Santa Rosa VA Loan Rates, Closing Costs & Stats

SANTA ROSA-PETALUMA, CA

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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.

    Santa Rosa's 46 lenders originated 148 VA loans during 2024. The total origination value was $98,230,000, with an average VA loan value of $663,716.

    Santa Rosa VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Santa Rosa averaged 0.65% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Santa Rosa's average VA mortgage closing costs are $9,154.

    The average rate for the prior week (2025-06-13) was 6.9% and one month ago for the week of 2025-05-16, the average rate was 6.96%.

    The average rate one year ago was 6.96%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.11%.

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

    Santa Rosa 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 Santa Rosa level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 21 5.92% $9,823
    QUICKEN LOANS, LLC 14 5.98% $12,533
    Mortgage Research Center, LLC 9 5.85% $9,416
    FREEDOM MORTGAGE CORPORATION 8 6.08% $9,128
    PENNYMAC LOAN SERVICES, LLC 7 5.79% $13,340
    CROSSCOUNTRY MORTGAGE, LLC 6 6.08% $12,725
    GUARANTEED RATE, INC. 4 5.91% $11,234
    BROKER SOLUTIONS, INC. 4 6.06% $15,017
    DHI MORTGAGE COMPANY, LTD. 3 5.08% $11,041
    NAVY FEDERAL CREDIT UNION 3 5.88% $12,395
    NEWREZ LLC 3 6.58% $4,693
    Plains Commerce Bank 3 6.00% $17,582
    USAA Federal Savings Bank 3 5.92% $26,837
    LAKEVIEW LOAN SERVICING, LLC 3 5.54% $5,166
    LOANDEPOT.COM, LLC 3 5.91% $9,907
    GENEVA FINANCIAL, LLC 2 6.31% $36,205
    KBHS HOME LOANS, LLC 2 5.61% $7,679
    NEW DAY FINANCIAL, LLC 2 7.75% $15,855
    Mr. Cooper ( Nationstar Mortgage ) 2 6.25% $16,103
    Lakeview Community Capital, LLC 2 6.00% $6,667
    VILLAGE CAPITAL MORTGAGE 2 5.38% $8,456
    MOVEMENT MORTGAGE, LLC 2 6.06% $8,760
    GUILD MORTGAGE COMPANY 2 6.63% $17,226
    Barrington Bank & Trust Company, N.A. 2 5.87% $8,142
    GUARANTEED RATE AFFINITY, LLC 2 5.81% $13,538
    SCENIC OAKS FUNDING, INC. 1 6.13% $19,215
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.63% $36,757
    Ameris Bank 1 5.75% $7,348
    Armed Forces Bank 1 5.75% $2,296
    Equity Prime Mortgage LLC 1 5.88% $18,330
    EVERETT FINANCIAL, INC. 1 6.88% $33,883
    FIRST COLONY MORTGAGE CORPORATION 1 5.75% $16,105
    Flagstar Bank, FSB 1 6.00% $8,297
    HOMEAMERICAN MORTGAGE CORPORATION 1 5.88% $0
    HOMESIDE FINANCIAL, LLC 1 6.38% $14,440
    LEADERONE FINANCIAL CORPORATION 1 6.25% $38,424
    MORTGAGEONE, INC. 1 6.13% $29,723
    Paramount Residential Mortgage Group, Inc. 1 5.75% $5,166
    PENTAGON FEDERAL CREDIT UNION 1 6.50% $5,661
    PLANET HOME LENDING, LLC 1 5.63% $6,161
    PREMIER LENDING, INC. 1 6.25% $26,231
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.13% $10,537
    PROPER RATE, LLC 1 6.50% $5,249
    ALAMEDA MORTGAGE CORPORATION 1 6.25% $6,470
    SUMMIT FUNDING, INC. 1 6.63% $19,181
    U.S. Bank 1 6.25% $7,378

    The top Santa Rosa VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 21 VA loans originated. Their average total fees are $9,823, which is $2,710 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Santa Rosa VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($9,823), QUICKEN LOANS, LLC ($12,533), .

    The lowest rate Santa Rosa VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.92%), QUICKEN LOANS, LLC (5.98%), .

    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.