Corpus Christi VA Loan Rates, Closing Costs & Stats

CORPUS CHRISTI, TX

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.

Corpus Christi's 94 lenders originated 943 VA loans during 2024. The total origination value was $313,315,000, with an average VA loan value of $332,253.

Corpus Christi VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Corpus Christi averaged 6.72% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

Corpus Christi's average VA mortgage closing costs are $6,575.

The average rate for the prior week (2025-07-04) was 6.23% and one month ago for the week of 2025-06-06, the average rate was 6.71%.

The average rate one year ago was 6.43%.

For refis of the same type during the week of 2025-07-11, the average rate was 6.67%.

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

Corpus Christi 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 Corpus Christi level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Mortgage Research Center, LLC 151 6.37% $6,201
DHI MORTGAGE COMPANY, LTD. 131 5.20% $6,934
UNITED WHOLESALE MORTGAGE, LLC 83 5.91% $6,950
NAVY FEDERAL CREDIT UNION 65 6.00% $5,910
FREEDOM MORTGAGE CORPORATION 59 5.98% $7,812
EAGLE HOME MORTGAGE, LLC 39 4.39% $4,775
USAA Federal Savings Bank 25 6.41% $8,577
VILLAGE CAPITAL MORTGAGE 23 5.68% $5,089
GARDNER FINANCIAL SERVICES, LTD. 21 6.57% $10,696
QUICKEN LOANS, LLC 19 5.82% $8,239
CMG MORTGAGE, INC. 19 6.34% $10,680
PENNYMAC LOAN SERVICES, LLC 18 5.78% $8,692
CROSSCOUNTRY MORTGAGE, LLC 18 6.30% $9,388
GUILD MORTGAGE COMPANY 15 6.66% $12,555
Gateway First Bank 11 6.30% $6,464
GUARANTEED RATE, INC. 9 6.06% $9,594
MORTGAGE SOLUTIONS OF COLORADO, LLC 8 7.25% $2,497
Equity Prime Mortgage LLC 8 6.41% $15,859
BROKER SOLUTIONS, INC. 8 5.94% $12,739
DAS Acquisition Company, LLC 6 6.47% $9,906
MID AMERICA MORTGAGE, INC. 6 6.58% $27,765
NEWREZ LLC 6 6.04% $7,185
PLANET HOME LENDING, LLC 5 5.77% $4,064
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 5.84% $7,699
WILLOW BEND MORTGAGE COMPANY, LLC 5 6.55% $8,295
NBKC BANK 5 5.98% $8,207
LEGEND LENDING CORPORATION 4 6.47% $14,741
First National Bank Texas 4 6.00% $4,050
LOANDEPOT.COM, LLC 4 6.44% $16,690
Presidential Bank, FSB 4 6.41% $8,677
LAKEVIEW LOAN SERVICING, LLC 4 5.69% $5,668
GoPrime Mortgage, Inc. 4 6.31% $7,199
UNION HOME MORTGAGE CORP. 4 6.59% $8,309
NAVY ARMY COMMUNITY CREDIT UNION 3 6.21% $5,553
Network Funding, L.P. 3 5.73% $9,300
EVERETT FINANCIAL, INC. 3 6.75% $11,161
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 6.92% $4,680
First Federal Bank 3 5.71% $7,284
AmeriHome Mortgage Company, LLC 3 6.08% $7,958
Century Mortgage Company DBA Century Lending Company 3 5.96% $9,940
AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.29% $16,390
HOMESIDE FINANCIAL, LLC 2 6.50% $11,930
CORNERSTONE HOME LENDING, INC. 2 5.50% $4,199
Wells Fargo Bank 2 6.38% $4,927
SWBC MORTGAGE CORPORATION 2 5.88% $16,478
SFMC, LP 2 6.37% $6,755
LOANPEOPLE, LLC 2 6.81% $8,668
SeaTrust Mortgage Company 2 6.69% $6,881
Barrington Bank & Trust Company, N.A. 2 6.94% $2,976
Armed Forces Bank 2 6.13% $10,657
Extraco Banks 2 6.38% $9,663
Paramount Residential Mortgage Group, Inc. 2 6.19% $11,339
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.75% $4,704
MOVEMENT MORTGAGE, LLC 2 6.44% $9,017
Mr. Cooper ( Nationstar Mortgage ) 2 6.69% $4,331
DIRECTIONS EQUITY, LLC 2 6.75% $12,985
NBH Bank 1 5.99% $7,165
ALLIANT CREDIT UNION 1 5.63% $9,389
AMERICAN FINANCIAL NETWORK, INC. 1 6.13% $10,129
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 4.99% $6,067
Ameris Bank 1 6.13% $6,637
CALCON MUTUAL MORTGAGE LLC 1 6.50% $30,163
CHURCHILL MORTGAGE CORPORATION 1 6.75% $12,810
ENVOY MORTGAGE, LTD 1 6.50% $8,458
FBC MORTGAGE, LLC 1 6.75% $11,950
FIRST COMMUNITY MORTGAGE, INC. 1 5.25% $6,106
GENEVA FINANCIAL, LLC 1 7.13% $3,003
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.75% $9,796
GUARANTEED RATE AFFINITY, LLC 1 6.25% $5,784
Hamilton Mortgage Corporation 1 6.63% $8,098
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.75% $11,054
Lakeview Community Capital, LLC 1 5.25% $3,233
Mid-Continent Funding, Inc. 1 6.00% $11,288
MORTGAGE ACCESS CORP. 1 7.13% $16,877
MORTGAGE FINANCIAL SERVICES, LLC 1 6.12% $23,792
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.00% $4,525
Alcova Mortgage LLC 1 6.13% $16,517
NFM, INC. 1 6.13% $4,260
NORWICH COMMERCIAL GROUP, INC. 1 6.25% $9,336
PENTAGON FEDERAL CREDIT UNION 1 5.88% $10,531
PHH Mortgage Corporation 1 5.63% $6,061
Plains Commerce Bank 1 6.75% $7,773
PLAZA HOME MORTGAGE, INC. 1 6.50% $8,120
PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.25% $12,960
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.75% $3,337
SECURITYNATIONAL MORTGAGE COMPANY 1 7.25% $14,424
Semper Home Loans, Inc. 1 7.00% $5,262
SUMMIT FUNDING, INC. 1 6.63% $8,345
SUN WEST MORTGAGE COMPANY, INC. 1 6.50% $3,647
T2 FINANCIAL LLC 1 5.50% $11,227
The Loan Store, Inc. 1 5.75% $2,736
TOWNE MORTGAGE COMPANY 1 5.75% $16,673
U.S. Bank 1 6.13% $4,516
Watermark Capital, Inc. 1 5.13% $17,643

The top Corpus Christi VA lender as defined by loan originations is Mortgage Research Center, LLC, with 151 VA loans originated. Their average total fees are $6,201, which is $733 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

The lowest fee Corpus Christi VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($4,775), VILLAGE CAPITAL MORTGAGE ($5,089), NAVY FEDERAL CREDIT UNION ($5,910), Mortgage Research Center, LLC ($6,201) and Gateway First Bank ($6,464).

The lowest rate Corpus Christi VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.39%), DHI MORTGAGE COMPANY, LTD. (5.20%), VILLAGE CAPITAL MORTGAGE (5.68%), PENNYMAC LOAN SERVICES, LLC (5.78%) and QUICKEN LOANS, LLC (5.82%).

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.