Tyler VA Loan Rates, Closing Costs & Stats

TYLER, TX

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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.

    Tyler's 61 lenders originated 349 VA loans during 2024. The total origination value was $121,335,000, with an average VA loan value of $347,665.

    Tyler VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Tyler averaged 7.2% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Tyler's average VA mortgage closing costs are $6,579.

    The average rate for the prior week (2025-05-16) was 7.09% and one month ago for the week of 2025-04-18, the average rate was 7.16%.

    The average rate one year ago was 6.98%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.62%.

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

    Tyler 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 Tyler level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 65 6.40% $6,162
    UNITED WHOLESALE MORTGAGE, LLC 54 6.06% $6,309
    CMG MORTGAGE, INC. 23 6.79% $9,454
    NEWREZ LLC 18 6.32% $9,749
    USAA Federal Savings Bank 13 6.35% $8,328
    GUILD MORTGAGE COMPANY 11 6.33% $8,741
    FREEDOM MORTGAGE CORPORATION 11 6.11% $5,261
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.53% $6,888
    NAVY FEDERAL CREDIT UNION 9 6.04% $5,105
    QUICKEN LOANS, LLC 9 5.68% $6,724
    PENNYMAC LOAN SERVICES, LLC 8 5.80% $7,132
    CARDINAL FINANCIAL 7 6.61% $13,854
    MORTGAGE SOLUTIONS OF COLORADO, LLC 6 7.25% $3,423
    VILLAGE CAPITAL MORTGAGE 6 5.58% $5,191
    MORTGAGE FINANCIAL SERVICES, LLC 5 6.37% $7,843
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 6.40% $6,805
    HALLMARK HOME MORTGAGE, LLC 5 6.23% $9,186
    LAKEVIEW LOAN SERVICING, LLC 4 5.90% $7,644
    ALTRA 3 6.46% $4,901
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.46% $12,704
    CROSSCOUNTRY MORTGAGE, LLC 3 6.54% $6,502
    Waterstone Mortgage Corporation 3 6.96% $4,407
    GUARANTEED RATE, INC. 2 5.75% $6,676
    EVERETT FINANCIAL, INC. 2 6.56% $7,053
    Ixonia Bank 2 6.25% $9,139
    Equity Prime Mortgage LLC 2 7.00% $2,219
    Paramount Residential Mortgage Group, Inc. 2 6.00% $3,961
    Plains Commerce Bank 2 5.88% $7,312
    SUMMIT FUNDING, INC. 2 6.69% $10,296
    AMERICAN FINANCIAL NETWORK, INC. 2 4.81% $4,047
    GUARANTEED RATE AFFINITY, LLC 2 6.25% $9,009
    Century Mortgage Company DBA Century Lending Company 1 5.50% $1,916
    CANOPY MORTGAGE, LLC 1 6.75% $21,034
    Mr. Cooper ( Nationstar Mortgage ) 1 5.25% $9,800
    BROKER SOLUTIONS, INC. 1 7.25% $7,582
    NBH Bank 1 6.49% $9,018
    BETTER MORTGAGE CORPORATION 1 6.00% $9,204
    NFM, INC. 1 6.88% $15,205
    AMERISAVE MORTGAGE CORPORATION 1 4.75% $53,282
    Barrington Bank & Trust Company, N.A. 1 6.25% $2,460
    PHH Mortgage Corporation 1 5.49% $4,940
    PILGRIM MORTGAGE LLC 1 6.49% $12,800
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.25% $8,692
    PLANET HOME LENDING, LLC 1 5.49% $4,931
    PLAZA HOME MORTGAGE, INC. 1 5.50% $10,000
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $8,619
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $14,566
    PRIORITY HOME MORTGAGE, L.P. 1 5.63% $11,129
    Armed Forces Bank 1 5.75% $9,792
    RANLIFE, INC. 1 6.25% $16,435
    Residential Mortgage Solutions, Inc. 1 5.75% $4,324
    SFMC, LP 1 6.75% $15,607
    Sierra Pacific Mortgage Company, Inc. 1 7.13% $5,701
    Gateway First Bank 1 7.13% $14,716
    First Horizon Bank 1 5.50% $4,024
    U.S. Bank 1 6.13% $10,832
    INTEGRITY MORTGAGE CORPORATION OF TEXAS 1 6.63% $16,586
    SWBC MORTGAGE CORPORATION 1 6.13% $1,261
    JPMorgan Chase Bank 1 6.88% $956
    The Federal Savings Bank 1 7.13% $9,435
    CHURCHILL MORTGAGE CORPORATION 1 7.13% $13,491

    The top Tyler VA lender as defined by loan originations is Mortgage Research Center, LLC, with 65 VA loans originated. Their average total fees are $6,162, which is $147 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Tyler VA lenders (with over 10 loans originated) are FREEDOM MORTGAGE CORPORATION ($5,261), Mortgage Research Center, LLC ($6,162), UNITED WHOLESALE MORTGAGE, LLC ($6,309), USAA Federal Savings Bank ($8,328) and GUILD MORTGAGE COMPANY ($8,741).

    The lowest rate Tyler VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.06%), FREEDOM MORTGAGE CORPORATION (6.11%), NEWREZ LLC (6.32%), GUILD MORTGAGE COMPANY (6.33%) and USAA Federal Savings Bank (6.35%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Tyler (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 $265,675 (9.6%) $391,658 (21.8%) 0.98 871
    2018-02-01 $268,250 (10.4%) $389,045 (20.4%) 0.97 887
    2018-03-01 $278,000 (11.7%) $395,833 (21.4%) 0.98 893
    2018-04-01 $282,481 (8.7%) $400,944 (18.1%) 0.96 913
    2018-05-01 $285,495 (9.0%) $401,777 (17.1%) 0.95 937
    2018-06-01 $274,900 (2.2%) $363,791 (-3.1%) 0.92 985
    2018-07-01 $274,100 (1.9%) $358,094 (-4.2%) 0.92 984
    2018-08-01 $265,000 (-1.8%) $346,225 (-8.9%) 0.89 992
    2018-09-01 $265,000 (-3.6%) $344,909 (-10.8%) 0.89 927
    2018-10-01 $266,750 (-3.0%) $348,552 (-10.7%) 0.90 931
    2018-11-01 $269,250 (-0.7%) $349,158 (-10.1%) 0.91 895
    2018-12-01 $275,000 (2.5%) $353,198 (-8.9%) 0.95 820
    2019-01-01 $275,575 (3.7%) $353,970 (-9.6%) 0.95 771
    2019-02-01 $269,350 (0.4%) $356,745 (-8.3%) 0.91 758
    2019-03-01 $280,100 (0.8%) $369,118 (-6.8%) 0.92 757
    2019-04-01 $294,950 (4.4%) $378,470 (-5.6%) 0.94 784
    2019-05-01 $304,950 (6.8%) $392,696 (-2.3%) 0.95 786
    2019-06-01 $299,999 (9.1%) $392,302 (7.8%) 0.94 785
    2019-07-01 $297,250 (8.5%) $380,894 (6.4%) 0.93 780
    2019-08-01 $292,273 (10.3%) $374,185 (8.1%) 0.93 771
    2019-09-01 $290,432 (9.6%) $370,592 (7.5%) 0.93 769
    2019-10-01 $289,205 (8.4%) $369,171 (5.9%) 0.93 764
    2019-11-01 $275,000 (2.1%) $358,998 (2.8%) 0.90 754
    2019-12-01 $269,450 (-2.0%) $346,649 (-1.9%) 0.90 735
    2020-01-01 $269,900 (-2.1%) $348,328 (-1.6%) 0.90 699
    2020-02-01 $269,900 (0.2%) $358,074 (0.4%) 0.88 662
    2020-03-01 $269,900 (-3.6%) $365,528 (-1.0%) 0.85 686
    2020-04-01 $274,978 (-6.8%) $363,577 (-3.9%) 0.86 688
    2020-05-01 $285,000 (-6.5%) $387,674 (-1.3%) 0.87 678
    2020-06-01 $291,013 (-3.0%) $391,928 (-0.1%) 0.86 670
    2020-07-01 $293,125 (-1.4%) $400,816 (5.2%) 0.85 623
    2020-08-01 $289,500 (-1.0%) $399,371 (6.7%) 0.83 596
    2020-09-01 $294,825 (1.5%) $400,952 (8.2%) 0.84 570
    2020-10-01 $290,000 (0.3%) $405,427 (9.8%) 0.83 503
    2020-11-01 $284,975 (3.6%) $389,446 (8.5%) 0.83 478
    2020-12-01 $295,000 (9.5%) $405,272 (16.9%) 0.88 436
    2021-01-01 $289,950 (7.4%) $391,726 (12.5%) 0.87 385
    2021-02-01 $299,600 (11.0%) $404,255 (12.9%) 0.87 334
    2021-03-01 $298,700 (10.7%) $424,656 (16.2%) 0.85 300
    2021-04-01 $312,625 (13.7%) $453,425 (24.7%) 0.85 311
    2021-05-01 $342,490 (20.2%) $472,524 (21.9%) 0.91 317
    2021-06-01 $364,950 (25.4%) $522,819 (33.4%) 0.96 336
    2021-07-01 $360,000 (22.8%) $514,385 (28.3%) 0.95 380
    2021-08-01 $356,700 (23.2%) $488,691 (22.4%) 0.95 432
    2021-09-01 $350,000 (18.7%) $497,789 (24.2%) 0.93 423
    2021-10-01 $349,944 (20.7%) $504,302 (24.4%) 0.93 399
    2021-11-01 $359,719 (26.2%) $542,062 (39.2%) 0.96 357
    2021-12-01 $361,519 (22.6%) $541,818 (33.7%) 0.98 349
    2022-01-01 $364,700 (25.8%) $549,645 (40.3%) 0.99 309
    2022-02-01 $369,747 (23.4%) $555,158 (37.3%) 0.96 274
    2022-03-01 $357,850 (19.8%) $548,102 (29.1%) 0.90 265
    2022-04-01 $359,990 (15.2%) $569,936 (25.7%) 0.86 312
    2022-05-01 $382,200 (11.6%) $562,673 (19.1%) 0.87 401
    2022-06-01 $396,250 (8.6%) $571,070 (9.2%) 0.88 478
    2022-07-01 $394,700 (9.6%) $544,746 (5.9%) 0.89 555
    2022-08-01 $389,088 (9.1%) $554,800 (13.5%) 0.90 596
    2022-09-01 $392,500 (12.1%) $539,092 (8.3%) 0.92 646
    2022-10-01 $399,000 (14.0%) $539,693 (7.0%) 0.94 687
    2022-11-01 $399,450 (11.1%) $522,383 (-3.6%) 0.96 716
    2022-12-01 $403,750 (11.7%) $532,425 (-1.7%) 1.00 704
    2023-01-01 $400,000 (9.7%) $537,741 (-2.2%) 0.99 684
    2023-02-01 $405,935 (9.8%) $540,819 (-2.6%) 0.98 680
    2023-03-01 $409,950 (14.6%) $551,321 (0.6%) 0.97 684
    2023-04-01 $399,000 (10.8%) $535,826 (-6.0%) 0.93 693
    2023-05-01 $399,450 (4.5%) $533,033 (-5.3%) 0.91 707
    2023-06-01 $397,500 (0.3%) $518,146 (-9.3%) 0.89 773
    2023-07-01 $391,000 (-0.9%) $507,850 (-6.8%) 0.89 815
    2023-08-01 $385,000 (-1.1%) $511,781 (-7.8%) 0.88 863
    2023-09-01 $386,000 (-1.7%) $524,925 (-2.6%) 0.90 880
    2023-10-01 $381,850 (-4.3%) $511,190 (-5.3%) 0.90 942
    2023-11-01 $375,000 (-6.1%) $506,221 (-3.1%) 0.89 972
    2023-12-01 $375,000 (-7.1%) $503,318 (-5.5%) 0.91 948
    2024-01-01 $375,000 (-6.3%) $492,803 (-8.4%) 0.92 890
    2024-02-01 $384,450 (-5.3%) $493,644 (-8.7%) 0.93 886
    2024-03-01 $391,650 (-4.5%) $490,211 (-11.1%) 0.92 923
    2024-04-01 $395,625 (-0.9%) $489,109 (-8.7%) 0.92 894
    2024-05-01 $393,500 (-1.5%) $491,741 (-7.8%) 0.90 945
    2024-06-01 $385,000 (-3.1%) $484,085 (-6.6%) 0.88 1,046
    2024-07-01 $379,750 (-2.9%) $485,946 (-4.3%) 0.87 1,121
    2024-08-01 $380,328 (-1.2%) $486,277 (-5.0%) 0.88 1,094
    2024-09-01 $375,000 (-2.9%) $473,958 (-9.7%) 0.88 1,080
    2024-10-01 $379,250 (-0.7%) $471,132 (-7.8%) 0.89 1,102
    2024-11-01 $369,900 (-1.4%) $466,354 (-7.9%) 0.89 1,090
    2024-12-01 $374,925 (0.0%) $474,938 (-5.6%) 0.93 1,038
    2025-01-01 $371,575 (-0.9%) $473,294 (-4.0%) 0.93 990
    2025-02-01 $372,400 (-3.1%) $467,105 (-5.4%) 0.90 1,072
    2025-03-01 $374,900 (-4.3%) $477,853 (-2.5%) 0.88 1,131
    2025-04-01 $375,000 (-5.2%) $472,013 (-3.5%) 0.87 1,224
    Tyler's median listing price for 2025-04-01 was $375,000, a difference of $-20,625 (-5.2%) versus the prior year and $100 versus the prior month.

    Tyler's median listing price comes in at 87% of the national average.

    Tyler's average listing price for 2025-04-01 was $472,013, a difference of $-17,096 (-3.5%) versus the prior year and $-5,840 versus the prior month.

    For the 2025-04-01 period, Tyler had 1,224 MLS listings, a difference of 93 listings (8%) versus the prior month and 330 listings (37%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Tyler (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 87 days 2,307 sqft
    2018-02-01 77 days 2,279 sqft
    2018-03-01 66 days 2,304 sqft
    2018-04-01 63 days 2,323 sqft
    2018-05-01 59 days 2,337 sqft
    2018-06-01 57 days 2,304 sqft
    2018-07-01 60 days 2,284 sqft
    2018-08-01 65 days 2,270 sqft
    2018-09-01 72 days 2,278 sqft
    2018-10-01 67 days 2,275 sqft
    2018-11-01 67 days 2,266 sqft
    2018-12-01 78 days 2,274 sqft
    2019-01-01 86 days 2,276 sqft
    2019-02-01 83 days 2,232 sqft
    2019-03-01 68 days 2,274 sqft
    2019-04-01 54 days 2,344 sqft
    2019-05-01 49 days 2,434 sqft
    2019-06-01 51 days 2,436 sqft
    2019-07-01 53 days 2,430 sqft
    2019-08-01 57 days 2,414 sqft
    2019-09-01 59 days 2,395 sqft
    2019-10-01 60 days 2,369 sqft
    2019-11-01 67 days 2,301 sqft
    2019-12-01 71 days 2,211 sqft
    2020-01-01 76 days 2,155 sqft
    2020-02-01 64 days 2,144 sqft
    2020-03-01 53 days 2,175 sqft
    2020-04-01 57 days 2,181 sqft
    2020-05-01 59 days 2,208 sqft
    2020-06-01 51 days 2,262 sqft
    2020-07-01 51 days 2,233 sqft
    2020-08-01 52 days 2,235 sqft
    2020-09-01 53 days 2,252 sqft
    2020-10-01 51 days 2,199 sqft
    2020-11-01 51 days 2,204 sqft
    2020-12-01 64 days 2,251 sqft
    2021-01-01 67 days 2,177 sqft
    2021-02-01 44 days 2,149 sqft
    2021-03-01 49 days 2,147 sqft
    2021-04-01 33 days 2,188 sqft
    2021-05-01 36 days 2,202 sqft
    2021-06-01 38 days 2,258 sqft
    2021-07-01 38 days 2,201 sqft
    2021-08-01 38 days 2,191 sqft
    2021-09-01 41 days 2,185 sqft
    2021-10-01 50 days 2,130 sqft
    2021-11-01 56 days 2,133 sqft
    2021-12-01 55 days 2,108 sqft
    2022-01-01 54 days 2,029 sqft
    2022-02-01 46 days 2,062 sqft
    2022-03-01 38 days 2,002 sqft
    2022-04-01 29 days 2,001 sqft
    2022-05-01 30 days 2,050 sqft
    2022-06-01 33 days 2,104 sqft
    2022-07-01 36 days 2,074 sqft
    2022-08-01 39 days 2,050 sqft
    2022-09-01 43 days 2,093 sqft
    2022-10-01 49 days 2,138 sqft
    2022-11-01 54 days 2,143 sqft
    2022-12-01 71 days 2,172 sqft
    2023-01-01 73 days 2,126 sqft
    2023-02-01 68 days 2,150 sqft
    2023-03-01 57 days 2,170 sqft
    2023-04-01 50 days 2,113 sqft
    2023-05-01 49 days 2,176 sqft
    2023-06-01 44 days 2,130 sqft
    2023-07-01 45 days 2,097 sqft
    2023-08-01 50 days 2,097 sqft
    2023-09-01 54 days 2,102 sqft
    2023-10-01 56 days 2,097 sqft
    2023-11-01 59 days 2,081 sqft
    2023-12-01 68 days 2,075 sqft
    2024-01-01 73 days 2,081 sqft
    2024-02-01 68 days 2,093 sqft
    2024-03-01 50 days 2,095 sqft
    2024-04-01 51 days 2,113 sqft
    2024-05-01 47 days 2,114 sqft
    2024-06-01 52 days 2,087 sqft
    2024-07-01 57 days 2,071 sqft
    2024-08-01 61 days 2,063 sqft
    2024-09-01 63 days 2,032 sqft
    2024-10-01 63 days 2,046 sqft
    2024-11-01 65 days 2,030 sqft
    2024-12-01 69 days 2,031 sqft
    2025-01-01 77 days 2,018 sqft
    2025-02-01 69 days 2,016 sqft
    2025-03-01 54 days 2,031 sqft
    2025-04-01 53 days 2,057 sqft
    Tyler's median listing age (time on market) for 2025-04-01 was 53 days. This is 3% longer than the same period one year ago.

    Tyler's median square footage for active listings during the 2025-04-01 period was 2,057 sqft. One year prior, the average listing was 2,113 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.