Bremerton VA Loan Rates, Closing Costs & Stats
BREMERTON-SILVERDALE-PORT ORCHARD, WA
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.
Bremerton's 101 lenders originated 1,418 VA
loans during 2024. The total origination value was $713,990,000, with an average VA loan value of
$503,519.
Bremerton VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Bremerton
averaged
-0.04%
for the week of 2025-06-20, compared to the national average (all VA variants) of
0% for the same period.
Bremerton's average VA mortgage closing costs are $8,624.
The average rate for the prior week (2025-06-13) was
6.4% and
one month ago for the week of 2025-05-16, the
average rate was 6.76%.
The average rate one year ago was 6.46%.
For refis of the same type during the week of 2025-06-20, the average rate
was -0.44%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
Bremerton 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 Bremerton level.
Name |
# of Loans |
2024 Avg. 30yFix Rate |
2024 Avg. Closing Costs |
UNITED WHOLESALE MORTGAGE, LLC
|
162
|
5.76%
|
$11,133
|
Mortgage Research Center, LLC
|
103
|
6.22%
|
$10,139
|
CROSSCOUNTRY MORTGAGE, LLC
|
80
|
6.27%
|
$9,448
|
DHI MORTGAGE COMPANY, LTD.
|
77
|
5.21%
|
$11,141
|
NAVY FEDERAL CREDIT UNION
|
69
|
5.84%
|
$9,690
|
QUICKEN LOANS, LLC
|
65
|
5.90%
|
$15,070
|
NBKC BANK
|
58
|
5.64%
|
$12,392
|
HOMEAMERICAN MORTGAGE CORPORATION
|
53
|
5.11%
|
$6,454
|
MOVEMENT MORTGAGE, LLC
|
46
|
6.44%
|
$13,935
|
NEWREZ LLC
|
46
|
6.01%
|
$12,075
|
PENNYMAC LOAN SERVICES, LLC
|
44
|
5.58%
|
$14,762
|
EVERGREEN MONEYSOURCE MORTGAGE COMPANY
|
36
|
6.17%
|
$17,274
|
FREEDOM MORTGAGE CORPORATION
|
36
|
6.05%
|
$12,657
|
GUILD MORTGAGE COMPANY
|
31
|
5.92%
|
$12,528
|
EAGLE HOME MORTGAGE, LLC
|
29
|
5.91%
|
$9,295
|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION
|
27
|
6.47%
|
$10,040
|
CMG MORTGAGE, INC.
|
23
|
5.87%
|
$13,206
|
BROKER SOLUTIONS, INC.
|
22
|
6.37%
|
$13,153
|
LOANDEPOT.COM, LLC
|
19
|
5.61%
|
$27,083
|
Cornerstone First Mortgage, Inc
|
17
|
5.93%
|
$14,492
|
VILLAGE CAPITAL MORTGAGE
|
15
|
5.60%
|
$10,010
|
MORTGAGE SOLUTIONS OF COLORADO, LLC
|
14
|
6.33%
|
$8,421
|
PRIMELENDING, A PLAINSCAPITAL COMPANY
|
14
|
6.40%
|
$14,606
|
INSPIRE HOME LOANS INC.
|
14
|
5.44%
|
$12,075
|
USAA Federal Savings Bank
|
13
|
6.18%
|
$14,244
|
CANOPY MORTGAGE, LLC
|
13
|
6.35%
|
$23,314
|
BAY EQUITY LLC
|
12
|
6.05%
|
$10,864
|
CORNERSTONE HOME LENDING, INC.
|
9
|
6.47%
|
$10,897
|
Mr. Cooper ( Nationstar Mortgage )
|
8
|
6.08%
|
$9,268
|
AMERICAN FINANCIAL NETWORK, INC.
|
8
|
6.22%
|
$11,114
|
The Federal Savings Bank
|
8
|
6.11%
|
$29,492
|
PLANET HOME LENDING, LLC
|
8
|
5.10%
|
$6,653
|
1st Security Bank of Washington
|
8
|
6.14%
|
$13,075
|
AMERICAN PACIFIC MORTGAGE CORPORATION
|
8
|
6.38%
|
$12,596
|
MASON MCDUFFIE MORTGAGE CORPORATION
|
8
|
6.39%
|
$16,370
|
SAMMAMISH MORTGAGE COMPANY
|
7
|
6.04%
|
$10,926
|
LAKEVIEW LOAN SERVICING, LLC
|
6
|
5.83%
|
$12,258
|
Paramount Residential Mortgage Group, Inc.
|
6
|
6.08%
|
$10,397
|
HomeStreet Bank
|
5
|
5.60%
|
$12,935
|
Umpqua Bank
|
5
|
6.15%
|
$11,145
|
Armed Forces Bank
|
5
|
5.75%
|
$3,913
|
SCENIC OAKS FUNDING, INC.
|
5
|
6.60%
|
$11,418
|
GUARANTEED RATE, INC.
|
5
|
5.95%
|
$9,619
|
NEW DAY FINANCIAL, LLC
|
5
|
7.37%
|
$12,070
|
American Mortgage & Equity Consultants, Inc.
|
4
|
6.16%
|
$12,567
|
Century Mortgage Company DBA Century Lending Company
|
4
|
5.69%
|
$5,889
|
U.S. Bank
|
4
|
6.09%
|
$19,594
|
Carrington Mortgage Services, LLC
|
3
|
5.71%
|
$11,060
|
DIRECTORS MORTGAGE, INC.
|
3
|
6.38%
|
$14,857
|
NOVA FINANCIAL & INVESTMENT CORPORATION
|
3
|
6.50%
|
$8,145
|
T2 FINANCIAL LLC
|
3
|
6.00%
|
$10,770
|
Plains Commerce Bank
|
2
|
5.63%
|
$5,921
|
AMERISAVE MORTGAGE CORPORATION
|
2
|
6.13%
|
$24,424
|
Credence Funding Corporation
|
2
|
5.44%
|
$5,689
|
Equity Prime Mortgage LLC
|
2
|
7.31%
|
$16,107
|
FIRST COLONY MORTGAGE CORPORATION
|
2
|
6.00%
|
$8,557
|
Flagstar Bank, FSB
|
2
|
5.78%
|
$11,527
|
KITSAP Credit Union
|
2
|
6.13%
|
$7,358
|
MUTUAL OF OMAHA MORTGAGE, INC.
|
2
|
5.88%
|
$25,109
|
NATIONS DIRECT MORTGAGE, LLC
|
2
|
6.00%
|
$9,165
|
NFM, INC.
|
2
|
6.38%
|
$11,325
|
PENTAGON FEDERAL CREDIT UNION
|
2
|
5.94%
|
$5,501
|
PHH Mortgage Corporation
|
2
|
4.93%
|
$4,755
|
PREMIER MORTGAGE RESOURCES, L.L.C.
|
2
|
5.94%
|
$11,345
|
PULTE MORTGAGE LLC
|
2
|
5.25%
|
$7,900
|
RESIDENTIAL MORTGAGE, LLC
|
2
|
6.37%
|
$13,096
|
SUN WEST MORTGAGE COMPANY, INC.
|
2
|
5.74%
|
$3,182
|
UNION HOME MORTGAGE CORP.
|
1
|
7.13%
|
$9,689
|
JPMorgan Chase Bank
|
1
|
5.75%
|
$500
|
NUMERICA CREDIT UNION
|
1
|
6.38%
|
$11,685
|
JMAC LENDING, INC.
|
1
|
6.75%
|
$5,072
|
PENINSULA COMMUNITY
|
1
|
6.25%
|
$5,707
|
INTELLILOAN, INC.
|
1
|
5.75%
|
$5,196
|
PENRITH HOME LOANS LLC
|
1
|
5.75%
|
$5,498
|
UNITED MORTGAGE CORP
|
1
|
5.75%
|
$6,957
|
Ameris Bank
|
1
|
6.13%
|
$15,648
|
HOMESIDE FINANCIAL, LLC
|
1
|
5.25%
|
$14,641
|
HIGHLANDS RESIDENTIAL MORTGAGE, LTD.
|
1
|
6.75%
|
$3,299
|
AMERICAN FINANCIAL RESOURCES, INC.
|
1
|
6.25%
|
$6,401
|
GUARANTEED RATE AFFINITY, LLC
|
1
|
6.18%
|
$16,230
|
ALLIED MORTGAGE GROUP, INC.
|
1
|
5.75%
|
$10,923
|
First Federal Bank
|
1
|
5.00%
|
$10,326
|
ALLIANT CREDIT UNION
|
1
|
5.75%
|
$1,916
|
ENVOY MORTGAGE, LTD
|
1
|
6.13%
|
$13,315
|
CHURCHILL MORTGAGE CORPORATION
|
1
|
6.25%
|
$7,092
|
SeaTrust Mortgage Company
|
1
|
5.75%
|
$11,696
|
Sierra Pacific Mortgage Company, Inc.
|
1
|
6.25%
|
$10,342
|
ZILLOW HOME LOANS, LLC
|
1
|
6.25%
|
$3,105
|
CARDINAL FINANCIAL
|
1
|
6.00%
|
$45,218
|
Texana Bank
|
1
|
7.38%
|
$16,486
|
The Central Trust Bank
|
1
|
6.12%
|
$5,678
|
CALCON MUTUAL MORTGAGE LLC
|
1
|
5.38%
|
$10,789
|
MOUNTAIN WEST FINANCIAL, INC.
|
1
|
6.25%
|
$18,578
|
MORTGAGEONE, INC.
|
1
|
7.00%
|
$12,040
|
Magnolia Bank
|
1
|
6.25%
|
$31,546
|
The Loan Store, Inc.
|
1
|
5.25%
|
$4,432
|
Barrington Bank & Trust Company, N.A.
|
1
|
6.75%
|
$3,299
|
LOANPAL, LLC
|
1
|
5.63%
|
$11,384
|
LEADERONE FINANCIAL CORPORATION
|
1
|
7.13%
|
$5,818
|
Lakeview Community Capital, LLC
|
1
|
5.25%
|
$5,704
|
LADERA LENDING, INC.
|
1
|
6.25%
|
$10,442
|
The top Bremerton VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
162 VA loans originated. Their average total fees are
$11,133, which is $994
higher than the next largest lender,
Mortgage Research Center, LLC.
The lowest fee Bremerton VA lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($6,454), MORTGAGE SOLUTIONS OF COLORADO, LLC ($8,421), EAGLE HOME MORTGAGE, LLC ($9,295), CROSSCOUNTRY MORTGAGE, LLC ($9,448) and NAVY FEDERAL CREDIT UNION ($9,690).
The lowest rate Bremerton VA lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION (5.11%), DHI MORTGAGE COMPANY, LTD. (5.21%), INSPIRE HOME LOANS INC. (5.44%), PENNYMAC LOAN SERVICES, LLC (5.58%) and VILLAGE CAPITAL MORTGAGE (5.60%).
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.