San Angelo VA Loan Rates, Closing Costs & Stats

SAN ANGELO, TX

  • 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.

    San Angelo's 59 lenders originated 367 VA loans during 2024. The total origination value was $104,995,000, with an average VA loan value of $286,090.

    San Angelo VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in San Angelo averaged 6.62% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

    San Angelo's average VA mortgage closing costs are $6,874.

    The average rate for the prior week (2025-07-04) was 6.93% and one month ago for the week of 2025-06-06, the average rate was 6.9%.

    The average rate one year ago was 6.82%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.06%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 51 6.38% $6,246
    AMERICAN PACIFIC MORTGAGE CORPORATION 45 6.44% $11,947
    MORTGAGE FINANCIAL SERVICES, LLC 39 6.61% $9,455
    UNITED WHOLESALE MORTGAGE, LLC 21 5.78% $6,059
    First Financial Bank 20 6.08% $9,599
    T2 FINANCIAL LLC 19 6.74% $8,236
    PENNYMAC LOAN SERVICES, LLC 16 5.62% $6,107
    QUICKEN LOANS, LLC 16 5.92% $8,344
    NAVY FEDERAL CREDIT UNION 13 6.09% $5,353
    VILLAGE CAPITAL MORTGAGE 11 5.50% $6,103
    FREEDOM MORTGAGE CORPORATION 10 5.92% $6,817
    USAA Federal Savings Bank 10 6.36% $9,303
    THE MORTGAGE LINK, INC. 8 7.05% $19,376
    GUILD MORTGAGE COMPANY 6 6.13% $6,330
    CMG MORTGAGE, INC. 4 6.63% $12,241
    GENEVA FINANCIAL, LLC 4 7.13% $6,017
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 6.75% $3,263
    CROSSCOUNTRY MORTGAGE, LLC 3 6.38% $7,715
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 5.94% $8,682
    NBKC BANK 2 5.81% $10,871
    NEWREZ LLC 2 6.00% $3,218
    GUARANTEED RATE, INC. 2 5.65% $1,858
    PENTAGON FEDERAL CREDIT UNION 2 5.94% $13,923
    DIRECTIONS EQUITY, LLC 2 5.94% $9,260
    CLEARPATH LENDING 2 5.25% $5,574
    AmeriHome Mortgage Company, LLC 2 6.06% $4,700
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.00% $12,583
    Mid-Continent Funding, Inc. 2 6.19% $6,924
    Regions Bank 1 5.25% $9,020
    Towne Bank 1 5.75% $8,185
    UNIVERSITY Federal Credit Union 1 6.25% $3,065
    ZILLOW HOME LOANS, LLC 1 5.75% $1,417
    Atlantic Coast Mortgage, LLC 1 6.25% $11,784
    BROKER SOLUTIONS, INC. 1 6.75% $10,952
    CARDINAL FINANCIAL 1 5.99% $3,386
    Carrington Mortgage Services, LLC 1 5.63% $4,963
    Century Mortgage Company DBA Century Lending Company 1 6.13% $4,628
    CHURCHILL MORTGAGE CORPORATION 1 6.75% $14,586
    COMMUNITY MORTGAGE FUNDING, LLC 1 7.13% $8,286
    Credence Funding Corporation 1 6.25% $1,400
    Encompass Lending Group, LP 1 6.25% $10,611
    Equity Prime Mortgage LLC 1 5.88% $6,447
    Flagstar Bank, FSB 1 6.75% $8,847
    GUARANTEED RATE AFFINITY, LLC 1 5.99% $3,944
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.25% $5,253
    HOMESIDE FINANCIAL, LLC 1 7.25% $30,242
    JPMorgan Chase Bank 1 5.38% $20,069
    Lakeview Community Capital, LLC 1 5.75% $2,710
    MORTGAGEONE, INC. 1 8.13% $2,382
    MOVEMENT MORTGAGE, LLC 1 6.75% $17,748
    Mr. Cooper ( Nationstar Mortgage ) 1 5.63% $4,234
    Nations Lending Corporation 1 6.75% $19,845
    NATIONS RELIABLE LENDING, LLC 1 6.75% $10,812
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.75% $15,177
    PHH Mortgage Corporation 1 4.99% $3,322
    PLANET HOME LENDING, LLC 1 5.99% $1,730
    PREMIA MORTGAGE, LLC 1 5.50% $0
    Prosperity Home Mortgage, LLC 1 5.99% $6,839
    RANLIFE, INC. 1 6.50% $6,786

    The top San Angelo VA lender as defined by loan originations is Mortgage Research Center, LLC, with 51 VA loans originated. Their average total fees are $6,246, which is $5,701 lower than the next largest lender, AMERICAN PACIFIC MORTGAGE CORPORATION.

    The lowest fee San Angelo VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($5,353), UNITED WHOLESALE MORTGAGE, LLC ($6,059), VILLAGE CAPITAL MORTGAGE ($6,103), PENNYMAC LOAN SERVICES, LLC ($6,107) and Mortgage Research Center, LLC ($6,246).

    The lowest rate San Angelo VA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (5.50%), PENNYMAC LOAN SERVICES, LLC (5.62%), UNITED WHOLESALE MORTGAGE, LLC (5.78%), QUICKEN LOANS, LLC (5.92%) and FREEDOM MORTGAGE CORPORATION (5.92%).

    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
    2025-02-01 $290,250 (0.7%) $355,141 (-2.4%) 0.00 669
    2025-03-01 $296,000 (-0.3%) $355,744 (-3.9%) 0.00 721
    2025-04-01 $298,600 (0.0%) $361,968 (-2.2%) 0.00 730
    2025-05-01 $299,000 (0.0%) $366,281 (0.1%) 0.00 745
    2025-06-01 $297,250 (-0.7%) $364,862 (1.7%) 0.00 788
    San Angelo's median listing price for 2025-06-01 was $297,250, a difference of $-1,950 (-0.7%) versus the prior year and $-1,750 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 2025-06-01 was $364,862, a difference of $5,926 (1.7%) versus the prior year and $-1,419 versus the prior month.

    For the 2025-06-01 period, San Angelo had 788 MLS listings, a difference of 43 listings (6%) versus the prior month and 320 listings (68%) 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
    2025-02-01 0 days 1,775 sqft
    2025-03-01 0 days 1,787 sqft
    2025-04-01 0 days 1,799 sqft
    2025-05-01 0 days 1,804 sqft
    2025-06-01 0 days 1,791 sqft
    San Angelo's median listing age (time on market) for 2025-06-01 was 0 days.

    San Angelo's median square footage for active listings during the 2025-06-01 period was 1,791 sqft. One year prior, the average listing was 1,793 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.