Dallas VA Loan Rates, Closing Costs & Stats

Dallas-Fort Worth-Arlington, TX

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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.

    Dallas's 269 lenders originated 10,589 VA loans during 2024. The total origination value was $4,654,755,000, with an average VA loan value of $439,584.

    Dallas VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Dallas averaged 0.08% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Dallas's average VA mortgage closing costs are $7,455.

    The average rate for the prior week (2025-06-13) was 6.72% and one month ago for the week of 2025-05-16, the average rate was 6.38%.

    The average rate one year ago was 6.38%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.02%.

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

    Dallas 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 Dallas level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 1,063 5.84% $7,424
    Mortgage Research Center, LLC 962 6.32% $7,649
    DHI MORTGAGE COMPANY, LTD. 723 4.93% $7,570
    FREEDOM MORTGAGE CORPORATION 477 5.93% $8,316
    NAVY FEDERAL CREDIT UNION 337 5.84% $7,665
    LOANDEPOT.COM, LLC 260 5.89% $11,427
    QUICKEN LOANS, LLC 257 5.93% $10,685
    PENNYMAC LOAN SERVICES, LLC 242 5.55% $9,334
    EAGLE HOME MORTGAGE, LLC 239 4.52% $3,587
    SFMC, LP 231 5.99% $11,968
    CMG MORTGAGE, INC. 213 5.92% $14,516
    CROSSCOUNTRY MORTGAGE, LLC 204 6.23% $10,875
    VILLAGE CAPITAL MORTGAGE 195 5.63% $7,775
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 192 6.21% $9,723
    PRIMELENDING, A PLAINSCAPITAL COMPANY 160 6.03% $7,630
    USAA Federal Savings Bank 158 6.30% $10,559
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 155 6.35% $10,256
    GUILD MORTGAGE COMPANY 145 6.30% $11,763
    GUARANTEED RATE, INC. 143 5.97% $6,500
    HOMESIDE FINANCIAL, LLC 133 6.08% $10,409
    MORTGAGE SOLUTIONS OF COLORADO, LLC 126 7.26% $4,889
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 121 6.24% $9,471
    EVERETT FINANCIAL, INC. 121 6.36% $13,790
    PLANET HOME LENDING, LLC 116 5.96% $6,723
    NEWREZ LLC 112 5.97% $10,113
    First United Bank and Trust Company 94 6.31% $12,618
    Equity Prime Mortgage LLC 81 6.62% $10,166
    CARDINAL FINANCIAL 73 6.46% $15,068
    PULTE MORTGAGE LLC 73 5.21% $5,574
    VELOCIO MORTGAGE L.L.C. 68 5.57% $5,408
    Paramount Residential Mortgage Group, Inc. 67 6.27% $11,535
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 66 6.29% $11,719
    BROKER SOLUTIONS, INC. 62 6.23% $11,079
    Republic State Mortgage Co. 61 5.80% $9,210
    LAKEVIEW LOAN SERVICING, LLC 53 5.68% $6,707
    PRIORITY HOME MORTGAGE, L.P. 52 5.94% $5,293
    Century Mortgage Company DBA Century Lending Company 51 6.13% $6,522
    MOVEMENT MORTGAGE, LLC 48 6.11% $12,121
    Prosperity Home Mortgage, LLC 48 6.26% $12,838
    UNION HOME MORTGAGE CORP. 46 5.82% $17,527
    AmeriHome Mortgage Company, LLC 45 6.04% $6,368
    M/I FINANCIAL, LLC 45 5.75% $14,593
    FIRST CONTINENTAL MORTGAGE, LTD. 44 5.77% $6,062
    MORTGAGE FINANCIAL SERVICES, LLC 42 6.05% $15,186
    NBKC BANK 42 5.82% $7,685
    Mr. Cooper ( Nationstar Mortgage ) 41 6.04% $7,669
    First Bank 39 6.21% $13,868
    Gateway First Bank 39 6.09% $10,893
    THE MORTGAGE LINK, INC. 38 5.89% $30,345
    GUARANTEED RATE AFFINITY, LLC 38 5.99% $8,229
    Trinity Oaks Mortgage, LLC 38 6.14% $12,203
    SUN WEST MORTGAGE COMPANY, INC. 37 5.95% $8,983
    BROOKHOLLOW MORTGAGE SERVICES, LTD 36 5.84% $8,872
    CLM MORTGAGE, INC 34 5.80% $5,016
    American National Bank & Trust 34 5.93% $10,880
    CORNERSTONE HOME LENDING, INC. 33 6.30% $14,289
    PENTAGON FEDERAL CREDIT UNION 33 6.00% $9,570
    JPMorgan Chase Bank 31 5.66% $6,334
    Lakeview Community Capital, LLC 30 5.59% $6,781
    PLAZA HOME MORTGAGE, INC. 30 5.99% $9,275
    GARDNER FINANCIAL SERVICES, LTD. 28 6.22% $14,349
    AMERICAN FINANCIAL NETWORK, INC. 28 6.66% $9,618
    TOWNE MORTGAGE COMPANY 27 6.26% $11,016
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 26 5.78% $5,509
    First Federal Bank 26 5.85% $8,855
    ZILLOW HOME LOANS, LLC 25 6.11% $9,344
    Barrington Bank & Trust Company, N.A. 25 5.85% $6,767
    INSPIRE HOME LOANS INC. 24 4.96% $6,590
    First Financial Bank 24 6.12% $9,628
    Plains Commerce Bank 24 6.20% $10,936
    Flagstar Bank, FSB 24 6.20% $7,274
    MUTUAL OF OMAHA MORTGAGE, INC. 24 5.93% $12,931
    U.S. Bank 23 5.94% $11,567
    South Pacific Financial Corporation 23 5.83% $6,787
    S1L, Inc. 23 6.00% $16,247
    NATIONS RELIABLE LENDING, LLC 23 6.28% $8,550
    ENVOY MORTGAGE, LTD 21 6.38% $15,677
    The Loan Store, Inc. 20 6.21% $10,454
    SWBC MORTGAGE CORPORATION 20 6.28% $11,619
    SECURITYNATIONAL MORTGAGE COMPANY 19 6.27% $13,219
    INTEGRITY MORTGAGE CORPORATION OF TEXAS 18 6.17% $10,515
    CLEARPATH LENDING 18 5.51% $5,136
    Sierra Pacific Mortgage Company, Inc. 17 6.29% $11,375
    Carrington Mortgage Services, LLC 17 6.04% $7,620
    BAY EQUITY LLC 17 6.40% $8,355
    City Bank 16 6.25% $10,263
    Mid-Continent Funding, Inc. 16 6.03% $10,266
    American Mortgage & Equity Consultants, Inc. 16 6.13% $13,980
    Network Funding, L.P. 15 6.43% $10,476
    JET HOMELOANS, LLC 15 5.73% $12,272
    Independent Bank 15 6.03% $8,956
    CRESTMARK MORTGAGE COMPANY, LTD. 14 6.01% $10,406
    NFM, INC. 14 6.29% $14,586
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 14 6.17% $11,945
    AMERICAN PACIFIC MORTGAGE CORPORATION 14 6.17% $15,103
    PHH Mortgage Corporation 14 5.42% $6,968
    SOUTHWEST FUNDING, LP 13 6.45% $11,134
    DAS Acquisition Company, LLC 13 6.47% $9,809
    EUSTIS AND AMERICAN MORTGAGE COMPANY 13 6.35% $10,986
    T2 FINANCIAL LLC 13 6.30% $10,113
    Encompass Lending Group, LP 12 6.64% $13,317
    GoPrime Mortgage, Inc. 11 6.38% $9,109
    CANOPY MORTGAGE, LLC 11 5.99% $12,603
    Armed Forces Bank 11 5.82% $8,747
    Waterstone Mortgage Corporation 10 6.46% $13,685
    Magnolia Bank 10 5.70% $9,216
    SUMMIT FUNDING, INC. 10 6.33% $9,997
    CHURCHILL MORTGAGE CORPORATION 10 6.53% $12,376
    Sunflower Bank 10 6.05% $11,189
    PRIMARY RESIDENTIAL MORTGAGE, INC. 10 6.45% $13,111
    INTERLINC MORTGAGE SERVICES, LLC 9 6.04% $7,918
    FIRST EQUITY MORTGAGE INCORPORATED 9 5.89% $9,431
    MATTAMY HOME FUNDING, LLC 9 5.42% $6,718
    HOMEBRIDGE FINANCIAL SERVICES, INC. 9 6.29% $11,264
    Strong Home Mortgage, LLC 8 5.92% $11,254
    GENEVA FINANCIAL, LLC 8 6.53% $10,726
    Cornerstone First Mortgage, Inc 8 6.83% $7,823
    PREMIA MORTGAGE, LLC 8 5.91% $2,971
    KBHS HOME LOANS, LLC 7 5.48% $9,326
    SUCCESS MORTGAGE PARTNERS, INC. 7 6.55% $13,292
    OPEN MORTGAGE, LLC 7 6.07% $10,629
    Florida Capital Bank 7 6.32% $6,884
    MORTGAGEONE, INC. 7 7.11% $4,641
    American Mortgage Bank, LLC 7 5.77% $22,267
    FLAT BRANCH MORTGAGE, INC. 6 6.38% $8,668
    DIRECTIONS EQUITY, LLC 6 6.04% $8,053
    Watermark Capital, Inc. 6 6.10% $14,669
    WILLOW BEND MORTGAGE COMPANY, LLC 6 6.38% $8,721
    AMERICAN FINANCIAL RESOURCES, INC. 6 6.48% $3,967
    AFFORDABLE MORTGAGE ADVISORS, LLC. 6 6.65% $7,461
    MID AMERICA MORTGAGE, INC. 6 6.40% $13,894
    AXIA FINANCIAL, LLC 5 6.35% $20,447
    Alcova Mortgage LLC 5 5.57% $4,939
    Ameris Bank 5 6.20% $10,386
    Credence Funding Corporation 5 5.57% $7,364
    PACIFIC RESIDENTIAL MORTGAGE, LLC 5 6.32% $14,042
    PILGRIM MORTGAGE LLC 5 5.87% $17,630
    First Horizon Bank 5 6.40% $12,455
    Affiliated Bank 4 6.63% $13,358
    Bell Bank 4 6.31% $5,134
    First National Bank 4 5.91% $13,150
    First State Bank 4 6.03% $12,142
    Great Plains National Bank 4 6.00% $6,295
    Home Mortgage Alliance Corp 4 6.56% $18,416
    NBH Bank 4 6.66% $15,272
    TBI MORTGAGE COMPANY 4 5.97% $13,992
    Town Square Mortgage & Investments, Inc. 4 7.19% $8,183
    Vellum Mortgage, Inc. 4 5.84% $6,337
    V.I.P. MORTGAGE, INC. 4 6.56% $13,660
    INTERCAP LENDING INC. 3 5.92% $8,255
    INTELLILOAN, INC. 3 6.04% $1,749
    BancorpSouth 3 6.33% $9,905
    Truist 3 6.19% $19,188
    Bank of England 3 6.17% $11,184
    BETTER MORTGAGE CORPORATION 3 5.92% $8,931
    The Federal Savings Bank 3 6.83% $8,780
    Centennial Bank 3 6.46% $9,643
    Stride Bank 3 6.21% $10,357
    FIRST COMMUNITY MORTGAGE, INC. 3 6.62% $15,522
    Performance Financial, Inc. 3 6.08% $10,678
    NEW DAY FINANCIAL, LLC 3 6.74% $4,539
    HOMESPIRE MORTGAGE CORPORATION 3 5.67% $7,064
    JMAC LENDING, INC. 3 6.17% $11,940
    LOANPEOPLE, LLC 3 6.46% $15,110
    HOMETRUST MORTGAGE COMPANY 3 6.75% $15,512
    NATIONS DIRECT MORTGAGE, LLC 3 5.79% $10,683
    Nations Lending Corporation 3 6.42% $9,081
    Merchants Bank of Indiana 2 6.06% $16,514
    Ixonia Bank 2 7.13% $20,708
    ALLIANT CREDIT UNION 2 5.50% $5,679
    HomePromise Corporation 2 7.56% $17,565
    Granite Community Bank 2 6.00% $3,794
    North American Savings Bank, F.S.B. 2 5.88% $16,744
    NORWICH COMMERCIAL GROUP, INC. 2 6.00% $8,864
    Old National Bank 2 5.56% $11,911
    GMFS LLC 2 6.37% $13,021
    PANORAMA MORTGAGE GROUP, LLC 2 6.25% $13,088
    First National Bank Texas 2 5.94% $758
    FIRST COLONY MORTGAGE CORPORATION 2 5.44% $6,476
    PLUS RELOCATION MORTGAGE, LLC 2 6.50% $24,390
    Preston Home Loans Inc 2 7.13% $8,517
    FBC MORTGAGE, LLC 2 5.74% $9,368
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 6.44% $15,679
    ENDEAVOR CAPITAL, LLC. 2 6.56% $6,690
    RB MORTGAGE LLC 2 5.94% $14,159
    EECU 2 6.13% $6,001
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 6.18% $6,938
    Eagle Bank and Trust Company 2 5.94% $7,388
    SIRVA MORTGAGE, INC. 2 6.63% $11,587
    CLIFFCO, INC. 2 7.13% $15,787
    CITY FIRST MORTGAGE SERVICES, L.L.C. 2 5.87% $6,986
    Citizens Bank 2 6.31% $11,919
    CALCON MUTUAL MORTGAGE LLC 2 6.00% $14,080
    Wells Fargo Bank 2 6.50% $11,331
    BAYSHORE MORTGAGE FUNDING, LLC 2 6.44% $5,458
    Bank of America 2 5.25% $7,989
    UNITED MORTGAGE CORP 2 6.50% $22,813
    Arvest Bank 2 6.06% $4,494
    US MORTGAGE CORPORATION 2 6.38% $13,231
    AMERISAVE MORTGAGE CORPORATION 2 5.94% $11,677
    MEMBER FIRST MORTGAGE, LLC 2 6.13% $9,529
    FIDELITY BANK 1 6.75% $31,249
    TruHome Solutions, LLC 1 6.13% $5,997
    Midwest Mortgage Associates Corporation 1 5.75% $13,077
    Farmers Bank & Trust 1 6.38% $5,379
    Princeton Mortgage Corporation 1 5.75% $20,896
    Extraco Banks 1 6.25% $17,864
    Evolve Bank & Trust 1 5.75% $4,557
    ALLIED MORTGAGE GROUP, INC. 1 5.75% $9,806
    Loan Simple, Inc. 1 7.63% $11,505
    RANLIFE, INC. 1 6.13% $20,704
    Lincoln FSB of Nebraska 1 6.13% $2,577
    UNIVERSITY Federal Credit Union 1 4.88% $12,022
    Residential Acceptance Corporation 1 8.25% $8,403
    Residential Mortgage Solutions, Inc. 1 5.25% $5,849
    Atlantic Coast Mortgage, LLC 1 6.75% $11,848
    LOANLEADERS OF AMERICA, INC. 1 5.75% $7,643
    Sandy Spring Bank 1 5.25% $6,748
    SeaTrust Mortgage Company 1 7.13% $3,428
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.50% $12,686
    Security State Bank & Trust 1 7.13% $7,896
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.25% $8,426
    CONTOUR MORTGAGE CORPORATION 1 6.25% $9,421
    MASON MCDUFFIE MORTGAGE CORPORATION 1 5.13% $28,286
    Commercial Bank of Texas 1 6.13% $22,086
    Commerce Home Mortgage, Inc. 1 5.50% $8,059
    Leaders Credit Union 1 6.25% $7,450
    VAN DYK MORTGAGE CORPORATION 1 5.88% $7,973
    AHL FUNDING 1 6.99% $9,989
    LOANPAL, LLC 1 5.63% $11,744
    ML Mortgage Corp. 1 6.99% $16,049
    Victorian Finance, LLC 1 5.25% $24,145
    BOKF 1 6.13% $9,162
    BM Real Estate Services, Inc. 1 5.63% $4,074
    American Bank of Commerce 1 6.50% $17,814
    Texana Bank 1 7.13% $9,612
    TEXAS DOW EMPLOYEES CREDIT UNION 1 6.75% $5,723
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.99% $14,439
    Texas Mortgage Lending, LLC 1 6.63% $11,449
    Inwood National Bank 1 6.13% $13,894
    NETWORK CAPITAL FUNDING CORPORATION 1 5.63% $8,212
    MOUNTAIN WEST FINANCIAL, INC. 1 6.00% $4,483
    KeyBank 1 6.50% $5,928
    NEW FED MORTGAGE, CORP. 1 5.50% $31,804
    TEXAS TECH 1 7.00% $6,468
    NexBank 1 6.13% $3,572
    MLD MORTGAGE INC. 1 6.50% $24,980
    The Huntington National Bank 1 6.25% $12,776
    MLB RESIDENTIAL LENDING, LLC 1 6.25% $17,167
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.75% $12,122
    OCMBC, INC. 1 7.13% $3,869
    Zions Bank 1 4.88% $20,120
    ONY GLO, INC. 1 6.25% $6,879
    TIB The Independent Bankersbank 1 6.63% $6,061
    Pacific Lending LLC 1 5.13% $29,677
    GERSHMAN INVESTMENT CORP. 1 4.63% $10,301
    Towne Bank 1 6.63% $9,786
    Paramount Bank 1 6.00% $6,210
    Flanagan State Bank 1 6.63% $2,427
    First Western Trust Bank 1 6.00% $4,170
    First Option Mortgage, LLC 1 5.75% $19,162
    LADERA LENDING, INC. 1 5.50% $3,520
    BARTLETT MORTGAGE, INC. 1 5.99% $12,174
    First National Bank and Trust Company 1 6.75% $17,105
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 6.50% $17,220
    LEADERONE FINANCIAL CORPORATION 1 5.75% $6,615
    ALAMEDA MORTGAGE CORPORATION 1 6.75% $17,313
    LEGEND LENDING CORPORATION 1 6.63% $8,806
    PNC Bank 1 6.50% $8,590

    The top Dallas VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 1,063 VA loans originated. Their average total fees are $7,424, which is $225 lower than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Dallas VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($3,587), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,889), CLM MORTGAGE, INC ($5,016), CLEARPATH LENDING ($5,136) and PRIORITY HOME MORTGAGE, L.P. ($5,293).

    The lowest rate Dallas VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.52%), DHI MORTGAGE COMPANY, LTD. (4.93%), INSPIRE HOME LOANS INC. (4.96%), PULTE MORTGAGE LLC (5.21%) and PHH Mortgage Corporation (5.42%).

    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.