Stockton VA Loans

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 156 lenders originated 2,436 VA loans during 2021. The total origination value was $993,740,000, with an average VA loan value of $407,939.

    Stockton VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Stockton averaged 6.24% for the week of 2022-09-23, compared to the national average (all VA variants) of 5.992% for the same period.

    The average rate for the prior week (2022-09-16) was 6% and one month ago for the week of 2022-08-19, the average rate was 5.45%.

    The average rate one year ago was 2.96%.

    For refis of the same type during the week of 2022-09-23, the average rate was 6.1%.

    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 and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Stockton level.

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    FREEDOM MORTGAGE CORPORATION 279 2.37% $4,120
    QUICKEN LOANS, LLC 217 2.39% $5,901
    UNITED WHOLESALE MORTGAGE, LLC 163 2.46% $6,838
    LOANDEPOT.COM, LLC 128 2.47% $6,677
    Mortgage Research Center, LLC 119 2.80% $9,410
    PENNYMAC LOAN SERVICES, LLC 119 2.31% $7,891
    HOME POINT FINANCIAL CORPORATION 72 2.47% $6,349
    VILLAGE CAPITAL MORTGAGE 54 2.30% $4,690
    CALIBER HOME LOANS, INC. 47 2.53% $6,820
    CLEARPATH LENDING 42 2.25% $5,650
    NAVY FEDERAL CREDIT UNION 40 2.46% $5,505
    SUMMIT FUNDING, INC. 39 2.82% $12,441
    NEW DAY FINANCIAL, LLC 38 2.87% $12,280
    AMERICAN PACIFIC MORTGAGE CORPORATION 37 2.81% $11,072
    LAKEVIEW LOAN SERVICING, LLC 35 2.35% $2,543
    The Federal Savings Bank 34 2.44% $9,165
    FINANCE OF AMERICA MORTGAGE LLC 31 2.57% $10,451
    AMERICAN FINANCIAL NETWORK, INC. 27 2.61% $11,302
    Mr. Cooper ( Nationstar Mortgage ) 27 2.62% $4,112
    HOMEBRIDGE FINANCIAL SERVICES, INC. 25 2.37% $10,097
    USAA Federal Savings Bank 23 2.78% $5,718
    BROKER SOLUTIONS, INC. 22 2.49% $7,515
    CROSSCOUNTRY MORTGAGE, LLC 19 2.98% $10,458
    NEWREZ LLC 17 2.53% $4,871
    Lakeview Community Capital, LLC 16 2.47% $2,867
    CMG MORTGAGE, INC. 15 2.91% $15,352
    Carrington Mortgage Services, LLC 14 2.97% $7,407
    NETWORK CAPITAL FUNDING CORPORATION 13 2.52% $8,267
    Wells Fargo Bank 13 2.54% $4,997
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 12 2.89% $9,285
    LOANPAL, LLC 12 2.64% $10,034
    InterContinental Capital Group, Inc 12 2.39% $6,056
    SUN WEST MORTGAGE COMPANY, INC. 11 2.35% $4,829
    Barrington Bank & Trust Company, N.A. 11 2.66% $5,580
    GUARANTEED RATE, INC. 10 2.65% $4,536
    HOMEAMERICAN MORTGAGE CORPORATION 10 2.56% $4,303
    FBC MORTGAGE, LLC 10 2.59% $11,110
    MUTUAL OF OMAHA MORTGAGE, INC. 9 2.85% $8,179
    STEARNS LENDING, LLC 9 2.72% $8,977
    GUILD MORTGAGE COMPANY 9 2.61% $7,879
    KBHS HOME LOANS, LLC 9 2.93% $6,271
    PRIMARY RESIDENTIAL MORTGAGE, INC. 8 3.14% $11,713
    SCENIC OAKS FUNDING, INC. 8 2.73% $6,124
    MASON MCDUFFIE MORTGAGE CORPORATION 8 2.58% $18,553
    AMERISAVE MORTGAGE CORPORATION 8 2.53% $12,486
    Commerce Home Mortgage, Inc. 8 2.52% $5,691
    ACADEMY MORTGAGE CORPORATION 8 2.81% $9,724
    SOVEREIGN LENDING GROUP INCORPORATED 8 2.48% $6,773
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 2.83% $8,731
    Low VA Rates, LLC 7 2.25% $4,650
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 7 2.61% $7,716
    LENDUS, LLC 7 2.41% $5,877
    EAGLE HOME MORTGAGE, LLC 7 3.00% $9,003
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 7 2.93% $13,099
    First Guaranty Mortgage Corporation 7 2.32% $5,251
    DIGNIFIED HOME LOANS, LLC 6 2.75% $8,772
    GoPrime Mortgage, Inc. 6 2.81% $15,265
    South Pacific Financial Corporation 6 2.71% $16,668
    PLAZA HOME MORTGAGE, INC. 6 2.38% $7,260
    BNC National Bank 5 2.40% $4,716
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 5 3.47% $11,933
    Flagstar Bank, FSB 5 3.05% $4,885
    First Federal Bank 5 2.98% $16,995
    PLANET HOME LENDING, LLC 5 2.38% $2,137
    BAY EQUITY LLC 5 2.65% $7,287
    Golden Empire Mortgage, Inc. 4 2.75% $5,649
    ALAMEDA MORTGAGE CORPORATION 4 2.72% $13,532
    PULTE MORTGAGE LLC 4 2.84% $13,332
    Paramount Residential Mortgage Group, Inc. 4 2.50% $17,865
    PENTAGON FEDERAL CREDIT UNION 4 2.41% $2,423
    NATIONS DIRECT MORTGAGE, LLC 4 3.13% $13,182
    NP, Inc. 4 2.28% $4,842
    ACCELERATE MORTGAGE, LLC 4 2.31% $6,397
    INSPIRE HOME LOANS INC. 4 2.50% $14,254
    NBKC BANK 3 2.42% $9,159
    GUARANTEED RATE AFFINITY, LLC 3 2.58% $2,437
    SNAPFI, INC. 3 3.00% $7,546
    Equity Prime Mortgage LLC 3 3.42% $3,408
    Shea Mortgage Inc. 3 2.54% $6,153
    HOMESIDE FINANCIAL, LLC 3 2.25% $5,371
    S1L, Inc. 3 2.96% $14,619
    PANORAMA MORTGAGE GROUP, LLC 3 3.21% $11,465
    KELLER MORTGAGE, LLC 3 2.46% $9,148
    CANOPY MORTGAGE, LLC 3 2.58% $11,636
    Prime Choice Funding Inc. 3 2.17% $3,546
    CELEBRITY HOME LOANS, LLC 3 2.83% $2,790
    MUFG Union Bank 3 2.79% $1,029
    North American Savings Bank, F.S.B. 3 2.25% $700
    First Bank 2 2.63% $1,887
    LAND HOME FINANCIAL SERVICES, INC. 2 3.00% $4,385
    PNC Bank 2 3.38% $1,821
    LADERA LENDING, INC. 2 2.88% $8,645
    UNION HOME MORTGAGE CORP. 2 2.38% $8,818
    KS StateBank 2 2.25% $2,728
    Hometown Lenders, Inc. 2 2.38% $6,762
    CALCON MUTUAL MORTGAGE LLC 2 4.25% $2,033
    Nations Lending Corporation 2 2.94% $25,648
    SECURITYNATIONAL MORTGAGE COMPANY 2 3.00% $5,215
    AMCAP MORTGAGE, LTD. 2 3.12% $12,933
    Strong Home Mortgage, LLC 2 2.25% $8,586
    SUNSTREET MORTGAGE, LLC 2 3.25% $9,915
    PARKSIDE LENDING, LLC 2 2.50% $8,419
    EVERETT FINANCIAL, INC. 2 3.00% $1,498
    Northpointe Bank 2 2.63% $4,695
    AMERICAN FINANCIAL RESOURCES, INC. 2 2.81% $5,348
    Magnolia Bank 2 2.75% $11,502
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 2.25% $2,390
    ZILLOW HOME LOANS, LLC 1 3.13% $15,920
    AMERICAN HOME LENDING USA, LLC 1 2.25% $1,380
    Amerifirst Financial, Inc. 1 3.25% $4,079
    AmeriHome Mortgage Company, LLC 1 2.75% $5,544
    BELEM SERVICING LLC 1 1.75% $10,467
    CALCULATED RISK ANALYTICS LLC 1 2.38% $2,399
    Capital Bank 1 2.25% $22,654
    CHERRY CREEK MORTGAGE, LLC 1 2.75% $3,482
    CHURCHILL MORTGAGE CORPORATION 1 2.25% $3,845
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 2.63% $23,315
    COUNTRY CLUB MORTGAGE, INC. 1 2.63% $12,720
    Credence Funding Corporation 1 2.25% $21,079
    DHI MORTGAGE COMPANY, LTD. 1 2.63% $3,867
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 2.50% $10,319
    FirstBank 1 2.25% $1,105
    First Savings Bank 1 2.75% $14,829
    FRONTWAVE 1 2.13% $6,788
    GRANDE HOMES, INC. 1 2.25% $3,069
    HOMESTEAD FUNDING CORP. 1 2.25% $2,703
    Hometown Equity Mortgage, LLC 1 3.25% $12,243
    LEADERONE FINANCIAL CORPORATION 1 2.75% $5,502
    Lend Smart Mortgage, LLC 1 3.00% $12,925
    Manufacturers and Traders Trust Company 1 2.63% $3,720
    MEGA CAPITAL FUNDING, INC. 1 2.25% $3,432
    MEGASTAR FINANCIAL CORP. 1 2.38% $3,582
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 2.25% $1,445
    MOUNTAIN WEST FINANCIAL, INC. 1 2.88% $3,424
    MOVEMENT MORTGAGE, LLC 1 2.75% $1,953
    MYCUMORTGAGE, LLC 1 2.75% $5,906
    OPEN MORTGAGE, LLC 1 2.25% $3,554
    Paramount Bank 1 2.25% $916
    Plains Commerce Bank 1 2.50% $4,236
    Platinum Home Mortgage Corporation 1 2.75% $31,231
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 3.75% $11,430
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.38% $11,252
    Prosperity Home Mortgage, LLC 1 2.88% $11,690
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 2.25% $26,135
    ROYAL UNITED MORTGAGE LLC 1 2.38% $18,048
    Sierra Pacific Mortgage Company, Inc. 1 2.38% $22,456
    The Central Trust Bank 1 2.25% $8,701
    TJC Mortgage, Inc. 1 2.25% $4,381
    TOWNE MORTGAGE COMPANY 1 2.75% $5,207
    TRAVIS CREDIT UNION 1 2.50% $2,313
    UNITED SECURITY FINANCIAL CORP 1 1.75% $10,614
    U.S. Bank 1 2.75% $4,905
    Valley First Credit Union 1 2.38% $4,743
    VERITAS FUNDING, LLC 1 2.88% $11,690
    VISION ONE MORTGAGE, INC. 1 2.38% $4,510
    ABSOLUTE HOME MORTGAGE CORPORATION 1 2.75% $3,170

    The top Stockton VA lender as defined by loan originations is FREEDOM MORTGAGE CORPORATION, with 279 VA loans originated. Their average total fees are $4,120, which is $1,780 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Stockton VA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC ($2,543), Lakeview Community Capital, LLC ($2,867), Mr. Cooper ( Nationstar Mortgage ) ($4,112), FREEDOM MORTGAGE CORPORATION ($4,120) and HOMEAMERICAN MORTGAGE CORPORATION ($4,303).

    The lowest rate Stockton VA lenders (with over 10 loans originated) are CLEARPATH LENDING (2.25%), VILLAGE CAPITAL MORTGAGE (2.30%), PENNYMAC LOAN SERVICES, LLC (2.31%), LAKEVIEW LOAN SERVICING, LLC (2.35%) and SUN WEST MORTGAGE COMPANY, INC. (2.35%).

    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 $387,450 (13.1%) $468,681 (10.7%) 1.43 896
    2018-02-01 $379,900 (8.7%) $468,995 (11.4%) 1.37 892
    2018-03-01 $377,000 (7.9%) $461,139 (9.8%) 1.30 894
    2018-04-01 $389,500 (8.2%) $471,028 (8.3%) 1.31 996
    2018-05-01 $385,000 (3.4%) $475,235 (7.5%) 1.28 1,137
    2018-06-01 $394,900 (4.0%) $482,287 (9.3%) 1.32 1,277
    2018-07-01 $397,000 (3.1%) $473,618 (6.2%) 1.32 1,345
    2018-08-01 $395,000 (1.5%) $465,885 (3.1%) 1.32 1,512
    2018-09-01 $395,000 (4.0%) $465,130 (3.4%) 1.32 1,648
    2018-10-01 $394,000 (3.7%) $461,161 (1.8%) 1.32 1,690
    2018-11-01 $396,750 (4.4%) $549,035 (18.9%) 1.33 1,690
    2018-12-01 $399,000 (3.6%) $460,544 (-1.5%) 1.37 1,524
    2019-01-01 $395,000 (2.0%) $452,087 (-3.5%) 1.36 1,334
    2019-02-01 $389,750 (2.6%) $449,952 (-4.1%) 1.31 1,283
    2019-03-01 $409,571 (8.6%) $471,650 (2.3%) 1.33 1,270
    2019-04-01 $425,000 (9.1%) $484,404 (2.8%) 1.34 1,286
    2019-05-01 $425,000 (10.4%) $494,114 (4.0%) 1.31 1,445
    2019-06-01 $430,000 (8.9%) $501,482 (4.0%) 1.32 1,559
    2019-07-01 $437,450 (10.2%) $745,520 (57.4%) 1.36 1,620
    2019-08-01 $435,614 (10.3%) $908,247 (95.0%) 1.37 1,558
    2019-09-01 $429,450 (8.7%) $495,525 (6.5%) 1.36 1,566
    2019-10-01 $434,950 (10.4%) $499,086 (8.2%) 1.39 1,654
    2019-11-01 $440,000 (10.9%) $499,202 (-9.1%) 1.42 1,524
    2019-12-01 $443,450 (11.1%) $506,216 (9.9%) 1.48 1,230
    2020-01-01 $432,750 (9.6%) $511,329 (13.1%) 1.44 1,053
    2020-02-01 $449,990 (15.5%) $533,679 (18.6%) 1.45 981
    2020-03-01 $442,475 (8.0%) $520,924 (10.5%) 1.38 972
    2020-04-01 $439,900 (3.5%) $515,410 (6.4%) 1.37 1,056
    2020-05-01 $439,995 (3.5%) $532,882 (7.9%) 1.33 1,045
    2020-06-01 $459,000 (6.7%) $560,691 (11.8%) 1.34 857
    2020-07-01 $459,900 (5.1%) $588,103 (-21.1%) 1.32 706
    2020-08-01 $450,000 (3.3%) $565,700 (-37.7%) 1.29 621
    2020-09-01 $467,425 (8.8%) $591,802 (19.4%) 1.34 611
    2020-10-01 $450,000 (3.5%) $571,447 (14.5%) 1.29 597
    2020-11-01 $457,500 (4.0%) $590,754 (18.3%) 1.31 531
    2020-12-01 $461,750 (4.1%) $595,847 (17.7%) 1.35 421
    2021-01-01 $460,000 (6.3%) $631,902 (23.6%) 1.35 341
    2021-02-01 $459,000 (2.0%) $619,568 (16.1%) 1.32 322
    2021-03-01 $454,950 (2.8%) $594,776 (14.2%) 1.28 378
    2021-04-01 $490,244 (11.4%) $621,079 (20.5%) 1.32 398
    2021-05-01 $495,000 (12.5%) $619,205 (16.2%) 1.30 431
    2021-06-01 $522,000 (13.7%) $634,923 (13.2%) 1.36 550
    2021-07-01 $540,000 (17.4%) $637,900 (8.5%) 1.40 653
    2021-08-01 $537,500 (19.4%) $643,995 (13.8%) 1.41 774
    2021-09-01 $542,000 (16.0%) $638,894 (8.0%) 1.43 814
    2021-10-01 $535,990 (19.1%) $627,247 (9.8%) 1.41 799
    2021-11-01 $530,000 (15.9%) $622,394 (5.4%) 1.40 634
    2021-12-01 $539,950 (16.9%) $641,007 (7.6%) 1.44 478
    2022-01-01 $543,835 (18.2%) $649,407 (2.8%) 1.45 370
    2022-02-01 $562,500 (22.6%) $685,202 (10.6%) 1.43 375
    2022-03-01 $594,444 (30.7%) $722,848 (21.5%) 1.47 425
    2022-04-01 $599,000 (22.2%) $727,050 (17.1%) 1.41 542
    2022-05-01 $627,450 (26.8%) $720,815 (16.4%) 1.40 786
    2022-06-01 $629,950 (20.7%) $705,906 (11.2%) 1.40 1,017
    2022-07-01 $599,999 (11.1%) $678,480 (6.4%) 1.34 1,311
    2022-08-01 $594,500 (10.6%) $659,196 (2.4%) 1.37 1,314
    Stockton's median listing price for 2022-08-01 was $594,500, a difference of $57,000 (10.6%) versus the prior year and $-5,499 versus the prior month.

    Stockton's median listing price comes in at 137% of the national average.

    Stockton's average listing price for 2022-08-01 was $659,196, a difference of $15,201 (2.4%) versus the prior year and $-19,284 versus the prior month.

    For the 2022-08-01 period, Stockton had 1,314 MLS listings, a difference of 3 listings (0%) versus the prior month and 540 listings (70%) 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 1,916 sqft
    2018-02-01 38 days 1,850 sqft
    2018-03-01 33 days 1,795 sqft
    2018-04-01 31 days 1,808 sqft
    2018-05-01 29 days 1,811 sqft
    2018-06-01 35 days 1,849 sqft
    2018-07-01 36 days 1,835 sqft
    2018-08-01 36 days 1,800 sqft
    2018-09-01 36 days 1,830 sqft
    2018-10-01 43 days 1,831 sqft
    2018-11-01 45 days 1,819 sqft
    2018-12-01 53 days 1,818 sqft
    2019-01-01 61 days 1,811 sqft
    2019-02-01 47 days 1,820 sqft
    2019-03-01 41 days 1,867 sqft
    2019-04-01 35 days 1,915 sqft
    2019-05-01 35 days 1,974 sqft
    2019-06-01 36 days 1,954 sqft
    2019-07-01 41 days 1,962 sqft
    2019-08-01 44 days 1,947 sqft
    2019-09-01 43 days 1,916 sqft
    2019-10-01 39 days 1,921 sqft
    2019-11-01 44 days 1,948 sqft
    2019-12-01 56 days 1,941 sqft
    2020-01-01 60 days 1,901 sqft
    2020-02-01 32 days 1,981 sqft
    2020-03-01 35 days 1,937 sqft
    2020-04-01 39 days 1,888 sqft
    2020-05-01 47 days 1,919 sqft
    2020-06-01 44 days 1,959 sqft
    2020-07-01 40 days 1,947 sqft
    2020-08-01 39 days 1,900 sqft
    2020-09-01 35 days 1,906 sqft
    2020-10-01 34 days 1,859 sqft
    2020-11-01 38 days 1,838 sqft
    2020-12-01 46 days 1,800 sqft
    2021-01-01 44 days 1,796 sqft
    2021-02-01 31 days 1,699 sqft
    2021-03-01 28 days 1,662 sqft
    2021-04-01 25 days 1,723 sqft
    2021-05-01 25 days 1,751 sqft
    2021-06-01 22 days 1,827 sqft
    2021-07-01 24 days 1,815 sqft
    2021-08-01 26 days 1,851 sqft
    2021-09-01 29 days 1,831 sqft
    2021-10-01 34 days 1,830 sqft
    2021-11-01 39 days 1,821 sqft
    2021-12-01 45 days 1,800 sqft
    2022-01-01 39 days 1,750 sqft
    2022-02-01 28 days 1,746 sqft
    2022-03-01 27 days 1,822 sqft
    2022-04-01 24 days 1,885 sqft
    2022-05-01 22 days 1,915 sqft
    2022-06-01 26 days 1,926 sqft
    2022-07-01 29 days 1,898 sqft
    2022-08-01 37 days 1,906 sqft
    Stockton's median listing age (time on market) for 2022-08-01 was 37 days. This is 40% longer than the same period one year ago.

    Stockton's median square footage for active listings during the 2022-08-01 period was 1,906 sqft. One year prior, the average listing was 1,851 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.