Gulfport VA Loan Rates, Closing Costs & Stats

GULFPORT-BILOXI, MS

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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.

    Gulfport's 99 lenders originated 1,738 VA loans during 2024. The total origination value was $477,940,000, with an average VA loan value of $274,994.

    Gulfport VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Gulfport averaged 0.29% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Gulfport's average VA mortgage closing costs are $5,768.

    The average rate for the prior week (2025-06-13) was 6.74% and one month ago for the week of 2025-05-16, the average rate was 6.6%.

    The average rate one year ago was 6.79%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.27%.

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

    Gulfport 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 Gulfport level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 242 6.47% $5,227
    DHI MORTGAGE COMPANY, LTD. 172 5.03% $5,757
    CMG MORTGAGE, INC. 110 6.41% $9,593
    NAVY FEDERAL CREDIT UNION 87 5.96% $5,599
    DSLD MORTGAGE, LLC 82 5.90% $4,070
    FREEDOM MORTGAGE CORPORATION 75 6.25% $5,986
    SWBC MORTGAGE CORPORATION 73 5.90% $7,776
    QUICKEN LOANS, LLC 67 6.22% $8,753
    UNITED WHOLESALE MORTGAGE, LLC 61 6.01% $6,924
    KEESLER 41 5.43% $5,147
    PENNYMAC LOAN SERVICES, LLC 38 5.70% $6,381
    CROSSCOUNTRY MORTGAGE, LLC 36 6.43% $5,429
    NEW DAY FINANCIAL, LLC 36 7.36% $8,810
    Trustmark National Bank 35 6.31% $4,640
    MORTGAGE SOLUTIONS OF COLORADO, LLC 32 6.89% $3,584
    TOWNE MORTGAGE COMPANY 29 6.39% $9,667
    BROKER SOLUTIONS, INC. 29 6.84% $8,771
    VILLAGE CAPITAL MORTGAGE 25 5.78% $6,030
    Magnolia Bank 25 6.18% $11,058
    USAA Federal Savings Bank 25 6.31% $5,310
    FIRST COLONY MORTGAGE CORPORATION 22 6.24% $11,674
    PRIMELENDING, A PLAINSCAPITAL COMPANY 19 6.77% $5,308
    NEWREZ LLC 18 5.97% $7,431
    FBC MORTGAGE, LLC 17 5.06% $7,874
    PLANET HOME LENDING, LLC 16 5.80% $3,791
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 6.46% $6,623
    LOANDEPOT.COM, LLC 15 6.24% $7,054
    GMFS LLC 13 6.62% $4,755
    The Federal Savings Bank 12 6.05% $15,665
    AFFORDABLE MORTGAGE ADVISORS, LLC. 10 6.36% $6,433
    Mr. Cooper ( Nationstar Mortgage ) 9 6.32% $6,094
    MUTUAL OF OMAHA MORTGAGE, INC. 9 6.19% $12,161
    BancorpSouth 8 6.28% $6,453
    Flagstar Bank, FSB 8 6.17% $5,312
    LAKEVIEW LOAN SERVICING, LLC 7 6.09% $7,486
    Regions Bank 6 5.88% $15,620
    GUARANTEED RATE, INC. 6 6.40% $3,653
    Texana Bank 5 6.73% $7,241
    Barrington Bank & Trust Company, N.A. 5 6.13% $8,961
    HOMEBRIDGE FINANCIAL SERVICES, INC. 5 6.43% $2,919
    DELMAR FINANCIAL COMPANY 4 6.46% $5,088
    Hancock Whitney Bank 4 6.22% $6,873
    Merchants & Marine Bank 4 7.09% $4,491
    STOCKTON MORTGAGE CORPORATION 4 4.69% $11,905
    SUN WEST MORTGAGE COMPANY, INC. 3 5.96% $11,002
    The Loan Store, Inc. 3 6.62% $8,570
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.71% $4,948
    EUSTIS AND AMERICAN MORTGAGE COMPANY 3 6.54% $6,535
    AMERISAVE MORTGAGE CORPORATION 3 6.29% $17,200
    Equity Prime Mortgage LLC 3 7.29% $8,422
    S1L, Inc. 3 6.50% $6,558
    First Federal Bank 2 6.38% $10,411
    Truist 2 6.68% $6,250
    AmeriHome Mortgage Company, LLC 2 5.94% $5,079
    CARDINAL FINANCIAL 2 7.00% $5,012
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 5.94% $6,390
    AMERICAN FINANCIAL NETWORK, INC. 2 6.50% $9,013
    GoPrime Mortgage, Inc. 2 7.06% $5,324
    RELIANCE FIRST CAPITAL, LLC 2 5.75% $11,238
    HOMESIDE FINANCIAL, LLC 2 6.25% $8,039
    MOVEMENT MORTGAGE, LLC 2 6.63% $6,727
    Wells Fargo Bank 2 5.69% $1,376
    Mid-Continent Funding, Inc. 2 6.63% $6,774
    CHURCHILL MORTGAGE CORPORATION 2 6.19% $11,615
    Ameris Bank 2 6.13% $2,931
    NBKC BANK 2 5.81% $10,376
    Assurance Financial Group, L.L.C. 1 6.75% $11,241
    Renasant Bank 1 6.13% $7,092
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.25% $4,526
    ZILLOW HOME LOANS, LLC 1 6.63% $4,327
    T2 FINANCIAL LLC 1 6.75% $7,184
    AmRes Corporation 1 6.25% $10,803
    THE MORTGAGE FIRM, INC. 1 6.99% $4,936
    TJC Mortgage, Inc. 1 5.25% $3,628
    UNION HOME MORTGAGE CORP. 1 6.25% $14,792
    ALLIANT CREDIT UNION 1 5.38% $2,023
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.12% $4,892
    PLAZA HOME MORTGAGE, INC. 1 7.25% $9,857
    Ixonia Bank 1 6.50% $125
    Lakeview Community Capital, LLC 1 4.99% $6,428
    First Community Bank 1 6.13% $11,137
    EVERETT FINANCIAL, INC. 1 2.50% $3,853
    Midwest BankCentre 1 6.25% $6,163
    EMBRACE HOME LOANS, INC. 1 5.25% $11,422
    Community Bank of Mississippi 1 7.25% $2,430
    Commerce Bank 1 7.00% $4,782
    NASA Federal Credit Union 1 5.25% $5,561
    Carrington Mortgage Services, LLC 1 5.75% $6,159
    Northpointe Bank 1 6.75% $4,227
    NORWICH COMMERCIAL GROUP, INC. 1 5.75% $4,085
    Paramount Residential Mortgage Group, Inc. 1 6.99% $15,319
    CALCON MUTUAL MORTGAGE LLC 1 7.13% $4,099
    PENTAGON FEDERAL CREDIT UNION 1 6.25% $5,911
    BAYSHORE MORTGAGE FUNDING, LLC 1 7.12% $4,240
    GENEVA FINANCIAL, LLC 1 6.75% $174
    Presidential Bank, FSB 1 6.00% $4,340
    BankPlus 1 6.13% $2,981
    Princeton Mortgage Corporation 1 6.75% $3,986
    Bank of England 1 6.25% $9,136

    The top Gulfport VA lender as defined by loan originations is Mortgage Research Center, LLC, with 242 VA loans originated. Their average total fees are $5,227, which is $530 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Gulfport VA lenders (with over 10 loans originated) are MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,584), PLANET HOME LENDING, LLC ($3,791), DSLD MORTGAGE, LLC ($4,070), Trustmark National Bank ($4,640) and GMFS LLC ($4,755).

    The lowest rate Gulfport VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.03%), FBC MORTGAGE, LLC (5.06%), KEESLER (5.43%), PENNYMAC LOAN SERVICES, LLC (5.70%) and VILLAGE CAPITAL MORTGAGE (5.78%).

    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.