Aguadilla VA Loan Rates, Closing Costs & Stats
AGUADILLA-ISABELA, PR
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.
Aguadilla's 12 lenders originated 75 VA loans during 2024. The total origination value was $21,655,000, with an average VA loan value of $288,733.
Aguadilla VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Aguadilla
averaged
5.91%
for the week of 2025-04-04, compared to the national average (all VA variants) of
6.06% for the same period.
Aguadilla's average VA mortgage closing costs are $8,106.
The average rate for the prior week (2025-03-28) was
6.33% and
one month ago for the week of 2025-02-28, the
average rate was 5.91%.
The average rate one year ago was 6.42%.
For refis of the same type during the week of 2025-04-04, the average rate
was 5.86%.
Aguadilla 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 Aguadilla level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| FIRSTBANK PUERTO RICO | 19 | 5.34% | $14,304 |
| Banco Popular de Puerto Rico | 19 | 5.27% | $16,081 |
| PENTAGON FEDERAL CREDIT UNION | 17 | 5.68% | $13,013 |
| Oriental Bank | 4 | 5.19% | $10,015 |
| THE MONEY HOUSE INC. | 3 | 6.25% | $9,326 |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | 6.46% | $8,413 |
| VIG MORTGAGE CORPORATION | 2 | 6.50% | $5,517 |
| CROSSCOUNTRY MORTGAGE, LLC | 2 | 6.50% | $23,679 |
| PREFERRED MORTGAGE CORPORATION | 2 | 6.63% | $5,550 |
| E.M.I. EQUITY MORTGAGE, INC. | 1 | 5.75% | $9,455 |
| TRUST MORTGAGE, CORP | 1 | 6.00% | $6,631 |
| Equity Prime Mortgage LLC | 1 | 6.38% | $18,662 |
The top Aguadilla VA lender as defined by loan originations is FIRSTBANK PUERTO RICO, with
19 VA loans originated. Their average total fees are
$14,304, which is $1,777
lower than the next largest lender,
Banco Popular de Puerto Rico.
The lowest fee Aguadilla VA lenders (with over 10 loans originated) are
PENTAGON FEDERAL CREDIT UNION ($13,013), FIRSTBANK PUERTO RICO ($14,304), Banco Popular de Puerto Rico ($16,081), .
The lowest rate Aguadilla VA lenders (with over 10 loans originated) are
Banco Popular de Puerto Rico (5.27%), FIRSTBANK PUERTO RICO (5.34%), PENTAGON FEDERAL CREDIT UNION (5.68%), .