Ukiah VA Loan Rates, Closing Costs & Stats

Ukiah, 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.

    Ukiah's 14 lenders originated 28 VA loans during 2023. The total origination value was $14,350,000, with an average VA loan value of $512,500.

    Ukiah VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Ukiah averaged 6.33% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

    Ukiah's average VA mortgage closing costs are $6,865.

    The average rate for the prior week (2024-12-06) was 6.26% and one month ago for the week of 2024-11-08, the average rate was 6.46%.

    The average rate one year ago was 7.01%.

    For refis of the same type during the week of 2024-12-13, the average rate was 5.88%.

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

    Ukiah 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 Ukiah level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 4 6.12% $12,942
    Mortgage Research Center, LLC 4 6.47% $5,980
    CROSSCOUNTRY MORTGAGE, LLC 3 6.50% $7,593
    UNITED WHOLESALE MORTGAGE, LLC 3 6.00% $10,426
    EVERETT FINANCIAL, INC. 2 6.38% $12,584
    LOANDEPOT.COM, LLC 2 6.38% $22,318
    CMG MORTGAGE, INC. 2 6.69% $4,599
    VERITAS FUNDING, LLC 1 6.38% $20,900
    Equity Prime Mortgage LLC 1 7.75% $24,088
    NAVY FEDERAL CREDIT UNION 1 5.63% $34,578
    NEW DAY FINANCIAL, LLC 1 7.49% $7,628
    PLAZA HOME MORTGAGE, INC. 1 6.63% $10,221
    The Federal Savings Bank 1 6.25% $20,099
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.25% $23,354

    The top Ukiah VA lender as defined by loan originations is QUICKEN LOANS, LLC, with 4 VA loans originated. Their average total fees are $12,942, which is $6,961 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Ukiah VA lenders (with over 10 loans originated) are .

    The lowest rate Ukiah VA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Ukiah (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 $598,000 (1.6%) $870,697 (-4.1%) 0.00 283
    2018-02-01 $595,000 (4.9%) $839,095 (-7.7%) 0.00 304
    2018-03-01 $579,000 (6.3%) $876,058 (3.4%) 0.00 338
    2018-04-01 $586,000 (7.5%) $881,421 (6.2%) 0.00 358
    2018-05-01 $599,000 (6.0%) $905,836 (14.1%) 0.00 460
    2018-06-01 $599,900 (4.4%) $892,717 (12.4%) 0.00 477
    2018-07-01 $619,225 (5.1%) $883,148 (1.1%) 0.00 498
    2018-08-01 $631,000 (10.3%) $880,343 (2.5%) 0.00 494
    2018-09-01 $619,000 (3.7%) $874,224 (0.8%) 0.00 494
    2018-10-01 $617,000 (-1.3%) $867,083 (-1.7%) 0.00 481
    2018-11-01 $599,000 (-4.8%) $857,865 (-5.0%) 0.00 459
    2018-12-01 $585,000 (-4.0%) $849,778 (-3.0%) 0.00 444
    2019-01-01 $577,000 (-3.5%) $858,828 (-1.4%) 0.00 415
    2019-02-01 $590,000 (-0.8%) $865,521 (3.2%) 0.00 413
    2019-03-01 $597,143 (3.1%) $900,851 (2.8%) 0.00 413
    2019-04-01 $595,000 (1.5%) $900,652 (2.2%) 0.00 416
    2019-05-01 $599,000 (0.0%) $914,550 (1.0%) 0.00 449
    2019-06-01 $595,000 (-0.8%) $911,471 (2.1%) 0.00 472
    2019-07-01 $595,000 (-3.9%) $928,337 (5.1%) 0.00 463
    2019-08-01 $599,000 (-5.1%) $942,158 (7.0%) 0.00 449
    2019-09-01 $599,000 (-3.2%) $944,781 (8.1%) 0.00 427
    2019-10-01 $599,000 (-2.9%) $951,639 (9.8%) 0.00 405
    2019-11-01 $599,400 (0.1%) $999,676 (16.5%) 0.00 375
    2019-12-01 $606,700 (3.7%) $993,778 (17.0%) 0.00 336
    2020-01-01 $595,000 (3.1%) $987,541 (15.0%) 0.00 302
    2020-02-01 $622,500 (5.5%) $993,793 (14.8%) 0.00 297
    2020-03-01 $627,375 (5.1%) $972,270 (7.9%) 0.00 295
    2020-04-01 $632,250 (6.3%) $988,886 (9.8%) 0.00 280
    2020-05-01 $639,000 (6.7%) $985,365 (7.7%) 0.00 280
    2020-06-01 $646,000 (8.6%) $1,017,797 (11.7%) 0.00 283
    2020-07-01 $663,750 (11.6%) $1,067,384 (15.0%) 0.00 218
    2020-08-01 $707,500 (18.1%) $1,124,653 (19.4%) 0.00 191
    2020-09-01 $799,000 (33.4%) $1,247,188 (32.0%) 0.00 189
    2020-10-01 $783,000 (30.7%) $1,257,342 (32.1%) 0.00 188
    2020-11-01 $761,250 (27.0%) $1,262,940 (26.3%) 0.00 176
    2020-12-01 $773,250 (27.5%) $1,203,372 (21.1%) 0.00 154
    2021-01-01 $750,000 (26.1%) $1,246,091 (26.2%) 0.00 131
    2021-02-01 $816,738 (31.2%) $1,378,527 (38.7%) 0.00 123
    2021-03-01 $850,000 (35.5%) $1,308,031 (34.5%) 0.00 125
    2021-04-01 $850,000 (34.4%) $1,345,470 (36.1%) 0.00 146
    2021-05-01 $762,500 (19.3%) $1,259,615 (27.8%) 0.00 167
    2021-06-01 $747,250 (15.7%) $1,210,290 (18.9%) 0.00 173
    2021-07-01 $780,000 (17.5%) $1,261,556 (18.2%) 0.00 170
    2021-08-01 $766,750 (8.4%) $1,314,431 (16.9%) 0.00 184
    2021-09-01 $699,000 (-12.5%) $1,241,541 (-0.5%) 0.00 195
    2021-10-01 $747,500 (-4.5%) $1,270,457 (1.0%) 0.00 212
    2021-11-01 $760,000 (-0.2%) $1,265,531 (0.2%) 0.00 208
    2021-12-01 $757,500 (-2.0%) $1,352,786 (12.4%) 0.00 194
    2022-01-01 $769,000 (2.5%) $1,345,697 (8.0%) 0.00 176
    2022-02-01 $749,500 (-8.2%) $1,321,939 (-4.1%) 0.00 188
    2022-03-01 $712,000 (-16.2%) $1,223,796 (-6.4%) 0.00 199
    2022-04-01 $699,000 (-17.8%) $1,140,623 (-15.2%) 0.00 244
    2022-05-01 $673,750 (-11.6%) $1,086,147 (-13.8%) 0.00 271
    2022-06-01 $660,750 (-11.6%) $1,068,989 (-11.7%) 0.00 300
    2022-07-01 $637,000 (-18.3%) $996,796 (-21.0%) 0.00 324
    2022-08-01 $612,500 (-20.1%) $970,995 (-26.1%) 0.00 313
    2022-09-01 $627,000 (-10.3%) $1,032,529 (-16.8%) 0.00 309
    2022-10-01 $620,000 (-17.1%) $1,039,799 (-18.2%) 0.00 312
    2022-11-01 $600,000 (-21.1%) $1,012,807 (-20.0%) 0.00 295
    2022-12-01 $599,000 (-20.9%) $950,609 (-29.7%) 0.00 274
    2023-01-01 $607,500 (-21.0%) $903,073 (-32.9%) 0.00 228
    2023-02-01 $599,000 (-20.1%) $999,169 (-24.4%) 0.00 218
    2023-03-01 $598,000 (-16.0%) $1,015,964 (-17.0%) 0.00 223
    2023-04-01 $609,500 (-12.8%) $1,013,407 (-11.2%) 0.00 250
    2023-05-01 $643,500 (-4.5%) $1,028,224 (-5.3%) 0.00 279
    2023-06-01 $617,500 (-6.6%) $1,015,585 (-5.0%) 0.00 303
    2023-07-01 $649,000 (1.9%) $1,010,352 (1.4%) 0.00 309
    2023-08-01 $677,125 (10.6%) $1,028,172 (5.9%) 0.00 314
    2023-09-01 $699,000 (11.5%) $1,069,083 (3.5%) 0.00 326
    2023-10-01 $699,000 (12.7%) $1,082,400 (4.1%) 0.00 326
    2023-11-01 $699,000 (16.5%) $1,080,578 (6.7%) 0.00 318
    2023-12-01 $675,000 (12.7%) $1,101,137 (15.8%) 0.00 298
    2024-01-01 $682,250 (12.3%) $1,089,032 (20.6%) 0.00 263
    2024-02-01 $688,250 (14.9%) $1,039,284 (4.0%) 0.00 253
    2024-03-01 $695,000 (16.2%) $1,042,186 (2.6%) 0.00 250
    2024-04-01 $699,000 (14.7%) $1,047,779 (3.4%) 0.00 269
    2024-05-01 $712,000 (10.6%) $1,058,510 (3.0%) 0.00 311
    2024-06-01 $724,500 (17.3%) $1,063,188 (4.7%) 0.00 349
    2024-07-01 $699,000 (7.7%) $1,051,847 (4.1%) 0.00 374
    2024-08-01 $679,000 (0.3%) $1,017,497 (-1.0%) 0.00 383
    2024-09-01 $677,000 (-3.2%) $1,031,604 (-3.5%) 0.00 384
    2024-10-01 $679,250 (-2.8%) $1,040,231 (-3.9%) 0.00 384
    2024-11-01 $645,000 (-7.7%) $977,256 (-9.6%) 0.00 377
    Ukiah's median listing price for 2024-11-01 was $645,000, a difference of $-54,000 (-7.7%) versus the prior year and $-34,250 versus the prior month.

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

    Ukiah's average listing price for 2024-11-01 was $977,256, a difference of $-103,322 (-9.6%) versus the prior year and $-62,975 versus the prior month.

    For the 2024-11-01 period, Ukiah had 377 MLS listings, a difference of -7 listings (-2%) versus the prior month and 59 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ukiah (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,757 sqft
    2018-02-01 0 days 1,720 sqft
    2018-03-01 0 days 1,723 sqft
    2018-04-01 0 days 1,719 sqft
    2018-05-01 0 days 1,700 sqft
    2018-06-01 0 days 1,722 sqft
    2018-07-01 0 days 1,700 sqft
    2018-08-01 0 days 1,713 sqft
    2018-09-01 0 days 1,700 sqft
    2018-10-01 0 days 1,700 sqft
    2018-11-01 0 days 1,680 sqft
    2018-12-01 0 days 1,680 sqft
    2019-01-01 0 days 1,632 sqft
    2019-02-01 0 days 1,625 sqft
    2019-03-01 0 days 1,641 sqft
    2019-04-01 0 days 1,638 sqft
    2019-05-01 0 days 1,688 sqft
    2019-06-01 0 days 1,660 sqft
    2019-07-01 0 days 1,686 sqft
    2019-08-01 0 days 1,704 sqft
    2019-09-01 0 days 1,709 sqft
    2019-10-01 0 days 1,713 sqft
    2019-11-01 0 days 1,716 sqft
    2019-12-01 0 days 1,728 sqft
    2020-01-01 0 days 1,732 sqft
    2020-02-01 0 days 1,800 sqft
    2020-03-01 0 days 1,705 sqft
    2020-04-01 0 days 1,676 sqft
    2020-05-01 0 days 1,700 sqft
    2020-06-01 0 days 1,761 sqft
    2020-07-01 0 days 1,820 sqft
    2020-08-01 0 days 1,900 sqft
    2020-09-01 0 days 1,935 sqft
    2020-10-01 0 days 1,848 sqft
    2020-11-01 0 days 1,852 sqft
    2020-12-01 0 days 1,849 sqft
    2021-01-01 0 days 1,800 sqft
    2021-02-01 0 days 1,831 sqft
    2021-03-01 0 days 1,867 sqft
    2021-04-01 0 days 1,898 sqft
    2021-05-01 0 days 1,776 sqft
    2021-06-01 0 days 1,693 sqft
    2021-07-01 0 days 1,644 sqft
    2021-08-01 0 days 1,653 sqft
    2021-09-01 0 days 1,600 sqft
    2021-10-01 0 days 1,689 sqft
    2021-11-01 0 days 1,752 sqft
    2021-12-01 0 days 1,778 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,669 sqft
    2022-03-01 0 days 1,673 sqft
    2022-04-01 0 days 1,666 sqft
    2022-05-01 0 days 1,636 sqft
    2022-06-01 0 days 1,597 sqft
    2022-07-01 0 days 1,600 sqft
    2022-08-01 0 days 1,608 sqft
    2022-09-01 0 days 1,675 sqft
    2022-10-01 0 days 1,700 sqft
    2022-11-01 0 days 1,683 sqft
    2022-12-01 0 days 1,648 sqft
    2023-01-01 0 days 1,695 sqft
    2023-02-01 0 days 1,597 sqft
    2023-03-01 0 days 1,584 sqft
    2023-04-01 0 days 1,600 sqft
    2023-05-01 0 days 1,685 sqft
    2023-06-01 0 days 1,650 sqft
    2023-07-01 0 days 1,700 sqft
    2023-08-01 0 days 1,705 sqft
    2023-09-01 0 days 1,764 sqft
    2023-10-01 0 days 1,775 sqft
    2023-11-01 0 days 1,776 sqft
    2023-12-01 0 days 1,723 sqft
    2024-01-01 0 days 1,733 sqft
    2024-02-01 0 days 1,781 sqft
    2024-03-01 0 days 1,800 sqft
    2024-04-01 0 days 1,800 sqft
    2024-05-01 0 days 1,852 sqft
    2024-06-01 0 days 1,856 sqft
    2024-07-01 0 days 1,817 sqft
    2024-08-01 0 days 1,774 sqft
    2024-09-01 0 days 1,787 sqft
    2024-10-01 0 days 1,797 sqft
    2024-11-01 0 days 1,750 sqft
    Ukiah's median listing age (time on market) for 2024-11-01 was 0 days.

    Ukiah's median square footage for active listings during the 2024-11-01 period was 1,750 sqft. One year prior, the average listing was 1,776 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.