St. George VA Loan Rates, Closing Costs & Stats

ST. GEORGE, UT

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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.

    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 0.23% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    St. George's average VA mortgage closing costs are $6,840.

    The average rate for the prior week (2024-11-08) was 6.54% and one month ago for the week of 2024-10-11, the average rate was 5.91%.

    The average rate one year ago was 7.3%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0.24%.

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

    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.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 33 6.18% $11,383
    GUILD MORTGAGE COMPANY 21 6.27% $15,625
    FIRST COLONY MORTGAGE CORPORATION 17 6.07% $10,933
    SUN AMERICAN MORTGAGE COMPANY 14 6.04% $12,393
    INTERCAP LENDING INC. 9 6.29% $8,523
    Mortgage Research Center, LLC 8 6.67% $5,928
    QUICKEN LOANS, LLC 7 6.34% $19,738
    PENNYMAC LOAN SERVICES, LLC 5 6.18% $5,981
    VILLAGE CAPITAL MORTGAGE 4 5.82% $16,836
    AMERICAN FINANCIAL NETWORK, INC. 4 5.91% $7,756
    Mr. Cooper ( Nationstar Mortgage ) 3 5.83% $24,699
    BELEM SERVICING LLC 3 6.83% $3,493
    CARDINAL FINANCIAL 3 5.75% $17,809
    DHI MORTGAGE COMPANY, LTD. 3 5.95% $7,825
    MOUNTAIN AMERICA 3 6.29% $5,961
    MY MOVE MORTGAGE, LLC 3 6.67% $18,778
    NEWREZ LLC 3 5.75% $18,184
    Flagstar Bank, FSB 2 6.69% $8,917
    MOVEMENT MORTGAGE, LLC 2 6.56% $13,182
    ACADEMY MORTGAGE CORPORATION 2 6.94% $7,284
    MUTUAL OF OMAHA MORTGAGE, INC. 2 5.94% $17,593
    VERITAS FUNDING, LLC 2 6.06% $12,263
    LOANDEPOT.COM, LLC 2 5.81% $11,877
    BROKER SOLUTIONS, INC. 2 6.38% $4,736
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.38% $11,046
    The Federal Savings Bank 2 5.75% $19,801
    AMERISAVE MORTGAGE CORPORATION 2 5.75% $12,591
    CHERRY CREEK MORTGAGE, LLC 2 6.06% $4,430
    USAA Federal Savings Bank 2 5.69% $19,596
    CITYWIDE HOME LOANS, LLC 2 6.00% $5,262
    CROSSCOUNTRY MORTGAGE, LLC 2 6.62% $9,011
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.25% $19,134
    Armed Forces Bank 1 7.00% $2,927
    S1L, Inc. 1 6.38% $18,601
    Sierra Pacific Mortgage Company, Inc. 1 5.75% $9,545
    SOVEREIGN LENDING GROUP INCORPORATED 1 5.25% $15,427
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 5.50% $8,854
    CMG MORTGAGE, INC. 1 5.75% $8,048
    Century Mortgage Company DBA Century Lending Company 1 6.50% $11,947
    FREEDOM MORTGAGE CORPORATION 1 7.25% $6,616
    GOLDENWEST 1 6.63% $13,770
    BAY EQUITY LLC 1 7.25% $11,085
    KELLER MORTGAGE, LLC 1 5.25% $11,099
    Mid-Continent Funding, Inc. 1 5.63% $29,772
    Barrington Bank & Trust Company, N.A. 1 5.75% $2,113
    U.S. Bank 1 6.75% $9,996
    NAVY FEDERAL CREDIT UNION 1 4.88% $21,582
    AMERICAN INTERNET MORTGAGE, INC. 1 5.13% $11,154
    Bank of England 1 6.63% $27,818
    PENTAGON FEDERAL CREDIT UNION 1 5.00% $2,766
    Plains Commerce Bank 1 4.88% $12,995

    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. Louis
    Date 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
    St. George's median listing price for 2024-10-01 was $675,000, a difference of $0 (0.0%) versus the prior year and $15,027 versus the prior month.

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

    St. George's average listing price for 2024-10-01 was $879,831, a difference of $36,186 (4.3%) versus the prior year and $25,133 versus the prior month.

    For the 2024-10-01 period, St. George had 1,601 MLS listings, a difference of 95 listings (6%) versus the prior month and 342 listings (27%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - St. George (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date 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
    St. George's median listing age (time on market) for 2024-10-01 was 0 days.

    St. George's median square footage for active listings during the 2024-10-01 period was 2,316 sqft. One year prior, the average listing was 2,318 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.