Stockton VA Loan Rates, Closing Costs & Stats

STOCKTON, 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.

    Stockton's 67 lenders originated 511 VA loans during 2024. The total origination value was $259,945,000, with an average VA loan value of $508,699.

    Stockton VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Stockton averaged 0.45% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Stockton's average VA mortgage closing costs are $7,805.

    The average rate for the prior week (2025-06-13) was 6.7% and one month ago for the week of 2025-05-16, the average rate was 6.86%.

    The average rate one year ago was 6.66%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.03%.

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

    Stockton 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 Stockton level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 116 5.86% $9,396
    Mortgage Research Center, LLC 54 6.28% $8,208
    QUICKEN LOANS, LLC 40 5.88% $11,593
    FREEDOM MORTGAGE CORPORATION 29 5.98% $15,494
    LOANDEPOT.COM, LLC 26 5.96% $14,537
    PENNYMAC LOAN SERVICES, LLC 19 5.73% $11,661
    VILLAGE CAPITAL MORTGAGE 11 5.65% $8,754
    AMERICAN PACIFIC MORTGAGE CORPORATION 11 6.24% $14,205
    HOMEAMERICAN MORTGAGE CORPORATION 11 5.02% $8,866
    CROSSCOUNTRY MORTGAGE, LLC 10 6.22% $5,879
    NEWREZ LLC 10 5.84% $10,324
    SUMMIT FUNDING, INC. 9 6.41% $10,472
    EAGLE HOME MORTGAGE, LLC 8 5.06% $1,842
    GUARANTEED RATE, INC. 8 6.10% $12,706
    SUN WEST MORTGAGE COMPANY, INC. 7 5.74% $10,372
    Paramount Residential Mortgage Group, Inc. 7 6.46% $7,545
    Mr. Cooper ( Nationstar Mortgage ) 7 5.77% $11,884
    GUILD MORTGAGE COMPANY 7 6.18% $10,054
    CLEARPATH LENDING 7 6.02% $10,462
    NAVY FEDERAL CREDIT UNION 6 5.94% $6,528
    The Federal Savings Bank 6 6.00% $23,859
    USAA Federal Savings Bank 5 6.40% $8,930
    PLANET HOME LENDING, LLC 5 5.90% $6,453
    Century Mortgage Company DBA Century Lending Company 5 6.35% $5,895
    LAKEVIEW LOAN SERVICING, LLC 4 5.56% $7,169
    CMG MORTGAGE, INC. 4 6.47% $18,293
    Watermark Capital, Inc. 3 5.92% $5,607
    NEW DAY FINANCIAL, LLC 3 7.66% $20,020
    Sierra Pacific Mortgage Company, Inc. 3 6.21% $16,837
    Carrington Mortgage Services, LLC 3 6.13% $13,079
    U.S. Bank 3 5.79% $17,568
    The Loan Store, Inc. 2 5.94% $8,189
    BROKER SOLUTIONS, INC. 2 6.19% $21,656
    DIGNIFIED HOME LOANS, LLC 2 5.69% $6,060
    PLAZA HOME MORTGAGE, INC. 2 6.56% $8,726
    SCENIC OAKS FUNDING, INC. 2 5.94% $13,427
    Equity Prime Mortgage LLC 2 6.00% $9,752
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.44% $2,845
    KBHS HOME LOANS, LLC 2 5.19% $1,266
    Lakeview Community Capital, LLC 2 6.00% $7,506
    BAY EQUITY LLC 2 6.25% $7,541
    PROPER RATE, LLC 2 5.46% $2,337
    MORTGAGEONE, INC. 1 5.75% $1,414
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $6,146
    Barrington Bank & Trust Company, N.A. 1 6.75% $4,522
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 5.75% $0
    Commerce Home Mortgage, Inc. 1 5.38% $14,587
    DAS Acquisition Company, LLC 1 6.25% $14,333
    EVERETT FINANCIAL, INC. 1 7.13% $9,996
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $16,180
    First Bank 1 6.50% $675
    Golden Empire Mortgage, Inc. 1 5.99% $7,483
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $2,694
    HOMESIDE FINANCIAL, LLC 1 5.63% $18,104
    LOANPAL, LLC 1 5.99% $2,701
    Magnolia Bank 1 6.00% $6,122
    AMERICAN FINANCIAL NETWORK, INC. 1 5.63% $22,534
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 5.75% $22,060
    MOUNTAIN WEST FINANCIAL, INC. 1 6.75% $21,196
    MOVEMENT MORTGAGE, LLC 1 5.75% $5,798
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $4,163
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.25% $20,543
    PENTAGON FEDERAL CREDIT UNION 1 6.13% $8,248
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.00% $6,901
    South Pacific Financial Corporation 1 5.13% $4,598
    T2 FINANCIAL LLC 1 5.25% $17,866
    TBI MORTGAGE COMPANY 1 5.99% $3,943

    The top Stockton VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 116 VA loans originated. Their average total fees are $9,396, which is $1,188 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Stockton VA lenders (with over 10 loans originated) are CROSSCOUNTRY MORTGAGE, LLC ($5,879), Mortgage Research Center, LLC ($8,208), VILLAGE CAPITAL MORTGAGE ($8,754), HOMEAMERICAN MORTGAGE CORPORATION ($8,866) and UNITED WHOLESALE MORTGAGE, LLC ($9,396).

    The lowest rate Stockton VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (5.02%), VILLAGE CAPITAL MORTGAGE (5.65%), PENNYMAC LOAN SERVICES, LLC (5.73%), NEWREZ LLC (5.84%) and UNITED WHOLESALE MORTGAGE, LLC (5.86%).

    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.