Houston VA Loan Rates, Closing Costs & Stats

HOUSTON-THE WOODLANDS-SUGAR LAND, 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.

    Houston's 243 lenders originated 8,266 VA loans during 2024. The total origination value was $3,158,370,000, with an average VA loan value of $382,092.

    Houston VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Houston averaged -0.06% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Houston's average VA mortgage closing costs are $6,814.

    The average rate for the prior week (2025-06-13) was 6.58% and one month ago for the week of 2025-05-16, the average rate was 6.64%.

    The average rate one year ago was 6.34%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.11%.

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

    Houston 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 Houston level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 927 6.34% $7,015
    UNITED WHOLESALE MORTGAGE, LLC 752 5.88% $7,205
    DHI MORTGAGE COMPANY, LTD. 376 4.97% $5,758
    FREEDOM MORTGAGE CORPORATION 318 5.99% $7,901
    EAGLE HOME MORTGAGE, LLC 279 4.52% $3,233
    NAVY FEDERAL CREDIT UNION 233 5.93% $6,374
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 231 5.75% $5,617
    LOANDEPOT.COM, LLC 214 5.83% $11,682
    QUICKEN LOANS, LLC 197 6.01% $11,233
    PENNYMAC LOAN SERVICES, LLC 174 5.61% $7,897
    CMG MORTGAGE, INC. 172 6.22% $12,974
    MORTGAGE SOLUTIONS OF COLORADO, LLC 162 7.19% $4,534
    VILLAGE CAPITAL MORTGAGE 136 5.63% $6,535
    CORNERSTONE HOME LENDING, INC. 115 5.94% $5,469
    CROSSCOUNTRY MORTGAGE, LLC 112 6.25% $8,731
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 109 6.29% $8,548
    GUILD MORTGAGE COMPANY 102 6.25% $12,396
    USAA Federal Savings Bank 99 6.26% $10,454
    PULTE MORTGAGE LLC 98 5.07% $4,138
    NEWREZ LLC 97 5.98% $9,074
    PRIMELENDING, A PLAINSCAPITAL COMPANY 95 6.03% $8,934
    NATIONS RELIABLE LENDING, LLC 91 6.35% $9,416
    CLM MORTGAGE, INC 89 5.88% $6,003
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 85 5.79% $4,834
    Network Funding, L.P. 83 6.03% $9,728
    INTERLINC MORTGAGE SERVICES, LLC 79 5.64% $4,863
    KBHS HOME LOANS, LLC 78 6.01% $5,811
    M/I FINANCIAL, LLC 75 5.22% $13,688
    MOVEMENT MORTGAGE, LLC 66 6.19% $9,548
    VELOCIO MORTGAGE L.L.C. 62 5.26% $3,893
    INSPIRE HOME LOANS INC. 60 5.04% $4,835
    Equity Prime Mortgage LLC 55 6.56% $8,302
    V.I.P. MORTGAGE, INC. 53 6.05% $12,225
    GUARANTEED RATE, INC. 53 6.03% $6,006
    BROKER SOLUTIONS, INC. 50 6.42% $11,190
    Gateway First Bank 46 6.31% $8,950
    Century Mortgage Company DBA Century Lending Company 46 6.10% $7,442
    T2 FINANCIAL LLC 45 6.39% $11,204
    CRESTMARK MORTGAGE COMPANY, LTD. 45 5.91% $7,355
    PLANET HOME LENDING, LLC 44 5.77% $5,403
    LAKEVIEW LOAN SERVICING, LLC 43 5.69% $5,878
    PLAZA HOME MORTGAGE, INC. 43 6.13% $9,460
    Paramount Residential Mortgage Group, Inc. 41 6.19% $9,129
    ADVISA MORTGAGE SERVICES, LTD. 41 5.96% $6,898
    Flagstar Bank, FSB 40 6.42% $12,176
    AmeriHome Mortgage Company, LLC 36 6.08% $4,781
    LEGEND LENDING CORPORATION 35 6.50% $12,998
    Lakeview Community Capital, LLC 34 5.63% $7,361
    Mr. Cooper ( Nationstar Mortgage ) 33 6.10% $7,861
    The Loan Store, Inc. 31 6.23% $12,096
    SFMC, LP 29 5.50% $12,667
    MID AMERICA MORTGAGE, INC. 28 6.33% $26,012
    GUARANTEED RATE AFFINITY, LLC 28 6.19% $7,751
    South Pacific Financial Corporation 27 5.27% $7,199
    Plains Commerce Bank 26 6.08% $10,220
    NBKC BANK 26 5.87% $9,082
    JET HOMELOANS, LLC 24 5.67% $7,572
    CARDINAL FINANCIAL 24 6.33% $14,437
    Barrington Bank & Trust Company, N.A. 24 6.39% $9,466
    SUN WEST MORTGAGE COMPANY, INC. 23 6.02% $7,671
    Carrington Mortgage Services, LLC 23 5.85% $9,942
    TOWNE MORTGAGE COMPANY 22 6.01% $13,805
    JPMorgan Chase Bank 21 5.97% $6,623
    Nations Lending Corporation 21 6.23% $8,846
    First Federal Bank 21 5.79% $7,332
    TBI MORTGAGE COMPANY 20 5.86% $4,531
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 19 6.40% $10,747
    Mid-Continent Funding, Inc. 18 5.97% $13,232
    EVERETT FINANCIAL, INC. 18 6.64% $10,668
    PENTAGON FEDERAL CREDIT UNION 18 5.91% $7,551
    MORTGAGE FINANCIAL SERVICES, LLC 18 6.15% $8,753
    HOMESIDE FINANCIAL, LLC 16 6.65% $10,406
    EUSTIS AND AMERICAN MORTGAGE COMPANY 16 6.17% $5,843
    SWBC MORTGAGE CORPORATION 15 6.33% $8,632
    DAS Acquisition Company, LLC 15 6.13% $11,140
    S1L, Inc. 15 6.26% $11,560
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 15 6.33% $8,242
    BancorpSouth 14 6.04% $12,979
    SECURITYNATIONAL MORTGAGE COMPANY 14 6.52% $10,960
    First United Bank and Trust Company 14 5.82% $11,791
    MORTGAGEONE, INC. 14 6.60% $5,577
    ENVOY MORTGAGE, LTD 13 6.26% $8,979
    SOUTHWEST FUNDING, LP 12 6.39% $8,498
    BAY EQUITY LLC 12 6.22% $10,420
    Encompass Lending Group, LP 12 6.74% $7,851
    GoPrime Mortgage, Inc. 12 6.11% $11,868
    SUCCESS MORTGAGE PARTNERS, INC. 12 6.58% $8,702
    Credence Funding Corporation 12 5.72% $6,372
    FIRST CONTINENTAL MORTGAGE, LTD. 12 5.62% $6,195
    Shea Mortgage Inc. 11 5.72% $5,267
    AFFORDABLE MORTGAGE ADVISORS, LLC. 11 6.32% $8,783
    Armed Forces Bank 11 6.27% $9,485
    Sierra Pacific Mortgage Company, Inc. 10 6.36% $8,988
    CANOPY MORTGAGE, LLC 10 6.48% $12,536
    DIRECTIONS EQUITY, LLC 10 6.00% $3,748
    UNION HOME MORTGAGE CORP. 10 6.17% $13,118
    HOMETRUST MORTGAGE COMPANY 10 6.53% $8,140
    OCMBC, INC. 9 6.69% $7,737
    AMERICAN PACIFIC MORTGAGE CORPORATION 9 6.42% $12,222
    PREMIA MORTGAGE, LLC 9 5.74% $5,696
    CITY FIRST MORTGAGE SERVICES, L.L.C. 9 6.69% $10,404
    Wells Fargo Bank 9 6.14% $6,482
    AMERICAN FINANCIAL NETWORK, INC. 9 6.62% $7,962
    Waterstone Mortgage Corporation 8 6.63% $8,468
    U.S. Bank 8 5.76% $10,154
    FBC MORTGAGE, LLC 8 5.53% $11,273
    MUTUAL OF OMAHA MORTGAGE, INC. 8 6.17% $10,955
    HOMEBRIDGE FINANCIAL SERVICES, INC. 7 6.61% $6,269
    AMERICAN FINANCIAL RESOURCES, INC. 6 6.31% $6,414
    SUMMIT FUNDING, INC. 6 5.94% $11,764
    PHH Mortgage Corporation 6 5.62% $4,971
    GARDNER FINANCIAL SERVICES, LTD. 6 6.54% $11,473
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 5 6.63% $13,046
    Strong Home Mortgage, LLC 5 5.77% $7,788
    HALLMARK HOME MORTGAGE, LLC 5 6.43% $11,655
    First Financial Bank 5 6.30% $4,858
    The Central Trust Bank 5 6.08% $10,820
    GENEVA FINANCIAL, LLC 5 6.73% $14,589
    LOANPEOPLE, LLC 5 6.12% $17,065
    CLEARPATH LENDING 5 5.70% $8,729
    PRIMARY RESIDENTIAL MORTGAGE, INC. 4 6.94% $3,289
    FIRST EQUITY MORTGAGE INCORPORATED 4 5.97% $15,690
    First National Bank Texas 4 6.69% $5,144
    Ameris Bank 4 6.09% $5,519
    CALCON MUTUAL MORTGAGE LLC 4 6.41% $5,555
    NATIONS DIRECT MORTGAGE, LLC 4 6.03% $11,843
    Goldwater Bank, N.A. 4 6.72% $8,046
    LEADERONE FINANCIAL CORPORATION 4 7.19% $11,972
    FIRST COLONY MORTGAGE CORPORATION 4 5.78% $4,586
    MORTGAGE ACCESS CORP. 3 5.79% $11,504
    Alcova Mortgage LLC 3 6.21% $7,879
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.21% $15,509
    WILLOW BEND MORTGAGE COMPANY, LLC 3 6.58% $10,716
    Integrity Home Mortgage Corp 3 6.42% $14,014
    Ixonia Bank 3 6.46% $16,214
    DSLD MORTGAGE, LLC 3 4.66% $4,062
    The Federal Savings Bank 3 6.33% $13,100
    BAYSHORE MORTGAGE FUNDING, LLC 3 5.49% $7,832
    BOKF 3 6.63% $14,639
    TEXAS DOW EMPLOYEES CREDIT UNION 3 6.50% $7,729
    Texana Bank 3 6.25% $17,777
    Sunflower Bank 3 6.46% $10,869
    First Horizon Bank 3 6.21% $14,242
    American Mortgage & Equity Consultants, Inc. 3 7.00% $5,422
    SENTE MORTGAGE, INC. 3 6.04% $9,866
    NEW DAY FINANCIAL, LLC 3 6.87% $10,169
    Commerce Home Mortgage, Inc. 3 5.79% $7,780
    NFM, INC. 3 6.88% $9,942
    CHURCHILL MORTGAGE CORPORATION 3 6.33% $15,285
    NORWICH COMMERCIAL GROUP, INC. 3 5.75% $14,153
    Presidential Bank, FSB 3 6.88% $9,745
    PREMIER MORTGAGE RESOURCES, L.L.C. 3 6.33% $13,971
    AMERISAVE MORTGAGE CORPORATION 2 6.38% $11,995
    NETWORK CAPITAL FUNDING CORPORATION 2 6.13% $15,527
    AMERICAN FINANCING CORPORATION 2 5.94% $7,654
    Extraco Banks 2 5.94% $5,520
    NEW FED MORTGAGE, CORP. 2 6.00% $11,004
    Florida Capital Bank 2 6.25% $12,153
    Independent Bank 2 5.94% $4,681
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 6.00% $14,902
    PNC Bank 2 6.75% $4,022
    Assurance Financial Group, L.L.C. 2 6.69% $9,075
    DIRECT MORTGAGE, CORP. 2 6.12% $23,645
    PILGRIM MORTGAGE LLC 2 5.87% $6,039
    Wolfe Financial, Inc 2 6.56% $14,528
    MICHIGAN MUTUAL, INC. 2 6.38% $6,590
    BETTER MORTGAGE CORPORATION 2 5.50% $11,529
    THE MORTGAGE FIRM, INC. 2 6.50% $2,588
    UMB Bank 2 6.25% $15,288
    American National Bank & Trust 2 5.88% $17,553
    Residential Mortgage Solutions, Inc. 2 5.69% $7,274
    NBH Bank 1 5.25% $7,293
    ALLIANT CREDIT UNION 1 5.75% $3,040
    ALLIED MORTGAGE GROUP, INC. 1 6.25% $6,174
    American Bank of Oklahoma 1 6.75% $7,045
    AMERICAN FEDERAL MORTGAGE CORPORATION 1 6.25% $3,631
    AMERICAN INTERNET MORTGAGE, INC. 1 5.75% $13,270
    Arvest Bank 1 6.25% $24,437
    ASSOCIATED CREDIT UNION OF TEXAS 1 7.25% $9,216
    Atlantic Coast Mortgage, LLC 1 5.49% $11,783
    Austin Bank, Texas 1 6.13% $7,159
    Bank of America 1 6.00% $11,239
    Bank of England 1 6.75% $27,973
    Capital Bank 1 6.75% $4,041
    City Bank 1 5.90% $8,108
    CityWorth Mortgage LLC 1 5.25% $14,645
    Cornerstone First Mortgage, Inc 1 6.25% $10,749
    DIRECT MORTGAGE LOANS, LLC 1 5.75% $18,928
    East Coast Capital Corp. 1 6.75% $20,091
    ENDEAVOR CAPITAL, LLC. 1 6.25% $2,566
    EVANSVILLE TEACHERS 1 7.13% $23,346
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 5.50% $20,256
    FIRST COMMUNITY MORTGAGE, INC. 1 6.49% $7,566
    GERSHMAN INVESTMENT CORP. 1 5.75% $13,918
    GMFS LLC 1 6.25% $8,415
    Granite Community Bank 1 5.75% $5,559
    Great Southern Bank 1 6.63% $11,894
    HIGHLAND HOMELOANS, LLC 1 5.88% $3,626
    HOMESPIRE MORTGAGE CORPORATION 1 6.13% $6,262
    Hometown Equity Mortgage, LLC 1 7.63% $13,494
    INFINITY EQUITY GROUP, INC. 1 6.75% $5,523
    International Bank of Commerce 1 7.25% $3,648
    JMAC LENDING, INC. 1 6.00% $12,793
    LENOX FINANCIAL MORTGAGE CORPORATION 1 5.63% $31,436
    LOANFLIGHT LENDING, LLC 1 6.13% $2,702
    Loan Simple, Inc. 1 6.99% $13,937
    Lone Star National Bank 1 6.13% $15,131
    ML Mortgage Corp. 1 7.25% $9,793
    MORIA DEVELOPMENT, INC. 1 5.75% $16,294
    MORTGAGE 1 INCORPORATED 1 6.00% $3,205
    NASA Federal Credit Union 1 6.25% $12,105
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.99% $13,571
    Acre Mortgage and Financial Inc 1 6.25% $9,409
    NexBank 1 6.63% $2,984
    North American Savings Bank, F.S.B. 1 5.75% $4,007
    Old National Bank 1 5.63% $4,488
    Origin Bank 1 6.13% $3,223
    PANORAMA MORTGAGE GROUP, LLC 1 6.25% $7,454
    Paramount Bank 1 6.25% $6,638
    Performance Financial, Inc. 1 6.13% $7,214
    Pinnacle Bank 1 5.75% $8,958
    RB MORTGAGE LLC 1 6.13% $4,298
    Regions Bank 1 5.25% $14,780
    Republic State Mortgage Co. 1 6.75% $8,799
    Residential Acceptance Corporation 1 7.25% $10,781
    Service Federal Credit Union 1 6.25% $2,472
    Servion, Inc. 1 6.63% $5,986
    ServisFirst Bank 1 6.13% $1,968
    SIRVA MORTGAGE, INC. 1 6.50% $2,363
    South State Bank 1 6.25% $11,802
    SOUTHWEST STAGE FUNDING, LLC 1 6.38% $1,641
    STAUNTON FINANCIAL, INC. 1 6.50% $8,634
    TJC Mortgage, Inc. 1 5.25% $16,369
    TOTAL MORTGAGE SERVICES, LLC 1 5.63% $15,009
    Truist 1 6.75% $20,272
    Trustmark National Bank 1 6.88% $21,437
    UNIVERSITY Federal Credit Union 1 6.38% $6,606
    US MORTGAGE CORPORATION 1 7.25% $8,030
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.00% $1,075
    VAN DYK MORTGAGE CORPORATION 1 6.13% $5,320
    Willamette Valley Bank 1 6.75% $800
    ZILLOW HOME LOANS, LLC 1 6.75% $4,498
    Zions Bank 1 5.63% $4,486

    The top Houston VA lender as defined by loan originations is Mortgage Research Center, LLC, with 927 VA loans originated. Their average total fees are $7,015, which is $190 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Houston VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($3,233), DIRECTIONS EQUITY, LLC ($3,748), VELOCIO MORTGAGE L.L.C. ($3,893), PULTE MORTGAGE LLC ($4,138) and TBI MORTGAGE COMPANY ($4,531).

    The lowest rate Houston VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.52%), DHI MORTGAGE COMPANY, LTD. (4.97%), INSPIRE HOME LOANS INC. (5.04%), PULTE MORTGAGE LLC (5.07%) and M/I FINANCIAL, LLC (5.22%).

    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.