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 62 lenders originated 304 VA loans during 2024. The total origination value was $154,190,000, with an average VA loan value of $507,204.

    St. George VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in St. George averaged 0.4% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    St. George's average VA mortgage closing costs are $7,110.

    The average rate for the prior week (2025-06-27) was 6.63% and one month ago for the week of 2025-05-30, the average rate was 6.96%.

    The average rate one year ago was 6.67%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.39%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 47 5.89% $7,225
    GUILD MORTGAGE COMPANY 27 6.11% $15,540
    Mortgage Research Center, LLC 20 6.32% $4,558
    QUICKEN LOANS, LLC 18 6.01% $9,891
    SUN AMERICAN MORTGAGE COMPANY 15 6.00% $17,217
    DHI MORTGAGE COMPANY, LTD. 14 5.33% $10,266
    INTERCAP LENDING INC. 13 6.07% $8,617
    FIRST COLONY MORTGAGE CORPORATION 11 6.43% $8,108
    BELEM SERVICING LLC 11 6.12% $10,445
    The Loan Store, Inc. 10 6.07% $10,042
    FREEDOM MORTGAGE CORPORATION 8 6.16% $8,798
    The Federal Savings Bank 7 6.21% $14,412
    PENNYMAC LOAN SERVICES, LLC 7 5.36% $16,101
    USAA Federal Savings Bank 6 6.38% $5,855
    LOANDEPOT.COM, LLC 5 6.32% $10,882
    MOUNTAIN AMERICA 4 5.72% $12,521
    CROSSCOUNTRY MORTGAGE, LLC 4 5.78% $2,045
    MY MOVE MORTGAGE, LLC 4 6.25% $16,482
    NEWREZ LLC 3 6.12% $7,214
    BROKER SOLUTIONS, INC. 2 6.25% $22,097
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.88% $13,255
    CANOPY MORTGAGE, LLC 2 5.87% $28,796
    Century Mortgage Company DBA Century Lending Company 2 6.06% $12,007
    CMG MORTGAGE, INC. 2 5.99% $6,430
    DIRECT MORTGAGE, CORP. 2 5.81% $6,022
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.50% $4,752
    GUARANTEED RATE, INC. 2 6.12% $7,397
    LAKEVIEW LOAN SERVICING, LLC 2 5.63% $5,510
    LAND HOME FINANCIAL SERVICES, INC. 2 5.88% $4,083
    Magnolia Bank 2 6.00% $23,694
    Mr. Cooper ( Nationstar Mortgage ) 2 5.50% $13,533
    SECURITYNATIONAL MORTGAGE COMPANY 2 6.25% $8,762
    U.S. Bank 2 6.00% $5,416
    VILLAGE CAPITAL MORTGAGE 2 5.38% $9,754
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $6,154
    MORIA DEVELOPMENT, INC. 1 6.75% $25,940
    Glacier Bank 1 5.63% $9,848
    Flagstar Bank, FSB 1 4.63% $11,685
    Waterstone Mortgage Corporation 1 7.13% $7,622
    First Federal Bank 1 5.25% $11,376
    NAVY FEDERAL CREDIT UNION 1 5.88% $8,922
    CITYWIDE HOME LOANS, LLC 1 6.13% $6,983
    North American Savings Bank, F.S.B. 1 5.63% $2,518
    CASTLE & COOKE MORTGAGE, LLC 1 6.25% $7,559
    PENTAGON FEDERAL CREDIT UNION 1 5.88% $7,438
    PLANET HOME LENDING, LLC 1 5.63% $1,412
    Carrington Mortgage Services, LLC 1 5.25% $17,236
    RANLIFE, INC. 1 6.25% $20,690
    S1L, Inc. 1 5.13% $17,532
    SECURITY HOME MORTGAGE, LLC. 1 5.63% $11,860
    VERITAS FUNDING, LLC 1 5.99% $13,610
    Sierra Pacific Mortgage Company, Inc. 1 5.63% $3,817
    AMERICAN FINANCING CORPORATION 1 6.75% $21,904
    Texana Bank 1 5.63% $42,474
    BAY EQUITY LLC 1 6.25% $22,834
    GUARANTEED RATE AFFINITY, LLC 1 6.05% $3,274
    HOMESIDE FINANCIAL, LLC 1 5.88% $21,793
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.75% $7,950
    JPMorgan Chase Bank 1 5.75% $3,852
    Barrington Bank & Trust Company, N.A. 1 5.25% $3,017
    Bank of Utah 1 6.25% $7,491
    GOLDENWEST 1 5.75% $10,702

    The top St. George VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 47 VA loans originated. Their average total fees are $7,225, which is $8,315 lower than the next largest lender, GUILD MORTGAGE COMPANY.

    The lowest fee St. George VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,558), UNITED WHOLESALE MORTGAGE, LLC ($7,225), FIRST COLONY MORTGAGE CORPORATION ($8,108), INTERCAP LENDING INC. ($8,617) and QUICKEN LOANS, LLC ($9,891).

    The lowest rate St. George VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.33%), UNITED WHOLESALE MORTGAGE, LLC (5.89%), SUN AMERICAN MORTGAGE COMPANY (6.00%), QUICKEN LOANS, LLC (6.01%) and The Loan Store, Inc. (6.07%).

    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%) $499,406 (-7.1%) 0.00 1,410
    2019-04-01 $399,900 (2.3%) $495,590 (-11.7%) 0.00 1,381
    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 $687,075 (0.7%) $954,836 (7.9%) 0.00 1,251
    2024-06-01 $670,000 (-3.2%) $914,897 (3.5%) 0.00 1,244
    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
    2024-12-01 $659,000 (1.4%) $875,768 (5.6%) 0.00 1,474
    2025-01-01 $650,000 (-0.7%) $874,714 (4.0%) 0.00 1,407
    2025-02-01 $640,000 (-8.1%) $891,653 (-3.0%) 0.00 1,669
    2025-03-01 $659,000 (-5.8%) $925,374 (-3.1%) 0.00 1,764
    2025-04-01 $650,000 (-7.0%) $901,448 (-5.5%) 0.00 1,795
    2025-05-01 $639,990 (-6.9%) $881,077 (-7.7%) 0.00 1,824
    St. George's median listing price for 2025-05-01 was $639,990, a difference of $-47,085 (-6.9%) versus the prior year and $-10,010 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 2025-05-01 was $881,077, a difference of $-73,759 (-7.7%) versus the prior year and $-20,371 versus the prior month.

    For the 2025-05-01 period, St. George had 1,824 MLS listings, a difference of 29 listings (2%) versus the prior month and 573 listings (46%) 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 2,259 sqft
    2018-04-01 0 days 2,293 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 2,246 sqft
    2019-04-01 0 days 2,237 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 2,319 sqft
    2021-10-01 0 days 2,322 sqft
    2021-11-01 0 days 2,334 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 2,319 sqft
    2023-11-01 0 days 2,291 sqft
    2023-12-01 0 days 2,267 sqft
    2024-01-01 0 days 2,252 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 2,328 sqft
    2024-06-01 0 days 2,300 sqft
    2024-07-01 0 days 2,270 sqft
    2024-08-01 0 days 2,250 sqft
    2024-09-01 0 days 2,279 sqft
    2024-10-01 0 days 2,315 sqft
    2024-11-01 0 days 2,306 sqft
    2024-12-01 0 days 2,286 sqft
    2025-01-01 0 days 2,290 sqft
    2025-02-01 0 days 2,264 sqft
    2025-03-01 0 days 2,322 sqft
    2025-04-01 0 days 2,302 sqft
    2025-05-01 0 days 2,287 sqft
    St. George's median listing age (time on market) for 2025-05-01 was 0 days.

    St. George's median square footage for active listings during the 2025-05-01 period was 2,287 sqft. One year prior, the average listing was 2,328 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.