Uvalde VA Loan Rates, Closing Costs & Stats

Uvalde, 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.

    Uvalde's 12 lenders originated 15 VA loans during 2023. The total origination value was $5,355,000, with an average VA loan value of $357,000.

    Uvalde VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Uvalde averaged 0.24% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    Uvalde's average VA mortgage closing costs are $5,967.

    The average rate for the prior week (2024-11-08) was 6.34% and one month ago for the week of 2024-10-11, the average rate was 6.01%.

    The average rate one year ago was 7.2%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0%.

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

    Uvalde 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 Uvalde level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 3 6.92% $13,166
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $5,960
    Equity Prime Mortgage LLC 1 6.63% $13,514
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.75% $3,087
    GARDNER FINANCIAL SERVICES, LTD. 1 6.13% $28,391
    GUARANTEED RATE, INC. 1 6.25% $7,435
    NAVY FEDERAL CREDIT UNION 1 5.50% $16,286
    Northpointe Bank 1 5.75% $1,614
    QUICKEN LOANS, LLC 1 6.75% $4,388
    UNITED WHOLESALE MORTGAGE, LLC 1 5.63% $1,503
    AMCAP MORTGAGE, LTD. 1 6.25% $8,282
    Wallick & Volk, Inc. 1 4.95% $4,455

    The top Uvalde VA lender as defined by loan originations is Mortgage Research Center, LLC, with 3 VA loans originated. Their average total fees are $13,166, which is $7,206 higher than the next largest lender, AMERICAN PACIFIC MORTGAGE CORPORATION.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Uvalde (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 $218,625 (14.3%) $303,932 (22.6%) 0.00 116
    2018-02-01 $208,225 (8.2%) $275,725 (11.7%) 0.00 114
    2018-03-01 $214,250 (-0.1%) $257,558 (-9.5%) 0.00 121
    2018-04-01 $218,500 (1.6%) $291,152 (5.3%) 0.00 124
    2018-05-01 $235,500 (18.9%) $338,638 (31.4%) 0.00 119
    2018-06-01 $239,750 (26.2%) $359,906 (41.3%) 0.00 121
    2018-07-01 $239,250 (20.5%) $363,722 (40.0%) 0.00 123
    2018-08-01 $223,500 (6.4%) $305,796 (14.3%) 0.00 131
    2018-09-01 $219,950 (10.1%) $296,212 (13.0%) 0.00 120
    2018-10-01 $222,500 (12.9%) $304,070 (14.9%) 0.00 112
    2018-11-01 $217,000 (2.1%) $288,255 (-0.4%) 0.00 119
    2018-12-01 $204,900 (-4.7%) $278,501 (-7.7%) 0.00 117
    2019-01-01 $204,950 (-6.3%) $277,158 (-8.8%) 0.00 101
    2019-02-01 $213,250 (2.4%) $288,725 (4.7%) 0.00 101
    2019-03-01 $219,514 (2.5%) $297,840 (15.6%) 0.00 106
    2019-04-01 $219,064 (0.3%) $304,233 (4.5%) 0.00 111
    2019-05-01 $239,250 (1.6%) $315,319 (-6.9%) 0.00 114
    2019-06-01 $234,000 (-2.4%) $305,017 (-15.3%) 0.00 113
    2019-07-01 $233,250 (-2.5%) $299,004 (-17.8%) 0.00 116
    2019-08-01 $234,455 (4.9%) $307,684 (0.6%) 0.00 113
    2019-09-01 $231,386 (5.2%) $309,449 (4.5%) 0.00 108
    2019-10-01 $229,341 (3.1%) $311,898 (2.6%) 0.00 105
    2019-11-01 $239,000 (10.1%) $316,349 (9.8%) 0.00 100
    2019-12-01 $242,200 (18.2%) $321,424 (15.4%) 0.00 98
    2020-01-01 $262,500 (28.1%) $338,101 (22.0%) 0.00 95
    2020-02-01 $260,000 (21.9%) $334,958 (16.0%) 0.00 92
    2020-03-01 $271,750 (23.8%) $350,563 (17.7%) 0.00 97
    2020-04-01 $282,000 (28.7%) $351,687 (15.6%) 0.00 95
    2020-05-01 $287,000 (20.0%) $353,362 (12.1%) 0.00 95
    2020-06-01 $314,000 (34.2%) $388,835 (27.5%) 0.00 94
    2020-07-01 $334,000 (43.2%) $417,118 (39.5%) 0.00 78
    2020-08-01 $294,000 (25.4%) $393,523 (27.9%) 0.00 76
    2020-09-01 $292,000 (26.2%) $372,436 (20.4%) 0.00 78
    2020-10-01 $282,500 (23.2%) $378,505 (21.4%) 0.00 84
    2020-11-01 $291,500 (22.0%) $419,965 (32.8%) 0.00 79
    2020-12-01 $287,000 (18.5%) $387,656 (20.6%) 0.00 73
    2021-01-01 $292,000 (11.2%) $393,374 (16.4%) 0.00 64
    2021-02-01 $282,000 (8.5%) $354,405 (5.8%) 0.00 62
    2021-03-01 $291,500 (7.3%) $351,243 (0.2%) 0.00 55
    2021-04-01 $292,450 (3.7%) $369,500 (5.1%) 0.00 48
    2021-05-01 $287,450 (0.2%) $370,416 (4.8%) 0.00 39
    2021-06-01 $304,975 (-2.9%) $401,443 (3.2%) 0.00 31
    2021-07-01 $269,500 (-19.3%) $466,721 (11.9%) 0.00 41
    2021-08-01 $312,000 (6.1%) $483,035 (22.8%) 0.00 41
    2021-09-01 $331,175 (13.4%) $420,596 (12.9%) 0.00 41
    2021-10-01 $295,000 (4.4%) $390,766 (3.2%) 0.00 32
    2021-11-01 $303,725 (4.2%) $404,914 (-3.6%) 0.00 33
    2021-12-01 $306,200 (6.7%) $397,060 (2.4%) 0.00 31
    2022-01-01 $277,000 (-5.1%) $358,610 (-8.8%) 0.00 35
    2022-02-01 $263,450 (-6.6%) $449,439 (26.8%) 0.00 33
    2022-03-01 $267,450 (-8.3%) $462,717 (31.7%) 0.00 36
    2022-04-01 $312,000 (6.7%) $427,582 (15.7%) 0.00 39
    2022-05-01 $342,250 (19.1%) $481,176 (29.9%) 0.00 40
    2022-06-01 $307,125 (0.7%) $469,077 (16.9%) 0.00 50
    2022-07-01 $310,000 (15.0%) $440,497 (-5.6%) 0.00 62
    2022-08-01 $341,225 (9.4%) $463,444 (-4.1%) 0.00 74
    2022-09-01 $366,500 (10.7%) $487,653 (15.9%) 0.00 77
    2022-10-01 $345,450 (17.1%) $490,542 (25.5%) 0.00 77
    2022-11-01 $335,900 (10.6%) $453,582 (12.0%) 0.00 80
    2022-12-01 $364,999 (19.2%) $472,656 (19.0%) 0.00 77
    2023-01-01 $332,425 (20.0%) $431,171 (20.2%) 0.00 82
    2023-02-01 $327,000 (24.1%) $422,803 (-5.9%) 0.00 75
    2023-03-01 $340,950 (27.5%) $458,912 (-0.8%) 0.00 78
    2023-04-01 $312,450 (0.1%) $465,494 (8.9%) 0.00 72
    2023-05-01 $285,000 (-16.7%) $438,191 (-8.9%) 0.00 83
    2023-06-01 $284,725 (-7.3%) $407,482 (-13.1%) 0.00 81
    2023-07-01 $319,450 (3.1%) $419,430 (-4.8%) 0.00 81
    2023-08-01 $325,000 (-4.8%) $458,557 (-1.1%) 0.00 88
    2023-09-01 $347,450 (-5.2%) $472,208 (-3.2%) 0.00 91
    2023-10-01 $351,225 (1.7%) $490,573 (0.0%) 0.00 97
    2023-11-01 $349,500 (4.1%) $479,429 (5.7%) 0.00 97
    2023-12-01 $370,000 (1.4%) $495,670 (4.9%) 0.00 83
    2024-01-01 $365,000 (9.8%) $523,070 (21.3%) 0.00 75
    2024-02-01 $348,000 (6.4%) $512,218 (21.2%) 0.00 80
    2024-03-01 $357,500 (4.9%) $539,645 (17.6%) 0.00 97
    2024-04-01 $399,000 (27.7%) $574,306 (23.4%) 0.00 92
    2024-05-01 $435,000 (52.6%) $616,476 (40.7%) 0.00 98
    2024-06-01 $416,000 (46.1%) $556,363 (36.5%) 0.00 112
    2024-07-01 $394,250 (23.4%) $517,741 (23.4%) 0.00 118
    2024-08-01 $389,250 (19.8%) $540,287 (17.8%) 0.00 122
    2024-09-01 $399,000 (14.8%) $843,041 (78.5%) 0.00 119
    2024-10-01 $399,000 (13.6%) $724,616 (47.7%) 0.00 119
    Uvalde's median listing price for 2024-10-01 was $399,000, a difference of $47,775 (13.6%) versus the prior year and $0 versus the prior month.

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

    Uvalde's average listing price for 2024-10-01 was $724,616, a difference of $234,043 (47.7%) versus the prior year and $-118,425 versus the prior month.

    For the 2024-10-01 period, Uvalde had 119 MLS listings, a difference of 0 listings (0%) versus the prior month and 22 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Uvalde (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,090 sqft
    2018-02-01 0 days 2,009 sqft
    2018-03-01 0 days 2,047 sqft
    2018-04-01 0 days 2,061 sqft
    2018-05-01 0 days 2,079 sqft
    2018-06-01 0 days 2,109 sqft
    2018-07-01 0 days 2,144 sqft
    2018-08-01 0 days 2,097 sqft
    2018-09-01 0 days 2,016 sqft
    2018-10-01 0 days 2,049 sqft
    2018-11-01 0 days 2,004 sqft
    2018-12-01 0 days 1,995 sqft
    2019-01-01 0 days 1,966 sqft
    2019-02-01 0 days 2,003 sqft
    2019-03-01 0 days 2,048 sqft
    2019-04-01 0 days 2,063 sqft
    2019-05-01 0 days 2,088 sqft
    2019-06-01 0 days 2,078 sqft
    2019-07-01 0 days 2,001 sqft
    2019-08-01 0 days 2,010 sqft
    2019-09-01 0 days 2,022 sqft
    2019-10-01 0 days 2,031 sqft
    2019-11-01 0 days 2,016 sqft
    2019-12-01 0 days 2,109 sqft
    2020-01-01 0 days 2,125 sqft
    2020-02-01 0 days 2,183 sqft
    2020-03-01 0 days 2,259 sqft
    2020-04-01 0 days 2,308 sqft
    2020-05-01 0 days 2,286 sqft
    2020-06-01 0 days 2,266 sqft
    2020-07-01 0 days 2,446 sqft
    2020-08-01 0 days 2,258 sqft
    2020-09-01 0 days 2,167 sqft
    2020-10-01 0 days 2,150 sqft
    2020-11-01 0 days 2,243 sqft
    2020-12-01 0 days 2,319 sqft
    2021-01-01 0 days 2,362 sqft
    2021-02-01 0 days 2,318 sqft
    2021-03-01 0 days 2,291 sqft
    2021-04-01 0 days 2,195 sqft
    2021-05-01 0 days 2,206 sqft
    2021-06-01 0 days 2,283 sqft
    2021-07-01 0 days 1,967 sqft
    2021-08-01 0 days 2,108 sqft
    2021-09-01 0 days 1,857 sqft
    2021-10-01 0 days 1,656 sqft
    2021-11-01 0 days 1,653 sqft
    2021-12-01 0 days 1,662 sqft
    2022-01-01 0 days 1,653 sqft
    2022-02-01 0 days 1,632 sqft
    2022-03-01 0 days 1,687 sqft
    2022-04-01 0 days 1,706 sqft
    2022-05-01 0 days 1,729 sqft
    2022-06-01 0 days 1,804 sqft
    2022-07-01 0 days 2,020 sqft
    2022-08-01 0 days 2,142 sqft
    2022-09-01 0 days 2,149 sqft
    2022-10-01 0 days 2,020 sqft
    2022-11-01 0 days 2,024 sqft
    2022-12-01 0 days 2,158 sqft
    2023-01-01 0 days 1,900 sqft
    2023-02-01 0 days 1,862 sqft
    2023-03-01 0 days 1,858 sqft
    2023-04-01 0 days 1,854 sqft
    2023-05-01 0 days 1,782 sqft
    2023-06-01 0 days 1,760 sqft
    2023-07-01 0 days 1,756 sqft
    2023-08-01 0 days 1,800 sqft
    2023-09-01 0 days 1,859 sqft
    2023-10-01 0 days 1,857 sqft
    2023-11-01 0 days 1,852 sqft
    2023-12-01 0 days 1,960 sqft
    2024-01-01 0 days 2,063 sqft
    2024-02-01 0 days 1,868 sqft
    2024-03-01 0 days 1,952 sqft
    2024-04-01 0 days 1,951 sqft
    2024-05-01 0 days 1,977 sqft
    2024-06-01 0 days 1,968 sqft
    2024-07-01 0 days 1,815 sqft
    2024-08-01 0 days 1,827 sqft
    2024-09-01 0 days 1,908 sqft
    2024-10-01 0 days 1,944 sqft
    Uvalde's median listing age (time on market) for 2024-10-01 was 0 days.

    Uvalde's median square footage for active listings during the 2024-10-01 period was 1,944 sqft. One year prior, the average listing was 1,857 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.