Jacksonville VA Loan Rates, Closing Costs & Stats

JACKSONVILLE, FL

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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.

    Jacksonville's 216 lenders originated 6,827 VA loans during 2024. The total origination value was $2,659,465,000, with an average VA loan value of $389,551.

    Jacksonville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Jacksonville averaged 0.14% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Jacksonville's average VA mortgage closing costs are $7,450.

    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 6.24%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.08%.

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

    Jacksonville 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 Jacksonville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 891 5.96% $8,431
    Mortgage Research Center, LLC 681 6.18% $6,886
    DHI MORTGAGE COMPANY, LTD. 406 4.80% $5,730
    FREEDOM MORTGAGE CORPORATION 385 6.10% $11,294
    QUICKEN LOANS, LLC 347 5.98% $11,529
    NAVY FEDERAL CREDIT UNION 332 5.94% $8,045
    EAGLE HOME MORTGAGE, LLC 264 4.86% $6,602
    HOMEAMERICAN MORTGAGE CORPORATION 153 4.90% $5,894
    PULTE MORTGAGE LLC 150 5.20% $6,363
    LOANDEPOT.COM, LLC 144 5.85% $11,576
    MOVEMENT MORTGAGE, LLC 116 6.20% $12,474
    JET HOMELOANS, LLC 114 5.38% $11,039
    PENNYMAC LOAN SERVICES, LLC 110 5.76% $10,129
    CROSSCOUNTRY MORTGAGE, LLC 91 6.32% $9,517
    KBHS HOME LOANS, LLC 89 5.85% $7,163
    Bank of England 86 6.15% $11,234
    VILLAGE CAPITAL MORTGAGE 86 5.88% $7,205
    INSPIRE HOME LOANS INC. 74 5.16% $8,170
    Ameris Bank 70 5.49% $11,662
    NEW DAY FINANCIAL, LLC 64 7.66% $14,397
    NEWREZ LLC 55 6.02% $10,967
    MATTAMY HOME FUNDING, LLC 49 5.59% $9,780
    Prosperity Home Mortgage, LLC 47 6.16% $11,021
    GUILD MORTGAGE COMPANY 46 6.48% $11,783
    UNION HOME MORTGAGE CORP. 46 6.16% $11,229
    CMG MORTGAGE, INC. 46 6.18% $11,876
    USAA Federal Savings Bank 45 6.23% $10,033
    Flagstar Bank, FSB 44 6.14% $8,503
    CARDINAL FINANCIAL 43 6.32% $10,964
    PLANET HOME LENDING, LLC 40 5.82% $7,881
    MORTGAGE SOLUTIONS OF COLORADO, LLC 38 6.76% $7,033
    First Federal Bank 37 5.99% $8,946
    Paramount Residential Mortgage Group, Inc. 37 6.16% $8,109
    Equity Prime Mortgage LLC 35 6.57% $8,816
    EMM LOANS LLC 34 6.30% $15,035
    LOANPEOPLE, LLC 32 5.75% $12,406
    Carrington Mortgage Services, LLC 31 6.10% $12,281
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 31 6.21% $10,226
    BROKER SOLUTIONS, INC. 31 6.33% $15,038
    Mr. Cooper ( Nationstar Mortgage ) 30 6.23% $10,837
    LAKEVIEW LOAN SERVICING, LLC 30 5.74% $6,442
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 30 6.43% $8,762
    GUARANTEED RATE, INC. 28 5.86% $7,265
    FBC MORTGAGE, LLC 28 5.17% $8,855
    CHURCHILL MORTGAGE CORPORATION 26 6.21% $11,874
    TBI MORTGAGE COMPANY 25 5.84% $8,281
    Mid-Continent Funding, Inc. 24 6.26% $8,067
    U.S. Bank 23 6.21% $14,098
    The Federal Savings Bank 23 6.40% $21,611
    AMERICAN PACIFIC MORTGAGE CORPORATION 23 6.29% $13,497
    Lakeview Community Capital, LLC 22 5.62% $5,465
    Century Mortgage Company DBA Century Lending Company 22 6.02% $7,631
    SUN WEST MORTGAGE COMPANY, INC. 21 5.83% $7,945
    NVR Mortgage Finance, Inc. 21 5.77% $6,711
    NBKC BANK 20 5.86% $8,589
    Plains Commerce Bank 19 6.17% $12,984
    PRIMELENDING, A PLAINSCAPITAL COMPANY 19 6.47% $10,781
    Regions Bank 19 6.17% $14,273
    EVERETT FINANCIAL, INC. 18 6.88% $11,921
    PLAZA HOME MORTGAGE, INC. 17 6.21% $15,666
    NATIONS DIRECT MORTGAGE, LLC 16 5.99% $12,495
    Barrington Bank & Trust Company, N.A. 16 6.21% $7,039
    TOWNE MORTGAGE COMPANY 16 6.05% $11,042
    JMAC LENDING, INC. 15 6.11% $12,290
    CLEARPATH LENDING 15 5.77% $10,567
    RESOURCE FINANCIAL SERVICES, INC. 14 6.56% $8,573
    Network Funding, L.P. 14 6.27% $11,595
    VYSTAR 14 6.62% $11,680
    FIRST EQUITY MORTGAGE INCORPORATED 13 5.74% $11,325
    AMERISAVE MORTGAGE CORPORATION 13 5.96% $27,634
    MORTGAGEONE, INC. 12 6.57% $9,324
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 12 5.79% $8,675
    AMERICAN FINANCIAL NETWORK, INC. 12 6.02% $5,735
    AMERICAN FINANCIAL RESOURCES, INC. 11 6.56% $9,316
    HOMEBRIDGE FINANCIAL SERVICES, INC. 10 6.20% $8,868
    WATSON MORTGAGE CORP. 10 6.45% $9,684
    SWBC MORTGAGE CORPORATION 9 6.32% $10,767
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 8 6.19% $11,674
    MUTUAL OF OMAHA MORTGAGE, INC. 8 6.25% $20,162
    ZILLOW HOME LOANS, LLC 8 6.28% $9,262
    The Loan Store, Inc. 8 5.95% $10,637
    GENEVA FINANCIAL, LLC 7 6.71% $8,979
    JPMorgan Chase Bank 7 6.25% $6,836
    Keystone Funding, Inc. 7 5.63% $13,147
    NETWORK CAPITAL FUNDING CORPORATION 7 6.09% $11,830
    PHH Mortgage Corporation 7 5.05% $5,598
    Presidential Bank, FSB 7 6.50% $6,851
    SUCCESS MORTGAGE PARTNERS, INC. 7 6.66% $14,657
    THE MORTGAGE FIRM, INC. 7 6.43% $8,346
    Wells Fargo Bank 7 5.73% $17,211
    LOANPAL, LLC 6 5.73% $13,243
    AFFORDABLE MORTGAGE ADVISORS, LLC. 6 5.90% $14,679
    PREMIA MORTGAGE, LLC 6 6.07% $7,203
    Truist 6 6.09% $6,784
    FIRST COMMUNITY MORTGAGE, INC. 6 6.02% $11,997
    Magnolia Bank 6 5.81% $20,533
    Florida Capital Bank 6 6.58% $10,958
    MICHIGAN MUTUAL, INC. 5 6.23% $6,014
    NORWICH COMMERCIAL GROUP, INC. 5 6.00% $10,111
    Bell Bank 5 6.30% $6,790
    Renasant Bank 5 6.20% $13,087
    SOUTHERN TRUST MORTGAGE, LLC 5 6.33% $12,087
    Armed Forces Bank 5 5.58% $9,009
    PNC Bank 5 6.55% $4,660
    VERITAS FUNDING, LLC 5 6.13% $28,514
    MILEND, INC. 5 6.27% $20,085
    Hancock Whitney Bank 5 5.90% $10,978
    FIRST COLONY MORTGAGE CORPORATION 5 6.37% $9,130
    AMERICAN FINANCING CORPORATION 4 5.62% $16,577
    ENVOY MORTGAGE, LTD 4 6.53% $11,795
    STOCKTON MORTGAGE CORPORATION 4 6.19% $9,465
    BAY EQUITY LLC 4 6.22% $12,814
    Wolfe Financial, Inc 4 6.78% $9,838
    Towne Bank 4 6.06% $8,192
    GUARANTEED RATE AFFINITY, LLC 4 6.19% $6,610
    PENTAGON FEDERAL CREDIT UNION 4 6.00% $4,122
    ALLIED MORTGAGE GROUP, INC. 3 6.25% $5,483
    DAS Acquisition Company, LLC 3 6.71% $8,545
    STAUNTON FINANCIAL, INC. 3 6.00% $6,863
    Texana Bank 3 6.71% $11,638
    The Central Trust Bank 3 5.83% $15,830
    Nations Lending Corporation 3 6.42% $8,642
    NFM, INC. 3 6.13% $19,322
    TIDEWATER MORTGAGE SERVICES, INC. 3 6.04% $9,992
    MORTGAGE EQUITY PARTNERS LLC 3 6.71% $18,776
    HOMESIDE FINANCIAL, LLC 3 6.17% $14,565
    Capital City Home Loans, LLC 3 5.96% $10,192
    CONTOUR MORTGAGE CORPORATION 3 6.21% $14,880
    CityWorth Mortgage LLC 3 5.92% $17,444
    Summit Mortgage Corporation 3 6.42% $17,120
    DYBN FINANCIAL CORP. 2 5.69% $4,559
    TruHome Solutions, LLC 2 6.81% $10,069
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 2 7.06% $10,116
    LEADERONE FINANCIAL CORPORATION 2 6.31% $12,799
    EMBRACE HOME LOANS, INC. 2 6.75% $8,684
    UNITED MORTGAGE CORP 2 6.50% $22,533
    Cornerstone First Mortgage, Inc 2 5.75% $9,323
    University Bank 2 7.12% $8,210
    Capital Bank 2 5.50% $11,883
    Strong Home Mortgage, LLC 2 5.81% $5,048
    Ixonia Bank 2 5.75% $38,715
    VAN DYK MORTGAGE CORPORATION 2 7.06% $8,585
    INTELLILOAN, INC. 2 6.19% $3,065
    T2 FINANCIAL LLC 2 6.25% $18,453
    Alcova Mortgage LLC 2 6.38% $6,706
    GERSHMAN INVESTMENT CORP. 2 6.75% $5,030
    Stifel Bank and Trust 2 5.88% $6,376
    GoPrime Mortgage, Inc. 2 6.56% $14,300
    SOVEREIGN LENDING GROUP INCORPORATED 2 6.31% $3,056
    Mortgage Lenders Investment Trading Corporation 2 7.00% $11,275
    Waterstone Mortgage Corporation 2 6.44% $2,379
    FIRST HOME MORTGAGE CORPORATION 2 6.44% $7,112
    DIRECT MORTGAGE LOANS, LLC 2 6.19% $23,133
    Gateway First Bank 2 6.88% $7,967
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 6.44% $21,490
    HARTFORD FUNDING, LTD. 1 6.25% $7,412
    F & M Bank 1 6.50% $5,966
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 7.00% $19,179
    HOMESTEAD FUNDING CORP. 1 5.88% $2,711
    HUNT MORTGAGE CORPORATION 1 6.38% $0
    INFINITY EQUITY GROUP, INC. 1 6.63% $6,070
    INTERCOASTAL MORTGAGE COMPANY 1 6.50% $12,595
    ISERVE RESIDENTIAL LENDING, LLC 1 5.99% $29,006
    FLAT BRANCH MORTGAGE, INC. 1 6.13% $19,393
    FIRST SAVINGS MORTGAGE CORPORATION 1 5.50% $6,115
    First National Bank of Pennsylvania 1 6.63% $9,645
    KeyBank 1 5.00% $13,812
    V.I.P. MORTGAGE, INC. 1 6.75% $7,103
    LADERA LENDING, INC. 1 5.75% $13,178
    First Horizon Bank 1 6.13% $18,374
    FIRST FLORIDA Credit Union 1 6.13% $8,813
    MORIA DEVELOPMENT, INC. 1 6.13% $4,375
    Fifth Third Bank 1 6.38% $1,707
    East Coast Capital Corp. 1 7.00% $0
    M&T Bank 1 6.13% $4,797
    DIRECT MORTGAGE, CORP. 1 5.88% $40,379
    NBH Bank 1 5.75% $1,986
    DEVELOPER'S MORTGAGE COMPANY 1 6.63% $7,724
    Credence Funding Corporation 1 5.63% $3,401
    CORNERSTONE HOME LENDING, INC. 1 6.75% $6,902
    NexBank 1 6.50% $11,499
    Northeast Equitable Mortgage, LLC 1 6.13% $5,495
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.25% $1,965
    OCMBC, INC. 1 7.13% $8,217
    Old National Bank 1 5.50% $14,646
    OPEN MORTGAGE, LLC 1 5.75% $20,395
    City Lending Inc. 1 6.25% $12,864
    Citizens Bank 1 7.63% $43,315
    CASTLE & COOKE MORTGAGE, LLC 1 6.75% $3,306
    POLARIS HOME FUNDING CORP. 1 6.25% $9,135
    Princeton Mortgage Corporation 1 5.25% $9,453
    CANOPY MORTGAGE, LLC 1 6.13% $42,174
    BROOKHOLLOW MORTGAGE SERVICES, LTD 1 5.88% $7,224
    BELEM SERVICING LLC 1 5.99% $2,463
    SeaTrust Mortgage Company 1 6.75% $11,600
    Sierra Pacific Mortgage Company, Inc. 1 6.00% $10,788
    South Pacific Financial Corporation 1 4.75% $10,790
    South State Bank 1 6.75% $7,736
    Stride Bank 1 5.75% $20,384
    SUMMIT FUNDING, INC. 1 5.75% $8,809
    BAYSHORE MORTGAGE FUNDING, LLC 1 4.88% $5,511
    BANKSOUTH MORTGAGE COMPANY, LLC 1 5.25% $12,008
    TD Bank 1 6.88% $2,900
    Bank of America 1 6.75% $7,158
    BancorpSouth 1 6.25% $9,516
    THE MORTGAGE LINK, INC. 1 6.13% $16,972
    Tidewater Home Funding, LLC 1 5.25% $5,686
    AmRes Corporation 1 5.63% $35,488
    United Community Bank 1 6.25% $32,333
    AmeriHome Mortgage Company, LLC 1 5.99% $3,992
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.25% $6,816
    AMERICAN INTERNET MORTGAGE, INC. 1 5.25% $6,515
    US MORTGAGE CORPORATION 1 5.75% $12,012
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.25% $7,220
    ABSOLUTE HOME MORTGAGE CORPORATION 1 7.25% $5,871
    Franklin Loan Corporation 1 5.75% $725

    The top Jacksonville VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 891 VA loans originated. Their average total fees are $8,431, which is $1,545 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Jacksonville VA lenders (with over 10 loans originated) are Lakeview Community Capital, LLC ($5,465), DHI MORTGAGE COMPANY, LTD. ($5,730), AMERICAN FINANCIAL NETWORK, INC. ($5,735), HOMEAMERICAN MORTGAGE CORPORATION ($5,894) and PULTE MORTGAGE LLC ($6,363).

    The lowest rate Jacksonville VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.80%), EAGLE HOME MORTGAGE, LLC (4.86%), HOMEAMERICAN MORTGAGE CORPORATION (4.90%), INSPIRE HOME LOANS INC. (5.16%) and FBC MORTGAGE, LLC (5.17%).

    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.