Williston VA Loan Rates, Closing Costs & Stats
Williston, ND
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.
Williston's 16 lenders originated 34 VA loans during 2023. The total origination value was $11,490,000, with an average VA loan value of $337,941.
Williston VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Williston
averaged
6.68%
for the week of 2024-04-12, compared to the national average (all VA variants) of
6.574% for the same period.
Williston's average VA mortgage closing costs are $6,332.
The average rate for the prior week (2024-04-05) was
6.53% and
one month ago for the week of 2024-03-08, the
average rate was 6.76%.
The average rate one year ago was 6.15%.
For refis of the same type during the week of 2024-04-12, the average rate
was 6.67%.
Williston 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 Williston level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| Mortgage Research Center, LLC | 12 | 7.01% | $6,257 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 5 | 7.03% | $12,772 |
| QUICKEN LOANS, LLC | 3 | 6.20% | $14,984 |
| Gate City Bank | 1 | 6.00% | $12,349 |
| GUARANTEED RATE, INC. | 1 | 5.88% | $16,020 |
| LOANDEPOT.COM, LLC | 1 | 6.25% | $3,803 |
| PENNYMAC LOAN SERVICES, LLC | 1 | 6.50% | $12,195 |
| Unify Home Lending Inc. | 1 | 5.60% | $5,895 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.62% | $18,830 |
| USAA Federal Savings Bank | 1 | 5.50% | $14,871 |
| U.S. Bank | 1 | 5.10% | $12,003 |
| Wells Fargo Bank | 1 | 6.13% | $15,649 |
| AMCAP MORTGAGE, LTD. | 1 | 7.00% | $10,355 |
| WESTERN COOPERATIVE CREDIT UNION | 1 | 6.00% | $14,707 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 6.75% | $910 |
| Barrington Bank & Trust Company, N.A. | 1 | 7.75% | $6,624 |
The top Williston VA lender as defined by loan originations is Mortgage Research Center, LLC, with
12 VA loans originated. Their average total fees are
$6,257, which is $6,515
lower than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee Williston VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC ($6,257), .
The lowest rate Williston VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC (7.01%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Williston (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 | $234,500 (-3.1%) | $261,852 (-1.9%) | 0.00 | 171 |
| 2018-02-01 | $229,675 (-4.3%) | $258,040 (-0.4%) | 0.00 | 178 |
| 2018-03-01 | $229,900 (-6.8%) | $259,740 (-1.6%) | 0.00 | 185 |
| 2018-04-01 | $239,225 (-7.6%) | $268,355 (-2.4%) | 0.00 | 191 |
| 2018-05-01 | $250,000 (0.0%) | $291,585 (9.6%) | 0.00 | 201 |
| 2018-06-01 | $259,000 (6.2%) | $296,289 (12.8%) | 0.00 | 187 |
| 2018-07-01 | $257,225 (5.4%) | $287,015 (-0.7%) | 0.00 | 188 |
| 2018-08-01 | $260,000 (4.0%) | $298,693 (1.4%) | 0.00 | 195 |
| 2018-09-01 | $260,000 (4.0%) | $294,428 (3.1%) | 0.00 | 204 |
| 2018-10-01 | $247,450 (7.1%) | $293,917 (8.3%) | 0.00 | 192 |
| 2018-11-01 | $249,925 (9.5%) | $300,911 (12.7%) | 0.00 | 178 |
| 2018-12-01 | $239,900 (6.6%) | $302,358 (11.3%) | 0.00 | 158 |
| 2019-01-01 | $242,475 (3.4%) | $323,069 (23.4%) | 0.00 | 133 |
| 2019-02-01 | $239,900 (4.5%) | $307,926 (19.3%) | 0.00 | 119 |
| 2019-03-01 | $254,814 (10.8%) | $319,863 (23.2%) | 0.00 | 119 |
| 2019-04-01 | $266,089 (11.2%) | $311,748 (16.2%) | 0.00 | 124 |
| 2019-05-01 | $279,450 (11.8%) | $300,216 (3.0%) | 0.00 | 130 |
| 2019-06-01 | $299,950 (15.8%) | $330,491 (11.5%) | 0.00 | 161 |
| 2019-07-01 | $298,475 (16.0%) | $333,532 (16.2%) | 0.00 | 153 |
| 2019-08-01 | $300,418 (15.6%) | $334,028 (11.8%) | 0.00 | 155 |
| 2019-09-01 | $304,120 (17.0%) | $331,227 (12.5%) | 0.00 | 157 |
| 2019-10-01 | $302,589 (22.3%) | $325,982 (10.9%) | 0.00 | 162 |
| 2019-11-01 | $292,500 (17.0%) | $322,336 (7.1%) | 0.00 | 172 |
| 2019-12-01 | $300,000 (25.1%) | $325,555 (7.7%) | 0.00 | 165 |
| 2020-01-01 | $297,425 (22.7%) | $320,172 (-0.9%) | 0.00 | 135 |
| 2020-02-01 | $292,450 (21.9%) | $325,187 (5.6%) | 0.00 | 126 |
| 2020-03-01 | $304,825 (19.6%) | $336,370 (5.2%) | 0.00 | 133 |
| 2020-04-01 | $298,950 (12.4%) | $330,959 (6.2%) | 0.00 | 142 |
| 2020-05-01 | $292,900 (4.8%) | $327,323 (9.0%) | 0.00 | 155 |
| 2020-06-01 | $275,000 (-8.3%) | $302,517 (-8.5%) | 0.00 | 143 |
| 2020-07-01 | $275,000 (-7.9%) | $303,277 (-9.1%) | 0.00 | 146 |
| 2020-08-01 | $274,950 (-8.5%) | $300,373 (-10.1%) | 0.00 | 171 |
| 2020-09-01 | $289,500 (-4.8%) | $297,724 (-10.1%) | 0.00 | 182 |
| 2020-10-01 | $292,900 (-3.2%) | $298,502 (-8.4%) | 0.00 | 200 |
| 2020-11-01 | $279,975 (-4.3%) | $305,533 (-5.2%) | 0.00 | 212 |
| 2020-12-01 | $281,225 (-6.3%) | $312,534 (-4.0%) | 0.00 | 211 |
| 2021-01-01 | $289,000 (-2.8%) | $318,611 (-0.5%) | 0.00 | 202 |
| 2021-02-01 | $296,975 (1.6%) | $326,215 (0.3%) | 0.00 | 181 |
| 2021-03-01 | $299,000 (-1.9%) | $327,156 (-2.7%) | 0.00 | 176 |
| 2021-04-01 | $299,450 (0.2%) | $330,487 (-0.1%) | 0.00 | 177 |
| 2021-05-01 | $307,450 (5.0%) | $331,269 (1.2%) | 0.00 | 170 |
| 2021-06-01 | $321,500 (16.9%) | $336,589 (11.3%) | 0.00 | 167 |
| 2021-07-01 | $322,450 (17.3%) | $335,036 (10.5%) | 0.00 | 187 |
| 2021-08-01 | $294,450 (7.1%) | $320,147 (6.6%) | 0.00 | 201 |
| 2021-09-01 | $283,650 (-2.0%) | $319,806 (7.4%) | 0.00 | 190 |
| 2021-10-01 | $289,900 (-1.0%) | $322,625 (8.1%) | 0.00 | 185 |
| 2021-11-01 | $287,450 (2.7%) | $323,426 (5.9%) | 0.00 | 176 |
| 2021-12-01 | $271,250 (-3.6%) | $318,384 (1.9%) | 0.00 | 162 |
| 2022-01-01 | $297,500 (2.9%) | $320,967 (0.7%) | 0.00 | 130 |
| 2022-02-01 | $280,000 (-5.7%) | $317,622 (-2.6%) | 0.00 | 121 |
| 2022-03-01 | $354,975 (18.7%) | $339,402 (3.7%) | 0.00 | 93 |
| 2022-04-01 | $379,900 (26.9%) | $354,371 (7.2%) | 0.00 | 100 |
| 2022-05-01 | $377,450 (22.8%) | $366,338 (10.6%) | 0.00 | 99 |
| 2022-06-01 | $359,375 (11.8%) | $364,040 (8.2%) | 0.00 | 105 |
| 2022-07-01 | $375,000 (16.3%) | $361,876 (8.0%) | 0.00 | 128 |
| 2022-08-01 | $347,850 (18.1%) | $349,436 (9.2%) | 0.00 | 118 |
| 2022-09-01 | $357,450 (26.0%) | $372,981 (16.6%) | 0.00 | 119 |
| 2022-10-01 | $330,000 (13.8%) | $383,425 (18.9%) | 0.00 | 131 |
| 2022-11-01 | $359,900 (25.2%) | $401,121 (24.0%) | 0.00 | 128 |
| 2022-12-01 | $354,500 (30.7%) | $405,862 (27.5%) | 0.00 | 125 |
| 2023-01-01 | $381,175 (28.1%) | $423,973 (32.1%) | 0.00 | 123 |
| 2023-02-01 | $366,100 (30.8%) | $421,709 (32.8%) | 0.00 | 102 |
| 2023-03-01 | $379,950 (7.0%) | $434,748 (28.1%) | 0.00 | 88 |
| 2023-04-01 | $377,000 (-0.8%) | $391,776 (10.6%) | 0.00 | 70 |
| 2023-05-01 | $395,000 (4.7%) | $398,439 (8.8%) | 0.00 | 70 |
| 2023-06-01 | $437,250 (21.7%) | $439,824 (20.8%) | 0.00 | 76 |
| 2023-07-01 | $389,975 (4.0%) | $453,276 (25.3%) | 0.00 | 83 |
| 2023-08-01 | $397,500 (14.3%) | $460,929 (31.9%) | 0.00 | 85 |
| 2023-09-01 | $395,000 (10.5%) | $445,112 (19.3%) | 0.00 | 89 |
| 2023-10-01 | $359,750 (9.0%) | $449,827 (17.3%) | 0.00 | 96 |
| 2023-11-01 | $331,250 (-8.0%) | $426,938 (6.4%) | 0.00 | 92 |
| 2023-12-01 | $347,450 (-2.0%) | $440,932 (8.6%) | 0.00 | 92 |
| 2024-01-01 | $376,725 (-1.2%) | $469,477 (10.7%) | 0.00 | 83 |
| 2024-02-01 | $442,425 (20.9%) | $486,210 (15.3%) | 0.00 | 63 |
| 2024-03-01 | $510,000 (34.2%) | $531,613 (22.3%) | 0.00 | 55 |
Williston's median listing price comes in at 0% of the national average.
Williston's average listing price for 2024-03-01 was $531,613, a difference of $96,865 (22.3%) versus the prior year and $45,403 versus the prior month.
For the 2024-03-01 period, Williston had 55 MLS listings, a difference of -8 listings (-13%) versus the prior month and -33 listings (-38%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Williston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,004 sqft |
| 2018-02-01 | 0 days | 1,886 sqft |
| 2018-03-01 | 0 days | 1,819 sqft |
| 2018-04-01 | 0 days | 1,920 sqft |
| 2018-05-01 | 0 days | 2,000 sqft |
| 2018-06-01 | 0 days | 1,984 sqft |
| 2018-07-01 | 0 days | 1,944 sqft |
| 2018-08-01 | 0 days | 1,997 sqft |
| 2018-09-01 | 0 days | 1,993 sqft |
| 2018-10-01 | 0 days | 1,895 sqft |
| 2018-11-01 | 0 days | 1,912 sqft |
| 2018-12-01 | 0 days | 1,920 sqft |
| 2019-01-01 | 0 days | 1,956 sqft |
| 2019-02-01 | 0 days | 1,952 sqft |
| 2019-03-01 | 0 days | 1,938 sqft |
| 2019-04-01 | 0 days | 1,902 sqft |
| 2019-05-01 | 0 days | 1,882 sqft |
| 2019-06-01 | 0 days | 2,038 sqft |
| 2019-07-01 | 0 days | 2,087 sqft |
| 2019-08-01 | 0 days | 2,160 sqft |
| 2019-09-01 | 0 days | 2,205 sqft |
| 2019-10-01 | 0 days | 2,188 sqft |
| 2019-11-01 | 0 days | 2,130 sqft |
| 2019-12-01 | 0 days | 2,106 sqft |
| 2020-01-01 | 0 days | 2,079 sqft |
| 2020-02-01 | 0 days | 2,013 sqft |
| 2020-03-01 | 0 days | 2,025 sqft |
| 2020-04-01 | 0 days | 2,083 sqft |
| 2020-05-01 | 0 days | 2,084 sqft |
| 2020-06-01 | 0 days | 2,056 sqft |
| 2020-07-01 | 0 days | 2,046 sqft |
| 2020-08-01 | 0 days | 2,072 sqft |
| 2020-09-01 | 0 days | 2,030 sqft |
| 2020-10-01 | 0 days | 2,150 sqft |
| 2020-11-01 | 0 days | 2,030 sqft |
| 2020-12-01 | 0 days | 2,083 sqft |
| 2021-01-01 | 0 days | 2,128 sqft |
| 2021-02-01 | 0 days | 2,202 sqft |
| 2021-03-01 | 0 days | 2,184 sqft |
| 2021-04-01 | 0 days | 2,243 sqft |
| 2021-05-01 | 0 days | 2,280 sqft |
| 2021-06-01 | 0 days | 2,272 sqft |
| 2021-07-01 | 0 days | 2,244 sqft |
| 2021-08-01 | 0 days | 2,097 sqft |
| 2021-09-01 | 0 days | 2,099 sqft |
| 2021-10-01 | 0 days | 2,156 sqft |
| 2021-11-01 | 0 days | 2,196 sqft |
| 2021-12-01 | 0 days | 2,150 sqft |
| 2022-01-01 | 0 days | 2,174 sqft |
| 2022-02-01 | 0 days | 2,189 sqft |
| 2022-03-01 | 0 days | 1,895 sqft |
| 2022-04-01 | 0 days | 1,820 sqft |
| 2022-05-01 | 0 days | 1,805 sqft |
| 2022-06-01 | 0 days | 1,897 sqft |
| 2022-07-01 | 0 days | 1,832 sqft |
| 2022-08-01 | 0 days | 1,821 sqft |
| 2022-09-01 | 0 days | 1,823 sqft |
| 2022-10-01 | 0 days | 1,890 sqft |
| 2022-11-01 | 0 days | 1,906 sqft |
| 2022-12-01 | 0 days | 1,847 sqft |
| 2023-01-01 | 0 days | 1,821 sqft |
| 2023-02-01 | 0 days | 1,741 sqft |
| 2023-03-01 | 0 days | 1,785 sqft |
| 2023-04-01 | 0 days | 1,756 sqft |
| 2023-05-01 | 0 days | 1,735 sqft |
| 2023-06-01 | 0 days | 1,850 sqft |
| 2023-07-01 | 0 days | 1,880 sqft |
| 2023-08-01 | 0 days | 1,913 sqft |
| 2023-09-01 | 0 days | 1,879 sqft |
| 2023-10-01 | 0 days | 1,921 sqft |
| 2023-11-01 | 0 days | 1,878 sqft |
| 2023-12-01 | 0 days | 1,886 sqft |
| 2024-01-01 | 0 days | 1,886 sqft |
| 2024-02-01 | 0 days | 1,897 sqft |
| 2024-03-01 | 0 days | 1,938 sqft |
Williston's median square footage for active listings during the 2024-03-01 period was 1,938 sqft. One year prior, the average listing was 1,785 sqft.