Safford VA Loan Rates, Closing Costs & Stats

Safford, AZ

  • 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.

    Safford's 26 lenders originated 47 VA loans during 2024. The total origination value was $14,065,000, with an average VA loan value of $299,255.

    Safford VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Safford averaged 6.22% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Safford's average VA mortgage closing costs are $6,215.

    The average rate for the prior week (2025-03-28) was 6.44% and one month ago for the week of 2025-02-28, the average rate was 6.41%.

    The average rate one year ago was 6.62%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.36%.

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

    Safford 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 Safford level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 5 6.27% $11,349
    Mr. Cooper ( Nationstar Mortgage ) 4 6.00% $5,639
    Mortgage Research Center, LLC 4 6.03% $3,314
    UNITED WHOLESALE MORTGAGE, LLC 3 5.71% $11,860
    SUN WEST MORTGAGE COMPANY, INC. 2 6.63% $16,625
    CLEARPATH LENDING 2 6.00% $15,089
    LOANDEPOT.COM, LLC 2 5.93% $13,861
    Equity Prime Mortgage LLC 2 7.38% $5,971
    SUN AMERICAN MORTGAGE COMPANY 2 6.63% $12,282
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 7.25% $8,184
    Paramount Residential Mortgage Group, Inc. 1 7.13% $11,179
    PLAZA HOME MORTGAGE, INC. 1 6.25% $10,768
    S1L, Inc. 1 6.75% $18,695
    The Loan Store, Inc. 1 5.63% $8,969
    USAA Federal Savings Bank 1 5.88% $10,863
    VERITAS FUNDING, LLC 1 5.88% $20,006
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.99% $22,105
    VILLAGE CAPITAL MORTGAGE 1 4.75% $7,233
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.50% $11,065
    Bank of America 1 6.13% $6,377
    BROKER SOLUTIONS, INC. 1 7.25% $14,133
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $5,867
    Flagstar Bank, FSB 1 6.75% $7,229
    FREEDOM MORTGAGE CORPORATION 1 5.75% $10,897
    Magnolia Bank 1 4.88% $7,496
    NAVY FEDERAL CREDIT UNION 1 6.00% $3,508

    The top Safford VA lender as defined by loan originations is QUICKEN LOANS, LLC, with 5 VA loans originated. Their average total fees are $11,349, which is $5,710 higher than the next largest lender, Mr. Cooper ( Nationstar Mortgage ).

    The lowest fee Safford VA lenders (with over 10 loans originated) are .

    The lowest rate Safford VA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Safford (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 $170,600 (7.3%) $203,766 (11.9%) 0.00 85
    2018-02-01 $173,250 (1.9%) $205,433 (11.6%) 0.00 81
    2018-03-01 $179,700 (-0.1%) $211,267 (7.1%) 0.00 80
    2018-04-01 $179,125 (2.4%) $208,209 (6.3%) 0.00 85
    2018-05-01 $179,350 (8.4%) $204,458 (6.8%) 0.00 81
    2018-06-01 $179,900 (6.5%) $205,004 (5.7%) 0.00 99
    2018-07-01 $184,243 (7.7%) $213,696 (7.3%) 0.00 94
    2018-08-01 $184,200 (5.9%) $211,214 (4.6%) 0.00 93
    2018-09-01 $180,998 (3.4%) $208,521 (1.6%) 0.00 98
    2018-10-01 $179,900 (3.0%) $204,600 (3.0%) 0.00 98
    2018-11-01 $178,050 (4.8%) $198,092 (0.1%) 0.00 91
    2018-12-01 $174,000 (4.7%) $190,741 (1.7%) 0.00 89
    2019-01-01 $175,000 (2.6%) $186,700 (-8.4%) 0.00 82
    2019-02-01 $175,000 (1.0%) $188,744 (-8.1%) 0.00 76
    2019-03-01 $185,286 (3.1%) $212,270 (0.5%) 0.00 73
    2019-04-01 $196,286 (9.6%) $238,615 (14.6%) 0.00 70
    2019-05-01 $213,850 (19.2%) $255,946 (25.2%) 0.00 67
    2019-06-01 $219,515 (22.0%) $260,263 (27.0%) 0.00 67
    2019-07-01 $223,700 (21.4%) $271,679 (27.1%) 0.00 64
    2019-08-01 $216,040 (17.3%) $270,737 (28.2%) 0.00 69
    2019-09-01 $206,799 (14.3%) $266,413 (27.8%) 0.00 78
    2019-10-01 $199,256 (10.8%) $260,362 (27.3%) 0.00 84
    2019-11-01 $196,750 (10.5%) $254,847 (28.7%) 0.00 90
    2019-12-01 $193,125 (11.0%) $245,800 (28.9%) 0.00 89
    2020-01-01 $196,725 (12.4%) $254,212 (36.2%) 0.00 75
    2020-02-01 $219,998 (25.7%) $264,833 (40.3%) 0.00 78
    2020-03-01 $218,699 (18.0%) $271,861 (28.1%) 0.00 67
    2020-04-01 $209,995 (7.0%) $257,829 (8.1%) 0.00 61
    2020-05-01 $220,000 (2.9%) $250,889 (-2.0%) 0.00 57
    2020-06-01 $217,475 (-0.9%) $255,874 (-1.7%) 0.00 47
    2020-07-01 $220,500 (-1.4%) $265,769 (-2.2%) 0.00 40
    2020-08-01 $237,000 (9.7%) $291,915 (7.8%) 0.00 34
    2020-09-01 $241,725 (16.9%) $328,528 (23.3%) 0.00 30
    2020-10-01 $237,000 (18.9%) $289,369 (11.1%) 0.00 40
    2020-11-01 $235,000 (19.4%) $296,647 (16.4%) 0.00 44
    2020-12-01 $234,950 (21.7%) $311,915 (26.9%) 0.00 39
    2021-01-01 $230,000 (16.9%) $272,840 (7.3%) 0.00 44
    2021-02-01 $201,700 (-8.3%) $255,679 (-3.5%) 0.00 38
    2021-03-01 $223,750 (2.3%) $283,303 (4.2%) 0.00 32
    2021-04-01 $216,999 (3.3%) $276,592 (7.3%) 0.00 26
    2021-05-01 $229,500 (4.3%) $272,952 (8.8%) 0.00 23
    2021-06-01 $249,950 (14.9%) $282,778 (10.5%) 0.00 27
    2021-07-01 $249,900 (13.3%) $273,603 (3.0%) 0.00 32
    2021-08-01 $289,375 (22.1%) $325,226 (11.4%) 0.00 39
    2021-09-01 $257,225 (6.4%) $318,387 (-3.1%) 0.00 42
    2021-10-01 $273,500 (15.4%) $320,113 (10.6%) 0.00 52
    2021-11-01 $286,750 (22.0%) $321,764 (8.5%) 0.00 52
    2021-12-01 $295,475 (25.8%) $325,977 (4.5%) 0.00 43
    2022-01-01 $299,000 (30.0%) $330,851 (21.3%) 0.00 40
    2022-02-01 $317,000 (57.2%) $356,644 (39.5%) 0.00 37
    2022-03-01 $298,500 (33.4%) $364,617 (28.7%) 0.00 38
    2022-04-01 $279,900 (29.0%) $322,715 (16.7%) 0.00 31
    2022-05-01 $307,000 (33.8%) $351,652 (28.8%) 0.00 39
    2022-06-01 $305,000 (22.0%) $354,432 (25.3%) 0.00 54
    2022-07-01 $317,500 (27.1%) $363,667 (32.9%) 0.00 62
    2022-08-01 $322,450 (11.4%) $353,157 (8.6%) 0.00 76
    2022-09-01 $311,250 (21.0%) $373,156 (17.2%) 0.00 82
    2022-10-01 $300,000 (9.7%) $365,581 (14.2%) 0.00 90
    2022-11-01 $299,450 (4.4%) $362,533 (12.7%) 0.00 76
    2022-12-01 $292,000 (-1.2%) $355,909 (9.2%) 0.00 65
    2023-01-01 $299,000 (0.0%) $372,974 (12.7%) 0.00 54
    2023-02-01 $330,375 (4.2%) $347,112 (-2.7%) 0.00 43
    2023-03-01 $305,000 (2.2%) $362,333 (-0.6%) 0.00 42
    2023-04-01 $305,000 (9.0%) $387,340 (20.0%) 0.00 38
    2023-05-01 $328,500 (7.0%) $407,400 (15.9%) 0.00 36
    2023-06-01 $340,000 (11.5%) $431,846 (21.8%) 0.00 33
    2023-07-01 $360,000 (13.4%) $428,855 (17.9%) 0.00 36
    2023-08-01 $360,000 (11.7%) $391,804 (10.9%) 0.00 43
    2023-09-01 $372,000 (19.5%) $512,418 (37.3%) 0.00 48
    2023-10-01 $379,950 (26.7%) $515,665 (41.1%) 0.00 55
    2023-11-01 $372,250 (24.3%) $506,326 (39.7%) 0.00 57
    2023-12-01 $379,995 (30.1%) $521,103 (46.4%) 0.00 55
    2024-01-01 $384,500 (28.6%) $534,713 (43.4%) 0.00 48
    2024-02-01 $373,749 (13.1%) $417,315 (20.2%) 0.00 45
    2024-03-01 $369,995 (21.3%) $416,207 (14.9%) 0.00 51
    2024-04-01 $370,000 (21.3%) $423,263 (9.3%) 0.00 48
    2024-05-01 $369,998 (12.6%) $419,603 (3.0%) 0.00 51
    2024-06-01 $362,500 (6.6%) $409,511 (-5.2%) 0.00 51
    2024-07-01 $370,000 (2.8%) $412,737 (-3.8%) 0.00 58
    2024-08-01 $375,000 (4.2%) $410,219 (4.7%) 0.00 60
    2024-09-01 $375,000 (0.8%) $394,375 (-23.0%) 0.00 51
    2024-10-01 $398,500 (4.9%) $396,639 (-23.1%) 0.00 61
    2024-11-01 $400,000 (7.5%) $394,134 (-22.2%) 0.00 68
    2024-12-01 $402,500 (5.9%) $394,784 (-24.2%) 0.00 67
    2025-01-01 $411,225 (7.0%) $402,544 (-24.7%) 0.00 63
    2025-02-01 $371,500 (-0.6%) $367,915 (-11.8%) 0.00 71
    2025-03-01 $367,500 (-0.7%) $375,554 (-9.8%) 0.00 79
    Safford's median listing price for 2025-03-01 was $367,500, a difference of $-2,495 (-0.7%) versus the prior year and $-4,000 versus the prior month.

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

    Safford's average listing price for 2025-03-01 was $375,554, a difference of $-40,653 (-9.8%) versus the prior year and $7,639 versus the prior month.

    For the 2025-03-01 period, Safford had 79 MLS listings, a difference of 8 listings (11%) versus the prior month and 28 listings (55%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Safford (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,840 sqft
    2018-02-01 0 days 1,840 sqft
    2018-03-01 0 days 1,897 sqft
    2018-04-01 0 days 1,856 sqft
    2018-05-01 0 days 1,771 sqft
    2018-06-01 0 days 1,696 sqft
    2018-07-01 0 days 1,746 sqft
    2018-08-01 0 days 1,718 sqft
    2018-09-01 0 days 1,748 sqft
    2018-10-01 0 days 1,748 sqft
    2018-11-01 0 days 1,677 sqft
    2018-12-01 0 days 1,664 sqft
    2019-01-01 0 days 1,673 sqft
    2019-02-01 0 days 1,635 sqft
    2019-03-01 0 days 1,683 sqft
    2019-04-01 0 days 1,740 sqft
    2019-05-01 0 days 1,985 sqft
    2019-06-01 0 days 1,990 sqft
    2019-07-01 0 days 1,983 sqft
    2019-08-01 0 days 1,942 sqft
    2019-09-01 0 days 1,906 sqft
    2019-10-01 0 days 1,880 sqft
    2019-11-01 0 days 1,875 sqft
    2019-12-01 0 days 1,880 sqft
    2020-01-01 0 days 1,812 sqft
    2020-02-01 0 days 1,812 sqft
    2020-03-01 0 days 1,925 sqft
    2020-04-01 0 days 1,908 sqft
    2020-05-01 0 days 1,827 sqft
    2020-06-01 0 days 1,853 sqft
    2020-07-01 0 days 1,897 sqft
    2020-08-01 0 days 2,007 sqft
    2020-09-01 0 days 2,157 sqft
    2020-10-01 0 days 1,936 sqft
    2020-11-01 0 days 1,854 sqft
    2020-12-01 0 days 1,866 sqft
    2021-01-01 0 days 1,851 sqft
    2021-02-01 0 days 1,625 sqft
    2021-03-01 0 days 1,763 sqft
    2021-04-01 0 days 1,769 sqft
    2021-05-01 0 days 1,872 sqft
    2021-06-01 0 days 1,821 sqft
    2021-07-01 0 days 1,727 sqft
    2021-08-01 0 days 1,872 sqft
    2021-09-01 0 days 1,830 sqft
    2021-10-01 0 days 1,904 sqft
    2021-11-01 0 days 1,898 sqft
    2021-12-01 0 days 1,903 sqft
    2022-01-01 0 days 2,014 sqft
    2022-02-01 0 days 1,957 sqft
    2022-03-01 0 days 1,824 sqft
    2022-04-01 0 days 1,695 sqft
    2022-05-01 0 days 1,758 sqft
    2022-06-01 0 days 1,847 sqft
    2022-07-01 0 days 1,870 sqft
    2022-08-01 0 days 1,888 sqft
    2022-09-01 0 days 1,883 sqft
    2022-10-01 0 days 1,845 sqft
    2022-11-01 0 days 1,842 sqft
    2022-12-01 0 days 1,845 sqft
    2023-01-01 0 days 1,947 sqft
    2023-02-01 0 days 1,847 sqft
    2023-03-01 0 days 1,880 sqft
    2023-04-01 0 days 1,928 sqft
    2023-05-01 0 days 2,080 sqft
    2023-06-01 0 days 2,065 sqft
    2023-07-01 0 days 2,032 sqft
    2023-08-01 0 days 2,032 sqft
    2023-09-01 0 days 1,961 sqft
    2023-10-01 0 days 2,032 sqft
    2023-11-01 0 days 1,980 sqft
    2023-12-01 0 days 2,032 sqft
    2024-01-01 0 days 2,036 sqft
    2024-02-01 0 days 1,954 sqft
    2024-03-01 0 days 2,064 sqft
    2024-04-01 0 days 2,005 sqft
    2024-05-01 0 days 1,884 sqft
    2024-06-01 0 days 1,820 sqft
    2024-07-01 0 days 1,861 sqft
    2024-08-01 0 days 1,876 sqft
    2024-09-01 0 days 1,877 sqft
    2024-10-01 0 days 2,179 sqft
    2024-11-01 0 days 2,144 sqft
    2024-12-01 0 days 2,109 sqft
    2025-01-01 0 days 2,297 sqft
    2025-02-01 0 days 1,863 sqft
    2025-03-01 0 days 1,733 sqft
    Safford's median listing age (time on market) for 2025-03-01 was 0 days.

    Safford's median square footage for active listings during the 2025-03-01 period was 1,733 sqft. One year prior, the average listing was 2,064 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.