Winnemucca VA Loan Rates, Closing Costs & Stats
Winnemucca, NV
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.
Winnemucca's 12 lenders originated 22 VA loans during 2023. The total origination value was $6,340,000, with an average VA loan value of $288,182.
Winnemucca VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Winnemucca
averaged
7.03%
for the week of 2024-04-19, compared to the national average (all VA variants) of
6.758% for the same period.
Winnemucca's average VA mortgage closing costs are $6,594.
The average rate for the prior week (2024-04-12) was
6.86% and
one month ago for the week of 2024-03-15, the
average rate was 6.73%.
The average rate one year ago was 6.22%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.66%.
Winnemucca 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 Winnemucca level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | 6.69% | $7,131 |
| UNITED WHOLESALE MORTGAGE, LLC | 3 | 6.71% | $7,637 |
| NAVY FEDERAL CREDIT UNION | 2 | 6.44% | $3,999 |
| Mortgage Research Center, LLC | 2 | 6.63% | $2,214 |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | 2 | 6.13% | $20,167 |
| The Federal Savings Bank | 1 | 5.25% | $17,693 |
| ACADEMY MORTGAGE CORPORATION | 1 | 7.25% | $2,468 |
| Century Mortgage Company DBA Century Lending Company | 1 | 5.99% | $26,213 |
| Paramount Residential Mortgage Group, Inc. | 1 | 7.25% | $9,575 |
| PLANET HOME LENDING, LLC | 1 | 5.75% | $6,713 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 8.13% | $2,591 |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | 7.75% | $14,613 |
The top Winnemucca VA lender as defined by loan originations is AMERICAN PACIFIC MORTGAGE CORPORATION, with
4 VA loans originated. Their average total fees are
$7,131, which is $506
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Winnemucca VA lenders (with over 10 loans originated) are
.
The lowest rate Winnemucca VA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Winnemucca (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 | $229,450 (27.5%) | $217,623 (13.1%) | 0.00 | 18 |
| 2018-02-01 | $247,225 (38.5%) | $221,520 (12.0%) | 0.00 | 19 |
| 2018-03-01 | $268,000 (42.6%) | $235,400 (12.5%) | 0.00 | 19 |
| 2018-04-01 | $262,450 (31.3%) | $243,112 (10.0%) | 0.00 | 17 |
| 2018-05-01 | $254,500 (25.7%) | $247,586 (10.7%) | 0.00 | 21 |
| 2018-06-01 | $245,000 (16.3%) | $241,900 (8.1%) | 0.00 | 21 |
| 2018-07-01 | $227,975 (6.6%) | $224,401 (2.6%) | 0.00 | 18 |
| 2018-08-01 | $229,900 (26.9%) | $250,008 (22.1%) | 0.00 | 18 |
| 2018-09-01 | $239,000 (29.2%) | $262,345 (25.6%) | 0.00 | 30 |
| 2018-10-01 | $221,175 (12.7%) | $242,409 (17.0%) | 0.00 | 33 |
| 2018-11-01 | $218,000 (-0.9%) | $240,301 (13.0%) | 0.00 | 41 |
| 2018-12-01 | $214,500 (-10.6%) | $234,933 (5.1%) | 0.00 | 42 |
| 2019-01-01 | $214,500 (-6.5%) | $230,177 (5.8%) | 0.00 | 42 |
| 2019-02-01 | $215,250 (-12.9%) | $243,874 (10.1%) | 0.00 | 40 |
| 2019-03-01 | $227,643 (-15.1%) | $325,802 (38.4%) | 0.00 | 33 |
| 2019-04-01 | $244,250 (-6.9%) | $437,834 (80.1%) | 0.00 | 33 |
| 2019-05-01 | $245,500 (-3.5%) | $337,424 (36.3%) | 0.00 | 35 |
| 2019-06-01 | $252,450 (3.0%) | $266,363 (10.1%) | 0.00 | 42 |
| 2019-07-01 | $272,000 (19.3%) | $282,195 (25.8%) | 0.00 | 55 |
| 2019-08-01 | $284,372 (23.7%) | $286,692 (14.7%) | 0.00 | 56 |
| 2019-09-01 | $264,757 (10.8%) | $276,076 (5.2%) | 0.00 | 57 |
| 2019-10-01 | $244,700 (10.6%) | $265,542 (9.5%) | 0.00 | 57 |
| 2019-11-01 | $249,750 (14.6%) | $274,333 (14.2%) | 0.00 | 42 |
| 2019-12-01 | $263,725 (23.0%) | $286,054 (21.8%) | 0.00 | 31 |
| 2020-01-01 | $277,000 (29.1%) | $287,113 (24.7%) | 0.00 | 30 |
| 2020-02-01 | $287,450 (33.5%) | $283,782 (16.4%) | 0.00 | 28 |
| 2020-03-01 | $276,500 (21.5%) | $275,273 (-15.5%) | 0.00 | 25 |
| 2020-04-01 | $274,000 (12.2%) | $271,739 (-37.9%) | 0.00 | 28 |
| 2020-05-01 | $274,450 (11.8%) | $280,205 (-17.0%) | 0.00 | 23 |
| 2020-06-01 | $279,900 (10.9%) | $309,158 (16.1%) | 0.00 | 21 |
| 2020-07-01 | $274,900 (1.1%) | $311,661 (10.4%) | 0.00 | 17 |
| 2020-08-01 | $272,400 (-4.2%) | $302,977 (5.7%) | 0.00 | 21 |
| 2020-09-01 | $311,225 (17.6%) | $806,427 (192.1%) | 0.00 | 25 |
| 2020-10-01 | $275,000 (12.4%) | $870,235 (227.7%) | 0.00 | 20 |
| 2020-11-01 | $380,500 (52.4%) | $981,789 (257.9%) | 0.00 | 17 |
| 2020-12-01 | $382,500 (45.0%) | $1,249,079 (336.7%) | 0.00 | 9 |
| 2021-01-01 | $379,000 (36.8%) | $356,488 (24.2%) | 0.00 | 6 |
| 2021-02-01 | $365,000 (27.0%) | $344,607 (21.4%) | 0.00 | 5 |
| 2021-03-01 | $349,000 (26.2%) | $326,731 (18.7%) | 0.00 | 8 |
| 2021-04-01 | $259,900 (-5.2%) | $296,535 (9.1%) | 0.00 | 9 |
| 2021-05-01 | $312,000 (13.7%) | $339,979 (21.3%) | 0.00 | 13 |
| 2021-06-01 | $317,225 (13.3%) | $345,563 (11.8%) | 0.00 | 13 |
| 2021-07-01 | $299,000 (8.8%) | $326,160 (4.7%) | 0.00 | 11 |
| 2021-08-01 | $377,000 (38.4%) | $505,624 (66.9%) | 0.00 | 20 |
| 2021-09-01 | $388,125 (24.7%) | $527,051 (-34.6%) | 0.00 | 22 |
| 2021-10-01 | $297,450 (8.2%) | $469,677 (-46.0%) | 0.00 | 22 |
| 2021-11-01 | $359,675 (-5.5%) | $560,442 (-42.9%) | 0.00 | 16 |
| 2021-12-01 | $374,450 (-2.1%) | $555,862 (-55.5%) | 0.00 | 17 |
| 2022-01-01 | $341,000 (-10.0%) | $566,139 (58.8%) | 0.00 | 17 |
| 2022-02-01 | $414,550 (13.6%) | $540,661 (56.9%) | 0.00 | 31 |
| 2022-03-01 | $421,875 (20.9%) | $545,604 (67.0%) | 0.00 | 31 |
| 2022-04-01 | $409,000 (57.4%) | $512,197 (72.7%) | 0.00 | 35 |
| 2022-05-01 | $427,375 (37.0%) | $512,364 (50.7%) | 0.00 | 42 |
| 2022-06-01 | $409,500 (29.1%) | $510,381 (47.7%) | 0.00 | 43 |
| 2022-07-01 | $442,500 (48.0%) | $522,140 (60.1%) | 0.00 | 47 |
| 2022-08-01 | $418,500 (11.0%) | $475,179 (-6.0%) | 0.00 | 56 |
| 2022-09-01 | $419,225 (8.0%) | $475,631 (-9.8%) | 0.00 | 49 |
| 2022-10-01 | $427,450 (43.7%) | $437,868 (-6.8%) | 0.00 | 49 |
| 2022-11-01 | $428,750 (19.2%) | $440,970 (-21.3%) | 0.00 | 49 |
| 2022-12-01 | $432,500 (15.5%) | $437,020 (-21.4%) | 0.00 | 45 |
| 2023-01-01 | $450,000 (32.0%) | $441,671 (-22.0%) | 0.00 | 41 |
| 2023-02-01 | $429,900 (3.7%) | $431,477 (-20.2%) | 0.00 | 43 |
| 2023-03-01 | $442,050 (4.8%) | $436,647 (-20.0%) | 0.00 | 43 |
| 2023-04-01 | $453,900 (11.0%) | $428,287 (-16.4%) | 0.00 | 42 |
| 2023-05-01 | $411,425 (-3.7%) | $411,703 (-19.7%) | 0.00 | 48 |
| 2023-06-01 | $416,650 (1.8%) | $420,276 (-17.7%) | 0.00 | 45 |
| 2023-07-01 | $372,450 (-15.8%) | $415,339 (-20.5%) | 0.00 | 47 |
| 2023-08-01 | $368,675 (-11.9%) | $420,681 (-11.5%) | 0.00 | 46 |
| 2023-09-01 | $359,900 (-14.2%) | $419,761 (-11.8%) | 0.00 | 37 |
| 2023-10-01 | $359,900 (-15.8%) | $418,528 (-4.4%) | 0.00 | 41 |
| 2023-11-01 | $383,725 (-10.5%) | $437,352 (-0.8%) | 0.00 | 39 |
| 2023-12-01 | $444,550 (2.8%) | $453,907 (3.9%) | 0.00 | 47 |
| 2024-01-01 | $467,456 (3.9%) | $471,230 (6.7%) | 0.00 | 39 |
| 2024-02-01 | $474,934 (10.5%) | $470,098 (9.0%) | 0.00 | 36 |
| 2024-03-01 | $439,100 (-0.7%) | $441,326 (1.1%) | 0.00 | 36 |
Winnemucca's median listing price comes in at 0% of the national average.
Winnemucca's average listing price for 2024-03-01 was $441,326, a difference of $4,679 (1.1%) versus the prior year and $-28,772 versus the prior month.
For the 2024-03-01 period, Winnemucca had 36 MLS listings, a difference of 0 listings (0%) versus the prior month and -7 listings (-16%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Winnemucca (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,877 sqft |
| 2018-02-01 | 0 days | 1,915 sqft |
| 2018-03-01 | 0 days | 1,900 sqft |
| 2018-04-01 | 0 days | 1,939 sqft |
| 2018-05-01 | 0 days | 1,977 sqft |
| 2018-06-01 | 0 days | 1,936 sqft |
| 2018-07-01 | 0 days | 1,878 sqft |
| 2018-08-01 | 0 days | 1,929 sqft |
| 2018-09-01 | 0 days | 2,016 sqft |
| 2018-10-01 | 0 days | 1,823 sqft |
| 2018-11-01 | 0 days | 1,860 sqft |
| 2018-12-01 | 0 days | 1,617 sqft |
| 2019-01-01 | 0 days | 1,584 sqft |
| 2019-02-01 | 0 days | 1,683 sqft |
| 2019-03-01 | 0 days | 1,727 sqft |
| 2019-04-01 | 0 days | 1,777 sqft |
| 2019-05-01 | 0 days | 1,880 sqft |
| 2019-06-01 | 0 days | 1,904 sqft |
| 2019-07-01 | 0 days | 1,984 sqft |
| 2019-08-01 | 0 days | 1,944 sqft |
| 2019-09-01 | 0 days | 1,793 sqft |
| 2019-10-01 | 0 days | 1,704 sqft |
| 2019-11-01 | 0 days | 1,902 sqft |
| 2019-12-01 | 0 days | 1,864 sqft |
| 2020-01-01 | 0 days | 1,939 sqft |
| 2020-02-01 | 0 days | 1,956 sqft |
| 2020-03-01 | 0 days | 2,026 sqft |
| 2020-04-01 | 0 days | 1,967 sqft |
| 2020-05-01 | 0 days | 1,764 sqft |
| 2020-06-01 | 0 days | 2,000 sqft |
| 2020-07-01 | 0 days | 2,080 sqft |
| 2020-08-01 | 0 days | 1,853 sqft |
| 2020-09-01 | 0 days | 2,001 sqft |
| 2020-10-01 | 0 days | 1,799 sqft |
| 2020-11-01 | 0 days | 2,088 sqft |
| 2020-12-01 | 0 days | 2,067 sqft |
| 2021-01-01 | 0 days | 2,180 sqft |
| 2021-02-01 | 0 days | 2,103 sqft |
| 2021-03-01 | 0 days | 2,141 sqft |
| 2021-04-01 | 0 days | 1,640 sqft |
| 2021-05-01 | 0 days | 1,728 sqft |
| 2021-06-01 | 0 days | 1,752 sqft |
| 2021-07-01 | 0 days | 1,596 sqft |
| 2021-08-01 | 0 days | 1,904 sqft |
| 2021-09-01 | 0 days | 2,167 sqft |
| 2021-10-01 | 0 days | 1,574 sqft |
| 2021-11-01 | 0 days | 1,801 sqft |
| 2021-12-01 | 0 days | 1,801 sqft |
| 2022-01-01 | 0 days | 1,777 sqft |
| 2022-02-01 | 0 days | 1,854 sqft |
| 2022-03-01 | 0 days | 1,875 sqft |
| 2022-04-01 | 0 days | 1,904 sqft |
| 2022-05-01 | 0 days | 1,953 sqft |
| 2022-06-01 | 0 days | 1,919 sqft |
| 2022-07-01 | 0 days | 1,956 sqft |
| 2022-08-01 | 0 days | 1,919 sqft |
| 2022-09-01 | 0 days | 1,911 sqft |
| 2022-10-01 | 0 days | 1,920 sqft |
| 2022-11-01 | 0 days | 1,933 sqft |
| 2022-12-01 | 0 days | 1,933 sqft |
| 2023-01-01 | 0 days | 1,933 sqft |
| 2023-02-01 | 0 days | 1,919 sqft |
| 2023-03-01 | 0 days | 1,912 sqft |
| 2023-04-01 | 0 days | 1,824 sqft |
| 2023-05-01 | 0 days | 1,833 sqft |
| 2023-06-01 | 0 days | 1,899 sqft |
| 2023-07-01 | 0 days | 1,798 sqft |
| 2023-08-01 | 0 days | 1,703 sqft |
| 2023-09-01 | 0 days | 1,846 sqft |
| 2023-10-01 | 0 days | 1,656 sqft |
| 2023-11-01 | 0 days | 1,742 sqft |
| 2023-12-01 | 0 days | 1,846 sqft |
| 2024-01-01 | 0 days | 1,790 sqft |
| 2024-02-01 | 0 days | 1,745 sqft |
| 2024-03-01 | 0 days | 1,733 sqft |
Winnemucca's median square footage for active listings during the 2024-03-01 period was 1,733 sqft. One year prior, the average listing was 1,912 sqft.