Low Va Rates Mortgage Rates, Fees & Info
Brighton, COLEI: 5493004RCIKTZ2ZKII25
Tax ID: 46-3435079
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Low Va Rates is a smaller mortgage company specializing in Refi loans. Low Va Rates has an average proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Las Vegas, Atlanta, Riverside, Phoenix, and Tampa among others. We have data for 281 markets. (Some data included below & more in-depth data is available with an active subscription.)Low Va Rates has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Low Va Rates is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.72% | 12/16/24 |
| 30 Year Conventional Refi | 6.75% | 12/16/24 |
| 30 Year FHA Purchase | 7.16% | 12/16/24 |
| 30 Year FHA Refi | 7.08% | 12/16/24 |
| 30 Year VA Purchase | 6.55% | 12/16/24 |
| 30 Year VA Refi | 6.37% | 12/16/24 |
| 15 Year Conventional Refi | 7.06% | 12/16/24 |
| 15 Year Cash-out Refi | 7.06% | 12/16/24 |
| 15 Year VA Refi | 6.62% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Low Va Rates Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Low Va Rates. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
930Origination Dollar Volume (All Markets)
$291,790,000Awards
×
![]()
Low VA Rates - 2022
Low VA Rates is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
Work for Low VA Rates?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 61 | $22,265,000 | $365,000 | $12,206 | 4.46% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 53 | $18,375,000 | $346,698 | $17,780 | 4.41% |
| Outside of Metro Areas | 33 | $8,835,000 | $267,727 | $10,716 | 4.97% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 19 | $7,225,000 | $380,263 | $16,773 | 4.37% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 21 | $6,895,000 | $328,333 | $16,331 | 4.01% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 16 | $5,580,000 | $348,750 | $14,363 | 4.53% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 16 | $5,140,000 | $321,250 | $19,066 | 4.45% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 12 | $5,110,000 | $425,833 | $21,923 | 4.55% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 14 | $4,910,000 | $350,714 | $21,489 | 4.28% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 9 | $4,505,000 | $500,556 | $18,645 | 4.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 11 | $4,495,000 | $408,636 | $22,219 | 4.16% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 10 | $4,270,000 | $427,000 | $10,904 | 4.80% |
| PROVO-OREM, UT (FHA|USDA|VA) | 10 | $3,750,000 | $375,000 | $18,079 | 4.05% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 9 | $3,725,000 | $413,889 | $20,331 | 4.49% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 9 | $3,415,000 | $379,444 | $17,649 | 4.68% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 6 | $3,280,000 | $546,667 | $22,986 | 3.54% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 10 | $3,070,000 | $307,000 | $17,601 | 4.84% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 9 | $3,065,000 | $340,556 | $11,583 | 3.72% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 10 | $3,040,000 | $304,000 | $15,526 | 4.59% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $3,015,000 | $335,000 | $10,165 | 5.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 11 | $3,005,000 | $273,182 | $14,678 | 4.59% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 11 | $3,005,000 | $273,182 | $13,087 | 4.34% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 4 | $2,960,000 | $740,000 | $31,210 | 4.00% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 12 | $2,750,000 | $229,167 | $11,011 | 5.08% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 9 | $2,515,000 | $279,444 | $10,350 | 4.39% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $2,490,000 | $415,000 | $16,747 | 4.17% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $2,490,000 | $311,250 | $9,953 | 4.39% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 8 | $2,450,000 | $306,250 | $11,926 | 4.56% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $2,440,000 | $610,000 | $20,830 | 3.19% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 10 | $2,430,000 | $243,000 | $13,239 | 4.21% |
| BOISE CITY, ID (FHA|USDA|VA) | 7 | $2,415,000 | $345,000 | $18,849 | 4.66% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 8 | $2,410,000 | $301,250 | $12,368 | 4.14% |
| RENO, NV (FHA|USDA|VA) | 5 | $2,345,000 | $469,000 | $24,198 | 4.33% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $2,305,000 | $461,000 | $22,390 | 3.98% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $2,265,000 | $453,000 | $23,584 | 4.95% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 5 | $2,145,000 | $429,000 | $11,077 | 3.80% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 7 | $2,085,000 | $297,857 | $14,664 | 5.59% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $2,065,000 | $688,333 | $26,917 | 4.08% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $2,005,000 | $286,429 | $8,113 | 4.66% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 8 | $1,970,000 | $246,250 | $13,769 | 4.23% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $11,866 | 3.64% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $10,462 | 4.33% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $1,790,000 | $447,500 | $13,135 | 4.16% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $1,780,000 | $222,500 | $11,143 | 4.78% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 9 | $1,765,000 | $196,111 | $7,551 | 5.22% |
| Fernley, NV (FHA|USDA|VA) | 5 | $1,755,000 | $351,000 | $21,507 | 4.25% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $1,740,000 | $435,000 | $14,832 | 4.56% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $22,304 | 4.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $12,897 | 4.23% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,650,000 | $412,500 | $13,578 | 4.34% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,530,000 | $255,000 | $11,201 | 4.58% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $11,141 | 4.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $21,770 | 3.80% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $13,892 | 3.90% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $17,126 | 4.15% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $15,324 | 4.35% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $8,896 | 4.57% |
| TULSA, OK (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $11,200 | 4.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $12,887 | 3.17% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $9,009 | 4.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $17,352 | 5.25% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $9,999 | 2.69% |
| LAS CRUCES, NM (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $6,822 | 4.09% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $14,352 | 3.96% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $18,990 | 4.16% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $13,419 | 6.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $17,478 | 3.91% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $17,850 | 3.54% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $29,048 | 3.56% |
| SALEM, OR (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $17,398 | 4.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $13,662 | 4.81% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $17,499 | 4.13% |
| OCALA, FL (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $10,384 | 4.00% |
| LAWTON, OK (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $12,107 | 4.81% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $5,773 | 4.58% |
| HINESVILLE, GA (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $10,366 | 4.41% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $12,190 | 4.54% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $13,008 | 5.17% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $12,165 | 4.84% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $13,942 | 5.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $13,076 | 4.44% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $8,915 | 5.63% |
| SUMTER, SC (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $10,942 | 5.58% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $25,917 | 4.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $10,113 | 3.75% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $20,821 | 5.31% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $9,114 | 4.56% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $9,318 | 4.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $10,022 | 5.31% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $9,527 | 4.13% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $9,936 | 5.83% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $11,025 | 4.42% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $7,899 | 3.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $16,599 | 4.69% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $15,393 | 4.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $9,211 | 4.81% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $5,475 | 4.47% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $19,426 | 4.88% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $54,721 | 4.75% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $2,245 | 3.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $10,661 | 3.92% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $9,965 | 3.25% |
| WACO, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $15,143 | 4.25% |
| DOVER, DE (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,066 | 4.50% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $6,272 | 6.08% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $853 | 4.25% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $14,946 | 2.81% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $25,131 | 5.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $11,745 | 4.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,112 | 4.13% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $16,101 | 4.50% |
| BEND, OR (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,365 | 4.75% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,868 | 5.06% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,184 | 5.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $11,976 | 4.58% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $25,083 | 4.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $30,342 | 5.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $15,640 | 5.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $13,709 | 5.31% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $15,571 | 5.00% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $7,985 | 5.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $10,357 | 5.31% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $16,696 | 3.50% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,758 | 4.75% |
| MERCED, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $16,356 | 4.25% |
| Mountain Home, ID (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $14,070 | 4.63% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $12,295 | 6.25% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $10,760 | 6.00% |
| Astoria, OR (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $12,711 | 4.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $13,801 | 4.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $12,748 | 4.06% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $19,501 | 4.38% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,913 | 4.25% |
| Greeneville, TN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,248 | 4.56% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $10,512 | 3.75% |
| Outside of Metro Areas | 1 | $435,000 | $435,000 | $6,362 | 3.25% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $17,113 | 4.75% |
| FLINT, MI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $22,637 | 5.25% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $34,542 | 3.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $20,101 | 5.75% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $16,580 | 3.38% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,589 | 4.25% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $22,450 | 5.25% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $9,630 | 4.75% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $28,238 | 3.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $10,967 | 5.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $15,445 | 2.00% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,256 | 4.94% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,371 | 4.13% |
| Juneau, AK (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $31,468 | 4.88% |
| Crawfordsville, IN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $10,261 | 3.50% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $16,262 | 4.00% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,395 | 3.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $29,932 | 4.50% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,743 | 5.19% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,574 | 6.00% |
| Riverton, WY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $19,500 | 6.00% |
| LIMA, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $10,165 | 4.25% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,756 | 4.69% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $26,921 | 5.38% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,112 | 5.50% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,260 | 5.00% |
| Wilson, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,015 | 4.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $14,774 | 5.25% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $19,600 | 3.75% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 6.38% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,950 | 2.25% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $30,164 | 2.25% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,224 | 7.25% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,531 | 4.25% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $17,966 | 3.75% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,375 | 5.50% |
| Granbury, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,740 | 5.00% |
| Moscow, ID (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,989 | 2.88% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,960 | 5.88% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,314 | 5.88% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,672 | 5.13% |
| Evanston, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $26,607 | 5.75% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,470 | 4.75% |
| Newport, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $20,517 | 5.50% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,688 | 6.88% |
| Keene, NH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 5.75% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $16,177 | 6.00% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,386 | 4.75% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $28,307 | 2.25% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $21,279 | 3.25% |
| REDDING, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,087 | 5.50% |
| Branson, MO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $33,445 | 4.75% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,290 | 4.25% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $14,876 | 3.00% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $26,520 | 4.75% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,859 | 5.50% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,394 | 5.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,643 | 3.50% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,477 | 4.75% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,362 | 2.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $24,767 | 3.88% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,203 | 4.25% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,268 | 3.75% |
| Wooster, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $19,392 | 5.25% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,660 | 4.75% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $921 | 7.25% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,216 | 2.75% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,866 | 5.13% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $15,516 | 4.75% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,048 | 5.75% |
| Winfield, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $23,579 | 4.75% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,880 | 4.88% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,441 | 3.81% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $16,014 | 6.75% |
| Dayton, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $498 | 5.50% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $16,117 | 4.13% |
| Carroll, IA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,528 | 5.88% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,271 | 4.00% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,290 | 3.50% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,661 | 5.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.75% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,192 | 4.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $14,361 | 4.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $846 | 4.25% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,979 | 4.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $19,781 | 3.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $19,358 | 5.50% |
| Batesville, AR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $18,584 | 5.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,318 | 4.75% |
| Athens, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,438 | 2.25% |
| Platteville, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,981 | 2.25% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,572 | 3.88% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $18,886 | 4.63% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,211 | 5.50% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,863 | 6.13% |
| Rockport, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,234 | 4.75% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,430 | 5.88% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,781 | 5.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,480 | 4.50% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $236 | 4.50% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $15,038 | 4.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,364 | 6.25% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,237 | 4.00% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $16,735 | 4.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $6,378 | 3.81% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,982 | 4.25% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.50% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,845 | 4.75% |
| Somerset, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,652 | 5.75% |
| Tifton, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $21,764 | 3.25% |
| Columbus, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $14,742 | 5.75% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,069 | 4.63% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,358 | 7.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,088 | 3.25% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,782 | 4.75% |
| Jasper, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,186 | 5.38% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,215 | 3.75% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,535 | 4.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $15,424 | 4.25% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.25% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,921 | 4.75% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $13,261 | 5.75% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $125 | 5.00% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $15,165 | 3.75% |
| Lake City, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,223 | 4.75% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,344 | 5.88% |
| Angola, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $14,301 | 4.38% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $13,895 | 5.75% |
| MONROE, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.25% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,268 | 5.63% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,174 | 5.63% |
| Peru, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,564 | 3.88% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,741 | 5.75% |
| Shelby, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,141 | 4.75% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $9,535 | 4.25% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,171 | 4.75% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,897 | 4.25% |
| Alpena, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,856 | 7.25% |
| Albertville, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,250 | 5.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,121 | 3.25% |
| Meadville, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,823 | 3.88% |
| Marshall, MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,375 | 6.75% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,586 | 5.88% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,534 | 4.25% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,061 | 7.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against Low VA Rates based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
BEACH MUNICIPAL FEDERAL CREDIT UNION
Similarity Rank: 4
Similarity Rank: 4
Bossier Federal Credit Union
Similarity Rank: 19
Similarity Rank: 19
MISSION
Similarity Rank: 30
Similarity Rank: 30
A. E. A. Federal Credit Union
Similarity Rank: 30
Similarity Rank: 30
PANHANDLE FEDERAL CREDIT UNION
Similarity Rank: 34
Similarity Rank: 34
RED CROWN
Similarity Rank: 52
Similarity Rank: 52
SAFEAMERICA CREDIT UNION
Similarity Rank: 54
Similarity Rank: 54
MORTGAGE CLEARING CORPORATION
Similarity Rank: 65
Similarity Rank: 65
American Southwest Credit Union
Similarity Rank: 70
Similarity Rank: 70
Piedmont Federal Savings Bank
Similarity Rank: 80
Similarity Rank: 80
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| VA | 819 | $260,195,000 | $317,698 | $14,859 | 4.47% |
| Conventional | 102 | $29,080,000 | $285,098 | $7,299 | 4.81% |
| FHA | 9 | $2,515,000 | $279,444 | $10,391 | 4.89% |
For 2022, Low Va Rates's most frequently originated type of loan was VA, with 819 originations. Their 2nd most popular type was Conventional, with 102 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 755 | $234,655,000 | $310,801 | $15,493 | 4.36% |
| Home Purchase | 175 | $57,135,000 | $326,486 | $7,488 | 5.16% |
For 2022, Low Va Rates's most frequently cited loan purpose was Refi, with 755 originations. The 2nd most popular reason was Home Purchase, with 175 originations.
Loan Duration/Length
For 2022, Low Va Rates's most frequently cited loan duration was 30 Year, with 871 originations. The 2nd most popular length was Other, with 48 originations.
Origination Fees/Closing Costs
Low Va Rates's average total fees were $13,803, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 614 originations.
Interest Rates
During 2022, Low Va Rates's average interest rate for loans was 4.48%, while their most frequently originated rate bucket for loans was 4-5%, with 331 originations.
Loan Sizing
2022 saw Low Va Rates place emphasis on $200k-400k loans with 531 originations, totaling $154,365,000 in origination value.
Applicant Income
Low Va Rates lent most frequently to those with incomes in the $50k-75k range, with 280 originations. The second most popular income band? $100k-150k, with 230 originations.
Applicant Debt to Income Ratio
Low Va Rates lent most frequently to those with DTI ratios of 50-60%, with 162 originations. The next most common DTI ratio? 30-36%, with 138 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.05%
Low Va Rates has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination64.84%
Low Va Rates has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 930 | $291,790,000 | $313,753 |