San Angelo VA Loan Rates, Closing Costs & Stats

SAN ANGELO, TX

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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.

    San Angelo's 52 lenders originated 250 VA loans during 2023. The total origination value was $73,740,000, with an average VA loan value of $294,960.

    San Angelo VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in San Angelo averaged 6.49% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    San Angelo's average VA mortgage closing costs are $6,658.

    The average rate for the prior week (2025-02-07) was 6.52% and one month ago for the week of 2025-01-10, the average rate was 6.56%.

    The average rate one year ago was 6.68%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.43%.

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

    San Angelo 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 San Angelo level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 52 6.60% $5,611
    MORTGAGE FINANCIAL SERVICES, LLC 31 6.56% $10,118
    NAVY FEDERAL CREDIT UNION 18 5.75% $6,385
    AMERICAN PACIFIC MORTGAGE CORPORATION 18 6.67% $11,241
    First Financial Bank 16 6.41% $10,321
    GUILD MORTGAGE COMPANY 12 6.81% $11,487
    USAA Federal Savings Bank 10 6.28% $8,631
    UNITED WHOLESALE MORTGAGE, LLC 8 6.47% $4,060
    T2 FINANCIAL LLC 7 6.40% $7,595
    QUICKEN LOANS, LLC 7 5.85% $13,102
    GUARANTEED RATE, INC. 5 6.95% $6,822
    University Bank 5 6.05% $11,076
    PENNYMAC LOAN SERVICES, LLC 5 6.48% $7,722
    GENEVA FINANCIAL, LLC 3 7.29% $9,988
    Flagstar Bank, FSB 2 6.51% $8,549
    PENTAGON FEDERAL CREDIT UNION 2 5.81% $5,119
    Plains Commerce Bank 2 6.31% $9,371
    GoPrime Mortgage, Inc. 2 7.13% $5,346
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.44% $10,949
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.75% $3,808
    NATIONS RELIABLE LENDING, LLC 2 7.75% $6,692
    FREEDOM MORTGAGE CORPORATION 2 6.06% $18,973
    Prosperity Bank 1 5.63% $7,882
    Prosperity Home Mortgage, LLC 1 6.62% $3,939
    RADIUS FINANCIAL GROUP INC. 1 7.00% $3,584
    RB MORTGAGE LLC 1 6.88% $1,072
    The Loan Store, Inc. 1 5.25% $6,875
    TIB The Independent Bankersbank 1 6.50% $5,253
    TOWNE MORTGAGE COMPANY 1 6.63% $4,347
    ACADEMY MORTGAGE CORPORATION 1 6.63% $10,509
    ZILLOW HOME LOANS, LLC 1 7.38% $6,092
    AMCAP MORTGAGE, LTD. 1 5.49% $9,156
    Bank of England 1 6.75% $10,523
    CHURCHILL MORTGAGE CORPORATION 1 6.63% $8,235
    Equity Prime Mortgage LLC 1 7.75% $13,293
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $6,741
    GARDNER FINANCIAL SERVICES, LTD. 1 5.75% $18,859
    Gateway First Bank 1 6.88% $1,072
    Ixonia Bank 1 6.75% $10,548
    JMJ FINANCIAL GROUP 1 5.88% $16,116
    LEGEND LENDING CORPORATION 1 6.75% $17,066
    LOANDEPOT.COM, LLC 1 7.25% $10,115
    MEMBER FIRST MORTGAGE, LLC 1 6.13% $5,629
    MID AMERICA MORTGAGE, INC. 1 6.75% $20,577
    MOVEMENT MORTGAGE, LLC 1 6.25% $21,707
    Nations Lending Corporation 1 7.75% $2,161
    NBKC BANK 1 5.63% $4,079
    Network Funding, L.P. 1 7.00% $14,884
    NEWREZ LLC 1 5.75% $16,091
    OPEN MORTGAGE, LLC 1 5.75% $3,011
    PLAZA HOME MORTGAGE, INC. 1 6.50% $2,795
    PREMIA MORTGAGE, LLC 1 6.00% $10,435

    The top San Angelo VA lender as defined by loan originations is Mortgage Research Center, LLC, with 52 VA loans originated. Their average total fees are $5,611, which is $4,507 lower than the next largest lender, MORTGAGE FINANCIAL SERVICES, LLC.

    The lowest fee San Angelo VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,611), NAVY FEDERAL CREDIT UNION ($6,385), USAA Federal Savings Bank ($8,631), MORTGAGE FINANCIAL SERVICES, LLC ($10,118) and First Financial Bank ($10,321).

    The lowest rate San Angelo VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION (5.75%), USAA Federal Savings Bank (6.28%), First Financial Bank (6.41%), MORTGAGE FINANCIAL SERVICES, LLC (6.56%) and Mortgage Research Center, LLC (6.60%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - San Angelo (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 $193,500 (-5.1%) $259,929 (0.5%) 0.00 492
    2018-02-01 $194,375 (-3.8%) $270,147 (5.5%) 0.00 454
    2018-03-01 $199,000 (-2.9%) $274,818 (5.9%) 0.00 447
    2018-04-01 $217,950 (7.6%) $296,431 (14.6%) 0.00 412
    2018-05-01 $219,925 (11.2%) $299,265 (18.3%) 0.00 387
    2018-06-01 $218,925 (10.5%) $293,481 (15.9%) 0.00 414
    2018-07-01 $200,200 (1.0%) $280,538 (9.7%) 0.00 434
    2018-08-01 $216,000 (9.2%) $286,975 (10.9%) 0.00 444
    2018-09-01 $224,900 (14.0%) $293,678 (13.7%) 0.00 455
    2018-10-01 $224,900 (15.3%) $298,724 (18.1%) 0.00 443
    2018-11-01 $217,400 (11.4%) $294,180 (15.0%) 0.00 441
    2018-12-01 $210,000 (6.6%) $296,193 (12.7%) 0.00 406
    2019-01-01 $211,725 (9.4%) $283,667 (9.1%) 0.00 408
    2019-02-01 $222,950 (14.7%) $291,847 (8.0%) 0.00 395
    2019-03-01 $229,443 (15.3%) $301,924 (9.9%) 0.00 385
    2019-04-01 $241,117 (10.6%) $309,860 (4.5%) 0.00 388
    2019-05-01 $249,900 (13.6%) $316,353 (5.7%) 0.00 373
    2019-06-01 $249,900 (14.2%) $321,968 (9.7%) 0.00 340
    2019-07-01 $249,475 (24.6%) $324,196 (15.6%) 0.00 335
    2019-08-01 $253,873 (17.5%) $333,461 (16.2%) 0.00 333
    2019-09-01 $245,507 (9.2%) $332,531 (13.2%) 0.00 332
    2019-10-01 $234,500 (4.3%) $326,917 (9.4%) 0.00 339
    2019-11-01 $238,200 (9.6%) $322,921 (9.8%) 0.00 338
    2019-12-01 $239,000 (13.8%) $325,206 (9.8%) 0.00 326
    2020-01-01 $249,000 (17.6%) $323,999 (14.2%) 0.00 308
    2020-02-01 $256,900 (15.2%) $327,129 (12.1%) 0.00 298
    2020-03-01 $266,950 (16.4%) $336,619 (11.5%) 0.00 286
    2020-04-01 $265,400 (10.1%) $331,478 (7.0%) 0.00 308
    2020-05-01 $274,950 (10.0%) $356,233 (12.6%) 0.00 261
    2020-06-01 $282,400 (13.0%) $367,660 (14.2%) 0.00 244
    2020-07-01 $279,750 (12.1%) $376,837 (16.2%) 0.00 237
    2020-08-01 $265,000 (4.4%) $352,751 (5.8%) 0.00 235
    2020-09-01 $255,913 (4.2%) $344,762 (3.7%) 0.00 208
    2020-10-01 $269,900 (15.1%) $355,648 (8.8%) 0.00 205
    2020-11-01 $270,000 (13.4%) $355,759 (10.2%) 0.00 205
    2020-12-01 $258,200 (8.0%) $345,879 (6.4%) 0.00 209
    2021-01-01 $265,400 (6.6%) $350,045 (8.0%) 0.00 182
    2021-02-01 $264,400 (2.9%) $367,538 (12.4%) 0.00 165
    2021-03-01 $257,500 (-3.5%) $385,259 (14.5%) 0.00 144
    2021-04-01 $282,450 (6.4%) $428,258 (29.2%) 0.00 130
    2021-05-01 $279,900 (1.8%) $418,856 (17.6%) 0.00 135
    2021-06-01 $270,000 (-4.4%) $411,393 (11.9%) 0.00 145
    2021-07-01 $247,450 (-11.6%) $362,763 (-3.7%) 0.00 193
    2021-08-01 $249,700 (-5.8%) $344,323 (-2.4%) 0.00 219
    2021-09-01 $255,000 (-0.4%) $367,679 (6.7%) 0.00 225
    2021-10-01 $258,000 (-4.4%) $377,796 (6.2%) 0.00 224
    2021-11-01 $266,000 (-1.5%) $375,579 (5.6%) 0.00 230
    2021-12-01 $262,250 (1.6%) $368,836 (6.6%) 0.00 206
    2022-01-01 $265,000 (-0.2%) $359,905 (2.8%) 0.00 201
    2022-02-01 $268,950 (1.7%) $368,024 (0.1%) 0.00 173
    2022-03-01 $279,950 (8.7%) $376,060 (-2.4%) 0.00 164
    2022-04-01 $261,000 (-7.6%) $358,819 (-16.2%) 0.00 164
    2022-05-01 $289,500 (3.4%) $359,634 (-14.1%) 0.00 190
    2022-06-01 $279,000 (3.3%) $343,789 (-16.4%) 0.00 259
    2022-07-01 $265,000 (7.1%) $314,962 (-13.2%) 0.00 311
    2022-08-01 $265,000 (6.1%) $317,721 (-7.7%) 0.00 337
    2022-09-01 $279,450 (9.6%) $330,761 (-10.0%) 0.00 353
    2022-10-01 $279,000 (8.1%) $326,295 (-13.6%) 0.00 364
    2022-11-01 $299,675 (12.7%) $351,153 (-6.5%) 0.00 374
    2022-12-01 $299,900 (14.4%) $356,080 (-3.5%) 0.00 360
    2023-01-01 $300,400 (13.4%) $363,100 (0.9%) 0.00 344
    2023-02-01 $307,547 (14.4%) $356,978 (-3.0%) 0.00 307
    2023-03-01 $310,000 (10.7%) $367,618 (-2.2%) 0.00 288
    2023-04-01 $325,000 (24.5%) $393,054 (9.5%) 0.00 275
    2023-05-01 $330,900 (14.3%) $404,148 (12.4%) 0.00 308
    2023-06-01 $321,850 (15.4%) $389,881 (13.4%) 0.00 319
    2023-07-01 $320,000 (20.8%) $384,301 (22.0%) 0.00 330
    2023-08-01 $319,950 (20.7%) $387,395 (21.9%) 0.00 330
    2023-09-01 $315,000 (12.7%) $383,050 (15.8%) 0.00 322
    2023-10-01 $296,700 (6.3%) $363,310 (11.3%) 0.00 386
    2023-11-01 $286,475 (-4.4%) $364,482 (3.8%) 0.00 369
    2023-12-01 $285,000 (-5.0%) $362,904 (1.9%) 0.00 400
    2024-01-01 $282,225 (-6.1%) $358,386 (-1.3%) 0.00 396
    2024-02-01 $288,125 (-6.3%) $363,675 (1.9%) 0.00 379
    2024-03-01 $296,750 (-4.3%) $370,283 (0.7%) 0.00 391
    2024-04-01 $298,500 (-8.2%) $370,256 (-5.8%) 0.00 407
    2024-05-01 $299,000 (-9.6%) $365,830 (-9.5%) 0.00 423
    2024-06-01 $299,200 (-7.0%) $358,936 (-7.9%) 0.00 468
    2024-07-01 $303,650 (-5.1%) $368,306 (-4.2%) 0.00 481
    2024-08-01 $298,500 (-6.7%) $373,966 (-3.5%) 0.00 526
    2024-09-01 $299,950 (-4.8%) $370,763 (-3.2%) 0.00 562
    2024-10-01 $299,900 (1.1%) $373,988 (2.9%) 0.00 585
    2024-11-01 $307,400 (7.3%) $374,143 (2.7%) 0.00 561
    2024-12-01 $299,450 (5.1%) $366,158 (0.9%) 0.00 593
    2025-01-01 $291,325 (3.2%) $352,093 (-1.8%) 0.00 610
    San Angelo's median listing price for 2025-01-01 was $291,325, a difference of $9,100 (3.2%) versus the prior year and $-8,125 versus the prior month.

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

    San Angelo's average listing price for 2025-01-01 was $352,093, a difference of $-6,293 (-1.8%) versus the prior year and $-14,065 versus the prior month.

    For the 2025-01-01 period, San Angelo had 610 MLS listings, a difference of 17 listings (3%) versus the prior month and 214 listings (54%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - San Angelo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,846 sqft
    2018-02-01 0 days 1,866 sqft
    2018-03-01 0 days 1,871 sqft
    2018-04-01 0 days 1,902 sqft
    2018-05-01 0 days 1,905 sqft
    2018-06-01 0 days 1,917 sqft
    2018-07-01 0 days 1,881 sqft
    2018-08-01 0 days 1,895 sqft
    2018-09-01 0 days 1,929 sqft
    2018-10-01 0 days 1,952 sqft
    2018-11-01 0 days 1,951 sqft
    2018-12-01 0 days 1,943 sqft
    2019-01-01 0 days 1,899 sqft
    2019-02-01 0 days 1,879 sqft
    2019-03-01 0 days 1,924 sqft
    2019-04-01 0 days 1,982 sqft
    2019-05-01 0 days 1,998 sqft
    2019-06-01 0 days 1,973 sqft
    2019-07-01 0 days 1,977 sqft
    2019-08-01 0 days 1,998 sqft
    2019-09-01 0 days 1,982 sqft
    2019-10-01 0 days 1,947 sqft
    2019-11-01 0 days 1,908 sqft
    2019-12-01 0 days 1,866 sqft
    2020-01-01 0 days 1,892 sqft
    2020-02-01 0 days 1,954 sqft
    2020-03-01 0 days 2,003 sqft
    2020-04-01 0 days 1,979 sqft
    2020-05-01 0 days 2,047 sqft
    2020-06-01 0 days 2,058 sqft
    2020-07-01 0 days 1,998 sqft
    2020-08-01 0 days 1,930 sqft
    2020-09-01 0 days 1,888 sqft
    2020-10-01 0 days 1,969 sqft
    2020-11-01 0 days 1,956 sqft
    2020-12-01 0 days 1,873 sqft
    2021-01-01 0 days 1,830 sqft
    2021-02-01 0 days 1,890 sqft
    2021-03-01 0 days 1,977 sqft
    2021-04-01 0 days 1,993 sqft
    2021-05-01 0 days 1,913 sqft
    2021-06-01 0 days 1,917 sqft
    2021-07-01 0 days 1,877 sqft
    2021-08-01 0 days 1,839 sqft
    2021-09-01 0 days 1,878 sqft
    2021-10-01 0 days 1,917 sqft
    2021-11-01 0 days 1,869 sqft
    2021-12-01 0 days 1,905 sqft
    2022-01-01 0 days 1,834 sqft
    2022-02-01 0 days 1,834 sqft
    2022-03-01 0 days 1,904 sqft
    2022-04-01 0 days 1,791 sqft
    2022-05-01 0 days 1,775 sqft
    2022-06-01 0 days 1,804 sqft
    2022-07-01 0 days 1,787 sqft
    2022-08-01 0 days 1,800 sqft
    2022-09-01 0 days 1,820 sqft
    2022-10-01 0 days 1,851 sqft
    2022-11-01 0 days 1,866 sqft
    2022-12-01 0 days 1,841 sqft
    2023-01-01 0 days 1,879 sqft
    2023-02-01 0 days 1,872 sqft
    2023-03-01 0 days 1,884 sqft
    2023-04-01 0 days 1,947 sqft
    2023-05-01 0 days 1,950 sqft
    2023-06-01 0 days 1,902 sqft
    2023-07-01 0 days 1,913 sqft
    2023-08-01 0 days 1,888 sqft
    2023-09-01 0 days 1,872 sqft
    2023-10-01 0 days 1,753 sqft
    2023-11-01 0 days 1,768 sqft
    2023-12-01 0 days 1,770 sqft
    2024-01-01 0 days 1,748 sqft
    2024-02-01 0 days 1,741 sqft
    2024-03-01 0 days 1,800 sqft
    2024-04-01 0 days 1,831 sqft
    2024-05-01 0 days 1,796 sqft
    2024-06-01 0 days 1,793 sqft
    2024-07-01 0 days 1,840 sqft
    2024-08-01 0 days 1,813 sqft
    2024-09-01 0 days 1,792 sqft
    2024-10-01 0 days 1,788 sqft
    2024-11-01 0 days 1,800 sqft
    2024-12-01 0 days 1,794 sqft
    2025-01-01 0 days 1,767 sqft
    San Angelo's median listing age (time on market) for 2025-01-01 was 0 days.

    San Angelo's median square footage for active listings during the 2025-01-01 period was 1,767 sqft. One year prior, the average listing was 1,748 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.