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 6.81% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

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

    The average rate for the prior week (2025-05-16) was 6.6% and one month ago for the week of 2025-04-18, the average rate was 6.67%.

    The average rate one year ago was 6.48%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.59%.

    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%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Gulfport (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $179,000 (4.8%) $245,405 (5.0%) 0.66 2,026
    2018-02-01 $179,850 (4.1%) $242,101 (4.0%) 0.65 2,044
    2018-03-01 $186,900 (6.1%) $251,435 (6.6%) 0.66 2,087
    2018-04-01 $189,950 (5.9%) $256,140 (6.2%) 0.64 2,152
    2018-05-01 $195,475 (8.6%) $259,286 (7.2%) 0.65 2,145
    2018-06-01 $195,000 (5.5%) $262,835 (8.7%) 0.65 2,143
    2018-07-01 $194,950 (5.4%) $263,098 (8.0%) 0.65 2,109
    2018-08-01 $195,450 (7.2%) $260,073 (7.1%) 0.65 2,119
    2018-09-01 $197,500 (9.8%) $261,028 (7.4%) 0.66 2,130
    2018-10-01 $197,725 (10.5%) $258,922 (7.0%) 0.67 2,092
    2018-11-01 $190,813 (6.9%) $255,346 (5.7%) 0.65 2,107
    2018-12-01 $189,900 (6.5%) $250,887 (3.2%) 0.66 2,027
    2019-01-01 $189,950 (6.1%) $248,294 (1.2%) 0.66 1,999
    2019-02-01 $194,950 (8.4%) $252,469 (4.3%) 0.66 1,992
    2019-03-01 $195,450 (4.6%) $254,997 (1.4%) 0.64 1,996
    2019-04-01 $196,775 (3.6%) $257,035 (0.4%) 0.62 2,038
    2019-05-01 $204,375 (4.6%) $259,884 (0.2%) 0.64 2,061
    2019-06-01 $201,750 (3.5%) $258,712 (-1.6%) 0.63 2,169
    2019-07-01 $204,070 (4.7%) $261,336 (-0.7%) 0.64 2,203
    2019-08-01 $203,722 (4.2%) $263,158 (1.2%) 0.65 2,160
    2019-09-01 $201,806 (2.2%) $263,320 (0.9%) 0.65 2,098
    2019-10-01 $200,494 (1.4%) $263,428 (1.7%) 0.65 2,041
    2019-11-01 $199,900 (4.8%) $263,922 (3.4%) 0.66 2,009
    2019-12-01 $198,950 (4.8%) $260,169 (3.7%) 0.66 2,010
    2020-01-01 $198,450 (4.5%) $259,555 (4.5%) 0.66 1,858
    2020-02-01 $199,900 (2.5%) $259,363 (2.7%) 0.65 1,892
    2020-03-01 $208,950 (6.9%) $265,934 (4.3%) 0.66 1,888
    2020-04-01 $209,950 (6.7%) $265,607 (3.3%) 0.66 1,862
    2020-05-01 $215,000 (5.2%) $269,827 (3.8%) 0.65 1,685
    2020-06-01 $225,000 (11.5%) $279,844 (8.2%) 0.66 1,450
    2020-07-01 $233,505 (14.4%) $286,870 (9.8%) 0.68 1,344
    2020-08-01 $243,100 (19.3%) $294,779 (12.0%) 0.70 1,216
    2020-09-01 $246,770 (22.3%) $300,032 (13.9%) 0.71 1,158
    2020-10-01 $247,738 (23.6%) $296,993 (12.7%) 0.71 1,114
    2020-11-01 $238,900 (19.5%) $286,521 (8.6%) 0.70 1,098
    2020-12-01 $238,819 (20.0%) $286,023 (9.9%) 0.71 1,026
    2021-01-01 $239,000 (20.4%) $286,648 (10.4%) 0.71 924
    2021-02-01 $240,900 (20.5%) $297,496 (14.7%) 0.70 779
    2021-03-01 $233,950 (12.0%) $300,336 (12.9%) 0.66 750
    2021-04-01 $232,000 (10.5%) $315,325 (18.7%) 0.63 682
    2021-05-01 $234,900 (9.3%) $319,055 (18.2%) 0.62 684
    2021-06-01 $231,125 (2.7%) $327,543 (17.0%) 0.61 740
    2021-07-01 $239,000 (2.4%) $331,803 (15.7%) 0.63 837
    2021-08-01 $236,385 (-2.8%) $325,073 (10.3%) 0.63 890
    2021-09-01 $235,000 (-4.8%) $320,465 (6.8%) 0.63 912
    2021-10-01 $245,000 (-1.1%) $330,478 (11.3%) 0.65 869
    2021-11-01 $254,375 (6.5%) $341,770 (19.3%) 0.68 765
    2021-12-01 $256,213 (7.3%) $339,575 (18.7%) 0.69 728
    2022-01-01 $255,000 (6.7%) $350,187 (22.2%) 0.69 648
    2022-02-01 $269,475 (11.9%) $363,837 (22.3%) 0.70 619
    2022-03-01 $277,450 (18.6%) $358,218 (19.3%) 0.69 647
    2022-04-01 $293,900 (26.7%) $371,009 (17.7%) 0.70 700
    2022-05-01 $295,801 (25.9%) $375,197 (17.6%) 0.68 790
    2022-06-01 $297,000 (28.5%) $375,443 (14.6%) 0.66 913
    2022-07-01 $295,900 (23.8%) $368,732 (11.1%) 0.67 1,022
    2022-08-01 $289,950 (22.7%) $362,329 (11.5%) 0.67 1,107
    2022-09-01 $295,340 (25.7%) $360,217 (12.4%) 0.69 1,108
    2022-10-01 $297,500 (21.4%) $358,566 (8.5%) 0.70 1,142
    2022-11-01 $288,400 (13.4%) $354,748 (3.8%) 0.69 1,175
    2022-12-01 $279,950 (9.3%) $357,634 (5.3%) 0.69 1,106
    2023-01-01 $293,053 (14.9%) $364,710 (4.2%) 0.73 1,011
    2023-02-01 $299,178 (11.0%) $381,491 (4.9%) 0.72 983
    2023-03-01 $304,500 (9.8%) $391,521 (9.3%) 0.72 973
    2023-04-01 $315,900 (7.5%) $398,589 (7.4%) 0.73 943
    2023-05-01 $300,900 (1.7%) $392,960 (4.7%) 0.68 1,033
    2023-06-01 $297,738 (0.3%) $384,118 (2.3%) 0.67 1,103
    2023-07-01 $305,000 (3.1%) $385,308 (4.5%) 0.69 1,180
    2023-08-01 $304,950 (5.2%) $378,866 (4.6%) 0.70 1,222
    2023-09-01 $299,900 (1.5%) $371,804 (3.2%) 0.70 1,280
    2023-10-01 $289,725 (-2.6%) $360,943 (0.7%) 0.68 1,387
    2023-11-01 $295,000 (2.3%) $364,958 (2.9%) 0.70 1,500
    2023-12-01 $295,000 (5.4%) $362,112 (1.3%) 0.72 1,500
    2024-01-01 $289,238 (-1.3%) $360,407 (-1.2%) 0.71 1,483
    2024-02-01 $287,495 (-3.9%) $361,020 (-5.4%) 0.69 1,506
    2024-03-01 $289,000 (-5.1%) $365,795 (-6.6%) 0.68 1,581
    2024-04-01 $289,963 (-8.2%) $367,227 (-7.9%) 0.67 1,660
    2024-05-01 $293,462 (-2.5%) $368,275 (-6.3%) 0.67 1,782
    2024-06-01 $295,000 (-0.9%) $369,042 (-3.9%) 0.67 1,830
    2024-07-01 $293,000 (-3.9%) $367,915 (-4.5%) 0.67 1,867
    2024-08-01 $298,900 (-2.0%) $368,642 (-2.7%) 0.70 1,836
    2024-09-01 $299,000 (-0.3%) $372,122 (0.1%) 0.70 1,892
    2024-10-01 $299,000 (3.2%) $376,793 (4.4%) 0.70 1,890
    2024-11-01 $296,000 (0.3%) $373,845 (2.4%) 0.71 1,896
    2024-12-01 $296,000 (0.3%) $375,496 (3.7%) 0.74 1,787
    2025-01-01 $289,950 (0.3%) $369,991 (2.7%) 0.72 1,710
    2025-02-01 $290,450 (1.0%) $368,537 (2.1%) 0.71 1,758
    2025-03-01 $290,000 (0.4%) $370,678 (1.3%) 0.68 1,799
    2025-04-01 $296,250 (2.2%) $372,222 (1.4%) 0.69 1,888
    Gulfport's median listing price for 2025-04-01 was $296,250, a difference of $6,287 (2.2%) versus the prior year and $6,250 versus the prior month.

    Gulfport's median listing price comes in at 69% of the national average.

    Gulfport's average listing price for 2025-04-01 was $372,222, a difference of $4,995 (1.4%) versus the prior year and $1,544 versus the prior month.

    For the 2025-04-01 period, Gulfport had 1,888 MLS listings, a difference of 89 listings (5%) versus the prior month and 228 listings (14%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Gulfport (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 93 days 1,842 sqft
    2018-02-01 91 days 1,835 sqft
    2018-03-01 73 days 1,855 sqft
    2018-04-01 70 days 1,876 sqft
    2018-05-01 67 days 1,902 sqft
    2018-06-01 71 days 1,900 sqft
    2018-07-01 76 days 1,908 sqft
    2018-08-01 78 days 1,912 sqft
    2018-09-01 82 days 1,900 sqft
    2018-10-01 84 days 1,900 sqft
    2018-11-01 86 days 1,880 sqft
    2018-12-01 91 days 1,861 sqft
    2019-01-01 95 days 1,854 sqft
    2019-02-01 88 days 1,857 sqft
    2019-03-01 78 days 1,874 sqft
    2019-04-01 71 days 1,895 sqft
    2019-05-01 68 days 1,921 sqft
    2019-06-01 67 days 1,900 sqft
    2019-07-01 68 days 1,907 sqft
    2019-08-01 73 days 1,913 sqft
    2019-09-01 76 days 1,923 sqft
    2019-10-01 78 days 1,928 sqft
    2019-11-01 79 days 1,920 sqft
    2019-12-01 82 days 1,893 sqft
    2020-01-01 89 days 1,879 sqft
    2020-02-01 87 days 1,900 sqft
    2020-03-01 67 days 1,916 sqft
    2020-04-01 72 days 1,907 sqft
    2020-05-01 78 days 1,914 sqft
    2020-06-01 82 days 1,930 sqft
    2020-07-01 66 days 2,016 sqft
    2020-08-01 60 days 2,009 sqft
    2020-09-01 58 days 2,001 sqft
    2020-10-01 58 days 1,981 sqft
    2020-11-01 59 days 1,949 sqft
    2020-12-01 65 days 1,921 sqft
    2021-01-01 73 days 1,886 sqft
    2021-02-01 63 days 1,876 sqft
    2021-03-01 46 days 1,843 sqft
    2021-04-01 44 days 1,808 sqft
    2021-05-01 31 days 1,748 sqft
    2021-06-01 36 days 1,800 sqft
    2021-07-01 38 days 1,820 sqft
    2021-08-01 39 days 1,848 sqft
    2021-09-01 47 days 1,852 sqft
    2021-10-01 24 days 1,900 sqft
    2021-11-01 42 days 1,914 sqft
    2021-12-01 54 days 1,919 sqft
    2022-01-01 59 days 1,900 sqft
    2022-02-01 53 days 1,924 sqft
    2022-03-01 35 days 1,874 sqft
    2022-04-01 32 days 1,887 sqft
    2022-05-01 35 days 1,897 sqft
    2022-06-01 37 days 1,896 sqft
    2022-07-01 43 days 1,881 sqft
    2022-08-01 48 days 1,899 sqft
    2022-09-01 56 days 1,898 sqft
    2022-10-01 60 days 1,892 sqft
    2022-11-01 65 days 1,895 sqft
    2022-12-01 74 days 1,872 sqft
    2023-01-01 84 days 1,861 sqft
    2023-02-01 86 days 1,913 sqft
    2023-03-01 63 days 1,940 sqft
    2023-04-01 58 days 1,930 sqft
    2023-05-01 52 days 1,901 sqft
    2023-06-01 48 days 1,861 sqft
    2023-07-01 52 days 1,824 sqft
    2023-08-01 55 days 1,807 sqft
    2023-09-01 58 days 1,773 sqft
    2023-10-01 55 days 1,747 sqft
    2023-11-01 57 days 1,725 sqft
    2023-12-01 67 days 1,700 sqft
    2024-01-01 76 days 1,703 sqft
    2024-02-01 75 days 1,691 sqft
    2024-03-01 59 days 1,724 sqft
    2024-04-01 57 days 1,747 sqft
    2024-05-01 57 days 1,750 sqft
    2024-06-01 60 days 1,750 sqft
    2024-07-01 67 days 1,747 sqft
    2024-08-01 68 days 1,755 sqft
    2024-09-01 70 days 1,768 sqft
    2024-10-01 73 days 1,765 sqft
    2024-11-01 77 days 1,756 sqft
    2024-12-01 82 days 1,757 sqft
    2025-01-01 88 days 1,720 sqft
    2025-02-01 83 days 1,729 sqft
    2025-03-01 65 days 1,736 sqft
    2025-04-01 60 days 1,750 sqft
    Gulfport's median listing age (time on market) for 2025-04-01 was 60 days. This is 6% longer than the same period one year ago.

    Gulfport's median square footage for active listings during the 2025-04-01 period was 1,750 sqft. One year prior, the average listing was 1,747 sqft.

    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.