Yuba City VA Loan Rates, Closing Costs & Stats

YUBA CITY, 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.

    Yuba City's 69 lenders originated 391 VA loans during 2024. The total origination value was $168,425,000, with an average VA loan value of $430,754.

    Yuba City VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Yuba City averaged 6.38% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

    Yuba City's average VA mortgage closing costs are $7,176.

    The average rate for the prior week (2025-07-04) was 6.29% and one month ago for the week of 2025-06-06, the average rate was 6.56%.

    The average rate one year ago was 6.68%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.37%.

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

    Yuba City 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 Yuba City level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 65 5.83% $7,489
    Mortgage Research Center, LLC 35 6.30% $8,501
    LOANDEPOT.COM, LLC 27 5.73% $9,998
    QUICKEN LOANS, LLC 22 6.16% $9,281
    FREEDOM MORTGAGE CORPORATION 21 6.21% $11,228
    GUILD MORTGAGE COMPANY 20 6.38% $10,530
    AMERICAN PACIFIC MORTGAGE CORPORATION 17 6.32% $12,531
    KBHS HOME LOANS, LLC 11 5.88% $9,435
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 10 4.91% $9,092
    VILLAGE CAPITAL MORTGAGE 8 5.67% $9,090
    PENNYMAC LOAN SERVICES, LLC 7 5.30% $11,284
    HOMEAMERICAN MORTGAGE CORPORATION 7 5.09% $1,935
    NAVY FEDERAL CREDIT UNION 7 5.98% $10,233
    CROSSCOUNTRY MORTGAGE, LLC 6 6.33% $11,241
    Century Mortgage Company DBA Century Lending Company 6 6.25% $7,166
    BROKER SOLUTIONS, INC. 5 6.50% $11,268
    EAGLE HOME MORTGAGE, LLC 5 4.62% $8,660
    U.S. Bank 4 6.09% $12,908
    American Mortgage & Equity Consultants, Inc. 4 6.31% $14,111
    DHI MORTGAGE COMPANY, LTD. 4 5.90% $10,717
    MOVEMENT MORTGAGE, LLC 4 6.15% $24,417
    Lakeview Community Capital, LLC 3 5.83% $8,885
    SUN WEST MORTGAGE COMPANY, INC. 3 6.33% $4,569
    The Federal Savings Bank 3 5.63% $21,111
    The Loan Store, Inc. 3 6.58% $7,823
    LAKEVIEW LOAN SERVICING, LLC 3 5.88% $5,121
    Equity Prime Mortgage LLC 2 6.75% $10,004
    Armed Forces Bank 2 6.25% $14,122
    MASON MCDUFFIE MORTGAGE CORPORATION 2 7.50% $16,410
    CLEARPATH LENDING 2 5.50% $11,356
    CITY FIRST MORTGAGE SERVICES, L.L.C. 2 5.94% $22,125
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 5.38% $9,206
    SCENIC OAKS FUNDING, INC. 2 6.38% $7,367
    Mr. Cooper ( Nationstar Mortgage ) 2 6.25% $3,606
    NEWREZ LLC 2 6.00% $5,050
    ZILLOW HOME LOANS, LLC 1 7.63% $14,734
    AMERICAN FINANCING CORPORATION 1 5.25% $7,069
    AmeriHome Mortgage Company, LLC 1 6.13% $4,834
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.75% $7,999
    Barrington Bank & Trust Company, N.A. 1 6.25% $2,398
    CARDINAL FINANCIAL 1 6.99% $16,821
    Carrington Mortgage Services, LLC 1 5.88% $7,249
    CHURCHILL MORTGAGE CORPORATION 1 6.63% $16,713
    CMG MORTGAGE, INC. 1 6.38% $20,775
    Commerce Home Mortgage, Inc. 1 5.63% $4,066
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $18,773
    First Bank 1 5.99% $8,402
    Flagstar Bank, FSB 1 6.50% $13,745
    Goldwater Bank, N.A. 1 6.38% $13,135
    GUARANTEED RATE, INC. 1 5.50% $18,135
    HomePromise Corporation 1 7.13% $1,129
    HOMESIDE FINANCIAL, LLC 1 6.25% $18,296
    JMAC LENDING, INC. 1 6.25% $6,043
    JMJ FINANCIAL GROUP 1 6.00% $4,999
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $0
    NATIONS DIRECT MORTGAGE, LLC 1 6.63% $17,404
    Nations Lending Corporation 1 6.25% $9,095
    NBKC BANK 1 5.88% $11,837
    NETWORK CAPITAL FUNDING CORPORATION 1 5.75% $4,592
    NEW DAY FINANCIAL, LLC 1 7.63% $21,175
    OCMBC, INC. 1 6.63% $5,916
    OPEN MORTGAGE, LLC 1 5.75% $2,676
    Paramount Residential Mortgage Group, Inc. 1 6.25% $6,595
    Plains Commerce Bank 1 6.75% $10,560
    PLANET HOME LENDING, LLC 1 6.75% $4,761
    SUMMIT FUNDING, INC. 1 6.63% $23,401
    USAA Federal Savings Bank 1 6.25% $20,266
    VERITAS FUNDING, LLC 1 6.75% $15,470
    AMERICAN FINANCIAL NETWORK, INC. 1 6.25% $6,415

    The top Yuba City VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 65 VA loans originated. Their average total fees are $7,489, which is $1,013 lower than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Yuba City VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($7,489), Mortgage Research Center, LLC ($8,501), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. ($9,092), QUICKEN LOANS, LLC ($9,281) and KBHS HOME LOANS, LLC ($9,435).

    The lowest rate Yuba City VA lenders (with over 10 loans originated) are K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (4.91%), LOANDEPOT.COM, LLC (5.73%), UNITED WHOLESALE MORTGAGE, LLC (5.83%), KBHS HOME LOANS, LLC (5.88%) and QUICKEN LOANS, LLC (6.16%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Yuba City (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 $299,900 (9.9%) $357,671 (6.7%) 1.11 328
    2018-02-01 $305,011 (5.6%) $360,799 (6.5%) 1.11 320
    2018-03-01 $316,750 (8.7%) $371,416 (10.0%) 1.11 306
    2018-04-01 $331,250 (11.5%) $383,797 (9.2%) 1.12 324
    2018-05-01 $329,000 (11.0%) $384,538 (6.3%) 1.10 363
    2018-06-01 $328,850 (9.6%) $382,254 (5.5%) 1.10 390
    2018-07-01 $320,963 (7.0%) $367,120 (1.4%) 1.07 443
    2018-08-01 $317,475 (6.2%) $359,482 (0.3%) 1.06 490
    2018-09-01 $319,900 (7.0%) $366,818 (4.3%) 1.08 499
    2018-10-01 $312,500 (5.9%) $364,765 (5.8%) 1.06 500
    2018-11-01 $306,725 (4.0%) $358,956 (3.5%) 1.04 463
    2018-12-01 $300,000 (1.7%) $348,567 (-0.8%) 1.03 378
    2019-01-01 $299,950 (0.0%) $354,149 (-1.0%) 1.04 316
    2019-02-01 $312,450 (2.4%) $377,542 (4.6%) 1.06 317
    2019-03-01 $322,959 (2.0%) $392,108 (5.6%) 1.06 306
    2019-04-01 $328,639 (-0.8%) $393,605 (2.6%) 1.04 317
    2019-05-01 $327,425 (-0.5%) $401,301 (4.4%) 1.02 364
    2019-06-01 $334,900 (1.8%) $393,127 (2.8%) 1.05 388
    2019-07-01 $335,000 (4.4%) $395,106 (7.6%) 1.05 420
    2019-08-01 $331,636 (4.5%) $380,067 (5.7%) 1.05 424
    2019-09-01 $329,591 (3.0%) $370,612 (1.0%) 1.05 420
    2019-10-01 $331,702 (6.1%) $367,430 (0.7%) 1.07 397
    2019-11-01 $339,000 (10.5%) $379,836 (5.8%) 1.11 384
    2019-12-01 $329,950 (10.0%) $393,866 (13.0%) 1.10 316
    2020-01-01 $333,250 (11.1%) $381,398 (7.7%) 1.11 284
    2020-02-01 $349,999 (12.0%) $395,475 (4.8%) 1.15 287
    2020-03-01 $359,975 (11.5%) $416,798 (6.3%) 1.13 300
    2020-04-01 $360,000 (9.5%) $418,794 (6.4%) 1.13 299
    2020-05-01 $389,475 (19.0%) $445,558 (11.0%) 1.18 250
    2020-06-01 $386,900 (15.5%) $439,568 (11.8%) 1.14 219
    2020-07-01 $386,475 (15.4%) $445,305 (12.7%) 1.12 200
    2020-08-01 $375,000 (13.1%) $441,066 (16.1%) 1.07 190
    2020-09-01 $392,500 (19.1%) $453,492 (22.4%) 1.12 170
    2020-10-01 $385,000 (16.1%) $457,886 (24.6%) 1.10 189
    2020-11-01 $402,000 (18.6%) $455,020 (19.8%) 1.18 157
    2020-12-01 $404,400 (22.6%) $448,803 (14.0%) 1.20 136
    2021-01-01 $399,900 (20.0%) $482,044 (26.4%) 1.19 100
    2021-02-01 $402,475 (15.0%) $502,939 (27.2%) 1.17 115
    2021-03-01 $407,500 (13.2%) $502,750 (20.6%) 1.16 116
    2021-04-01 $405,000 (12.5%) $491,753 (17.4%) 1.10 140
    2021-05-01 $419,900 (7.8%) $506,822 (13.8%) 1.12 138
    2021-06-01 $432,500 (11.8%) $559,511 (27.3%) 1.14 182
    2021-07-01 $429,900 (11.2%) $540,832 (21.5%) 1.13 212
    2021-08-01 $417,475 (11.3%) $504,225 (14.3%) 1.11 204
    2021-09-01 $422,500 (7.6%) $505,573 (11.5%) 1.13 222
    2021-10-01 $429,995 (11.7%) $521,346 (13.9%) 1.15 226
    2021-11-01 $440,450 (9.6%) $533,278 (17.2%) 1.18 223
    2021-12-01 $443,000 (9.6%) $514,124 (14.6%) 1.20 166
    2022-01-01 $452,500 (13.2%) $524,805 (8.9%) 1.22 148
    2022-02-01 $474,950 (18.0%) $532,033 (5.8%) 1.24 150
    2022-03-01 $477,000 (17.1%) $537,959 (7.0%) 1.19 178
    2022-04-01 $475,000 (17.3%) $529,955 (7.8%) 1.13 212
    2022-05-01 $492,890 (17.4%) $528,117 (4.2%) 1.13 272
    2022-06-01 $480,117 (11.0%) $532,822 (-4.8%) 1.07 328
    2022-07-01 $470,000 (9.3%) $524,666 (-3.0%) 1.06 373
    2022-08-01 $459,900 (10.2%) $516,903 (2.5%) 1.06 432
    2022-09-01 $455,000 (7.7%) $508,772 (0.6%) 1.06 422
    2022-10-01 $451,500 (5.0%) $504,582 (-3.2%) 1.06 403
    2022-11-01 $457,750 (3.9%) $514,050 (-3.6%) 1.10 376
    2022-12-01 $452,900 (2.2%) $512,768 (-0.3%) 1.12 321
    2023-01-01 $459,900 (1.6%) $511,818 (-2.5%) 1.14 279
    2023-02-01 $459,725 (-3.2%) $508,514 (-4.4%) 1.11 279
    2023-03-01 $472,475 (-1.0%) $523,697 (-2.7%) 1.11 262
    2023-04-01 $475,000 (0.0%) $538,148 (1.6%) 1.10 209
    2023-05-01 $469,875 (-4.7%) $538,921 (2.1%) 1.07 209
    2023-06-01 $479,500 (-0.1%) $553,010 (3.8%) 1.08 216
    2023-07-01 $479,000 (1.9%) $537,840 (2.5%) 1.09 225
    2023-08-01 $469,225 (2.0%) $516,377 (-0.1%) 1.08 230
    2023-09-01 $469,000 (3.1%) $510,580 (0.4%) 1.09 245
    2023-10-01 $459,875 (1.9%) $507,553 (0.6%) 1.08 255
    2023-11-01 $471,950 (3.1%) $497,881 (-3.2%) 1.12 259
    2023-12-01 $459,999 (1.6%) $487,451 (-4.9%) 1.12 242
    2024-01-01 $462,000 (0.5%) $478,860 (-6.4%) 1.13 220
    2024-02-01 $465,444 (1.2%) $482,334 (-5.2%) 1.12 205
    2024-03-01 $467,000 (-1.2%) $481,521 (-8.1%) 1.10 229
    2024-04-01 $469,356 (-1.2%) $498,365 (-7.4%) 1.09 264
    2024-05-01 $480,000 (2.2%) $510,886 (-5.2%) 1.09 298
    2024-06-01 $478,990 (-0.1%) $522,397 (-5.5%) 1.09 339
    2024-07-01 $475,082 (-0.8%) $518,390 (-3.6%) 1.09 340
    2024-08-01 $480,000 (2.3%) $525,251 (1.7%) 1.12 348
    2024-09-01 $484,950 (3.4%) $523,342 (2.5%) 1.14 355
    2024-10-01 $480,975 (4.6%) $514,031 (1.3%) 1.13 386
    2024-11-01 $484,450 (2.7%) $504,717 (1.4%) 1.16 394
    2024-12-01 $488,725 (6.2%) $514,755 (5.6%) 1.21 346
    2025-01-01 $478,950 (3.7%) $504,610 (5.4%) 1.20 307
    2025-02-01 $484,725 (4.1%) $504,407 (4.6%) 1.18 310
    2025-03-01 $485,000 (3.9%) $504,062 (4.7%) 1.14 328
    2025-04-01 $487,500 (3.9%) $502,942 (0.9%) 1.13 357
    2025-05-01 $489,450 (2.0%) $507,150 (-0.7%) 1.11 372
    2025-06-01 $476,848 (-0.5%) $512,522 (-1.9%) 1.08 421
    Yuba City's median listing price for 2025-06-01 was $476,848, a difference of $-2,142 (-0.5%) versus the prior year and $-12,602 versus the prior month.

    Yuba City's median listing price comes in at 108% of the national average.

    Yuba City's average listing price for 2025-06-01 was $512,522, a difference of $-9,875 (-1.9%) versus the prior year and $5,372 versus the prior month.

    For the 2025-06-01 period, Yuba City had 421 MLS listings, a difference of 49 listings (13%) versus the prior month and 82 listings (24%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Yuba City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 69 days 1,841 sqft
    2018-02-01 61 days 1,847 sqft
    2018-03-01 47 days 1,873 sqft
    2018-04-01 43 days 1,883 sqft
    2018-05-01 38 days 1,887 sqft
    2018-06-01 41 days 1,853 sqft
    2018-07-01 40 days 1,807 sqft
    2018-08-01 43 days 1,786 sqft
    2018-09-01 51 days 1,829 sqft
    2018-10-01 55 days 1,785 sqft
    2018-11-01 57 days 1,719 sqft
    2018-12-01 66 days 1,712 sqft
    2019-01-01 62 days 1,639 sqft
    2019-02-01 52 days 1,678 sqft
    2019-03-01 48 days 1,687 sqft
    2019-04-01 43 days 1,692 sqft
    2019-05-01 38 days 1,681 sqft
    2019-06-01 44 days 1,728 sqft
    2019-07-01 46 days 1,736 sqft
    2019-08-01 50 days 1,744 sqft
    2019-09-01 55 days 1,760 sqft
    2019-10-01 58 days 1,791 sqft
    2019-11-01 58 days 1,867 sqft
    2019-12-01 72 days 1,826 sqft
    2020-01-01 73 days 1,853 sqft
    2020-02-01 47 days 1,865 sqft
    2020-03-01 45 days 1,895 sqft
    2020-04-01 52 days 1,865 sqft
    2020-05-01 71 days 2,033 sqft
    2020-06-01 75 days 2,006 sqft
    2020-07-01 73 days 1,933 sqft
    2020-08-01 48 days 1,906 sqft
    2020-09-01 44 days 1,990 sqft
    2020-10-01 44 days 1,865 sqft
    2020-11-01 51 days 1,861 sqft
    2020-12-01 62 days 1,837 sqft
    2021-01-01 54 days 1,812 sqft
    2021-02-01 27 days 1,828 sqft
    2021-03-01 33 days 1,805 sqft
    2021-04-01 26 days 1,861 sqft
    2021-05-01 29 days 1,850 sqft
    2021-06-01 25 days 1,788 sqft
    2021-07-01 27 days 1,750 sqft
    2021-08-01 38 days 1,656 sqft
    2021-09-01 37 days 1,661 sqft
    2021-10-01 38 days 1,716 sqft
    2021-11-01 42 days 1,754 sqft
    2021-12-01 51 days 1,759 sqft
    2022-01-01 49 days 1,791 sqft
    2022-02-01 32 days 1,760 sqft
    2022-03-01 25 days 1,806 sqft
    2022-04-01 26 days 1,754 sqft
    2022-05-01 29 days 1,846 sqft
    2022-06-01 32 days 1,834 sqft
    2022-07-01 40 days 1,790 sqft
    2022-08-01 47 days 1,784 sqft
    2022-09-01 48 days 1,794 sqft
    2022-10-01 54 days 1,818 sqft
    2022-11-01 62 days 1,802 sqft
    2022-12-01 69 days 1,756 sqft
    2023-01-01 74 days 1,801 sqft
    2023-02-01 54 days 1,789 sqft
    2023-03-01 53 days 1,853 sqft
    2023-04-01 50 days 1,866 sqft
    2023-05-01 38 days 1,870 sqft
    2023-06-01 39 days 1,947 sqft
    2023-07-01 46 days 1,924 sqft
    2023-08-01 45 days 1,905 sqft
    2023-09-01 40 days 1,900 sqft
    2023-10-01 47 days 1,878 sqft
    2023-11-01 52 days 1,867 sqft
    2023-12-01 52 days 1,810 sqft
    2024-01-01 58 days 1,784 sqft
    2024-02-01 58 days 1,787 sqft
    2024-03-01 44 days 1,780 sqft
    2024-04-01 41 days 1,818 sqft
    2024-05-01 35 days 1,837 sqft
    2024-06-01 43 days 1,832 sqft
    2024-07-01 46 days 1,818 sqft
    2024-08-01 50 days 1,837 sqft
    2024-09-01 51 days 1,859 sqft
    2024-10-01 47 days 1,865 sqft
    2024-11-01 52 days 1,871 sqft
    2024-12-01 70 days 1,882 sqft
    2025-01-01 73 days 1,845 sqft
    2025-02-01 53 days 1,837 sqft
    2025-03-01 44 days 1,837 sqft
    2025-04-01 40 days 1,837 sqft
    2025-05-01 44 days 1,846 sqft
    2025-06-01 50 days 1,840 sqft
    Yuba City's median listing age (time on market) for 2025-06-01 was 50 days. This is 16% longer than the same period one year ago.

    Yuba City's median square footage for active listings during the 2025-06-01 period was 1,840 sqft. One year prior, the average listing was 1,832 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.