | 36 days | 1,889 sqft |
| 2021-11-01 | 40 days | 1,899 sqft |
| 2021-12-01 | 45 days | 1,893 sqft |
| 2022-01-01 | 44 days | 1,867 sqft |
| 2022-02-01 | 31 days | 1,853 sqft |
| 2022-03-01 | 30 days | 1,854 sqft |
| 2022-04-01 | 28 days | 1,880 sqft |
| 2022-05-01 | 28 days | 1,894 sqft |
| 2022-06-01 | 32 days | 1,897 sqft |
| 2022-07-01 | 36 days | 1,872 sqft |
| 2022-08-01 | 44 days | 1,864 sqft |
| 2022-09-01 | 50 days | 1,860 sqft |
| 2022-10-01 | 53 days | 1,857 sqft |
| 2022-11-01 | 57 days | 1,849 sqft |
| 2022-12-01 | 66 days | 1,844 sqft |
| 2023-01-01 | 73 days | 1,850 sqft |
| 2023-02-01 | 65 days | 1,842 sqft |
| 2023-03-01 | 54 days | 1,823 sqft |
| 2023-04-01 | 51 days | 1,831 sqft |
| 2023-05-01 | 46 days | 1,843 sqft |
| 2023-06-01 | 44 days | 1,834 sqft |
| 2023-07-01 | 45 days | 1,836 sqft |
| 2023-08-01 | 47 days | 1,812 sqft |
| 2023-09-01 | 49 days | 1,800 sqft |
| 2023-10-01 | 49 days | 1,815 sqft |
| 2023-11-01 | 51 days | 1,829 sqft |
| 2023-12-01 | 59 days | 1,814 sqft |
| 2024-01-01 | 64 days | 1,808 sqft |
| 2024-02-01 | 51 days | 1,822 sqft |
| 2024-03-01 | 47 days | 1,824 sqft |
| 2024-04-01 | 45 days | 1,826 sqft |
| 2024-05-01 | 44 days | 1,824 sqft |
| 2024-06-01 | 47 days | 1,818 sqft |
| 2024-07-01 | 51 days | 1,814 sqft |
| 2024-08-01 | 53 days | 1,802 sqft |
| 2024-09-01 | 54 days | 1,797 sqft |
| 2024-10-01 | 54 days | 1,803 sqft |
| 2024-11-01 | 57 days | 1,811 sqft |
| 2024-12-01 | 66 days | 1,810 sqft |
| 2025-01-01 | 71 days | 1,804 sqft |
| 2025-02-01 | 60 days | 1,815 sqft |
| 2025-03-01 | 51 days | 1,814 sqft |
| 2025-04-01 | 52 days | 1,818 sqft |
| 2025-05-01 | 53 days | 1,826 sqft |
Riverside's median square footage for active listings during the 2025-05-01 period was 1,826 sqft. One year prior, the average listing was 1,824 sqft.