Sonora VA Loan Rates, Closing Costs & Stats

Sonora, 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.

    Sonora's 21 lenders originated 59 VA loans during 2024. The total origination value was $25,075,000, with an average VA loan value of $425,000.

    Sonora VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Sonora averaged 0.58% for the week of 2025-05-30, compared to the national average (all VA variants) of 0% for the same period.

    Sonora's average VA mortgage closing costs are $6,248.

    The average rate for the prior week (2025-05-23) was 7.29% and one month ago for the week of 2025-04-25, the average rate was 7.1%.

    The average rate one year ago was 7.35%.

    For refis of the same type during the week of 2025-05-30, the average rate was -0.05%.

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

    Sonora 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 Sonora level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 18 5.91% $4,704
    Mortgage Research Center, LLC 6 6.25% $2,556
    QUICKEN LOANS, LLC 6 5.83% $8,916
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.60% $12,652
    SUN WEST MORTGAGE COMPANY, INC. 3 6.46% $5,844
    FREEDOM MORTGAGE CORPORATION 2 6.00% $5,463
    NEWREZ LLC 2 6.50% $18,681
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.50% $16,615
    Equity Prime Mortgage LLC 2 6.31% $11,370
    The Federal Savings Bank 1 6.63% $8,949
    Umpqua Bank 1 7.00% $10,480
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.25% $9,310
    VILLAGE CAPITAL MORTGAGE 1 5.75% $4,752
    Century Mortgage Company DBA Century Lending Company 1 5.63% $5,229
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $2,212
    LOANDEPOT.COM, LLC 1 4.99% $22,600
    MORTGAGEONE, INC. 1 5.75% $13,962
    NAVY FEDERAL CREDIT UNION 1 6.25% $3,502
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.75% $386
    NP, Inc. 1 6.75% $0
    Paramount Residential Mortgage Group, Inc. 1 6.25% $9,785

    The top Sonora VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 18 VA loans originated. Their average total fees are $4,704, which is $2,148 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Sonora VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($4,704), .

    The lowest rate Sonora VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.91%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Sonora (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 $324,500 (3.0%) $388,470 (-0.4%) 0.00 312
    2018-02-01 $325,000 (3.7%) $400,783 (1.8%) 0.00 295
    2018-03-01 $325,000 (2.4%) $399,730 (0.1%) 0.00 310
    2018-04-01 $344,250 (5.9%) $419,193 (5.5%) 0.00 325
    2018-05-01 $349,950 (7.7%) $436,029 (8.5%) 0.00 361
    2018-06-01 $350,000 (6.4%) $435,669 (10.2%) 0.00 415
    2018-07-01 $349,250 (7.5%) $423,195 (10.7%) 0.00 498
    2018-08-01 $348,000 (7.1%) $421,631 (8.7%) 0.00 523
    2018-09-01 $339,000 (6.1%) $414,825 (7.1%) 0.00 530
    2018-10-01 $336,875 (6.3%) $406,759 (3.0%) 0.00 506
    2018-11-01 $339,000 (9.7%) $405,100 (4.2%) 0.00 466
    2018-12-01 $329,000 (6.5%) $400,151 (5.0%) 0.00 425
    2019-01-01 $334,200 (3.0%) $408,435 (5.1%) 0.00 342
    2019-02-01 $329,450 (1.4%) $403,979 (0.8%) 0.00 331
    2019-03-01 $333,693 (2.7%) $410,123 (2.6%) 0.00 348
    2019-04-01 $339,475 (-1.4%) $416,794 (-0.6%) 0.00 397
    2019-05-01 $347,225 (-0.8%) $428,450 (-1.7%) 0.00 476
    2019-06-01 $354,725 (1.4%) $432,958 (-0.6%) 0.00 547
    2019-07-01 $349,800 (0.2%) $420,551 (-0.6%) 0.00 613
    2019-08-01 $346,636 (-0.4%) $416,210 (-1.3%) 0.00 630
    2019-09-01 $342,341 (1.0%) $415,306 (0.1%) 0.00 626
    2019-10-01 $342,477 (1.7%) $414,679 (2.0%) 0.00 613
    2019-11-01 $339,000 (0.0%) $415,095 (2.5%) 0.00 555
    2019-12-01 $336,000 (2.1%) $427,851 (6.9%) 0.00 474
    2020-01-01 $329,000 (-1.6%) $426,047 (4.3%) 0.00 363
    2020-02-01 $329,450 (0.0%) $428,953 (6.2%) 0.00 349
    2020-03-01 $339,250 (1.7%) $423,493 (3.3%) 0.00 365
    2020-04-01 $336,350 (-0.9%) $420,924 (1.0%) 0.00 351
    2020-05-01 $338,500 (-2.5%) $424,892 (-0.8%) 0.00 352
    2020-06-01 $359,750 (1.4%) $436,438 (0.8%) 0.00 338
    2020-07-01 $369,963 (5.8%) $445,957 (6.0%) 0.00 319
    2020-08-01 $379,600 (9.5%) $461,660 (10.9%) 0.00 253
    2020-09-01 $376,750 (10.1%) $543,551 (30.9%) 0.00 245
    2020-10-01 $375,000 (9.5%) $543,205 (31.0%) 0.00 250
    2020-11-01 $397,000 (17.1%) $492,644 (18.7%) 0.00 221
    2020-12-01 $399,925 (19.0%) $516,574 (20.7%) 0.00 193
    2021-01-01 $435,000 (32.2%) $544,232 (27.7%) 0.00 165
    2021-02-01 $470,000 (42.7%) $588,717 (37.3%) 0.00 131
    2021-03-01 $474,750 (39.9%) $559,712 (32.2%) 0.00 132
    2021-04-01 $449,998 (33.8%) $534,312 (26.9%) 0.00 160
    2021-05-01 $448,500 (32.5%) $522,519 (23.0%) 0.00 178
    2021-06-01 $455,475 (26.6%) $532,597 (22.0%) 0.00 199
    2021-07-01 $449,999 (21.6%) $533,063 (19.5%) 0.00 207
    2021-08-01 $441,100 (16.2%) $519,087 (12.4%) 0.00 231
    2021-09-01 $432,500 (14.8%) $517,751 (-4.8%) 0.00 249
    2021-10-01 $437,000 (16.5%) $534,538 (-1.6%) 0.00 265
    2021-11-01 $457,500 (15.2%) $565,975 (14.9%) 0.00 239
    2021-12-01 $479,894 (20.0%) $594,450 (15.1%) 0.00 187
    2022-01-01 $497,475 (14.4%) $626,495 (15.1%) 0.00 131
    2022-02-01 $495,000 (5.3%) $638,177 (8.4%) 0.00 118
    2022-03-01 $499,250 (5.2%) $624,496 (11.6%) 0.00 140
    2022-04-01 $491,500 (9.2%) $595,714 (11.5%) 0.00 159
    2022-05-01 $480,167 (7.1%) $1,251,470 (139.5%) 0.00 213
    2022-06-01 $472,500 (3.7%) $579,121 (8.7%) 0.00 265
    2022-07-01 $459,000 (2.0%) $549,897 (3.2%) 0.00 314
    2022-08-01 $449,450 (1.9%) $528,339 (1.8%) 0.00 343
    2022-09-01 $448,000 (3.6%) $532,593 (2.9%) 0.00 318
    2022-10-01 $449,000 (2.8%) $534,937 (0.1%) 0.00 314
    2022-11-01 $434,500 (-5.0%) $531,445 (-6.1%) 0.00 300
    2022-12-01 $440,450 (-8.2%) $541,607 (-8.9%) 0.00 246
    2023-01-01 $429,950 (-13.6%) $543,852 (-13.2%) 0.00 199
    2023-02-01 $449,000 (-9.3%) $558,531 (-12.5%) 0.00 180
    2023-03-01 $454,950 (-8.9%) $571,613 (-8.5%) 0.00 150
    2023-04-01 $469,000 (-4.6%) $584,771 (-1.8%) 0.00 163
    2023-05-01 $479,750 (-0.1%) $607,182 (-51.5%) 0.00 196
    2023-06-01 $489,875 (3.7%) $594,302 (2.6%) 0.00 258
    2023-07-01 $489,000 (6.5%) $570,103 (3.7%) 0.00 281
    2023-08-01 $456,999 (1.7%) $560,130 (6.0%) 0.00 303
    2023-09-01 $449,000 (0.2%) $541,600 (1.7%) 0.00 320
    2023-10-01 $449,000 (0.0%) $535,897 (0.2%) 0.00 340
    2023-11-01 $436,750 (0.5%) $527,214 (-0.8%) 0.00 338
    2023-12-01 $426,250 (-3.2%) $529,449 (-2.2%) 0.00 287
    2024-01-01 $429,999 (0.0%) $518,380 (-4.7%) 0.00 230
    2024-02-01 $423,500 (-5.7%) $517,177 (-7.4%) 0.00 205
    2024-03-01 $444,500 (-2.3%) $537,855 (-5.9%) 0.00 218
    2024-04-01 $450,000 (-4.1%) $555,835 (-5.0%) 0.00 267
    2024-05-01 $465,000 (-3.1%) $574,691 (-5.4%) 0.00 309
    2024-06-01 $472,950 (-3.5%) $574,286 (-3.4%) 0.00 358
    2024-07-01 $465,000 (-4.9%) $562,717 (-1.3%) 0.00 419
    2024-08-01 $469,000 (2.6%) $561,843 (0.3%) 0.00 424
    2024-09-01 $467,000 (4.0%) $559,014 (3.2%) 0.00 437
    2024-10-01 $454,000 (1.1%) $545,249 (1.8%) 0.00 448
    2024-11-01 $447,750 (2.5%) $528,841 (0.3%) 0.00 428
    2024-12-01 $428,469 (0.5%) $515,414 (-2.7%) 0.00 401
    2025-01-01 $422,000 (-1.9%) $507,912 (-2.0%) 0.00 321
    2025-02-01 $429,208 (1.4%) $525,506 (1.6%) 0.00 336
    2025-03-01 $430,000 (-3.3%) $536,403 (-0.3%) 0.00 370
    2025-04-01 $449,900 (0.0%) $540,735 (-2.7%) 0.00 405
    Sonora's median listing price for 2025-04-01 was $449,900, a difference of $-100 (0.0%) versus the prior year and $19,900 versus the prior month.

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

    Sonora's average listing price for 2025-04-01 was $540,735, a difference of $-15,100 (-2.7%) versus the prior year and $4,332 versus the prior month.

    For the 2025-04-01 period, Sonora had 405 MLS listings, a difference of 35 listings (9%) versus the prior month and 138 listings (52%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sonora (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,731 sqft
    2018-02-01 0 days 1,743 sqft
    2018-03-01 0 days 1,750 sqft
    2018-04-01 0 days 1,775 sqft
    2018-05-01 0 days 1,841 sqft
    2018-06-01 0 days 1,873 sqft
    2018-07-01 0 days 1,792 sqft
    2018-08-01 0 days 1,774 sqft
    2018-09-01 0 days 1,786 sqft
    2018-10-01 0 days 1,760 sqft
    2018-11-01 0 days 1,782 sqft
    2018-12-01 0 days 1,762 sqft
    2019-01-01 0 days 1,798 sqft
    2019-02-01 0 days 1,760 sqft
    2019-03-01 0 days 1,790 sqft
    2019-04-01 0 days 1,815 sqft
    2019-05-01 0 days 1,840 sqft
    2019-06-01 0 days 1,844 sqft
    2019-07-01 0 days 1,819 sqft
    2019-08-01 0 days 1,811 sqft
    2019-09-01 0 days 1,816 sqft
    2019-10-01 0 days 1,822 sqft
    2019-11-01 0 days 1,801 sqft
    2019-12-01 0 days 1,803 sqft
    2020-01-01 0 days 1,793 sqft
    2020-02-01 0 days 1,780 sqft
    2020-03-01 0 days 1,765 sqft
    2020-04-01 0 days 1,789 sqft
    2020-05-01 0 days 1,772 sqft
    2020-06-01 0 days 1,813 sqft
    2020-07-01 0 days 1,816 sqft
    2020-08-01 0 days 1,784 sqft
    2020-09-01 0 days 1,788 sqft
    2020-10-01 0 days 1,786 sqft
    2020-11-01 0 days 1,797 sqft
    2020-12-01 0 days 1,801 sqft
    2021-01-01 0 days 1,812 sqft
    2021-02-01 0 days 1,808 sqft
    2021-03-01 0 days 1,813 sqft
    2021-04-01 0 days 1,788 sqft
    2021-05-01 0 days 1,794 sqft
    2021-06-01 0 days 1,786 sqft
    2021-07-01 0 days 1,777 sqft
    2021-08-01 0 days 1,717 sqft
    2021-09-01 0 days 1,719 sqft
    2021-10-01 0 days 1,710 sqft
    2021-11-01 0 days 1,809 sqft
    2021-12-01 0 days 1,839 sqft
    2022-01-01 0 days 1,848 sqft
    2022-02-01 0 days 1,794 sqft
    2022-03-01 0 days 1,878 sqft
    2022-04-01 0 days 1,820 sqft
    2022-05-01 0 days 1,761 sqft
    2022-06-01 0 days 1,810 sqft
    2022-07-01 0 days 1,759 sqft
    2022-08-01 0 days 1,759 sqft
    2022-09-01 0 days 1,771 sqft
    2022-10-01 0 days 1,738 sqft
    2022-11-01 0 days 1,721 sqft
    2022-12-01 0 days 1,721 sqft
    2023-01-01 0 days 1,664 sqft
    2023-02-01 0 days 1,743 sqft
    2023-03-01 0 days 1,781 sqft
    2023-04-01 0 days 1,748 sqft
    2023-05-01 0 days 1,792 sqft
    2023-06-01 0 days 1,829 sqft
    2023-07-01 0 days 1,801 sqft
    2023-08-01 0 days 1,797 sqft
    2023-09-01 0 days 1,736 sqft
    2023-10-01 0 days 1,732 sqft
    2023-11-01 0 days 1,696 sqft
    2023-12-01 0 days 1,680 sqft
    2024-01-01 0 days 1,650 sqft
    2024-02-01 0 days 1,620 sqft
    2024-03-01 0 days 1,685 sqft
    2024-04-01 0 days 1,726 sqft
    2024-05-01 0 days 1,753 sqft
    2024-06-01 0 days 1,804 sqft
    2024-07-01 0 days 1,819 sqft
    2024-08-01 0 days 1,812 sqft
    2024-09-01 0 days 1,809 sqft
    2024-10-01 0 days 1,716 sqft
    2024-11-01 0 days 1,714 sqft
    2024-12-01 0 days 1,651 sqft
    2025-01-01 0 days 1,638 sqft
    2025-02-01 0 days 1,641 sqft
    2025-03-01 0 days 1,659 sqft
    2025-04-01 0 days 1,713 sqft
    Sonora's median listing age (time on market) for 2025-04-01 was 0 days.

    Sonora's median square footage for active listings during the 2025-04-01 period was 1,713 sqft. One year prior, the average listing was 1,726 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.