Carson City VA Loan Rates, Closing Costs & Stats

CARSON CITY, NV

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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.

    Carson City's 30 lenders originated 84 VA loans during 2024. The total origination value was $39,490,000, with an average VA loan value of $470,119.

    Carson City VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Carson City averaged 0.1% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Carson City's average VA mortgage closing costs are $7,703.

    The average rate for the prior week (2025-06-13) was 6.35% and one month ago for the week of 2025-05-16, the average rate was 6.41%.

    The average rate one year ago was 6.61%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0%.

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

    Carson City 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 Carson City level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    EAGLE HOME MORTGAGE, LLC 14 5.09% $7,590
    UNITED WHOLESALE MORTGAGE, LLC 11 5.79% $10,190
    Mortgage Research Center, LLC 9 6.00% $11,250
    CROSSCOUNTRY MORTGAGE, LLC 4 5.03% $6,049
    USAA Federal Savings Bank 4 5.53% $11,612
    GUILD MORTGAGE COMPANY 4 6.41% $10,161
    VILLAGE CAPITAL MORTGAGE 3 5.58% $4,783
    QUICKEN LOANS, LLC 3 5.96% $15,275
    U.S. Bank 3 6.16% $9,194
    NAVY FEDERAL CREDIT UNION 2 5.75% $11,520
    CMG MORTGAGE, INC. 2 5.38% $34,450
    PENNYMAC LOAN SERVICES, LLC 2 5.13% $7,953
    GUARANTEED RATE, INC. 2 5.96% $3,452
    PENTAGON FEDERAL CREDIT UNION 2 6.06% $8,197
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.13% $5,693
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.75% $18,800
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $5,254
    BROKER SOLUTIONS, INC. 1 5.50% $2,838
    CALCON MUTUAL MORTGAGE LLC 1 5.38% $12,346
    CANOPY MORTGAGE, LLC 1 5.75% $6,105
    CLEARPATH LENDING 1 5.25% $12,281
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.50% $5,867
    Flagstar Bank, FSB 1 5.65% $1,220
    FREEDOM MORTGAGE CORPORATION 1 6.25% $24,677
    LAKEVIEW LOAN SERVICING, LLC 1 5.75% $4,725
    AMERICAN FINANCIAL NETWORK, INC. 1 6.25% $10,235
    MOVEMENT MORTGAGE, LLC 1 5.63% $1,750
    NEW DAY FINANCIAL, LLC 1 7.99% $20,656
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.13% $7,050
    SUMMIT FUNDING, INC. 1 5.75% $12,571

    The top Carson City VA lender as defined by loan originations is EAGLE HOME MORTGAGE, LLC, with 14 VA loans originated. Their average total fees are $7,590, which is $2,600 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Carson City VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($7,590), UNITED WHOLESALE MORTGAGE, LLC ($10,190), .

    The lowest rate Carson City VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.09%), UNITED WHOLESALE MORTGAGE, LLC (5.79%), .

    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.