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 6.31% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

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

    The average rate for the prior week (2025-03-28) was 6.43% and one month ago for the week of 2025-02-28, the average rate was 6.61%.

    The average rate one year ago was 6.42%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.83%.

    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%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Stockton (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 $383,500 (12.1%) $466,243 (8.2%) 1.42 825
    2018-02-01 $377,000 (8.0%) $467,496 (9.4%) 1.37 821
    2018-03-01 $375,000 (7.9%) $454,806 (6.6%) 1.32 828
    2018-04-01 $383,000 (6.4%) $470,046 (8.8%) 1.30 920
    2018-05-01 $383,000 (3.0%) $478,855 (7.4%) 1.28 1,039
    2018-06-01 $389,900 (2.8%) $482,302 (7.6%) 1.30 1,151
    2018-07-01 $389,900 (1.3%) $475,160 (6.0%) 1.30 1,216
    2018-08-01 $385,500 (1.5%) $464,159 (3.8%) 1.29 1,371
    2018-09-01 $385,000 (1.6%) $464,069 (4.0%) 1.29 1,475
    2018-10-01 $385,000 (2.7%) $460,830 (3.3%) 1.30 1,506
    2018-11-01 $386,425 (2.9%) $509,344 (12.2%) 1.31 1,504
    2018-12-01 $389,000 (2.4%) $461,578 (0.7%) 1.34 1,395
    2019-01-01 $386,250 (0.7%) $452,564 (-2.9%) 1.33 1,206
    2019-02-01 $380,000 (0.8%) $452,218 (-3.3%) 1.28 1,151
    2019-03-01 $400,082 (6.7%) $476,973 (4.9%) 1.31 1,141
    2019-04-01 $417,000 (8.9%) $488,914 (4.0%) 1.32 1,176
    2019-05-01 $419,500 (9.5%) $497,400 (3.9%) 1.31 1,304
    2019-06-01 $424,999 (9.0%) $554,533 (15.0%) 1.33 1,403
    2019-07-01 $428,598 (9.9%) $873,615 (83.9%) 1.34 1,456
    2019-08-01 $426,848 (10.7%) $1,030,356 (122.0%) 1.35 1,441
    2019-09-01 $422,121 (9.6%) $782,546 (68.6%) 1.35 1,467
    2019-10-01 $419,247 (8.9%) $534,562 (16.0%) 1.35 1,474
    2019-11-01 $425,000 (10.0%) $482,396 (-5.3%) 1.39 1,378
    2019-12-01 $432,500 (11.2%) $491,445 (6.5%) 1.44 1,131
    2020-01-01 $424,975 (10.0%) $494,574 (9.3%) 1.42 981
    2020-02-01 $434,000 (14.2%) $504,604 (11.6%) 1.42 893
    2020-03-01 $429,225 (7.3%) $500,527 (4.9%) 1.35 905
    2020-04-01 $429,450 (3.0%) $502,525 (2.8%) 1.35 975
    2020-05-01 $432,450 (3.1%) $510,224 (2.6%) 1.31 964
    2020-06-01 $445,750 (4.9%) $532,692 (-3.9%) 1.31 772
    2020-07-01 $445,000 (3.8%) $548,761 (-37.2%) 1.29 640
    2020-08-01 $449,000 (5.2%) $548,911 (-46.7%) 1.29 566
    2020-09-01 $455,450 (7.9%) $568,386 (-27.4%) 1.31 562
    2020-10-01 $450,000 (7.3%) $550,808 (3.0%) 1.29 555
    2020-11-01 $450,000 (5.9%) $574,401 (19.1%) 1.32 490
    2020-12-01 $449,950 (4.0%) $578,313 (17.7%) 1.34 400
    2021-01-01 $450,000 (5.9%) $601,515 (21.6%) 1.34 334
    2021-02-01 $459,500 (5.9%) $607,067 (20.3%) 1.34 330
    2021-03-01 $453,450 (5.6%) $590,781 (18.0%) 1.29 382
    2021-04-01 $498,250 (16.0%) $625,326 (24.4%) 1.35 410
    2021-05-01 $499,000 (15.4%) $623,769 (22.3%) 1.33 446
    2021-06-01 $524,595 (17.7%) $643,418 (20.8%) 1.38 569
    2021-07-01 $540,000 (21.4%) $643,722 (17.3%) 1.42 677
    2021-08-01 $537,450 (19.7%) $650,459 (18.5%) 1.43 792
    2021-09-01 $542,250 (19.1%) $646,095 (13.7%) 1.45 825
    2021-10-01 $539,570 (19.9%) $632,949 (14.9%) 1.44 816
    2021-11-01 $540,144 (20.0%) $632,138 (10.1%) 1.44 649
    2021-12-01 $542,475 (20.6%) $649,193 (12.3%) 1.47 491
    2022-01-01 $548,250 (21.8%) $660,166 (9.8%) 1.48 383
    2022-02-01 $565,000 (23.0%) $700,971 (15.5%) 1.47 395
    2022-03-01 $595,000 (31.2%) $740,624 (25.4%) 1.49 447
    2022-04-01 $600,000 (20.4%) $741,732 (18.6%) 1.43 559
    2022-05-01 $627,000 (25.7%) $733,646 (17.6%) 1.43 798
    2022-06-01 $631,997 (20.5%) $718,105 (11.6%) 1.41 1,031
    2022-07-01 $601,278 (11.4%) $682,566 (6.0%) 1.35 1,321
    2022-08-01 $594,795 (10.7%) $664,683 (2.2%) 1.38 1,333
    2022-09-01 $581,950 (7.3%) $659,698 (2.1%) 1.36 1,237
    2022-10-01 $560,000 (3.8%) $640,970 (1.3%) 1.32 1,239
    2022-11-01 $550,450 (1.9%) $636,525 (0.7%) 1.32 1,138
    2022-12-01 $542,745 (0.1%) $631,515 (-2.7%) 1.34 955
    2023-01-01 $539,495 (-1.6%) $623,692 (-5.5%) 1.34 798
    2023-02-01 $543,998 (-3.7%) $633,471 (-9.6%) 1.31 672
    2023-03-01 $547,500 (-8.0%) $646,803 (-12.7%) 1.29 574
    2023-04-01 $579,000 (-3.5%) $685,337 (-7.6%) 1.35 538
    2023-05-01 $575,000 (-8.3%) $681,551 (-7.1%) 1.30 546
    2023-06-01 $582,000 (-7.9%) $698,264 (-2.8%) 1.31 534
    2023-07-01 $587,800 (-2.2%) $705,176 (3.3%) 1.34 579
    2023-08-01 $585,965 (-1.5%) $681,632 (2.6%) 1.35 626
    2023-09-01 $579,900 (-0.4%) $671,533 (1.8%) 1.35 672
    2023-10-01 $582,500 (4.0%) $673,903 (5.1%) 1.37 716
    2023-11-01 $575,000 (4.5%) $677,362 (6.4%) 1.37 784
    2023-12-01 $549,000 (1.2%) $673,014 (6.6%) 1.34 702
    2024-01-01 $544,450 (0.9%) $678,020 (8.7%) 1.33 596
    2024-02-01 $549,500 (1.0%) $678,670 (7.1%) 1.32 613
    2024-03-01 $562,000 (2.7%) $672,079 (3.9%) 1.32 627
    2024-04-01 $593,200 (2.5%) $699,992 (2.1%) 1.38 647
    2024-05-01 $597,000 (3.8%) $692,069 (1.5%) 1.36 784
    2024-06-01 $596,900 (2.6%) $673,558 (-3.5%) 1.36 888
    2024-07-01 $592,498 (0.8%) $672,796 (-4.6%) 1.36 972
    2024-08-01 $585,000 (-0.2%) $660,773 (-3.1%) 1.36 1,035
    2024-09-01 $569,975 (-1.7%) $649,339 (-3.3%) 1.34 1,110
    2024-10-01 $571,079 (-2.0%) $648,855 (-3.7%) 1.34 1,142
    2024-11-01 $562,822 (-2.1%) $642,438 (-5.2%) 1.35 1,174
    2024-12-01 $564,277 (2.8%) $646,035 (-4.0%) 1.40 981
    2025-01-01 $565,000 (3.8%) $648,116 (-4.4%) 1.41 892
    2025-02-01 $572,500 (4.2%) $649,743 (-4.3%) 1.39 966
    2025-03-01 $595,700 (6.0%) $663,815 (-1.2%) 0.00 1,062
    Stockton's median listing price for 2025-03-01 was $595,700, a difference of $33,700 (6.0%) versus the prior year and $23,200 versus the prior month.

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

    Stockton's average listing price for 2025-03-01 was $663,815, a difference of $-8,264 (-1.2%) versus the prior year and $14,072 versus the prior month.

    For the 2025-03-01 period, Stockton had 1,062 MLS listings, a difference of 96 listings (10%) versus the prior month and 435 listings (69%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Stockton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 53 days 1,891 sqft
    2018-02-01 37 days 1,824 sqft
    2018-03-01 33 days 1,787 sqft
    2018-04-01 31 days 1,797 sqft
    2018-05-01 30 days 1,800 sqft
    2018-06-01 36 days 1,830 sqft
    2018-07-01 37 days 1,819 sqft
    2018-08-01 37 days 1,789 sqft
    2018-09-01 37 days 1,802 sqft
    2018-10-01 44 days 1,809 sqft
    2018-11-01 45 days 1,794 sqft
    2018-12-01 53 days 1,800 sqft
    2019-01-01 63 days 1,786 sqft
    2019-02-01 48 days 1,774 sqft
    2019-03-01 40 days 1,827 sqft
    2019-04-01 37 days 1,873 sqft
    2019-05-01 36 days 1,917 sqft
    2019-06-01 38 days 1,901 sqft
    2019-07-01 43 days 1,926 sqft
    2019-08-01 46 days 1,921 sqft
    2019-09-01 46 days 1,879 sqft
    2019-10-01 47 days 1,852 sqft
    2019-11-01 52 days 1,887 sqft
    2019-12-01 64 days 1,889 sqft
    2020-01-01 66 days 1,856 sqft
    2020-02-01 50 days 1,890 sqft
    2020-03-01 41 days 1,877 sqft
    2020-04-01 44 days 1,867 sqft
    2020-05-01 56 days 1,897 sqft
    2020-06-01 58 days 1,918 sqft
    2020-07-01 58 days 1,899 sqft
    2020-08-01 40 days 1,898 sqft
    2020-09-01 35 days 1,886 sqft
    2020-10-01 35 days 1,826 sqft
    2020-11-01 38 days 1,827 sqft
    2020-12-01 46 days 1,779 sqft
    2021-01-01 44 days 1,774 sqft
    2021-02-01 28 days 1,701 sqft
    2021-03-01 27 days 1,638 sqft
    2021-04-01 23 days 1,728 sqft
    2021-05-01 24 days 1,753 sqft
    2021-06-01 21 days 1,830 sqft
    2021-07-01 25 days 1,827 sqft
    2021-08-01 25 days 1,844 sqft
    2021-09-01 30 days 1,838 sqft
    2021-10-01 33 days 1,836 sqft
    2021-11-01 40 days 1,825 sqft
    2021-12-01 45 days 1,803 sqft
    2022-01-01 39 days 1,760 sqft
    2022-02-01 28 days 1,737 sqft
    2022-03-01 25 days 1,821 sqft
    2022-04-01 24 days 1,890 sqft
    2022-05-01 24 days 1,905 sqft
    2022-06-01 26 days 1,925 sqft
    2022-07-01 31 days 1,894 sqft
    2022-08-01 38 days 1,900 sqft
    2022-09-01 45 days 1,896 sqft
    2022-10-01 48 days 1,872 sqft
    2022-11-01 51 days 1,880 sqft
    2022-12-01 62 days 1,848 sqft
    2023-01-01 65 days 1,854 sqft
    2023-02-01 53 days 1,872 sqft
    2023-03-01 45 days 1,851 sqft
    2023-04-01 33 days 1,912 sqft
    2023-05-01 34 days 1,861 sqft
    2023-06-01 33 days 1,898 sqft
    2023-07-01 30 days 1,885 sqft
    2023-08-01 32 days 1,867 sqft
    2023-09-01 35 days 1,837 sqft
    2023-10-01 38 days 1,872 sqft
    2023-11-01 39 days 1,842 sqft
    2023-12-01 47 days 1,769 sqft
    2024-01-01 54 days 1,784 sqft
    2024-02-01 37 days 1,767 sqft
    2024-03-01 36 days 1,824 sqft
    2024-04-01 34 days 1,861 sqft
    2024-05-01 32 days 1,900 sqft
    2024-06-01 36 days 1,900 sqft
    2024-07-01 37 days 1,863 sqft
    2024-08-01 40 days 1,860 sqft
    2024-09-01 41 days 1,824 sqft
    2024-10-01 45 days 1,814 sqft
    2024-11-01 47 days 1,795 sqft
    2024-12-01 55 days 1,812 sqft
    2025-01-01 62 days 1,788 sqft
    2025-02-01 38 days 1,787 sqft
    2025-03-01 0 days 1,840 sqft
    Stockton's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Stockton's median square footage for active listings during the 2025-03-01 period was 1,840 sqft. One year prior, the average listing was 1,824 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.