Visalia VA Loan Rates, Closing Costs & Stats

VISALIA, 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.

    Visalia's 55 lenders originated 243 VA loans during 2023. The total origination value was $90,975,000, with an average VA loan value of $374,383.

    Visalia VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Visalia averaged 6.57% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Visalia's average VA mortgage closing costs are $6,151.

    The average rate for the prior week (2025-02-07) was 6.2% and one month ago for the week of 2025-01-10, the average rate was 6.64%.

    The average rate one year ago was 6.56%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.98%.

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

    Visalia 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 Visalia level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 24 6.32% $11,923
    QUICKEN LOANS, LLC 22 6.01% $11,731
    Mortgage Research Center, LLC 22 6.85% $8,426
    DHI MORTGAGE COMPANY, LTD. 12 5.40% $9,276
    NAVY FEDERAL CREDIT UNION 11 5.74% $5,542
    ALAMEDA MORTGAGE CORPORATION 10 6.46% $14,341
    EAGLE HOME MORTGAGE, LLC 9 5.76% $4,920
    CALIBER HOME LOANS, INC. 7 5.46% $13,670
    CROSSCOUNTRY MORTGAGE, LLC 7 6.28% $10,033
    NEW DAY FINANCIAL, LLC 6 7.46% $13,598
    FBC MORTGAGE, LLC 5 6.09% $9,028
    FREEDOM MORTGAGE CORPORATION 5 6.45% $13,317
    INSPIRE HOME LOANS INC. 5 5.25% $4,348
    LOANDEPOT.COM, LLC 5 5.52% $14,221
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 5 6.47% $11,797
    CMG MORTGAGE, INC. 4 6.13% $17,995
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 6.47% $13,332
    PENNYMAC LOAN SERVICES, LLC 4 6.13% $5,675
    Commerce Home Mortgage, Inc. 4 6.88% $10,072
    Mr. Cooper ( Nationstar Mortgage ) 3 6.58% $5,782
    USAA Federal Savings Bank 3 6.13% $10,602
    SUN WEST MORTGAGE COMPANY, INC. 3 6.42% $8,616
    NEWREZ LLC 3 7.08% $17,148
    GUILD MORTGAGE COMPANY 3 6.42% $12,705
    VILLAGE CAPITAL MORTGAGE 2 5.94% $18,496
    AMERICAN FINANCIAL NETWORK, INC. 2 5.88% $9,357
    CARDINAL FINANCIAL 2 5.87% $21,797
    COASTAL FUNDING SLC, INC. 2 6.38% $6,148
    Magnolia Bank 2 6.00% $19,452
    Sierra Pacific Mortgage Company, Inc. 2 6.44% $12,316
    SUMMIT FUNDING, INC. 2 5.56% $3,835
    MLD MORTGAGE INC. 1 6.63% $4,160
    MORTGAGEONE, INC. 1 7.25% $7,056
    KD CAPITAL MORTGAGE CORPORATION 1 5.88% $0
    JPMorgan Chase Bank 1 6.75% $4,011
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.50% $19,442
    INTERNATIONAL CITY MORTGAGE, INC. 1 6.75% $6,086
    INTERCAP LENDING INC. 1 5.75% $0
    Franklin Loan Corporation 1 6.25% $3,361
    PANORAMA MORTGAGE GROUP, LLC 1 6.25% $16,048
    Equity Prime Mortgage LLC 1 8.25% $17,873
    PENTAGON FEDERAL CREDIT UNION 1 6.00% $17,898
    Platinum Home Mortgage Corporation 1 5.75% $7,575
    PLAZA HOME MORTGAGE, INC. 1 6.75% $6,460
    Century Mortgage Company DBA Century Lending Company 1 4.75% $14,308
    Barrington Bank & Trust Company, N.A. 1 6.25% $8,119
    S1L, Inc. 1 5.63% $20,593
    VERITAS FUNDING, LLC 1 6.63% $462
    ACADEMY MORTGAGE CORPORATION 1 6.50% $8,245
    Arvest Bank 1 6.25% $9,588
    AMERICAN FINANCING CORPORATION 1 5.25% $10,714
    ALTITUDE FINANCIAL CORPORATION 1 6.50% $5,188
    LOANPAL, LLC 1 6.75% $22,263
    VAN DYK MORTGAGE CORPORATION 1 6.75% $11,549
    MASON MCDUFFIE MORTGAGE CORPORATION 1 7.38% $6,695

    The top Visalia VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 24 VA loans originated. Their average total fees are $11,923, which is $192 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Visalia VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($5,542), Mortgage Research Center, LLC ($8,426), DHI MORTGAGE COMPANY, LTD. ($9,276), QUICKEN LOANS, LLC ($11,731) and UNITED WHOLESALE MORTGAGE, LLC ($11,923).

    The lowest rate Visalia VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.40%), NAVY FEDERAL CREDIT UNION (5.74%), QUICKEN LOANS, LLC (6.01%), UNITED WHOLESALE MORTGAGE, LLC (6.32%) and ALAMEDA MORTGAGE CORPORATION (6.46%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Visalia (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 $242,700 (-1.0%) $315,175 (-1.5%) 0.90 860
    2018-02-01 $249,995 (0.2%) $314,696 (-2.3%) 0.91 873
    2018-03-01 $258,250 (3.3%) $318,986 (-0.8%) 0.90 856
    2018-04-01 $267,450 (6.8%) $330,041 (0.7%) 0.91 839
    2018-05-01 $270,000 (4.2%) $334,737 (0.9%) 0.90 890
    2018-06-01 $269,999 (4.3%) $333,779 (2.9%) 0.90 905
    2018-07-01 $271,239 (4.7%) $332,984 (1.8%) 0.91 949
    2018-08-01 $264,900 (6.2%) $323,327 (2.2%) 0.89 997
    2018-09-01 $265,000 (8.2%) $314,644 (-0.2%) 0.89 1,035
    2018-10-01 $269,000 (8.0%) $314,920 (-0.5%) 0.91 1,062
    2018-11-01 $265,000 (7.1%) $315,013 (0.5%) 0.90 1,052
    2018-12-01 $265,000 (7.8%) $311,920 (-1.4%) 0.91 1,017
    2019-01-01 $264,900 (9.2%) $307,015 (-2.6%) 0.92 980
    2019-02-01 $269,900 (8.0%) $316,044 (0.4%) 0.91 956
    2019-03-01 $271,229 (5.0%) $325,160 (1.9%) 0.89 938
    2019-04-01 $272,336 (1.8%) $331,296 (0.4%) 0.87 928
    2019-05-01 $274,000 (1.5%) $328,506 (-1.9%) 0.86 926
    2019-06-01 $279,900 (3.7%) $344,757 (3.3%) 0.87 890
    2019-07-01 $276,975 (2.1%) $347,287 (4.3%) 0.87 912
    2019-08-01 $273,291 (3.2%) $355,417 (9.9%) 0.87 910
    2019-09-01 $270,877 (2.2%) $372,067 (18.3%) 0.87 883
    2019-10-01 $269,000 (0.0%) $362,459 (15.1%) 0.87 862
    2019-11-01 $268,720 (1.4%) $346,284 (9.9%) 0.88 850
    2019-12-01 $267,225 (0.8%) $336,752 (8.0%) 0.89 787
    2020-01-01 $269,900 (1.9%) $338,652 (10.3%) 0.90 729
    2020-02-01 $266,000 (-1.4%) $333,079 (5.4%) 0.87 684
    2020-03-01 $269,900 (-0.5%) $344,811 (6.0%) 0.85 676
    2020-04-01 $272,437 (0.0%) $339,845 (2.6%) 0.85 697
    2020-05-01 $274,000 (0.0%) $345,225 (5.1%) 0.83 623
    2020-06-01 $277,950 (-0.7%) $444,312 (28.9%) 0.82 514
    2020-07-01 $285,000 (2.9%) $444,607 (28.0%) 0.83 443
    2020-08-01 $309,450 (13.2%) $480,139 (35.1%) 0.89 417
    2020-09-01 $333,900 (23.3%) $456,241 (22.6%) 0.95 416
    2020-10-01 $349,000 (29.7%) $452,942 (25.0%) 1.00 415
    2020-11-01 $338,500 (26.0%) $456,461 (31.8%) 0.99 397
    2020-12-01 $322,250 (20.6%) $440,449 (30.8%) 0.95 365
    2021-01-01 $319,000 (18.2%) $451,950 (33.5%) 0.95 317
    2021-02-01 $329,000 (23.7%) $463,826 (39.3%) 0.96 282
    2021-03-01 $324,663 (20.3%) $454,861 (31.9%) 0.92 274
    2021-04-01 $330,000 (21.1%) $473,927 (39.5%) 0.89 271
    2021-05-01 $359,000 (31.0%) $507,931 (47.1%) 0.95 263
    2021-06-01 $343,950 (23.8%) $510,077 (14.8%) 0.91 298
    2021-07-01 $330,000 (15.8%) $491,610 (10.6%) 0.87 330
    2021-08-01 $335,000 (8.3%) $486,655 (1.4%) 0.89 374
    2021-09-01 $341,619 (2.3%) $484,483 (6.2%) 0.91 384
    2021-10-01 $364,783 (4.5%) $513,888 (13.5%) 0.97 389
    2021-11-01 $384,950 (13.7%) $569,679 (24.8%) 1.03 377
    2021-12-01 $378,873 (17.6%) $594,009 (34.9%) 1.03 328
    2022-01-01 $385,000 (20.7%) $597,943 (32.3%) 1.04 304
    2022-02-01 $417,500 (26.9%) $638,929 (37.8%) 1.09 273
    2022-03-01 $426,225 (31.3%) $647,020 (42.3%) 1.07 291
    2022-04-01 $419,900 (27.2%) $616,341 (30.1%) 1.00 327
    2022-05-01 $415,000 (15.6%) $549,202 (8.1%) 0.95 405
    2022-06-01 $407,500 (18.5%) $529,385 (3.8%) 0.91 495
    2022-07-01 $399,995 (21.2%) $527,849 (7.4%) 0.90 606
    2022-08-01 $401,867 (20.0%) $525,670 (8.0%) 0.93 619
    2022-09-01 $399,995 (17.1%) $525,273 (8.4%) 0.94 597
    2022-10-01 $399,900 (9.6%) $512,212 (-0.3%) 0.94 635
    2022-11-01 $399,675 (3.8%) $501,696 (-11.9%) 0.96 647
    2022-12-01 $399,900 (5.6%) $503,160 (-15.3%) 0.99 595
    2023-01-01 $403,750 (4.9%) $499,771 (-16.4%) 1.00 527
    2023-02-01 $407,498 (-2.4%) $510,371 (-20.1%) 0.98 483
    2023-03-01 $417,450 (-2.1%) $530,739 (-18.0%) 0.98 456
    2023-04-01 $435,000 (3.6%) $550,611 (-10.7%) 1.01 407
    2023-05-01 $439,450 (5.9%) $568,670 (3.5%) 1.00 407
    2023-06-01 $433,500 (6.4%) $549,055 (3.7%) 0.97 433
    2023-07-01 $430,000 (7.5%) $566,612 (7.3%) 0.98 440
    2023-08-01 $404,900 (0.8%) $552,152 (5.0%) 0.93 456
    2023-09-01 $396,000 (-1.0%) $523,749 (-0.3%) 0.92 481
    2023-10-01 $394,975 (-1.2%) $513,223 (0.2%) 0.93 524
    2023-11-01 $386,950 (-3.2%) $499,885 (-0.4%) 0.92 548
    2023-12-01 $380,000 (-5.0%) $487,262 (-3.2%) 0.93 568
    2024-01-01 $380,713 (-5.7%) $493,432 (-1.3%) 0.93 478
    2024-02-01 $390,225 (-4.2%) $499,647 (-2.1%) 0.94 460
    2024-03-01 $399,900 (-4.2%) $540,857 (1.9%) 0.94 447
    2024-04-01 $404,743 (-7.0%) $550,355 (-0.1%) 0.94 478
    2024-05-01 $422,669 (-3.8%) $578,425 (1.7%) 0.96 505
    2024-06-01 $419,000 (-3.3%) $557,581 (1.6%) 0.94 532
    2024-07-01 $417,475 (-2.9%) $545,949 (-3.7%) 0.95 548
    2024-08-01 $419,900 (3.7%) $539,475 (-2.3%) 0.98 552
    2024-09-01 $417,445 (5.4%) $538,434 (2.8%) 0.98 580
    2024-10-01 $419,900 (6.3%) $541,371 (5.5%) 0.99 578
    2024-11-01 $410,000 (6.0%) $523,706 (4.8%) 0.98 584
    2024-12-01 $414,998 (9.2%) $523,247 (7.4%) 1.03 554
    2025-01-01 $414,950 (9.0%) $506,124 (2.6%) 0.00 563
    Visalia's median listing price for 2025-01-01 was $414,950, a difference of $34,237 (9.0%) versus the prior year and $-48 versus the prior month.

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

    Visalia's average listing price for 2025-01-01 was $506,124, a difference of $12,692 (2.6%) versus the prior year and $-17,123 versus the prior month.

    For the 2025-01-01 period, Visalia had 563 MLS listings, a difference of 9 listings (2%) versus the prior month and 85 listings (18%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Visalia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 68 days 1,700 sqft
    2018-02-01 62 days 1,764 sqft
    2018-03-01 53 days 1,801 sqft
    2018-04-01 52 days 1,829 sqft
    2018-05-01 44 days 1,849 sqft
    2018-06-01 51 days 1,840 sqft
    2018-07-01 53 days 1,822 sqft
    2018-08-01 51 days 1,800 sqft
    2018-09-01 51 days 1,796 sqft
    2018-10-01 53 days 1,798 sqft
    2018-11-01 56 days 1,779 sqft
    2018-12-01 68 days 1,798 sqft
    2019-01-01 71 days 1,775 sqft
    2019-02-01 65 days 1,797 sqft
    2019-03-01 56 days 1,845 sqft
    2019-04-01 53 days 1,852 sqft
    2019-05-01 51 days 1,838 sqft
    2019-06-01 54 days 1,876 sqft
    2019-07-01 54 days 1,842 sqft
    2019-08-01 52 days 1,818 sqft
    2019-09-01 52 days 1,799 sqft
    2019-10-01 52 days 1,776 sqft
    2019-11-01 53 days 1,768 sqft
    2019-12-01 61 days 1,776 sqft
    2020-01-01 66 days 1,787 sqft
    2020-02-01 52 days 1,715 sqft
    2020-03-01 48 days 1,769 sqft
    2020-04-01 52 days 1,769 sqft
    2020-05-01 64 days 1,793 sqft
    2020-06-01 69 days 1,841 sqft
    2020-07-01 52 days 1,858 sqft
    2020-08-01 47 days 1,920 sqft
    2020-09-01 36 days 2,004 sqft
    2020-10-01 37 days 1,992 sqft
    2020-11-01 40 days 1,957 sqft
    2020-12-01 44 days 1,876 sqft
    2021-01-01 49 days 1,823 sqft
    2021-02-01 39 days 1,822 sqft
    2021-03-01 25 days 1,811 sqft
    2021-04-01 27 days 1,802 sqft
    2021-05-01 23 days 1,822 sqft
    2021-06-01 22 days 1,787 sqft
    2021-07-01 26 days 1,760 sqft
    2021-08-01 26 days 1,685 sqft
    2021-09-01 30 days 1,707 sqft
    2021-10-01 37 days 1,782 sqft
    2021-11-01 36 days 1,833 sqft
    2021-12-01 42 days 1,791 sqft
    2022-01-01 39 days 1,800 sqft
    2022-02-01 31 days 1,896 sqft
    2022-03-01 23 days 1,898 sqft
    2022-04-01 25 days 1,842 sqft
    2022-05-01 25 days 1,833 sqft
    2022-06-01 29 days 1,800 sqft
    2022-07-01 31 days 1,791 sqft
    2022-08-01 45 days 1,795 sqft
    2022-09-01 53 days 1,799 sqft
    2022-10-01 54 days 1,790 sqft
    2022-11-01 54 days 1,838 sqft
    2022-12-01 61 days 1,788 sqft
    2023-01-01 69 days 1,829 sqft
    2023-02-01 63 days 1,844 sqft
    2023-03-01 50 days 1,847 sqft
    2023-04-01 51 days 1,911 sqft
    2023-05-01 45 days 1,886 sqft
    2023-06-01 36 days 1,853 sqft
    2023-07-01 38 days 1,854 sqft
    2023-08-01 46 days 1,800 sqft
    2023-09-01 44 days 1,735 sqft
    2023-10-01 51 days 1,717 sqft
    2023-11-01 56 days 1,700 sqft
    2023-12-01 60 days 1,695 sqft
    2024-01-01 62 days 1,713 sqft
    2024-02-01 48 days 1,741 sqft
    2024-03-01 42 days 1,739 sqft
    2024-04-01 39 days 1,772 sqft
    2024-05-01 41 days 1,810 sqft
    2024-06-01 41 days 1,811 sqft
    2024-07-01 48 days 1,799 sqft
    2024-08-01 53 days 1,785 sqft
    2024-09-01 51 days 1,792 sqft
    2024-10-01 52 days 1,815 sqft
    2024-11-01 53 days 1,767 sqft
    2024-12-01 60 days 1,798 sqft
    2025-01-01 0 days 1,798 sqft
    Visalia's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Visalia's median square footage for active listings during the 2025-01-01 period was 1,798 sqft. One year prior, the average listing was 1,713 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.