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 7.07% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

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

    The average rate for the prior week (2025-05-16) was 6.76% and one month ago for the week of 2025-04-18, the average rate was 6.93%.

    The average rate one year ago was 7.15%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.83%.

    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%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Santa Rosa (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 $790,250 (10.6%) $1,231,307 (10.7%) 2.93 407
    2018-02-01 $797,000 (9.9%) $1,200,558 (7.7%) 2.89 444
    2018-03-01 $777,000 (4.7%) $1,196,027 (-0.8%) 2.73 524
    2018-04-01 $762,475 (0.0%) $1,189,317 (-9.9%) 2.59 617
    2018-05-01 $792,000 (2.5%) $1,273,397 (-0.8%) 2.64 760
    2018-06-01 $749,000 (-4.0%) $1,211,005 (-4.3%) 2.50 923
    2018-07-01 $736,000 (-2.5%) $1,150,500 (-6.5%) 2.46 1,086
    2018-08-01 $699,463 (-7.3%) $1,107,243 (-11.9%) 2.34 1,172
    2018-09-01 $709,500 (-10.8%) $1,100,755 (-14.5%) 2.38 1,208
    2018-10-01 $699,000 (-14.2%) $1,101,423 (-16.5%) 2.37 1,177
    2018-11-01 $699,000 (-15.6%) $1,115,671 (-18.6%) 2.37 1,105
    2018-12-01 $689,990 (-16.8%) $1,113,843 (-15.9%) 2.38 896
    2019-01-01 $681,500 (-13.8%) $1,078,741 (-12.4%) 2.35 725
    2019-02-01 $688,800 (-13.6%) $1,114,305 (-7.2%) 2.33 700
    2019-03-01 $720,857 (-7.2%) $1,201,613 (0.5%) 2.36 745
    2019-04-01 $757,500 (-0.7%) $1,259,293 (5.9%) 2.41 868
    2019-05-01 $791,000 (-0.1%) $1,331,851 (4.6%) 2.47 1,061
    2019-06-01 $799,000 (6.7%) $1,362,336 (12.5%) 2.50 1,179
    2019-07-01 $795,000 (8.0%) $1,332,934 (15.9%) 2.49 1,251
    2019-08-01 $774,182 (10.7%) $1,298,779 (17.3%) 2.45 1,250
    2019-09-01 $772,955 (8.9%) $1,289,903 (17.2%) 2.47 1,207
    2019-10-01 $773,136 (10.6%) $1,281,392 (16.3%) 2.49 1,166
    2019-11-01 $775,000 (10.9%) $1,277,479 (14.5%) 2.54 1,054
    2019-12-01 $770,650 (11.7%) $1,253,128 (12.5%) 2.57 771
    2020-01-01 $767,500 (12.6%) $1,194,224 (10.7%) 2.56 679
    2020-02-01 $792,068 (15.0%) $1,168,486 (4.9%) 2.59 725
    2020-03-01 $799,000 (10.8%) $1,205,979 (0.4%) 2.50 792
    2020-04-01 $781,944 (3.2%) $1,176,971 (-6.5%) 2.45 790
    2020-05-01 $769,000 (-2.8%) $1,146,057 (-14.0%) 2.34 999
    2020-06-01 $763,750 (-4.4%) $1,228,384 (-9.8%) 2.25 1,024
    2020-07-01 $784,248 (-1.4%) $1,299,527 (-2.5%) 2.27 899
    2020-08-01 $799,000 (3.2%) $1,337,303 (3.0%) 2.29 786
    2020-09-01 $808,500 (4.6%) $1,348,645 (4.6%) 2.32 704
    2020-10-01 $839,000 (8.5%) $1,371,691 (7.1%) 2.40 781
    2020-11-01 $809,975 (4.5%) $1,356,234 (6.2%) 2.37 807
    2020-12-01 $799,999 (3.8%) $1,351,133 (7.8%) 2.38 666
    2021-01-01 $799,000 (4.1%) $1,375,774 (15.2%) 2.39 556
    2021-02-01 $827,000 (4.4%) $1,427,661 (22.2%) 2.41 530
    2021-03-01 $822,000 (2.9%) $1,407,855 (16.7%) 2.33 563
    2021-04-01 $859,225 (9.9%) $1,463,127 (24.3%) 2.33 622
    2021-05-01 $887,000 (15.3%) $1,522,053 (32.8%) 2.36 680
    2021-06-01 $877,000 (14.8%) $1,530,392 (24.6%) 2.31 760
    2021-07-01 $865,000 (10.3%) $1,506,860 (16.0%) 2.28 763
    2021-08-01 $849,713 (6.4%) $1,464,681 (9.5%) 2.27 767
    2021-09-01 $875,000 (8.2%) $1,526,292 (13.2%) 2.33 744
    2021-10-01 $895,000 (6.7%) $1,602,360 (16.8%) 2.39 670
    2021-11-01 $897,000 (10.7%) $1,658,116 (22.3%) 2.40 500
    2021-12-01 $912,498 (14.1%) $1,733,710 (28.3%) 2.47 352
    2022-01-01 $929,000 (16.3%) $1,782,270 (29.6%) 2.51 257
    2022-02-01 $954,500 (15.4%) $1,817,970 (27.3%) 2.48 294
    2022-03-01 $989,500 (20.4%) $1,855,314 (31.8%) 2.48 369
    2022-04-01 $995,000 (15.8%) $1,918,519 (31.1%) 2.37 415
    2022-05-01 $975,000 (9.9%) $1,838,479 (20.8%) 2.23 547
    2022-06-01 $965,625 (10.1%) $1,831,919 (19.7%) 2.15 615
    2022-07-01 $950,000 (9.8%) $1,720,085 (14.2%) 2.14 688
    2022-08-01 $946,500 (11.4%) $1,689,838 (15.4%) 2.19 710
    2022-09-01 $940,500 (7.5%) $1,693,713 (11.0%) 2.20 718
    2022-10-01 $919,000 (2.7%) $1,748,368 (9.1%) 2.16 730
    2022-11-01 $932,225 (3.9%) $1,796,419 (8.3%) 2.24 643
    2022-12-01 $899,925 (-1.4%) $1,725,602 (-0.5%) 2.22 507
    2023-01-01 $917,500 (-1.2%) $1,786,403 (0.2%) 2.27 409
    2023-02-01 $951,225 (-0.3%) $1,802,208 (-0.9%) 2.30 398
    2023-03-01 $987,500 (-0.2%) $1,823,193 (-1.7%) 2.33 409
    2023-04-01 $1,149,000 (15.5%) $1,989,093 (3.7%) 2.67 452
    2023-05-01 $1,100,000 (12.8%) $1,990,353 (8.3%) 2.49 550
    2023-06-01 $1,125,000 (16.5%) $1,936,176 (5.7%) 2.53 651
    2023-07-01 $1,083,000 (14.0%) $1,865,096 (8.4%) 2.46 707
    2023-08-01 $1,067,500 (12.8%) $1,859,863 (10.1%) 2.45 700
    2023-09-01 $1,060,495 (12.8%) $1,894,260 (11.8%) 2.47 762
    2023-10-01 $1,058,250 (15.2%) $1,896,230 (8.5%) 2.49 767
    2023-11-01 $1,008,675 (8.2%) $1,894,571 (5.5%) 2.40 722
    2023-12-01 $972,490 (8.1%) $1,788,688 (3.7%) 2.37 537
    2024-01-01 $950,748 (3.6%) $1,759,251 (-1.5%) 2.32 453
    2024-02-01 $970,000 (2.0%) $1,842,492 (2.2%) 2.33 445
    2024-03-01 $989,000 (0.2%) $2,006,805 (10.1%) 2.33 503
    2024-04-01 $1,019,750 (-11.3%) $2,023,210 (1.7%) 2.37 655
    2024-05-01 $1,074,500 (-2.3%) $2,020,963 (1.5%) 2.44 839
    2024-06-01 $995,000 (-11.6%) $1,931,151 (-0.3%) 2.26 955
    2024-07-01 $997,498 (-7.9%) $1,933,505 (3.7%) 2.28 974
    2024-08-01 $995,000 (-6.8%) $1,899,640 (2.1%) 2.31 960
    2024-09-01 $1,039,255 (-2.0%) $1,927,853 (1.8%) 2.45 970
    2024-10-01 $1,018,498 (-3.8%) $1,933,382 (2.0%) 2.40 954
    2024-11-01 $1,000,000 (-0.9%) $1,978,781 (4.4%) 2.40 882
    2024-12-01 $974,748 (0.2%) $1,920,836 (7.4%) 2.42 698
    2025-01-01 $962,000 (1.2%) $1,828,862 (4.0%) 2.40 592
    2025-02-01 $944,000 (-2.7%) $1,731,417 (-6.0%) 2.29 661
    2025-03-01 $940,000 (-5.0%) $1,679,533 (-16.3%) 2.21 804
    2025-04-01 $967,000 (-5.2%) $1,705,321 (-15.7%) 2.24 985
    Santa Rosa's median listing price for 2025-04-01 was $967,000, a difference of $-52,750 (-5.2%) versus the prior year and $27,000 versus the prior month.

    Santa Rosa's median listing price comes in at 224% of the national average.

    Santa Rosa's average listing price for 2025-04-01 was $1,705,321, a difference of $-317,889 (-15.7%) versus the prior year and $25,788 versus the prior month.

    For the 2025-04-01 period, Santa Rosa had 985 MLS listings, a difference of 181 listings (23%) versus the prior month and 330 listings (50%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Santa Rosa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 46 days 1,729 sqft
    2018-02-01 29 days 1,834 sqft
    2018-03-01 26 days 1,795 sqft
    2018-04-01 25 days 1,759 sqft
    2018-05-01 28 days 1,758 sqft
    2018-06-01 31 days 1,748 sqft
    2018-07-01 34 days 1,726 sqft
    2018-08-01 41 days 1,698 sqft
    2018-09-01 45 days 1,700 sqft
    2018-10-01 52 days 1,700 sqft
    2018-11-01 54 days 1,700 sqft
    2018-12-01 65 days 1,682 sqft
    2019-01-01 77 days 1,659 sqft
    2019-02-01 71 days 1,668 sqft
    2019-03-01 56 days 1,692 sqft
    2019-04-01 34 days 1,734 sqft
    2019-05-01 34 days 1,799 sqft
    2019-06-01 43 days 1,811 sqft
    2019-07-01 47 days 1,810 sqft
    2019-08-01 54 days 1,812 sqft
    2019-09-01 61 days 1,816 sqft
    2019-10-01 66 days 1,819 sqft
    2019-11-01 75 days 1,808 sqft
    2019-12-01 86 days 1,798 sqft
    2020-01-01 94 days 1,811 sqft
    2020-02-01 68 days 1,849 sqft
    2020-03-01 48 days 1,910 sqft
    2020-04-01 55 days 1,861 sqft
    2020-05-01 57 days 1,857 sqft
    2020-06-01 45 days 1,862 sqft
    2020-07-01 52 days 1,873 sqft
    2020-08-01 51 days 1,905 sqft
    2020-09-01 53 days 1,876 sqft
    2020-10-01 45 days 1,883 sqft
    2020-11-01 43 days 1,845 sqft
    2020-12-01 56 days 1,815 sqft
    2021-01-01 67 days 1,839 sqft
    2021-02-01 54 days 1,865 sqft
    2021-03-01 42 days 1,872 sqft
    2021-04-01 44 days 1,897 sqft
    2021-05-01 42 days 1,903 sqft
    2021-06-01 42 days 1,885 sqft
    2021-07-01 47 days 1,870 sqft
    2021-08-01 51 days 1,845 sqft
    2021-09-01 54 days 1,872 sqft
    2021-10-01 57 days 1,884 sqft
    2021-11-01 61 days 1,931 sqft
    2021-12-01 70 days 1,934 sqft
    2022-01-01 60 days 1,926 sqft
    2022-02-01 35 days 1,889 sqft
    2022-03-01 37 days 1,871 sqft
    2022-04-01 40 days 1,908 sqft
    2022-05-01 39 days 1,893 sqft
    2022-06-01 44 days 1,897 sqft
    2022-07-01 47 days 1,886 sqft
    2022-08-01 52 days 1,849 sqft
    2022-09-01 57 days 1,843 sqft
    2022-10-01 61 days 1,841 sqft
    2022-11-01 65 days 1,850 sqft
    2022-12-01 79 days 1,824 sqft
    2023-01-01 85 days 1,831 sqft
    2023-02-01 69 days 1,881 sqft
    2023-03-01 51 days 1,906 sqft
    2023-04-01 51 days 1,991 sqft
    2023-05-01 44 days 1,996 sqft
    2023-06-01 47 days 2,022 sqft
    2023-07-01 42 days 1,955 sqft
    2023-08-01 46 days 1,979 sqft
    2023-09-01 46 days 2,004 sqft
    2023-10-01 48 days 2,000 sqft
    2023-11-01 55 days 1,974 sqft
    2023-12-01 68 days 1,937 sqft
    2024-01-01 73 days 1,908 sqft
    2024-02-01 57 days 1,922 sqft
    2024-03-01 35 days 1,918 sqft
    2024-04-01 30 days 1,963 sqft
    2024-05-01 30 days 1,991 sqft
    2024-06-01 38 days 1,898 sqft
    2024-07-01 48 days 1,909 sqft
    2024-08-01 54 days 1,875 sqft
    2024-09-01 54 days 1,905 sqft
    2024-10-01 54 days 1,927 sqft
    2024-11-01 63 days 1,931 sqft
    2024-12-01 74 days 1,919 sqft
    2025-01-01 78 days 1,890 sqft
    2025-02-01 48 days 1,858 sqft
    2025-03-01 39 days 1,841 sqft
    2025-04-01 38 days 1,852 sqft
    Santa Rosa's median listing age (time on market) for 2025-04-01 was 38 days. This is 27% longer than the same period one year ago.

    Santa Rosa's median square footage for active listings during the 2025-04-01 period was 1,852 sqft. One year prior, the average listing was 1,963 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.