St. George VA Loan Rates, Closing Costs & Stats
ST. GEORGE, UT
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.
St. George's 51 lenders originated 200 VA loans during 2023. The total origination value was $94,860,000, with an average VA loan value of $474,300.
St. George VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in St. George
averaged
6.11%
for the week of 2024-12-13, compared to the national average (all VA variants) of
6.077% for the same period.
St. George's average VA mortgage closing costs are $6,840.
The average rate for the prior week (2024-12-06) was
6.25% and
one month ago for the week of 2024-11-08, the
average rate was 6.44%.
The average rate one year ago was 6.49%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.61%.
St. George 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 St. George level.
The top St. George VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
33 VA loans originated. Their average total fees are
$11,383, which is $4,242
lower than the next largest lender,
GUILD MORTGAGE COMPANY.
The lowest fee St. George VA lenders (with over 10 loans originated) are
FIRST COLONY MORTGAGE CORPORATION ($10,933), UNITED WHOLESALE MORTGAGE, LLC ($11,383), SUN AMERICAN MORTGAGE COMPANY ($12,393), GUILD MORTGAGE COMPANY ($15,625) and .
The lowest rate St. George VA lenders (with over 10 loans originated) are
SUN AMERICAN MORTGAGE COMPANY (6.04%), FIRST COLONY MORTGAGE CORPORATION (6.07%), UNITED WHOLESALE MORTGAGE, LLC (6.18%), GUILD MORTGAGE COMPANY (6.27%) and .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - St. George (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $364,950 (6.6%) | $468,710 (0.7%) | 0.00 | 1,049 |
2018-02-01 | $379,450 (8.5%) | $538,718 (14.9%) | 0.00 | 1,149 |
2018-03-01 | $379,900 (8.6%) | $537,314 (16.3%) | 0.00 | 1,142 |
2018-04-01 | $390,875 (11.7%) | $561,402 (22.0%) | 0.00 | 1,072 |
2018-05-01 | $396,250 (6.4%) | $556,838 (7.0%) | 0.00 | 1,053 |
2018-06-01 | $389,000 (4.6%) | $541,935 (4.9%) | 0.00 | 1,064 |
2018-07-01 | $381,942 (6.1%) | $541,181 (6.3%) | 0.00 | 1,098 |
2018-08-01 | $388,900 (6.8%) | $478,965 (-6.5%) | 0.00 | 1,119 |
2018-09-01 | $386,173 (5.8%) | $495,232 (-3.5%) | 0.00 | 1,198 |
2018-10-01 | $379,900 (6.9%) | $484,825 (6.1%) | 0.00 | 1,294 |
2018-11-01 | $377,561 (7.3%) | $477,462 (4.6%) | 0.00 | 1,326 |
2018-12-01 | $379,950 (4.5%) | $479,560 (2.8%) | 0.00 | 1,246 |
2019-01-01 | $379,950 (4.1%) | $479,747 (2.4%) | 0.00 | 1,210 |
2019-02-01 | $397,000 (4.6%) | $493,515 (-8.4%) | 0.00 | 1,367 |
2019-03-01 | $399,900 (5.3%) | $499,486 (-7.0%) | 0.00 | 1,410 |
2019-04-01 | $399,900 (2.3%) | $495,762 (-11.7%) | 0.00 | 1,380 |
2019-05-01 | $399,900 (0.9%) | $501,703 (-9.9%) | 0.00 | 1,261 |
2019-06-01 | $399,900 (2.8%) | $502,227 (-7.3%) | 0.00 | 1,236 |
2019-07-01 | $409,175 (7.1%) | $2,166,063 (300.3%) | 0.00 | 1,187 |
2019-08-01 | $406,664 (4.6%) | $1,748,773 (265.1%) | 0.00 | 1,217 |
2019-09-01 | $402,634 (4.3%) | $1,049,189 (111.9%) | 0.00 | 1,298 |
2019-10-01 | $400,197 (5.3%) | $520,251 (7.3%) | 0.00 | 1,338 |
2019-11-01 | $418,135 (10.8%) | $527,888 (10.6%) | 0.00 | 1,220 |
2019-12-01 | $427,500 (12.5%) | $535,906 (11.8%) | 0.00 | 1,174 |
2020-01-01 | $429,450 (13.0%) | $538,565 (12.3%) | 0.00 | 1,161 |
2020-02-01 | $429,900 (8.3%) | $552,590 (12.0%) | 0.00 | 1,234 |
2020-03-01 | $439,900 (10.0%) | $569,943 (14.1%) | 0.00 | 1,250 |
2020-04-01 | $444,400 (11.1%) | $560,220 (13.0%) | 0.00 | 1,340 |
2020-05-01 | $439,900 (10.0%) | $568,815 (13.4%) | 0.00 | 1,213 |
2020-06-01 | $444,920 (11.3%) | $586,208 (16.7%) | 0.00 | 974 |
2020-07-01 | $454,000 (11.0%) | $603,191 (-72.2%) | 0.00 | 819 |
2020-08-01 | $456,000 (12.1%) | $641,269 (-63.3%) | 0.00 | 667 |
2020-09-01 | $467,500 (16.1%) | $678,244 (-35.4%) | 0.00 | 605 |
2020-10-01 | $500,000 (24.9%) | $758,599 (45.8%) | 0.00 | 513 |
2020-11-01 | $529,900 (26.7%) | $831,809 (57.6%) | 0.00 | 460 |
2020-12-01 | $538,425 (26.0%) | $828,405 (54.6%) | 0.00 | 413 |
2021-01-01 | $549,250 (27.9%) | $839,009 (55.8%) | 0.00 | 312 |
2021-02-01 | $584,832 (36.0%) | $846,219 (53.1%) | 0.00 | 287 |
2021-03-01 | $612,450 (39.2%) | $835,305 (46.6%) | 0.00 | 259 |
2021-04-01 | $635,086 (42.9%) | $840,053 (50.0%) | 0.00 | 254 |
2021-05-01 | $650,000 (47.8%) | $887,800 (56.1%) | 0.00 | 318 |
2021-06-01 | $649,925 (46.1%) | $1,270,947 (116.8%) | 0.00 | 413 |
2021-07-01 | $645,000 (42.1%) | $1,163,608 (92.9%) | 0.00 | 524 |
2021-08-01 | $625,000 (37.1%) | $1,102,629 (71.9%) | 0.00 | 593 |
2021-09-01 | $630,875 (35.0%) | $1,000,068 (47.5%) | 0.00 | 680 |
2021-10-01 | $620,000 (24.0%) | $990,752 (30.6%) | 0.00 | 703 |
2021-11-01 | $634,500 (19.7%) | $1,016,101 (22.2%) | 0.00 | 618 |
2021-12-01 | $659,950 (22.6%) | $1,100,818 (32.9%) | 0.00 | 506 |
2022-01-01 | $725,000 (32.0%) | $1,203,247 (43.4%) | 0.00 | 409 |
2022-02-01 | $770,000 (31.7%) | $1,276,826 (50.9%) | 0.00 | 369 |
2022-03-01 | $788,000 (28.7%) | $1,252,213 (49.9%) | 0.00 | 431 |
2022-04-01 | $779,500 (22.7%) | $986,129 (17.4%) | 0.00 | 473 |
2022-05-01 | $765,725 (17.8%) | $951,086 (7.1%) | 0.00 | 676 |
2022-06-01 | $739,950 (13.9%) | $901,399 (-29.1%) | 0.00 | 866 |
2022-07-01 | $699,900 (8.5%) | $848,270 (-27.1%) | 0.00 | 1,101 |
2022-08-01 | $665,925 (6.6%) | $799,705 (-27.5%) | 0.00 | 1,247 |
2022-09-01 | $656,475 (4.1%) | $788,189 (-21.2%) | 0.00 | 1,293 |
2022-10-01 | $649,900 (4.8%) | $778,238 (-21.5%) | 0.00 | 1,375 |
2022-11-01 | $649,450 (2.4%) | $776,142 (-23.6%) | 0.00 | 1,379 |
2022-12-01 | $649,500 (-1.6%) | $779,550 (-29.2%) | 0.00 | 1,319 |
2023-01-01 | $629,950 (-13.1%) | $770,741 (-35.9%) | 0.00 | 1,231 |
2023-02-01 | $659,000 (-14.4%) | $823,800 (-35.5%) | 0.00 | 1,269 |
2023-03-01 | $679,729 (-13.7%) | $863,229 (-31.1%) | 0.00 | 1,304 |
2023-04-01 | $675,000 (-13.4%) | $861,970 (-12.6%) | 0.00 | 1,230 |
2023-05-01 | $682,500 (-10.9%) | $885,256 (-6.9%) | 0.00 | 1,142 |
2023-06-01 | $692,425 (-6.4%) | $883,911 (-1.9%) | 0.00 | 1,096 |
2023-07-01 | $675,000 (-3.6%) | $854,619 (0.8%) | 0.00 | 1,096 |
2023-08-01 | $664,950 (-0.2%) | $833,927 (4.3%) | 0.00 | 1,074 |
2023-09-01 | $659,000 (0.4%) | $821,883 (4.3%) | 0.00 | 1,183 |
2023-10-01 | $675,000 (3.9%) | $843,645 (8.4%) | 0.00 | 1,259 |
2023-11-01 | $664,000 (2.2%) | $830,294 (7.0%) | 0.00 | 1,224 |
2023-12-01 | $649,900 (0.1%) | $828,988 (6.3%) | 0.00 | 1,193 |
2024-01-01 | $654,225 (3.9%) | $840,778 (9.1%) | 0.00 | 1,138 |
2024-02-01 | $696,073 (5.6%) | $919,231 (11.6%) | 0.00 | 1,234 |
2024-03-01 | $699,900 (3.0%) | $955,037 (10.6%) | 0.00 | 1,290 |
2024-04-01 | $698,750 (3.5%) | $954,287 (10.7%) | 0.00 | 1,244 |
2024-05-01 | $696,100 (2.0%) | $961,114 (8.6%) | 0.00 | 1,251 |
2024-06-01 | $679,900 (-1.8%) | $928,374 (5.0%) | 0.00 | 1,245 |
2024-07-01 | $659,500 (-2.3%) | $882,795 (3.3%) | 0.00 | 1,294 |
2024-08-01 | $650,000 (-2.3%) | $866,189 (3.9%) | 0.00 | 1,359 |
2024-09-01 | $659,973 (0.2%) | $854,698 (4.0%) | 0.00 | 1,506 |
2024-10-01 | $675,000 (0.0%) | $879,831 (4.3%) | 0.00 | 1,601 |
2024-11-01 | $665,000 (0.2%) | $877,859 (5.7%) | 0.00 | 1,578 |
St. George's median listing price comes in at 0% of the national average.
St. George's average listing price for 2024-11-01 was $877,859, a difference of $47,565 (5.7%) versus the prior year and $-1,972 versus the prior month.
For the 2024-11-01 period, St. George had 1,578 MLS listings, a difference of -23 listings (-1%) versus the prior month and 354 listings (29%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - St. George (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 2,241 sqft |
2018-02-01 | 0 days | 2,281 sqft |
2018-03-01 | 0 days | 2,258 sqft |
2018-04-01 | 0 days | 2,292 sqft |
2018-05-01 | 0 days | 2,293 sqft |
2018-06-01 | 0 days | 2,249 sqft |
2018-07-01 | 0 days | 2,223 sqft |
2018-08-01 | 0 days | 2,239 sqft |
2018-09-01 | 0 days | 2,246 sqft |
2018-10-01 | 0 days | 2,205 sqft |
2018-11-01 | 0 days | 2,179 sqft |
2018-12-01 | 0 days | 2,184 sqft |
2019-01-01 | 0 days | 2,174 sqft |
2019-02-01 | 0 days | 2,191 sqft |
2019-03-01 | 0 days | 2,247 sqft |
2019-04-01 | 0 days | 2,238 sqft |
2019-05-01 | 0 days | 2,240 sqft |
2019-06-01 | 0 days | 2,200 sqft |
2019-07-01 | 0 days | 2,186 sqft |
2019-08-01 | 0 days | 2,180 sqft |
2019-09-01 | 0 days | 2,173 sqft |
2019-10-01 | 0 days | 2,191 sqft |
2019-11-01 | 0 days | 2,268 sqft |
2019-12-01 | 0 days | 2,293 sqft |
2020-01-01 | 0 days | 2,271 sqft |
2020-02-01 | 0 days | 2,255 sqft |
2020-03-01 | 0 days | 2,305 sqft |
2020-04-01 | 0 days | 2,309 sqft |
2020-05-01 | 0 days | 2,300 sqft |
2020-06-01 | 0 days | 2,304 sqft |
2020-07-01 | 0 days | 2,319 sqft |
2020-08-01 | 0 days | 2,330 sqft |
2020-09-01 | 0 days | 2,353 sqft |
2020-10-01 | 0 days | 2,466 sqft |
2020-11-01 | 0 days | 2,502 sqft |
2020-12-01 | 0 days | 2,500 sqft |
2021-01-01 | 0 days | 2,569 sqft |
2021-02-01 | 0 days | 2,536 sqft |
2021-03-01 | 0 days | 2,459 sqft |
2021-04-01 | 0 days | 2,499 sqft |
2021-05-01 | 0 days | 2,574 sqft |
2021-06-01 | 0 days | 2,525 sqft |
2021-07-01 | 0 days | 2,389 sqft |
2021-08-01 | 0 days | 2,294 sqft |
2021-09-01 | 0 days | 2,320 sqft |
2021-10-01 | 0 days | 2,323 sqft |
2021-11-01 | 0 days | 2,335 sqft |
2021-12-01 | 0 days | 2,458 sqft |
2022-01-01 | 0 days | 2,568 sqft |
2022-02-01 | 0 days | 2,570 sqft |
2022-03-01 | 0 days | 2,555 sqft |
2022-04-01 | 0 days | 2,498 sqft |
2022-05-01 | 0 days | 2,444 sqft |
2022-06-01 | 0 days | 2,353 sqft |
2022-07-01 | 0 days | 2,291 sqft |
2022-08-01 | 0 days | 2,222 sqft |
2022-09-01 | 0 days | 2,218 sqft |
2022-10-01 | 0 days | 2,173 sqft |
2022-11-01 | 0 days | 2,178 sqft |
2022-12-01 | 0 days | 2,174 sqft |
2023-01-01 | 0 days | 2,154 sqft |
2023-02-01 | 0 days | 2,222 sqft |
2023-03-01 | 0 days | 2,263 sqft |
2023-04-01 | 0 days | 2,270 sqft |
2023-05-01 | 0 days | 2,340 sqft |
2023-06-01 | 0 days | 2,350 sqft |
2023-07-01 | 0 days | 2,270 sqft |
2023-08-01 | 0 days | 2,262 sqft |
2023-09-01 | 0 days | 2,271 sqft |
2023-10-01 | 0 days | 2,318 sqft |
2023-11-01 | 0 days | 2,290 sqft |
2023-12-01 | 0 days | 2,267 sqft |
2024-01-01 | 0 days | 2,255 sqft |
2024-02-01 | 0 days | 2,337 sqft |
2024-03-01 | 0 days | 2,347 sqft |
2024-04-01 | 0 days | 2,341 sqft |
2024-05-01 | 0 days | 2,334 sqft |
2024-06-01 | 0 days | 2,334 sqft |
2024-07-01 | 0 days | 2,270 sqft |
2024-08-01 | 0 days | 2,250 sqft |
2024-09-01 | 0 days | 2,280 sqft |
2024-10-01 | 0 days | 2,316 sqft |
2024-11-01 | 0 days | 2,306 sqft |
St. George's median square footage for active listings during the 2024-11-01 period was 2,306 sqft. One year prior, the average listing was 2,290 sqft.