Bend VA Loan Rates, Closing Costs & Stats

BEND, OR

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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.

    Bend's 58 lenders originated 266 VA loans during 2024. The total origination value was $142,120,000, with an average VA loan value of $534,286.

    Bend VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Bend averaged 0.57% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Bend's average VA mortgage closing costs are $8,139.

    The average rate for the prior week (2025-06-27) was 6.8% and one month ago for the week of 2025-05-30, the average rate was 6.83%.

    The average rate one year ago was 6.74%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.17%.

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

    Bend 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 Bend level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 32 6.02% $10,492
    Mortgage Research Center, LLC 19 6.25% $6,812
    QUICKEN LOANS, LLC 15 5.85% $15,637
    LOANDEPOT.COM, LLC 15 6.26% $11,644
    GUILD MORTGAGE COMPANY 15 5.96% $15,581
    CMG MORTGAGE, INC. 14 5.92% $14,351
    NEWREZ LLC 11 6.09% $7,245
    NATIONS DIRECT MORTGAGE, LLC 10 6.01% $10,614
    NAVY FEDERAL CREDIT UNION 9 5.93% $6,039
    Century Mortgage Company DBA Century Lending Company 7 6.05% $6,188
    PENNYMAC LOAN SERVICES, LLC 6 5.60% $8,789
    The Loan Store, Inc. 6 6.43% $9,901
    GUARANTEED RATE, INC. 6 5.56% $9,726
    FREEDOM MORTGAGE CORPORATION 6 5.98% $11,339
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 5 6.65% $17,945
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 5.80% $7,902
    U.S. Bank 5 6.05% $5,233
    MOVEMENT MORTGAGE, LLC 4 6.28% $8,932
    USAA Federal Savings Bank 4 6.03% $10,271
    AMERICAN FINANCIAL RESOURCES, INC. 4 5.97% $7,469
    EAGLE HOME MORTGAGE, LLC 3 5.21% $6,264
    CROSSCOUNTRY MORTGAGE, LLC 3 6.04% $14,252
    AXIA FINANCIAL, LLC 3 6.25% $14,258
    The Federal Savings Bank 3 6.04% $19,107
    LEADERONE FINANCIAL CORPORATION 3 7.25% $7,865
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.06% $21,864
    CANOPY MORTGAGE, LLC 2 6.38% $20,683
    Commerce Home Mortgage, Inc. 2 5.75% $23,437
    Equity Prime Mortgage LLC 2 6.00% $10,849
    MASON MCDUFFIE MORTGAGE CORPORATION 2 6.44% $6,759
    PLANET HOME LENDING, LLC 2 4.06% $4,007
    Prosperity Home Mortgage, LLC 2 6.37% $9,894
    VILLAGE CAPITAL MORTGAGE 2 5.63% $10,038
    Nations Lending Corporation 1 6.25% $1,679
    LADERA LENDING, INC. 1 5.50% $4,002
    NBKC BANK 1 5.63% $21,290
    NEW DAY FINANCIAL, LLC 1 7.87% $26,018
    JPMorgan Chase Bank 1 5.49% $11,485
    JMAC LENDING, INC. 1 5.75% $5,680
    Plains Commerce Bank 1 6.00% $35,292
    VERITAS FUNDING, LLC 1 5.75% $22,633
    PLAZA HOME MORTGAGE, INC. 1 7.25% $18,983
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.13% $29,880
    Golden Empire Mortgage, Inc. 1 7.13% $34,665
    Washington Trust Bank 1 6.13% $20,901
    GENEVA FINANCIAL, LLC 1 6.25% $6,221
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.13% $24,316
    SUMMIT FUNDING, INC. 1 4.75% $15,582
    Texana Bank 1 6.00% $17,111
    CHURCHILL MORTGAGE CORPORATION 1 5.50% $32,077
    CALCON MUTUAL MORTGAGE LLC 1 3.88% $14,397
    Umpqua Bank 1 5.88% $8,727
    BROKER SOLUTIONS, INC. 1 6.50% $4,606
    Barrington Bank & Trust Company, N.A. 1 5.25% $6,425
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.25% $26,012
    LPMC, LLC 1 5.75% $4,860
    LAKEVIEW LOAN SERVICING, LLC 1 5.75% $29,152
    Lakeview Community Capital, LLC 1 5.75% $9,176

    The top Bend VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 32 VA loans originated. Their average total fees are $10,492, which is $3,680 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Bend VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($6,812), NEWREZ LLC ($7,245), UNITED WHOLESALE MORTGAGE, LLC ($10,492), NATIONS DIRECT MORTGAGE, LLC ($10,614) and LOANDEPOT.COM, LLC ($11,644).

    The lowest rate Bend VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (5.85%), CMG MORTGAGE, INC. (5.92%), GUILD MORTGAGE COMPANY (5.96%), NATIONS DIRECT MORTGAGE, LLC (6.01%) and UNITED WHOLESALE MORTGAGE, LLC (6.02%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Bend (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 $432,675 (7.7%) $606,671 (3.0%) 1.60 1,392
    2018-02-01 $436,725 (9.2%) $609,596 (5.9%) 1.59 1,367
    2018-03-01 $445,700 (5.0%) $613,474 (5.0%) 1.56 1,495
    2018-04-01 $457,725 (7.1%) $629,862 (6.6%) 1.55 1,606
    2018-05-01 $459,450 (5.7%) $629,204 (7.5%) 1.53 1,737
    2018-06-01 $474,900 (5.0%) $632,942 (3.9%) 1.58 1,879
    2018-07-01 $472,839 (3.9%) $635,692 (3.9%) 1.58 2,044
    2018-08-01 $469,900 (4.4%) $628,241 (3.9%) 1.57 2,078
    2018-09-01 $473,450 (8.8%) $631,943 (6.6%) 1.59 2,048
    2018-10-01 $466,925 (7.2%) $626,123 (5.2%) 1.58 1,927
    2018-11-01 $461,725 (5.2%) $635,430 (5.9%) 1.57 1,748
    2018-12-01 $459,979 (5.8%) $644,969 (7.7%) 1.59 1,570
    2019-01-01 $464,450 (7.3%) $652,581 (7.6%) 1.60 1,425
    2019-02-01 $469,500 (7.5%) $647,635 (6.2%) 1.59 1,386
    2019-03-01 $484,586 (8.7%) $649,952 (6.0%) 1.58 1,419
    2019-04-01 $495,500 (8.3%) $650,630 (3.3%) 1.57 1,466
    2019-05-01 $495,000 (7.7%) $654,532 (4.0%) 1.55 1,667
    2019-06-01 $489,900 (3.2%) $651,737 (3.0%) 1.53 1,971
    2019-07-01 $499,000 (5.5%) $653,218 (2.8%) 1.56 2,067
    2019-08-01 $492,455 (4.8%) $659,664 (5.0%) 1.56 2,003
    2019-09-01 $482,636 (1.9%) $652,615 (3.3%) 1.54 1,943
    2019-10-01 $478,091 (2.4%) $650,598 (3.9%) 1.54 1,855
    2019-11-01 $474,900 (2.9%) $664,538 (4.6%) 1.56 1,573
    2019-12-01 $466,750 (1.5%) $670,170 (3.9%) 1.56 1,279
    2020-01-01 $454,900 (-2.1%) $663,777 (1.7%) 1.52 1,145
    2020-02-01 $450,000 (-4.2%) $662,052 (2.2%) 1.47 1,102
    2020-03-01 $464,500 (-4.1%) $661,763 (1.8%) 1.46 1,201
    2020-04-01 $468,850 (-5.4%) $652,640 (0.3%) 1.47 1,399
    2020-05-01 $478,160 (-3.4%) $661,606 (1.1%) 1.45 1,393
    2020-06-01 $487,250 (-0.5%) $688,092 (5.6%) 1.44 1,231
    2020-07-01 $509,250 (2.1%) $709,754 (8.7%) 1.48 1,078
    2020-08-01 $499,900 (1.5%) $759,672 (15.2%) 1.43 795
    2020-09-01 $526,198 (9.0%) $773,000 (18.5%) 1.51 701
    2020-10-01 $539,900 (12.9%) $795,776 (22.3%) 1.55 597
    2020-11-01 $571,975 (20.4%) $817,671 (23.0%) 1.67 505
    2020-12-01 $552,703 (18.4%) $819,214 (22.2%) 1.64 452
    2021-01-01 $549,950 (20.9%) $848,315 (27.8%) 1.64 396
    2021-02-01 $604,925 (34.4%) $906,165 (36.9%) 1.76 365
    2021-03-01 $568,703 (22.4%) $923,899 (39.6%) 1.61 379
    2021-04-01 $624,725 (33.3%) $964,181 (47.7%) 1.69 383
    2021-05-01 $642,500 (34.4%) $934,371 (41.2%) 1.71 435
    2021-06-01 $657,500 (34.9%) $959,547 (39.5%) 1.73 557
    2021-07-01 $689,450 (35.4%) $984,800 (38.8%) 1.82 694
    2021-08-01 $678,750 (35.8%) $970,307 (27.7%) 1.81 802
    2021-09-01 $687,500 (30.7%) $962,303 (24.5%) 1.83 878
    2021-10-01 $665,000 (23.2%) $935,550 (17.6%) 1.77 887
    2021-11-01 $653,146 (14.2%) $938,349 (14.8%) 1.75 735
    2021-12-01 $668,604 (21.0%) $993,717 (21.3%) 1.81 553
    2022-01-01 $649,450 (18.1%) $988,783 (16.6%) 1.76 398
    2022-02-01 $682,425 (12.8%) $980,393 (8.2%) 1.77 382
    2022-03-01 $683,009 (20.1%) $949,619 (2.8%) 1.71 446
    2022-04-01 $699,500 (12.0%) $970,185 (0.6%) 1.67 566
    2022-05-01 $734,500 (14.3%) $985,031 (5.4%) 1.68 792
    2022-06-01 $722,225 (9.8%) $957,203 (-0.2%) 1.61 1,006
    2022-07-01 $699,900 (1.5%) $950,095 (-3.5%) 1.58 1,246
    2022-08-01 $684,700 (0.9%) $928,574 (-4.3%) 1.58 1,281
    2022-09-01 $666,907 (-3.0%) $938,722 (-2.5%) 1.56 1,268
    2022-10-01 $649,900 (-2.3%) $924,094 (-1.2%) 1.53 1,260
    2022-11-01 $637,592 (-2.4%) $920,910 (-1.9%) 1.53 1,145
    2022-12-01 $625,000 (-6.5%) $918,627 (-7.6%) 1.54 1,030
    2023-01-01 $622,200 (-4.2%) $903,852 (-8.6%) 1.54 867
    2023-02-01 $625,000 (-8.4%) $936,349 (-4.5%) 1.51 821
    2023-03-01 $636,200 (-6.9%) $943,930 (-0.6%) 1.50 847
    2023-04-01 $658,700 (-5.8%) $991,799 (2.2%) 1.53 869
    2023-05-01 $712,400 (-3.0%) $1,011,334 (2.7%) 1.62 987
    2023-06-01 $709,450 (-1.8%) $1,004,382 (4.9%) 1.59 1,102
    2023-07-01 $734,900 (5.0%) $996,724 (4.9%) 1.67 1,263
    2023-08-01 $727,000 (6.2%) $988,448 (6.5%) 1.67 1,277
    2023-09-01 $725,000 (8.7%) $968,824 (3.2%) 1.69 1,296
    2023-10-01 $699,775 (7.7%) $951,874 (3.0%) 1.65 1,253
    2023-11-01 $682,050 (7.0%) $939,114 (2.0%) 1.62 1,191
    2023-12-01 $675,000 (8.0%) $935,595 (1.9%) 1.65 1,058
    2024-01-01 $649,950 (4.5%) $909,367 (0.6%) 1.59 958
    2024-02-01 $649,950 (4.0%) $914,197 (-2.4%) 1.56 937
    2024-03-01 $659,900 (3.7%) $935,250 (-0.9%) 1.55 1,001
    2024-04-01 $699,000 (6.1%) $986,299 (-0.6%) 1.63 1,151
    2024-05-01 $724,900 (1.8%) $1,001,747 (-1.0%) 1.65 1,385
    2024-06-01 $726,788 (2.4%) $1,017,674 (1.3%) 1.65 1,608
    2024-07-01 $724,950 (-1.4%) $1,010,609 (1.4%) 1.66 1,814
    2024-08-01 $710,000 (-2.3%) $1,005,018 (1.7%) 1.65 1,844
    2024-09-01 $705,374 (-2.7%) $999,206 (3.1%) 1.66 1,789
    2024-10-01 $699,450 (-0.1%) $976,909 (2.6%) 1.65 1,687
    2024-11-01 $689,900 (1.2%) $955,768 (1.8%) 1.66 1,608
    2024-12-01 $674,069 (-0.1%) $947,021 (1.2%) 1.67 1,367
    2025-01-01 $664,499 (2.2%) $961,042 (5.7%) 1.66 1,199
    2025-02-01 $678,844 (4.5%) $965,081 (5.6%) 1.65 1,206
    2025-03-01 $699,000 (5.9%) $1,004,089 (7.4%) 1.65 1,366
    2025-04-01 $719,950 (3.0%) $1,009,745 (2.4%) 1.67 1,646
    2025-05-01 $749,000 (3.3%) $1,021,368 (2.0%) 1.70 1,983
    Bend's median listing price for 2025-05-01 was $749,000, a difference of $24,100 (3.3%) versus the prior year and $29,050 versus the prior month.

    Bend's median listing price comes in at 170% of the national average.

    Bend's average listing price for 2025-05-01 was $1,021,368, a difference of $19,621 (2.0%) versus the prior year and $11,623 versus the prior month.

    For the 2025-05-01 period, Bend had 1,983 MLS listings, a difference of 337 listings (20%) versus the prior month and 598 listings (43%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bend (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 95 days 2,024 sqft
    2018-02-01 84 days 2,010 sqft
    2018-03-01 58 days 2,015 sqft
    2018-04-01 54 days 2,030 sqft
    2018-05-01 52 days 2,043 sqft
    2018-06-01 51 days 2,040 sqft
    2018-07-01 57 days 2,039 sqft
    2018-08-01 63 days 2,030 sqft
    2018-09-01 69 days 2,051 sqft
    2018-10-01 80 days 2,028 sqft
    2018-11-01 88 days 2,025 sqft
    2018-12-01 103 days 2,021 sqft
    2019-01-01 109 days 2,033 sqft
    2019-02-01 104 days 2,040 sqft
    2019-03-01 87 days 2,039 sqft
    2019-04-01 66 days 2,046 sqft
    2019-05-01 44 days 2,058 sqft
    2019-06-01 43 days 2,072 sqft
    2019-07-01 55 days 2,075 sqft
    2019-08-01 66 days 2,062 sqft
    2019-09-01 75 days 2,034 sqft
    2019-10-01 82 days 2,023 sqft
    2019-11-01 92 days 2,032 sqft
    2019-12-01 100 days 2,029 sqft
    2020-01-01 103 days 2,023 sqft
    2020-02-01 89 days 2,005 sqft
    2020-03-01 54 days 2,021 sqft
    2020-04-01 51 days 2,009 sqft
    2020-05-01 68 days 2,023 sqft
    2020-06-01 70 days 2,046 sqft
    2020-07-01 63 days 2,054 sqft
    2020-08-01 60 days 2,038 sqft
    2020-09-01 60 days 2,009 sqft
    2020-10-01 69 days 1,981 sqft
    2020-11-01 69 days 1,990 sqft
    2020-12-01 68 days 1,945 sqft
    2021-01-01 59 days 1,959 sqft
    2021-02-01 42 days 1,994 sqft
    2021-03-01 40 days 1,943 sqft
    2021-04-01 37 days 2,016 sqft
    2021-05-01 34 days 1,948 sqft
    2021-06-01 31 days 1,983 sqft
    2021-07-01 33 days 1,996 sqft
    2021-08-01 37 days 1,982 sqft
    2021-09-01 40 days 1,990 sqft
    2021-10-01 47 days 1,960 sqft
    2021-11-01 63 days 1,924 sqft
    2021-12-01 84 days 1,957 sqft
    2022-01-01 92 days 1,920 sqft
    2022-02-01 44 days 1,919 sqft
    2022-03-01 34 days 1,940 sqft
    2022-04-01 33 days 1,962 sqft
    2022-05-01 32 days 1,991 sqft
    2022-06-01 36 days 1,996 sqft
    2022-07-01 39 days 1,971 sqft
    2022-08-01 52 days 1,962 sqft
    2022-09-01 62 days 1,944 sqft
    2022-10-01 68 days 1,927 sqft
    2022-11-01 74 days 1,914 sqft
    2022-12-01 92 days 1,908 sqft
    2023-01-01 95 days 1,921 sqft
    2023-02-01 92 days 1,902 sqft
    2023-03-01 61 days 1,908 sqft
    2023-04-01 56 days 1,927 sqft
    2023-05-01 49 days 1,981 sqft
    2023-06-01 46 days 1,998 sqft
    2023-07-01 48 days 2,026 sqft
    2023-08-01 55 days 2,010 sqft
    2023-09-01 64 days 1,991 sqft
    2023-10-01 71 days 1,984 sqft
    2023-11-01 77 days 1,963 sqft
    2023-12-01 85 days 1,953 sqft
    2024-01-01 92 days 1,930 sqft
    2024-02-01 88 days 1,933 sqft
    2024-03-01 61 days 1,930 sqft
    2024-04-01 47 days 1,946 sqft
    2024-05-01 46 days 1,962 sqft
    2024-06-01 51 days 1,987 sqft
    2024-07-01 56 days 1,969 sqft
    2024-08-01 65 days 1,976 sqft
    2024-09-01 79 days 1,998 sqft
    2024-10-01 86 days 1,977 sqft
    2024-11-01 93 days 1,941 sqft
    2024-12-01 98 days 1,933 sqft
    2025-01-01 103 days 1,940 sqft
    2025-02-01 94 days 1,938 sqft
    2025-03-01 63 days 1,960 sqft
    2025-04-01 53 days 1,964 sqft
    2025-05-01 54 days 1,995 sqft
    Bend's median listing age (time on market) for 2025-05-01 was 54 days. This is 17% longer than the same period one year ago.

    Bend's median square footage for active listings during the 2025-05-01 period was 1,995 sqft. One year prior, the average listing was 1,962 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.