Yakima VA Loan Rates, Closing Costs & Stats

YAKIMA, WA

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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.

    Yakima's 55 lenders originated 240 VA loans during 2024. The total origination value was $92,030,000, with an average VA loan value of $383,458.

    Yakima VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Yakima averaged 0.36% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Yakima's average VA mortgage closing costs are $7,175.

    The average rate for the prior week (2025-06-27) was 6.59% and one month ago for the week of 2025-05-30, the average rate was 7.02%.

    The average rate one year ago was 7.03%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.01%.

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

    Yakima 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 Yakima level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 39 6.37% $6,544
    CMG MORTGAGE, INC. 29 6.19% $13,203
    UNITED WHOLESALE MORTGAGE, LLC 28 5.81% $8,001
    QUICKEN LOANS, LLC 17 5.86% $10,392
    FREEDOM MORTGAGE CORPORATION 10 6.25% $12,289
    The Federal Savings Bank 9 6.22% $21,196
    AMERICAN PACIFIC MORTGAGE CORPORATION 9 6.63% $13,611
    PENNYMAC LOAN SERVICES, LLC 8 5.67% $5,886
    CROSSCOUNTRY MORTGAGE, LLC 8 6.36% $11,390
    S1L, Inc. 4 6.13% $10,547
    USAA Federal Savings Bank 4 6.53% $7,466
    BROKER SOLUTIONS, INC. 4 6.59% $15,460
    NAVY FEDERAL CREDIT UNION 4 5.69% $7,814
    MOVEMENT MORTGAGE, LLC 3 6.58% $7,157
    NEW DAY FINANCIAL, LLC 3 6.54% $4,800
    Carrington Mortgage Services, LLC 3 6.04% $14,346
    LOANDEPOT.COM, LLC 3 6.20% $7,872
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 6.83% $4,595
    VILLAGE CAPITAL MORTGAGE 3 5.67% $4,104
    Texana Bank 2 6.50% $8,020
    AMERISAVE MORTGAGE CORPORATION 2 5.38% $25,281
    CARDINAL FINANCIAL 2 7.25% $7,567
    Banner Bank 2 6.38% $17,572
    CANOPY MORTGAGE, LLC 2 6.69% $15,757
    Lakeview Community Capital, LLC 2 5.62% $7,092
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 5.88% $10,258
    Prosperity Home Mortgage, LLC 1 6.75% $19,412
    SUN WEST MORTGAGE COMPANY, INC. 1 6.25% $12,038
    ALLIED MORTGAGE GROUP, INC. 1 5.25% $7,708
    U.S. Bank 1 5.63% $13,691
    T2 FINANCIAL LLC 1 6.63% $7,354
    AMERICAN FINANCIAL NETWORK, INC. 1 6.63% $58
    American Mortgage & Equity Consultants, Inc. 1 6.25% $9,858
    Armed Forces Bank 1 6.13% $2,295
    Commerce Home Mortgage, Inc. 1 5.50% $24,014
    Equity Prime Mortgage LLC 1 5.75% $4,750
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $9,674
    First Federal Bank 1 5.75% $8,750
    GENEVA FINANCIAL, LLC 1 6.00% $17,240
    Glacier Bank 1 5.75% $6,761
    GoPrime Mortgage, Inc. 1 5.00% $5,280
    GUILD MORTGAGE COMPANY 1 6.63% $12,311
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.75% $24,042
    KeyBank 1 5.88% $5,577
    LAKEVIEW LOAN SERVICING, LLC 1 6.25% $1,337
    LENOX FINANCIAL MORTGAGE CORPORATION 1 5.50% $19,714
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.50% $11,686
    NATIONS DIRECT MORTGAGE, LLC 1 5.75% $7,804
    NBKC BANK 1 5.00% $5,037
    NEWREZ LLC 1 5.99% $6,493
    Northpointe Bank 1 5.75% $5,221
    NUMERICA CREDIT UNION 1 6.13% $6,216
    Paramount Residential Mortgage Group, Inc. 1 6.25% $11,643
    PHH Mortgage Corporation 1 6.13% $4,611
    PLANET HOME LENDING, LLC 1 4.99% $9,695

    The top Yakima VA lender as defined by loan originations is Mortgage Research Center, LLC, with 39 VA loans originated. Their average total fees are $6,544, which is $6,659 lower than the next largest lender, CMG MORTGAGE, INC..

    The lowest fee Yakima VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($6,544), UNITED WHOLESALE MORTGAGE, LLC ($8,001), QUICKEN LOANS, LLC ($10,392), FREEDOM MORTGAGE CORPORATION ($12,289) and CMG MORTGAGE, INC. ($13,203).

    The lowest rate Yakima VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.81%), QUICKEN LOANS, LLC (5.86%), CMG MORTGAGE, INC. (6.19%), FREEDOM MORTGAGE CORPORATION (6.25%) and Mortgage Research Center, LLC (6.37%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Yakima (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 $257,300 (6.3%) $323,394 (10.8%) 0.95 312
    2018-02-01 $270,798 (12.9%) $349,371 (19.2%) 0.98 286
    2018-03-01 $289,500 (23.2%) $369,237 (29.3%) 1.02 275
    2018-04-01 $298,975 (30.1%) $379,533 (32.8%) 1.01 291
    2018-05-01 $291,451 (17.4%) $366,815 (26.4%) 0.97 312
    2018-06-01 $290,000 (17.8%) $373,079 (26.8%) 0.97 333
    2018-07-01 $288,088 (16.2%) $368,009 (25.1%) 0.96 354
    2018-08-01 $291,000 (18.8%) $380,360 (28.4%) 0.97 354
    2018-09-01 $295,000 (18.0%) $370,152 (20.8%) 0.99 376
    2018-10-01 $284,196 (13.7%) $360,715 (18.1%) 0.96 388
    2018-11-01 $291,725 (16.7%) $367,838 (19.4%) 0.99 365
    2018-12-01 $299,950 (15.8%) $364,494 (16.4%) 1.03 335
    2019-01-01 $289,900 (12.7%) $357,344 (10.5%) 1.00 305
    2019-02-01 $298,450 (10.2%) $366,937 (5.0%) 1.01 296
    2019-03-01 $319,979 (10.5%) $377,020 (2.1%) 1.05 292
    2019-04-01 $329,979 (10.4%) $379,570 (0.0%) 1.05 294
    2019-05-01 $324,800 (11.4%) $369,742 (0.8%) 1.02 308
    2019-06-01 $335,000 (15.5%) $377,539 (1.2%) 1.05 346
    2019-07-01 $326,125 (13.2%) $378,251 (2.8%) 1.02 340
    2019-08-01 $318,564 (9.5%) $372,652 (-2.0%) 1.01 331
    2019-09-01 $316,559 (7.3%) $364,032 (-1.7%) 1.01 348
    2019-10-01 $317,723 (11.8%) $360,869 (0.0%) 1.03 350
    2019-11-01 $322,500 (10.6%) $366,948 (-0.2%) 1.06 331
    2019-12-01 $319,950 (6.7%) $363,134 (-0.4%) 1.07 306
    2020-01-01 $303,700 (4.8%) $363,781 (1.8%) 1.01 269
    2020-02-01 $296,750 (-0.6%) $363,870 (-0.8%) 0.97 256
    2020-03-01 $334,925 (4.7%) $394,527 (4.6%) 1.05 246
    2020-04-01 $338,750 (2.7%) $384,581 (1.3%) 1.06 244
    2020-05-01 $345,000 (6.2%) $390,166 (5.5%) 1.05 228
    2020-06-01 $360,000 (7.5%) $400,171 (6.0%) 1.06 223
    2020-07-01 $386,125 (18.4%) $421,393 (11.4%) 1.12 194
    2020-08-01 $385,000 (20.9%) $413,073 (10.9%) 1.10 167
    2020-09-01 $375,000 (18.5%) $416,813 (14.5%) 1.07 184
    2020-10-01 $342,000 (7.6%) $411,988 (14.2%) 0.98 199
    2020-11-01 $349,000 (8.2%) $433,834 (18.2%) 1.02 186
    2020-12-01 $342,560 (7.1%) $425,599 (17.2%) 1.02 170
    2021-01-01 $349,000 (14.9%) $421,451 (15.9%) 1.04 155
    2021-02-01 $335,000 (12.9%) $405,155 (11.4%) 0.98 136
    2021-03-01 $346,500 (3.5%) $425,235 (7.8%) 0.98 133
    2021-04-01 $347,250 (2.5%) $404,975 (5.3%) 0.94 134
    2021-05-01 $337,500 (-2.2%) $395,090 (1.3%) 0.90 150
    2021-06-01 $330,000 (-8.3%) $386,061 (-3.5%) 0.87 175
    2021-07-01 $355,000 (-8.1%) $414,220 (-1.7%) 0.94 202
    2021-08-01 $349,962 (-9.1%) $413,190 (0.0%) 0.93 220
    2021-09-01 $369,425 (-1.5%) $412,712 (-1.0%) 0.99 253
    2021-10-01 $369,000 (7.9%) $411,716 (-0.1%) 0.98 243
    2021-11-01 $381,675 (9.4%) $423,640 (-2.4%) 1.02 242
    2021-12-01 $386,187 (12.7%) $433,491 (1.9%) 1.05 220
    2022-01-01 $386,449 (10.7%) $426,043 (1.1%) 1.04 174
    2022-02-01 $401,938 (20.0%) $462,517 (14.2%) 1.05 157
    2022-03-01 $392,838 (13.4%) $472,314 (11.1%) 0.98 152
    2022-04-01 $425,000 (22.4%) $498,386 (23.1%) 1.01 159
    2022-05-01 $430,000 (27.4%) $483,203 (22.3%) 0.98 193
    2022-06-01 $425,000 (28.8%) $499,719 (29.4%) 0.95 216
    2022-07-01 $429,950 (21.1%) $487,904 (17.8%) 0.97 281
    2022-08-01 $414,475 (18.4%) $472,701 (14.4%) 0.96 313
    2022-09-01 $398,950 (8.0%) $464,185 (12.5%) 0.93 319
    2022-10-01 $393,850 (6.7%) $448,760 (9.0%) 0.93 307
    2022-11-01 $387,000 (1.4%) $438,210 (3.4%) 0.93 321
    2022-12-01 $384,500 (-0.4%) $433,182 (-0.1%) 0.95 275
    2023-01-01 $370,000 (-4.3%) $429,103 (0.7%) 0.92 237
    2023-02-01 $379,725 (-5.5%) $433,252 (-6.3%) 0.92 235
    2023-03-01 $384,900 (-2.0%) $487,135 (3.1%) 0.91 214
    2023-04-01 $399,000 (-6.1%) $505,787 (1.5%) 0.93 223
    2023-05-01 $415,000 (-3.5%) $510,011 (5.6%) 0.94 235
    2023-06-01 $406,600 (-4.3%) $505,896 (1.2%) 0.91 252
    2023-07-01 $408,950 (-4.9%) $515,666 (5.7%) 0.93 267
    2023-08-01 $425,000 (2.5%) $523,630 (10.8%) 0.98 276
    2023-09-01 $429,900 (7.8%) $521,315 (12.3%) 1.00 316
    2023-10-01 $426,450 (8.3%) $502,234 (11.9%) 1.00 351
    2023-11-01 $417,250 (7.8%) $501,843 (14.5%) 0.99 339
    2023-12-01 $415,000 (7.9%) $493,159 (13.9%) 1.01 322
    2024-01-01 $414,950 (12.2%) $483,950 (12.8%) 1.01 302
    2024-02-01 $409,725 (7.9%) $473,014 (9.2%) 0.99 270
    2024-03-01 $415,000 (7.8%) $463,425 (-4.9%) 0.98 275
    2024-04-01 $417,500 (4.6%) $463,872 (-8.3%) 0.97 300
    2024-05-01 $422,000 (1.7%) $470,886 (-7.7%) 0.96 312
    2024-06-01 $434,000 (6.7%) $487,973 (-3.5%) 0.99 327
    2024-07-01 $425,725 (4.1%) $490,918 (-4.8%) 0.97 342
    2024-08-01 $430,995 (1.4%) $496,166 (-5.2%) 1.00 368
    2024-09-01 $433,874 (0.9%) $493,248 (-5.4%) 1.02 382
    2024-10-01 $431,000 (1.1%) $493,917 (-1.7%) 1.01 392
    2024-11-01 $415,950 (-0.3%) $483,684 (-3.6%) 1.00 407
    2024-12-01 $416,500 (0.4%) $478,732 (-2.9%) 1.03 379
    2025-01-01 $410,000 (-1.2%) $482,961 (-0.2%) 1.02 331
    2025-02-01 $399,975 (-2.4%) $485,664 (2.7%) 0.97 332
    2025-03-01 $424,500 (2.3%) $507,780 (9.6%) 1.00 335
    2025-04-01 $419,750 (0.5%) $508,483 (9.6%) 0.97 369
    2025-05-01 $439,950 (4.3%) $519,813 (10.4%) 1.00 417
    Yakima's median listing price for 2025-05-01 was $439,950, a difference of $17,950 (4.3%) versus the prior year and $20,200 versus the prior month.

    Yakima's median listing price comes in at 100% of the national average.

    Yakima's average listing price for 2025-05-01 was $519,813, a difference of $48,927 (10.4%) versus the prior year and $11,330 versus the prior month.

    For the 2025-05-01 period, Yakima had 417 MLS listings, a difference of 48 listings (13%) versus the prior month and 105 listings (34%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Yakima (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 85 days 1,981 sqft
    2018-02-01 75 days 1,982 sqft
    2018-03-01 45 days 2,009 sqft
    2018-04-01 45 days 2,027 sqft
    2018-05-01 40 days 1,965 sqft
    2018-06-01 41 days 1,984 sqft
    2018-07-01 48 days 1,951 sqft
    2018-08-01 52 days 1,975 sqft
    2018-09-01 46 days 1,987 sqft
    2018-10-01 48 days 1,916 sqft
    2018-11-01 58 days 1,988 sqft
    2018-12-01 78 days 1,999 sqft
    2019-01-01 76 days 1,946 sqft
    2019-02-01 66 days 1,990 sqft
    2019-03-01 55 days 2,009 sqft
    2019-04-01 47 days 2,032 sqft
    2019-05-01 39 days 1,988 sqft
    2019-06-01 40 days 2,052 sqft
    2019-07-01 44 days 2,017 sqft
    2019-08-01 50 days 1,985 sqft
    2019-09-01 48 days 1,938 sqft
    2019-10-01 48 days 1,920 sqft
    2019-11-01 53 days 1,986 sqft
    2019-12-01 59 days 2,039 sqft
    2020-01-01 73 days 1,970 sqft
    2020-02-01 57 days 1,961 sqft
    2020-03-01 45 days 2,052 sqft
    2020-04-01 48 days 2,091 sqft
    2020-05-01 51 days 2,064 sqft
    2020-06-01 45 days 2,112 sqft
    2020-07-01 41 days 2,056 sqft
    2020-08-01 39 days 2,116 sqft
    2020-09-01 28 days 2,052 sqft
    2020-10-01 30 days 1,915 sqft
    2020-11-01 43 days 1,905 sqft
    2020-12-01 47 days 1,927 sqft
    2021-01-01 55 days 1,853 sqft
    2021-02-01 32 days 1,820 sqft
    2021-03-01 24 days 1,769 sqft
    2021-04-01 24 days 1,821 sqft
    2021-05-01 21 days 1,770 sqft
    2021-06-01 24 days 1,747 sqft
    2021-07-01 22 days 1,761 sqft
    2021-08-01 23 days 1,756 sqft
    2021-09-01 29 days 1,790 sqft
    2021-10-01 36 days 1,800 sqft
    2021-11-01 35 days 1,834 sqft
    2021-12-01 45 days 1,780 sqft
    2022-01-01 53 days 1,697 sqft
    2022-02-01 61 days 1,792 sqft
    2022-03-01 39 days 1,794 sqft
    2022-04-01 31 days 1,924 sqft
    2022-05-01 25 days 1,975 sqft
    2022-06-01 27 days 2,057 sqft
    2022-07-01 32 days 2,014 sqft
    2022-08-01 39 days 2,014 sqft
    2022-09-01 41 days 1,986 sqft
    2022-10-01 51 days 1,952 sqft
    2022-11-01 50 days 1,941 sqft
    2022-12-01 66 days 1,919 sqft
    2023-01-01 75 days 1,940 sqft
    2023-02-01 61 days 1,900 sqft
    2023-03-01 45 days 1,846 sqft
    2023-04-01 43 days 1,881 sqft
    2023-05-01 40 days 1,907 sqft
    2023-06-01 42 days 1,891 sqft
    2023-07-01 44 days 1,897 sqft
    2023-08-01 41 days 1,934 sqft
    2023-09-01 39 days 1,943 sqft
    2023-10-01 45 days 1,901 sqft
    2023-11-01 51 days 1,881 sqft
    2023-12-01 65 days 1,883 sqft
    2024-01-01 72 days 1,861 sqft
    2024-02-01 81 days 1,777 sqft
    2024-03-01 63 days 1,789 sqft
    2024-04-01 45 days 1,857 sqft
    2024-05-01 44 days 1,884 sqft
    2024-06-01 47 days 1,919 sqft
    2024-07-01 47 days 1,901 sqft
    2024-08-01 49 days 1,963 sqft
    2024-09-01 47 days 1,923 sqft
    2024-10-01 45 days 1,956 sqft
    2024-11-01 53 days 1,826 sqft
    2024-12-01 62 days 1,805 sqft
    2025-01-01 70 days 1,784 sqft
    2025-02-01 61 days 1,723 sqft
    2025-03-01 49 days 1,765 sqft
    2025-04-01 42 days 1,807 sqft
    2025-05-01 45 days 1,872 sqft
    Yakima's median listing age (time on market) for 2025-05-01 was 45 days. This is 2% longer than the same period one year ago.

    Yakima's median square footage for active listings during the 2025-05-01 period was 1,872 sqft. One year prior, the average listing was 1,884 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.