Aberdeen VA Loan Rates, Closing Costs & Stats

Aberdeen, 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.

    Aberdeen's 49 lenders originated 229 VA loans during 2024. The total origination value was $84,945,000, with an average VA loan value of $370,939.

    Aberdeen VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Aberdeen averaged 0.5% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Aberdeen's average VA mortgage closing costs are $6,634.

    The average rate for the prior week (2025-06-13) was 7.14% and one month ago for the week of 2025-05-16, the average rate was 7.1%.

    The average rate one year ago was 6.9%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.05%.

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

    Aberdeen 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 Aberdeen level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 37 6.36% $4,662
    UNITED WHOLESALE MORTGAGE, LLC 34 5.94% $8,371
    QUICKEN LOANS, LLC 18 5.86% $12,429
    GUILD MORTGAGE COMPANY 15 6.54% $10,149
    CROSSCOUNTRY MORTGAGE, LLC 9 6.33% $10,041
    NEWREZ LLC 8 6.05% $5,081
    FREEDOM MORTGAGE CORPORATION 8 6.38% $7,370
    MOVEMENT MORTGAGE, LLC 7 6.55% $12,254
    PENNYMAC LOAN SERVICES, LLC 6 6.15% $5,846
    VILLAGE CAPITAL MORTGAGE 6 5.58% $12,497
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.68% $5,248
    MLD MORTGAGE INC. 5 6.30% $9,527
    NEW DAY FINANCIAL, LLC 5 7.27% $8,467
    NAVY FEDERAL CREDIT UNION 5 5.63% $6,364
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 6.53% $15,932
    CMG MORTGAGE, INC. 4 6.44% $11,330
    U.S. Bank 3 6.46% $9,771
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.58% $15,544
    BROKER SOLUTIONS, INC. 3 6.83% $14,330
    Flagstar Bank, FSB 2 6.19% $6,493
    1st Security Bank of Washington 2 6.06% $8,982
    MORTGAGEONE, INC. 2 6.19% $4,628
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.25% $5,441
    PHH Mortgage Corporation 2 5.81% $13,517
    PLANET HOME LENDING, LLC 2 5.99% $3,920
    The Federal Savings Bank 2 5.94% $18,035
    USAA Federal Savings Bank 2 6.13% $5,026
    HomeStreet Bank 1 6.00% $30,804
    HOMESIDE FINANCIAL, LLC 1 5.50% $12,666
    Credence Funding Corporation 1 5.13% $3,688
    CLEARPATH LENDING 1 5.63% $2,783
    NFM, INC. 1 7.25% $12,522
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.25% $6,674
    ON Q FINANCIAL, INC. 1 6.25% $2,311
    Paramount Residential Mortgage Group, Inc. 1 6.13% $7,456
    Boeing Employees Credit Union 1 6.63% $18,095
    WASHINGTON STATE EMPLOYEES Credit Union 1 6.25% $3,167
    AMERICAN FINANCING CORPORATION 1 5.75% $19,210
    BAY EQUITY LLC 1 5.49% $82
    S1L, Inc. 1 5.99% $21,223
    SOUND 1 5.88% $2,064
    Sunflower Bank 1 5.63% $35,112
    SUN WEST MORTGAGE COMPANY, INC. 1 5.88% $12,481
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.13% $7,019
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.25% $14,206
    LOANDEPOT.COM, LLC 1 6.63% $14,063
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.00% $24,004
    KeyBank 1 6.38% $3,315
    Mr. Cooper ( Nationstar Mortgage ) 1 6.25% $19,366

    The top Aberdeen VA lender as defined by loan originations is Mortgage Research Center, LLC, with 37 VA loans originated. Their average total fees are $4,662, which is $3,709 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Aberdeen VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,662), UNITED WHOLESALE MORTGAGE, LLC ($8,371), GUILD MORTGAGE COMPANY ($10,149), QUICKEN LOANS, LLC ($12,429) and .

    The lowest rate Aberdeen VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (5.86%), UNITED WHOLESALE MORTGAGE, LLC (5.94%), Mortgage Research Center, LLC (6.36%), GUILD MORTGAGE COMPANY (6.54%) and .

    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.