Victoria VA Loan Rates, Closing Costs & Stats
VICTORIA, TX
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.
Victoria's 26 lenders originated 80 VA loans during 2023. The total origination value was $24,000,000, with an average VA loan value of $300,000.
Victoria VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Victoria
averaged
5.86%
for the week of 2024-10-04, compared to the national average (all VA variants) of
5.596% for the same period.
Victoria's average VA mortgage closing costs are $5,716.
The average rate for the prior week (2024-09-27) was
5.99% and
one month ago for the week of 2024-08-30, the
average rate was 5.82%.
The average rate one year ago was 7.25%.
For refis of the same type during the week of 2024-10-04, the average rate
was 5.8%.
Victoria 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 Victoria level.
The top Victoria VA lender as defined by loan originations is Mortgage Research Center, LLC, with
22 VA loans originated. Their average total fees are
$5,962, which is $2,532
lower than the next largest lender,
Wallick & Volk, Inc..
The lowest fee Victoria VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC ($5,962), Wallick & Volk, Inc. ($8,494), .
The lowest rate Victoria VA lenders (with over 10 loans originated) are
Wallick & Volk, Inc. (6.04%), Mortgage Research Center, LLC (6.80%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Victoria (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $229,938 (15.4%) | $278,157 (22.4%) | 0.00 | 266 |
2018-02-01 | $222,225 (12.6%) | $269,591 (18.2%) | 0.00 | 256 |
2018-03-01 | $223,750 (12.3%) | $269,170 (15.4%) | 0.00 | 256 |
2018-04-01 | $232,400 (11.6%) | $264,464 (10.4%) | 0.00 | 263 |
2018-05-01 | $224,450 (4.4%) | $261,413 (4.2%) | 0.00 | 273 |
2018-06-01 | $219,893 (0.7%) | $257,376 (2.1%) | 0.00 | 274 |
2018-07-01 | $228,225 (6.5%) | $249,303 (-0.3%) | 0.00 | 276 |
2018-08-01 | $221,600 (4.6%) | $245,236 (-1.9%) | 0.00 | 291 |
2018-09-01 | $221,886 (4.6%) | $250,566 (-0.3%) | 0.00 | 283 |
2018-10-01 | $229,950 (7.7%) | $254,382 (-0.7%) | 0.00 | 266 |
2018-11-01 | $234,900 (2.2%) | $255,857 (-8.6%) | 0.00 | 273 |
2018-12-01 | $239,400 (4.1%) | $269,609 (-4.4%) | 0.00 | 255 |
2019-01-01 | $237,450 (3.3%) | $267,231 (-3.9%) | 0.00 | 241 |
2019-02-01 | $232,175 (4.5%) | $267,568 (-0.8%) | 0.00 | 234 |
2019-03-01 | $240,421 (7.5%) | $299,211 (11.2%) | 0.00 | 232 |
2019-04-01 | $245,024 (5.4%) | $304,800 (15.3%) | 0.00 | 232 |
2019-05-01 | $242,450 (8.0%) | $279,800 (7.0%) | 0.00 | 251 |
2019-06-01 | $244,999 (11.4%) | $288,229 (12.0%) | 0.00 | 280 |
2019-07-01 | $248,686 (9.0%) | $291,441 (16.9%) | 0.00 | 284 |
2019-08-01 | $243,791 (10.0%) | $291,343 (18.8%) | 0.00 | 298 |
2019-09-01 | $234,627 (5.7%) | $288,340 (15.1%) | 0.00 | 314 |
2019-10-01 | $226,844 (-1.4%) | $285,186 (12.1%) | 0.00 | 324 |
2019-11-01 | $225,000 (-4.2%) | $291,886 (14.1%) | 0.00 | 302 |
2019-12-01 | $221,500 (-7.5%) | $288,019 (6.8%) | 0.00 | 294 |
2020-01-01 | $220,450 (-7.2%) | $275,551 (3.1%) | 0.00 | 286 |
2020-02-01 | $224,900 (-3.1%) | $286,072 (6.9%) | 0.00 | 278 |
2020-03-01 | $227,450 (-5.4%) | $294,703 (-1.5%) | 0.00 | 262 |
2020-04-01 | $229,900 (-6.2%) | $294,717 (-3.3%) | 0.00 | 258 |
2020-05-01 | $240,950 (-0.6%) | $309,360 (10.6%) | 0.00 | 235 |
2020-06-01 | $252,475 (3.1%) | $320,715 (11.3%) | 0.00 | 231 |
2020-07-01 | $265,350 (6.7%) | $327,423 (12.4%) | 0.00 | 239 |
2020-08-01 | $271,400 (11.3%) | $342,853 (17.7%) | 0.00 | 226 |
2020-09-01 | $274,550 (17.0%) | $351,239 (21.8%) | 0.00 | 219 |
2020-10-01 | $265,700 (17.1%) | $338,371 (18.7%) | 0.00 | 229 |
2020-11-01 | $268,921 (19.5%) | $333,205 (14.2%) | 0.00 | 231 |
2020-12-01 | $261,200 (17.9%) | $330,615 (14.8%) | 0.00 | 225 |
2021-01-01 | $271,150 (23.0%) | $333,358 (21.0%) | 0.00 | 197 |
2021-02-01 | $271,425 (20.7%) | $338,952 (18.5%) | 0.00 | 159 |
2021-03-01 | $277,400 (22.0%) | $342,735 (16.3%) | 0.00 | 142 |
2021-04-01 | $277,446 (20.7%) | $348,413 (18.2%) | 0.00 | 130 |
2021-05-01 | $284,900 (18.2%) | $369,998 (19.6%) | 0.00 | 123 |
2021-06-01 | $285,000 (12.9%) | $343,983 (7.3%) | 0.00 | 131 |
2021-07-01 | $256,900 (-3.2%) | $336,637 (2.8%) | 0.00 | 140 |
2021-08-01 | $271,675 (0.1%) | $329,165 (-4.0%) | 0.00 | 168 |
2021-09-01 | $269,750 (-1.8%) | $338,106 (-3.7%) | 0.00 | 176 |
2021-10-01 | $279,700 (5.3%) | $347,726 (2.8%) | 0.00 | 188 |
2021-11-01 | $284,575 (5.8%) | $345,054 (3.6%) | 0.00 | 186 |
2021-12-01 | $278,125 (6.5%) | $337,505 (2.1%) | 0.00 | 167 |
2022-01-01 | $269,900 (-0.5%) | $334,819 (0.4%) | 0.00 | 160 |
2022-02-01 | $284,500 (4.8%) | $354,022 (4.5%) | 0.00 | 156 |
2022-03-01 | $302,400 (9.0%) | $360,711 (5.3%) | 0.00 | 151 |
2022-04-01 | $299,900 (8.1%) | $370,652 (6.4%) | 0.00 | 130 |
2022-05-01 | $294,900 (3.5%) | $393,407 (6.3%) | 0.00 | 141 |
2022-06-01 | $299,600 (5.1%) | $380,006 (10.5%) | 0.00 | 149 |
2022-07-01 | $294,750 (14.7%) | $376,197 (11.8%) | 0.00 | 184 |
2022-08-01 | $286,125 (5.3%) | $371,350 (12.8%) | 0.00 | 202 |
2022-09-01 | $276,125 (2.4%) | $367,038 (8.6%) | 0.00 | 211 |
2022-10-01 | $250,000 (-10.6%) | $358,241 (3.0%) | 0.00 | 212 |
2022-11-01 | $249,675 (-12.3%) | $345,156 (0.0%) | 0.00 | 210 |
2022-12-01 | $262,200 (-5.7%) | $346,900 (2.8%) | 0.00 | 219 |
2023-01-01 | $265,225 (-1.7%) | $342,640 (2.3%) | 0.00 | 215 |
2023-02-01 | $278,425 (-2.1%) | $348,206 (-1.6%) | 0.00 | 203 |
2023-03-01 | $284,975 (-5.8%) | $359,103 (-0.5%) | 0.00 | 191 |
2023-04-01 | $329,900 (10.0%) | $369,815 (-0.2%) | 0.00 | 165 |
2023-05-01 | $328,650 (11.4%) | $384,785 (-2.2%) | 0.00 | 184 |
2023-06-01 | $328,325 (9.6%) | $379,315 (-0.2%) | 0.00 | 186 |
2023-07-01 | $319,950 (8.6%) | $368,757 (-2.0%) | 0.00 | 199 |
2023-08-01 | $300,000 (4.9%) | $359,807 (-3.1%) | 0.00 | 225 |
2023-09-01 | $288,900 (4.6%) | $348,096 (-5.2%) | 0.00 | 246 |
2023-10-01 | $276,475 (10.6%) | $344,608 (-3.8%) | 0.00 | 271 |
2023-11-01 | $286,675 (14.8%) | $348,855 (1.1%) | 0.00 | 285 |
2023-12-01 | $275,000 (4.9%) | $344,429 (-0.7%) | 0.00 | 265 |
2024-01-01 | $269,925 (1.8%) | $339,197 (-1.0%) | 0.00 | 257 |
2024-02-01 | $274,949 (-1.3%) | $343,894 (-1.2%) | 0.00 | 259 |
2024-03-01 | $279,400 (-2.0%) | $348,518 (-3.0%) | 0.00 | 253 |
2024-04-01 | $299,000 (-9.4%) | $354,666 (-4.1%) | 0.00 | 260 |
2024-05-01 | $304,950 (-7.2%) | $365,113 (-5.1%) | 0.00 | 239 |
2024-06-01 | $299,785 (-8.7%) | $349,739 (-7.8%) | 0.00 | 252 |
2024-07-01 | $286,225 (-10.5%) | $349,141 (-5.3%) | 0.00 | 264 |
2024-08-01 | $295,000 (-1.7%) | $347,149 (-3.5%) | 0.00 | 255 |
2024-09-01 | $292,400 (1.2%) | $347,736 (-0.1%) | 0.00 | 255 |
Victoria's median listing price comes in at 0% of the national average.
Victoria's average listing price for 2024-09-01 was $347,736, a difference of $-360 (-0.1%) versus the prior year and $587 versus the prior month.
For the 2024-09-01 period, Victoria had 255 MLS listings, a difference of 0 listings (0%) versus the prior month and 9 listings (4%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Victoria (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 2,085 sqft |
2018-02-01 | 0 days | 2,031 sqft |
2018-03-01 | 0 days | 2,069 sqft |
2018-04-01 | 0 days | 2,087 sqft |
2018-05-01 | 0 days | 2,025 sqft |
2018-06-01 | 0 days | 2,037 sqft |
2018-07-01 | 0 days | 2,043 sqft |
2018-08-01 | 0 days | 2,030 sqft |
2018-09-01 | 0 days | 2,011 sqft |
2018-10-01 | 0 days | 2,044 sqft |
2018-11-01 | 0 days | 2,034 sqft |
2018-12-01 | 0 days | 2,049 sqft |
2019-01-01 | 0 days | 2,014 sqft |
2019-02-01 | 0 days | 2,020 sqft |
2019-03-01 | 0 days | 2,055 sqft |
2019-04-01 | 0 days | 2,066 sqft |
2019-05-01 | 0 days | 2,093 sqft |
2019-06-01 | 0 days | 2,088 sqft |
2019-07-01 | 0 days | 2,076 sqft |
2019-08-01 | 0 days | 2,037 sqft |
2019-09-01 | 0 days | 1,981 sqft |
2019-10-01 | 0 days | 1,944 sqft |
2019-11-01 | 0 days | 1,946 sqft |
2019-12-01 | 0 days | 1,931 sqft |
2020-01-01 | 0 days | 1,903 sqft |
2020-02-01 | 0 days | 1,906 sqft |
2020-03-01 | 0 days | 1,868 sqft |
2020-04-01 | 0 days | 1,900 sqft |
2020-05-01 | 0 days | 2,007 sqft |
2020-06-01 | 0 days | 2,023 sqft |
2020-07-01 | 0 days | 2,067 sqft |
2020-08-01 | 0 days | 2,102 sqft |
2020-09-01 | 0 days | 2,137 sqft |
2020-10-01 | 0 days | 2,131 sqft |
2020-11-01 | 0 days | 2,057 sqft |
2020-12-01 | 0 days | 2,036 sqft |
2021-01-01 | 0 days | 2,042 sqft |
2021-02-01 | 0 days | 2,031 sqft |
2021-03-01 | 0 days | 2,041 sqft |
2021-04-01 | 0 days | 2,021 sqft |
2021-05-01 | 0 days | 2,020 sqft |
2021-06-01 | 0 days | 2,004 sqft |
2021-07-01 | 0 days | 1,916 sqft |
2021-08-01 | 0 days | 1,924 sqft |
2021-09-01 | 0 days | 1,881 sqft |
2021-10-01 | 0 days | 1,882 sqft |
2021-11-01 | 0 days | 1,871 sqft |
2021-12-01 | 0 days | 1,842 sqft |
2022-01-01 | 0 days | 1,874 sqft |
2022-02-01 | 0 days | 1,899 sqft |
2022-03-01 | 0 days | 1,894 sqft |
2022-04-01 | 0 days | 1,972 sqft |
2022-05-01 | 0 days | 1,960 sqft |
2022-06-01 | 0 days | 1,911 sqft |
2022-07-01 | 0 days | 1,894 sqft |
2022-08-01 | 0 days | 1,871 sqft |
2022-09-01 | 0 days | 1,818 sqft |
2022-10-01 | 0 days | 1,814 sqft |
2022-11-01 | 0 days | 1,792 sqft |
2022-12-01 | 0 days | 1,808 sqft |
2023-01-01 | 0 days | 1,807 sqft |
2023-02-01 | 0 days | 1,816 sqft |
2023-03-01 | 0 days | 1,899 sqft |
2023-04-01 | 0 days | 1,938 sqft |
2023-05-01 | 0 days | 1,997 sqft |
2023-06-01 | 0 days | 1,943 sqft |
2023-07-01 | 0 days | 1,910 sqft |
2023-08-01 | 0 days | 1,915 sqft |
2023-09-01 | 0 days | 1,865 sqft |
2023-10-01 | 0 days | 1,820 sqft |
2023-11-01 | 0 days | 1,884 sqft |
2023-12-01 | 0 days | 1,888 sqft |
2024-01-01 | 0 days | 1,889 sqft |
2024-02-01 | 0 days | 1,899 sqft |
2024-03-01 | 0 days | 1,921 sqft |
2024-04-01 | 0 days | 1,930 sqft |
2024-05-01 | 0 days | 1,938 sqft |
2024-06-01 | 0 days | 1,960 sqft |
2024-07-01 | 0 days | 1,921 sqft |
2024-08-01 | 0 days | 1,893 sqft |
2024-09-01 | 0 days | 1,879 sqft |
Victoria's median square footage for active listings during the 2024-09-01 period was 1,879 sqft. One year prior, the average listing was 1,865 sqft.