Roseburg VA Loan Rates, Closing Costs & Stats

Roseburg, OR

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.

Roseburg's 53 lenders originated 218 VA loans during 2023. The total origination value was $71,630,000, with an average VA loan value of $328,578.

Roseburg VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Roseburg averaged 0.38% for the week of 2024-11-29, compared to the national average (all VA variants) of 0% for the same period.

Roseburg's average VA mortgage closing costs are $5,817.

The average rate for the prior week (2024-11-22) was 6.65% and one month ago for the week of 2024-10-25, the average rate was 6.55%.

The average rate one year ago was 6.89%.

For refis of the same type during the week of 2024-11-29, the average rate was -0.1%.

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

Roseburg 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 Roseburg level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 28 6.33% $7,414
Mortgage Research Center, LLC 22 6.80% $4,783
NEWREZ LLC 13 6.40% $9,610
QUICKEN LOANS, LLC 13 6.10% $11,823
GoPrime Mortgage, Inc. 11 6.83% $11,477
LOANDEPOT.COM, LLC 10 6.25% $13,744
CROSSCOUNTRY MORTGAGE, LLC 8 6.66% $6,970
ROGUE 7 6.63% $8,158
SUMMIT FUNDING, INC. 7 6.66% $3,663
FREEDOM MORTGAGE CORPORATION 6 6.29% $12,881
Century Mortgage Company DBA Century Lending Company 6 6.39% $12,459
Umpqua Bank 4 7.09% $7,196
Magnolia Bank 4 6.06% $20,254
The Federal Savings Bank 4 6.19% $16,153
Golden Empire Mortgage, Inc. 4 6.84% $5,078
PENNYMAC LOAN SERVICES, LLC 3 5.62% $16,604
NEW DAY FINANCIAL, LLC 3 7.24% $13,114
Mr. Cooper ( Nationstar Mortgage ) 3 6.04% $9,872
USAA Federal Savings Bank 3 6.04% $8,080
NAVY FEDERAL CREDIT UNION 3 6.17% $8,049
GUILD MORTGAGE COMPANY 3 6.67% $13,319
PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.75% $10,067
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.25% $6,228
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 6.13% $10,998
TWINSTAR 2 7.06% $6,340
VILLAGE CAPITAL MORTGAGE 2 6.07% $8,395
Nations Lending Corporation 2 6.69% $13,974
Willamette Valley Bank 1 6.63% $0
AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.00% $12,635
AMERISAVE MORTGAGE CORPORATION 1 6.25% $757
Barrington Bank & Trust Company, N.A. 1 6.75% $11,046
BELEM SERVICING LLC 1 6.63% $15,041
BROKER SOLUTIONS, INC. 1 7.63% $8,220
CANOPY MORTGAGE, LLC 1 7.38% $8,624
CMG MORTGAGE, INC. 1 4.99% $18,230
DIRECTORS MORTGAGE, INC. 1 6.63% $7,741
Equity Prime Mortgage LLC 1 5.88% $16,500
Flagstar Bank, FSB 1 6.75% $11,287
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $0
MOVEMENT MORTGAGE, LLC 1 6.25% $9,952
NATIONS DIRECT MORTGAGE, LLC 1 6.75% $2,854
NETWORK CAPITAL FUNDING CORPORATION 1 5.13% $9,838
Paramount Residential Mortgage Group, Inc. 1 6.63% $3,761
PLANET HOME LENDING, LLC 1 5.88% $9,323
PREMIA MORTGAGE, LLC 1 5.75% $9,382
RELIANCE FIRST CAPITAL, LLC 1 6.00% $6,956
RESIDENTIAL BANCORP 1 6.25% $6,016
S1L, Inc. 1 6.25% $31,033
Sierra Pacific Mortgage Company, Inc. 1 5.50% $6,569
SOVEREIGN LENDING GROUP INCORPORATED 1 5.25% $15,402
SUN WEST MORTGAGE COMPANY, INC. 1 6.88% $6,845
VERITAS FUNDING, LLC 1 6.25% $30,754
AMERICAN FINANCIAL NETWORK, INC. 1 5.50% $14,483

The top Roseburg VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 28 VA loans originated. Their average total fees are $7,414, which is $2,631 higher than the next largest lender, Mortgage Research Center, LLC.

The lowest fee Roseburg VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,783), UNITED WHOLESALE MORTGAGE, LLC ($7,414), NEWREZ LLC ($9,610), GoPrime Mortgage, Inc. ($11,477) and QUICKEN LOANS, LLC ($11,823).

The lowest rate Roseburg VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.10%), LOANDEPOT.COM, LLC (6.25%), UNITED WHOLESALE MORTGAGE, LLC (6.33%), NEWREZ LLC (6.40%) and Mortgage Research Center, LLC (6.80%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Roseburg (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 $306,975 (20.4%) $449,079 (21.0%) 0.00 383
2018-02-01 $304,950 (16.4%) $453,735 (21.7%) 0.00 392
2018-03-01 $299,000 (4.9%) $452,392 (16.4%) 0.00 398
2018-04-01 $323,725 (12.0%) $464,881 (15.8%) 0.00 413
2018-05-01 $325,000 (0.0%) $465,026 (12.7%) 0.00 427
2018-06-01 $319,000 (0.3%) $437,026 (8.2%) 0.00 495
2018-07-01 $309,100 (-4.9%) $437,149 (-1.0%) 0.00 514
2018-08-01 $299,950 (-3.6%) $421,719 (-3.6%) 0.00 539
2018-09-01 $298,250 (0.1%) $418,383 (-0.8%) 0.00 531
2018-10-01 $298,700 (2.2%) $428,014 (2.3%) 0.00 507
2018-11-01 $299,598 (1.0%) $441,058 (0.6%) 0.00 460
2018-12-01 $299,900 (1.7%) $448,220 (1.5%) 0.00 454
2019-01-01 $303,748 (-1.1%) $446,084 (-0.7%) 0.00 446
2019-02-01 $316,250 (3.7%) $452,123 (-0.4%) 0.00 437
2019-03-01 $324,950 (8.7%) $455,448 (0.7%) 0.00 417
2019-04-01 $324,925 (0.4%) $451,198 (-2.9%) 0.00 403
2019-05-01 $331,150 (1.9%) $459,343 (-1.2%) 0.00 413
2019-06-01 $335,000 (5.0%) $460,367 (5.3%) 0.00 467
2019-07-01 $337,450 (9.2%) $457,865 (4.7%) 0.00 478
2019-08-01 $333,500 (11.2%) $444,587 (5.4%) 0.00 480
2019-09-01 $331,250 (11.1%) $432,897 (3.5%) 0.00 467
2019-10-01 $327,225 (9.6%) $412,827 (-3.6%) 0.00 439
2019-11-01 $305,000 (1.8%) $397,730 (-9.8%) 0.00 416
2019-12-01 $291,075 (-2.9%) $382,332 (-14.7%) 0.00 392
2020-01-01 $302,125 (-0.5%) $379,920 (-14.8%) 0.00 365
2020-02-01 $319,450 (1.0%) $412,281 (-8.8%) 0.00 345
2020-03-01 $319,950 (-1.5%) $414,607 (-9.0%) 0.00 349
2020-04-01 $319,475 (-1.7%) $421,352 (-6.6%) 0.00 353
2020-05-01 $325,000 (-1.9%) $433,791 (-5.6%) 0.00 339
2020-06-01 $339,225 (1.3%) $448,213 (-2.6%) 0.00 317
2020-07-01 $331,250 (-1.8%) $434,640 (-5.1%) 0.00 263
2020-08-01 $330,000 (-1.1%) $463,403 (4.2%) 0.00 232
2020-09-01 $340,975 (2.9%) $474,868 (9.7%) 0.00 213
2020-10-01 $346,500 (5.9%) $494,073 (19.7%) 0.00 190
2020-11-01 $340,950 (11.8%) $493,487 (24.1%) 0.00 162
2020-12-01 $327,400 (12.5%) $464,241 (21.4%) 0.00 145
2021-01-01 $320,000 (5.9%) $471,128 (24.0%) 0.00 130
2021-02-01 $307,450 (-3.8%) $421,523 (2.2%) 0.00 110
2021-03-01 $318,475 (-0.5%) $417,648 (0.7%) 0.00 102
2021-04-01 $344,950 (8.0%) $447,013 (6.1%) 0.00 104
2021-05-01 $349,950 (7.7%) $478,365 (10.3%) 0.00 123
2021-06-01 $345,750 (1.9%) $477,531 (6.5%) 0.00 128
2021-07-01 $350,000 (5.7%) $506,521 (16.5%) 0.00 164
2021-08-01 $359,975 (9.1%) $502,898 (8.5%) 0.00 194
2021-09-01 $363,725 (6.7%) $492,956 (3.8%) 0.00 210
2021-10-01 $375,000 (8.2%) $518,790 (5.0%) 0.00 205
2021-11-01 $369,700 (8.4%) $524,951 (6.4%) 0.00 190
2021-12-01 $387,450 (18.3%) $546,396 (17.7%) 0.00 176
2022-01-01 $399,000 (24.7%) $587,452 (24.7%) 0.00 137
2022-02-01 $398,000 (29.5%) $603,940 (43.3%) 0.00 137
2022-03-01 $409,700 (28.6%) $637,626 (52.7%) 0.00 125
2022-04-01 $420,000 (21.8%) $600,704 (34.4%) 0.00 163
2022-05-01 $422,500 (20.7%) $586,905 (22.7%) 0.00 187
2022-06-01 $415,000 (20.0%) $568,297 (19.0%) 0.00 232
2022-07-01 $407,500 (16.4%) $561,509 (10.9%) 0.00 278
2022-08-01 $423,450 (17.6%) $566,393 (12.6%) 0.00 271
2022-09-01 $439,225 (20.8%) $582,194 (18.1%) 0.00 282
2022-10-01 $419,450 (11.9%) $568,160 (9.5%) 0.00 300
2022-11-01 $414,356 (12.1%) $580,009 (10.5%) 0.00 289
2022-12-01 $412,989 (6.6%) $588,218 (7.7%) 0.00 278
2023-01-01 $417,000 (4.5%) $586,670 (-0.1%) 0.00 253
2023-02-01 $419,750 (5.5%) $583,010 (-3.5%) 0.00 237
2023-03-01 $454,500 (10.9%) $609,035 (-4.5%) 0.00 225
2023-04-01 $450,000 (7.1%) $615,089 (2.4%) 0.00 207
2023-05-01 $449,000 (6.3%) $601,153 (2.4%) 0.00 233
2023-06-01 $449,850 (8.4%) $612,157 (7.7%) 0.00 252
2023-07-01 $436,500 (7.1%) $613,058 (9.2%) 0.00 263
2023-08-01 $433,700 (2.4%) $614,914 (8.6%) 0.00 295
2023-09-01 $417,450 (-5.0%) $590,403 (1.4%) 0.00 314
2023-10-01 $399,250 (-4.8%) $579,173 (1.9%) 0.00 303
2023-11-01 $399,900 (-3.5%) $577,091 (-0.5%) 0.00 279
2023-12-01 $385,000 (-6.8%) $558,102 (-5.1%) 0.00 264
2024-01-01 $385,000 (-7.7%) $569,861 (-2.9%) 0.00 238
2024-02-01 $381,500 (-9.1%) $576,813 (-1.1%) 0.00 220
2024-03-01 $390,000 (-14.2%) $566,483 (-7.0%) 0.00 217
2024-04-01 $402,000 (-10.7%) $554,023 (-9.9%) 0.00 261
2024-05-01 $422,475 (-5.9%) $566,628 (-5.7%) 0.00 281
2024-06-01 $435,000 (-3.3%) $568,571 (-7.1%) 0.00 344
2024-07-01 $446,175 (2.2%) $558,320 (-8.9%) 0.00 352
2024-08-01 $444,450 (2.5%) $562,954 (-8.5%) 0.00 357
2024-09-01 $440,938 (5.6%) $554,219 (-6.1%) 0.00 371
2024-10-01 $439,975 (10.2%) $558,065 (-3.6%) 0.00 358
Roseburg's median listing price for 2024-10-01 was $439,975, a difference of $40,725 (10.2%) versus the prior year and $-963 versus the prior month.

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

Roseburg's average listing price for 2024-10-01 was $558,065, a difference of $-21,108 (-3.6%) versus the prior year and $3,846 versus the prior month.

For the 2024-10-01 period, Roseburg had 358 MLS listings, a difference of -13 listings (-4%) versus the prior month and 55 listings (18%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Roseburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,900 sqft
2018-02-01 0 days 1,893 sqft
2018-03-01 0 days 1,892 sqft
2018-04-01 0 days 1,919 sqft
2018-05-01 0 days 1,942 sqft
2018-06-01 0 days 1,874 sqft
2018-07-01 0 days 1,871 sqft
2018-08-01 0 days 1,852 sqft
2018-09-01 0 days 1,845 sqft
2018-10-01 0 days 1,850 sqft
2018-11-01 0 days 1,850 sqft
2018-12-01 0 days 1,852 sqft
2019-01-01 0 days 1,853 sqft
2019-02-01 0 days 1,885 sqft
2019-03-01 0 days 1,902 sqft
2019-04-01 0 days 1,901 sqft
2019-05-01 0 days 1,936 sqft
2019-06-01 0 days 1,953 sqft
2019-07-01 0 days 1,954 sqft
2019-08-01 0 days 1,950 sqft
2019-09-01 0 days 1,946 sqft
2019-10-01 0 days 1,935 sqft
2019-11-01 0 days 1,869 sqft
2019-12-01 0 days 1,825 sqft
2020-01-01 0 days 1,842 sqft
2020-02-01 0 days 1,873 sqft
2020-03-01 0 days 1,851 sqft
2020-04-01 0 days 1,848 sqft
2020-05-01 0 days 1,889 sqft
2020-06-01 0 days 1,944 sqft
2020-07-01 0 days 1,916 sqft
2020-08-01 0 days 1,920 sqft
2020-09-01 0 days 1,933 sqft
2020-10-01 0 days 1,908 sqft
2020-11-01 0 days 1,869 sqft
2020-12-01 0 days 1,854 sqft
2021-01-01 0 days 1,838 sqft
2021-02-01 0 days 1,699 sqft
2021-03-01 0 days 1,699 sqft
2021-04-01 0 days 1,818 sqft
2021-05-01 0 days 1,808 sqft
2021-06-01 0 days 1,716 sqft
2021-07-01 0 days 1,790 sqft
2021-08-01 0 days 1,745 sqft
2021-09-01 0 days 1,665 sqft
2021-10-01 0 days 1,656 sqft
2021-11-01 0 days 1,703 sqft
2021-12-01 0 days 1,772 sqft
2022-01-01 0 days 1,784 sqft
2022-02-01 0 days 1,767 sqft
2022-03-01 0 days 1,795 sqft
2022-04-01 0 days 1,768 sqft
2022-05-01 0 days 1,798 sqft
2022-06-01 0 days 1,765 sqft
2022-07-01 0 days 1,763 sqft
2022-08-01 0 days 1,770 sqft
2022-09-01 0 days 1,810 sqft
2022-10-01 0 days 1,763 sqft
2022-11-01 0 days 1,765 sqft
2022-12-01 0 days 1,756 sqft
2023-01-01 0 days 1,781 sqft
2023-02-01 0 days 1,713 sqft
2023-03-01 0 days 1,834 sqft
2023-04-01 0 days 1,877 sqft
2023-05-01 0 days 1,820 sqft
2023-06-01 0 days 1,836 sqft
2023-07-01 0 days 1,815 sqft
2023-08-01 0 days 1,824 sqft
2023-09-01 0 days 1,749 sqft
2023-10-01 0 days 1,743 sqft
2023-11-01 0 days 1,731 sqft
2023-12-01 0 days 1,715 sqft
2024-01-01 0 days 1,698 sqft
2024-02-01 0 days 1,680 sqft
2024-03-01 0 days 1,695 sqft
2024-04-01 0 days 1,730 sqft
2024-05-01 0 days 1,813 sqft
2024-06-01 0 days 1,800 sqft
2024-07-01 0 days 1,835 sqft
2024-08-01 0 days 1,848 sqft
2024-09-01 0 days 1,833 sqft
2024-10-01 0 days 1,840 sqft
Roseburg's median listing age (time on market) for 2024-10-01 was 0 days.

Roseburg's median square footage for active listings during the 2024-10-01 period was 1,840 sqft. One year prior, the average listing was 1,743 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.