Shelton VA Loan Rates, Closing Costs & Stats

Shelton, WA

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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.

    Shelton's 65 lenders originated 335 VA loans during 2024. The total origination value was $136,845,000, with an average VA loan value of $408,493.

    Shelton VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Shelton averaged 6.2% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Shelton's average VA mortgage closing costs are $7,412.

    The average rate for the prior week (2025-03-28) was 6.42% and one month ago for the week of 2025-02-28, the average rate was 6.7%.

    The average rate one year ago was 6.91%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.87%.

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

    Shelton 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 Shelton level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 36 5.89% $7,108
    Mortgage Research Center, LLC 36 6.37% $7,415
    EAGLE HOME MORTGAGE, LLC 24 5.35% $9,286
    CROSSCOUNTRY MORTGAGE, LLC 22 6.61% $9,511
    FREEDOM MORTGAGE CORPORATION 15 6.02% $9,735
    NEWREZ LLC 14 6.11% $10,671
    GUILD MORTGAGE COMPANY 13 6.25% $11,968
    NAVY FEDERAL CREDIT UNION 13 5.98% $6,186
    QUICKEN LOANS, LLC 12 5.77% $11,833
    MOVEMENT MORTGAGE, LLC 9 6.64% $12,445
    PENNYMAC LOAN SERVICES, LLC 8 5.78% $11,057
    USAA Federal Savings Bank 7 6.34% $9,016
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 6.67% $8,809
    The Federal Savings Bank 6 6.27% $13,741
    BROKER SOLUTIONS, INC. 6 6.64% $17,045
    VILLAGE CAPITAL MORTGAGE 6 5.60% $8,051
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 6 6.48% $12,529
    LAKEVIEW LOAN SERVICING, LLC 5 5.65% $6,411
    NOVA FINANCIAL & INVESTMENT CORPORATION 4 6.50% $13,934
    NBKC BANK 3 5.58% $7,924
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.58% $12,998
    GUARANTEED RATE, INC. 3 6.14% $10,676
    PLANET HOME LENDING, LLC 3 5.83% $6,275
    MASON MCDUFFIE MORTGAGE CORPORATION 2 6.25% $12,204
    Mr. Cooper ( Nationstar Mortgage ) 2 6.13% $9,208
    Paramount Residential Mortgage Group, Inc. 2 5.75% $9,888
    AMERICAN FINANCIAL NETWORK, INC. 2 6.63% $7,533
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.00% $7,372
    CMG MORTGAGE, INC. 2 6.56% $14,466
    Cornerstone First Mortgage, Inc 2 5.63% $11,207
    LAND HOME FINANCIAL SERVICES, INC. 2 5.56% $6,444
    T2 FINANCIAL LLC 2 6.88% $4,409
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.00% $1,587
    LOANDEPOT.COM, LLC 2 6.13% $17,697
    American Mortgage & Equity Consultants, Inc. 2 5.94% $18,156
    ZILLOW HOME LOANS, LLC 1 6.50% $499
    AMERISAVE MORTGAGE CORPORATION 1 5.88% $19,244
    Ameris Bank 1 6.25% $7,961
    BAY EQUITY LLC 1 5.75% $12,675
    CANOPY MORTGAGE, LLC 1 7.13% $15,125
    Carrington Mortgage Services, LLC 1 5.63% $7,926
    Credence Funding Corporation 1 6.13% $3,613
    Flagstar Bank, FSB 1 6.25% $2,337
    GoPrime Mortgage, Inc. 1 5.50% $11,272
    HomeStreet Bank 1 6.63% $8,615
    LADERA LENDING, INC. 1 5.75% $2,664
    Magnolia Bank 1 6.25% $12,208
    MLD MORTGAGE INC. 1 6.13% $4,948
    MORTGAGEONE, INC. 1 7.25% $6,750
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.13% $44,291
    NATIONS DIRECT MORTGAGE, LLC 1 5.63% $5,888
    NEW DAY FINANCIAL, LLC 1 6.99% $1,779
    PENINSULA COMMUNITY 1 7.50% $11,268
    PENTAGON FEDERAL CREDIT UNION 1 6.38% $8,667
    PHH Mortgage Corporation 1 5.99% $3,248
    Prosperity Home Mortgage, LLC 1 5.75% $3,839
    RESIDENTIAL MORTGAGE, LLC 1 5.25% $6,411
    SAMMAMISH MORTGAGE COMPANY 1 5.25% $9,479
    SeaTrust Mortgage Company 1 7.13% $12,098
    SUMMIT FUNDING, INC. 1 5.63% $5,878
    The Loan Store, Inc. 1 5.63% $18,833
    UNION HOME MORTGAGE CORP. 1 6.13% $5,388
    U.S. Bank 1 5.75% $2,699
    Wells Fargo Bank 1 6.25% $3,386
    Willamette Valley Bank 1 6.63% $8,178

    The top Shelton VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 36 VA loans originated. Their average total fees are $7,108, which is $308 lower than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Shelton VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($6,186), UNITED WHOLESALE MORTGAGE, LLC ($7,108), Mortgage Research Center, LLC ($7,415), EAGLE HOME MORTGAGE, LLC ($9,286) and CROSSCOUNTRY MORTGAGE, LLC ($9,511).

    The lowest rate Shelton VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.35%), QUICKEN LOANS, LLC (5.77%), UNITED WHOLESALE MORTGAGE, LLC (5.89%), NAVY FEDERAL CREDIT UNION (5.98%) and FREEDOM MORTGAGE CORPORATION (6.02%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Shelton (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 $238,850 (8.9%) $300,461 (8.9%) 0.00 199
    2018-02-01 $243,631 (4.6%) $307,423 (7.1%) 0.00 179
    2018-03-01 $259,450 (8.4%) $332,454 (12.4%) 0.00 183
    2018-04-01 $274,750 (15.0%) $340,965 (15.9%) 0.00 182
    2018-05-01 $296,000 (20.2%) $360,929 (16.8%) 0.00 203
    2018-06-01 $295,000 (18.0%) $364,070 (11.3%) 0.00 250
    2018-07-01 $297,445 (14.5%) $375,929 (12.2%) 0.00 282
    2018-08-01 $299,163 (12.9%) $382,346 (13.5%) 0.00 306
    2018-09-01 $299,900 (11.5%) $382,816 (13.3%) 0.00 309
    2018-10-01 $292,450 (15.2%) $369,470 (13.7%) 0.00 297
    2018-11-01 $299,000 (18.9%) $365,180 (14.2%) 0.00 237
    2018-12-01 $302,450 (21.3%) $372,771 (20.2%) 0.00 223
    2019-01-01 $294,000 (23.1%) $374,067 (24.5%) 0.00 200
    2019-02-01 $306,000 (25.6%) $382,504 (24.4%) 0.00 175
    2019-03-01 $315,136 (21.5%) $404,239 (21.6%) 0.00 164
    2019-04-01 $329,075 (19.8%) $431,834 (26.7%) 0.00 168
    2019-05-01 $329,248 (11.2%) $408,478 (13.2%) 0.00 206
    2019-06-01 $329,000 (11.5%) $397,043 (9.1%) 0.00 241
    2019-07-01 $337,000 (13.3%) $410,046 (9.1%) 0.00 243
    2019-08-01 $332,273 (11.1%) $408,988 (7.0%) 0.00 254
    2019-09-01 $328,182 (9.4%) $409,310 (6.9%) 0.00 258
    2019-10-01 $325,000 (11.1%) $408,273 (10.5%) 0.00 252
    2019-11-01 $314,975 (5.3%) $382,159 (4.7%) 0.00 217
    2019-12-01 $299,125 (-1.1%) $384,226 (3.1%) 0.00 181
    2020-01-01 $311,250 (5.9%) $386,223 (3.3%) 0.00 163
    2020-02-01 $300,000 (-2.0%) $377,848 (-1.2%) 0.00 152
    2020-03-01 $329,750 (4.6%) $405,688 (0.4%) 0.00 176
    2020-04-01 $333,500 (1.3%) $406,435 (-5.9%) 0.00 189
    2020-05-01 $349,000 (6.0%) $430,189 (5.3%) 0.00 187
    2020-06-01 $376,550 (14.5%) $444,571 (12.0%) 0.00 174
    2020-07-01 $386,500 (14.7%) $445,455 (8.6%) 0.00 166
    2020-08-01 $359,750 (8.3%) $444,776 (8.8%) 0.00 147
    2020-09-01 $363,750 (10.8%) $455,886 (11.4%) 0.00 129
    2020-10-01 $350,000 (7.7%) $455,281 (11.5%) 0.00 117
    2020-11-01 $337,250 (7.1%) $441,803 (15.6%) 0.00 73
    2020-12-01 $344,748 (15.3%) $397,649 (3.5%) 0.00 59
    2021-01-01 $326,250 (4.8%) $392,237 (1.6%) 0.00 40
    2021-02-01 $381,975 (27.3%) $453,077 (19.9%) 0.00 41
    2021-03-01 $332,000 (0.7%) $415,918 (2.5%) 0.00 47
    2021-04-01 $385,738 (15.7%) $448,635 (10.4%) 0.00 58
    2021-05-01 $390,000 (11.8%) $452,186 (5.1%) 0.00 62
    2021-06-01 $383,000 (1.7%) $511,775 (15.1%) 0.00 75
    2021-07-01 $432,000 (11.8%) $539,807 (21.2%) 0.00 82
    2021-08-01 $432,125 (20.1%) $552,748 (24.3%) 0.00 88
    2021-09-01 $429,500 (18.1%) $553,262 (21.4%) 0.00 104
    2021-10-01 $445,000 (27.1%) $569,288 (25.0%) 0.00 80
    2021-11-01 $474,500 (40.7%) $580,783 (31.5%) 0.00 70
    2021-12-01 $482,500 (40.0%) $645,326 (62.3%) 0.00 55
    2022-01-01 $480,000 (47.1%) $691,080 (76.2%) 0.00 40
    2022-02-01 $493,500 (29.2%) $746,056 (64.7%) 0.00 49
    2022-03-01 $502,450 (51.3%) $690,510 (66.0%) 0.00 51
    2022-04-01 $500,000 (29.6%) $688,261 (53.4%) 0.00 72
    2022-05-01 $519,063 (33.1%) $719,964 (59.2%) 0.00 97
    2022-06-01 $507,375 (32.5%) $665,538 (30.1%) 0.00 138
    2022-07-01 $499,000 (15.5%) $637,957 (18.2%) 0.00 177
    2022-08-01 $497,000 (15.0%) $615,561 (11.4%) 0.00 212
    2022-09-01 $488,750 (13.8%) $606,762 (9.7%) 0.00 206
    2022-10-01 $475,000 (6.7%) $601,346 (5.6%) 0.00 197
    2022-11-01 $475,225 (0.2%) $612,248 (5.4%) 0.00 188
    2022-12-01 $475,000 (-1.6%) $589,022 (-8.7%) 0.00 153
    2023-01-01 $475,000 (-1.0%) $640,947 (-7.3%) 0.00 130
    2023-02-01 $473,875 (-4.0%) $701,078 (-6.0%) 0.00 102
    2023-03-01 $499,475 (-0.6%) $740,022 (7.2%) 0.00 106
    2023-04-01 $521,500 (4.3%) $797,945 (15.9%) 0.00 105
    2023-05-01 $502,188 (-3.3%) $710,318 (-1.3%) 0.00 121
    2023-06-01 $498,750 (-1.7%) $701,329 (5.4%) 0.00 142
    2023-07-01 $512,475 (2.7%) $687,760 (7.8%) 0.00 160
    2023-08-01 $505,000 (1.6%) $678,603 (10.2%) 0.00 153
    2023-09-01 $530,000 (8.4%) $695,637 (14.7%) 0.00 149
    2023-10-01 $499,983 (5.3%) $648,693 (7.9%) 0.00 160
    2023-11-01 $473,712 (-0.3%) $601,230 (-1.8%) 0.00 178
    2023-12-01 $472,725 (-0.5%) $594,883 (1.0%) 0.00 160
    2024-01-01 $463,663 (-2.4%) $592,976 (-7.5%) 0.00 124
    2024-02-01 $467,488 (-1.4%) $631,246 (-10.0%) 0.00 113
    2024-03-01 $467,500 (-6.4%) $645,029 (-12.8%) 0.00 126
    2024-04-01 $499,250 (-4.3%) $655,370 (-17.9%) 0.00 168
    2024-05-01 $516,475 (2.9%) $640,164 (-9.9%) 0.00 213
    2024-06-01 $539,000 (8.1%) $649,003 (-7.5%) 0.00 230
    2024-07-01 $516,213 (0.7%) $621,522 (-9.6%) 0.00 254
    2024-08-01 $479,000 (-5.2%) $588,480 (-13.3%) 0.00 278
    2024-09-01 $485,213 (-8.5%) $583,991 (-16.1%) 0.00 248
    2024-10-01 $493,500 (-1.3%) $574,023 (-11.5%) 0.00 242
    2024-11-01 $475,700 (0.4%) $578,401 (-3.8%) 0.00 231
    2024-12-01 $485,000 (2.6%) $575,645 (-3.2%) 0.00 189
    2025-01-01 $465,975 (0.5%) $574,042 (-3.2%) 0.00 161
    2025-02-01 $480,500 (2.8%) $596,866 (-5.5%) 0.00 153
    2025-03-01 $499,950 (6.9%) $634,887 (-1.6%) 0.00 154
    Shelton's median listing price for 2025-03-01 was $499,950, a difference of $32,450 (6.9%) versus the prior year and $19,450 versus the prior month.

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

    Shelton's average listing price for 2025-03-01 was $634,887, a difference of $-10,142 (-1.6%) versus the prior year and $38,021 versus the prior month.

    For the 2025-03-01 period, Shelton had 154 MLS listings, a difference of 1 listings (1%) versus the prior month and 28 listings (22%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Shelton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,636 sqft
    2018-02-01 0 days 1,598 sqft
    2018-03-01 0 days 1,626 sqft
    2018-04-01 0 days 1,599 sqft
    2018-05-01 0 days 1,598 sqft
    2018-06-01 0 days 1,680 sqft
    2018-07-01 0 days 1,728 sqft
    2018-08-01 0 days 1,750 sqft
    2018-09-01 0 days 1,780 sqft
    2018-10-01 0 days 1,763 sqft
    2018-11-01 0 days 1,770 sqft
    2018-12-01 0 days 1,840 sqft
    2019-01-01 0 days 1,782 sqft
    2019-02-01 0 days 1,785 sqft
    2019-03-01 0 days 1,779 sqft
    2019-04-01 0 days 1,766 sqft
    2019-05-01 0 days 1,758 sqft
    2019-06-01 0 days 1,758 sqft
    2019-07-01 0 days 1,786 sqft
    2019-08-01 0 days 1,767 sqft
    2019-09-01 0 days 1,749 sqft
    2019-10-01 0 days 1,730 sqft
    2019-11-01 0 days 1,686 sqft
    2019-12-01 0 days 1,683 sqft
    2020-01-01 0 days 1,706 sqft
    2020-02-01 0 days 1,666 sqft
    2020-03-01 0 days 1,657 sqft
    2020-04-01 0 days 1,680 sqft
    2020-05-01 0 days 1,702 sqft
    2020-06-01 0 days 1,702 sqft
    2020-07-01 0 days 1,740 sqft
    2020-08-01 0 days 1,572 sqft
    2020-09-01 0 days 1,660 sqft
    2020-10-01 0 days 1,750 sqft
    2020-11-01 0 days 1,559 sqft
    2020-12-01 0 days 1,647 sqft
    2021-01-01 0 days 1,480 sqft
    2021-02-01 0 days 1,573 sqft
    2021-03-01 0 days 1,450 sqft
    2021-04-01 0 days 1,569 sqft
    2021-05-01 0 days 1,620 sqft
    2021-06-01 0 days 1,560 sqft
    2021-07-01 0 days 1,720 sqft
    2021-08-01 0 days 1,762 sqft
    2021-09-01 0 days 1,720 sqft
    2021-10-01 0 days 1,836 sqft
    2021-11-01 0 days 1,739 sqft
    2021-12-01 0 days 1,772 sqft
    2022-01-01 0 days 1,814 sqft
    2022-02-01 0 days 1,802 sqft
    2022-03-01 0 days 1,805 sqft
    2022-04-01 0 days 1,718 sqft
    2022-05-01 0 days 1,750 sqft
    2022-06-01 0 days 1,794 sqft
    2022-07-01 0 days 1,752 sqft
    2022-08-01 0 days 1,764 sqft
    2022-09-01 0 days 1,767 sqft
    2022-10-01 0 days 1,764 sqft
    2022-11-01 0 days 1,805 sqft
    2022-12-01 0 days 1,765 sqft
    2023-01-01 0 days 1,752 sqft
    2023-02-01 0 days 1,737 sqft
    2023-03-01 0 days 1,783 sqft
    2023-04-01 0 days 1,792 sqft
    2023-05-01 0 days 1,662 sqft
    2023-06-01 0 days 1,743 sqft
    2023-07-01 0 days 1,768 sqft
    2023-08-01 0 days 1,769 sqft
    2023-09-01 0 days 1,815 sqft
    2023-10-01 0 days 1,747 sqft
    2023-11-01 0 days 1,711 sqft
    2023-12-01 0 days 1,768 sqft
    2024-01-01 0 days 1,746 sqft
    2024-02-01 0 days 1,768 sqft
    2024-03-01 0 days 1,877 sqft
    2024-04-01 0 days 1,725 sqft
    2024-05-01 0 days 1,747 sqft
    2024-06-01 0 days 1,815 sqft
    2024-07-01 0 days 1,777 sqft
    2024-08-01 0 days 1,680 sqft
    2024-09-01 0 days 1,680 sqft
    2024-10-01 0 days 1,678 sqft
    2024-11-01 0 days 1,680 sqft
    2024-12-01 0 days 1,682 sqft
    2025-01-01 0 days 1,715 sqft
    2025-02-01 0 days 1,706 sqft
    2025-03-01 0 days 1,721 sqft
    Shelton's median listing age (time on market) for 2025-03-01 was 0 days.

    Shelton's median square footage for active listings during the 2025-03-01 period was 1,721 sqft. One year prior, the average listing was 1,877 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.