Kearney VA Loan Rates, Closing Costs & Stats
Kearney, NE
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.
Kearney's 21 lenders originated 56 VA loans during 2024. The total origination value was $17,120,000, with an average VA loan value of $305,714.
Kearney VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Kearney
averaged
0.26%
for the week of 2025-06-20, compared to the national average (all VA variants) of
0% for the same period.
Kearney's average VA mortgage closing costs are $5,450.
The average rate for the prior week (2025-06-13) was
6.81% and
one month ago for the week of 2025-05-16, the
average rate was 6.67%.
The average rate one year ago was 6.87%.
For refis of the same type during the week of 2025-06-20, the average rate
was 0.1%.
Kearney 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 Kearney level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Mortgage Research Center, LLC | 20 | 6.66% | $5,394 |
| UNITED WHOLESALE MORTGAGE, LLC | 5 | 5.55% | $11,289 |
| Pinnacle Bank | 3 | 5.96% | $2,679 |
| First National Bank of Omaha | 3 | 6.75% | $1,844 |
| QUICKEN LOANS, LLC | 3 | 5.91% | $7,042 |
| The Federal Savings Bank | 3 | 6.58% | $11,588 |
| NEWREZ LLC | 2 | 6.12% | $5,051 |
| CHARTER WEST BANK | 2 | 6.44% | $3,997 |
| PENNYMAC LOAN SERVICES, LLC | 2 | 5.56% | $4,153 |
| PNC Bank | 1 | 6.75% | $10,247 |
| VILLAGE CAPITAL MORTGAGE | 1 | 6.25% | $10,892 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 6.63% | $920 |
| West Gate Bank | 1 | 5.38% | $2,807 |
| Armed Forces Bank | 1 | 6.25% | $2,061 |
| CASTLE & COOKE MORTGAGE, LLC | 1 | 6.63% | $3,840 |
| FREEDOM MORTGAGE CORPORATION | 1 | 7.00% | $17,757 |
| LAKEVIEW LOAN SERVICING, LLC | 1 | 5.99% | $3,380 |
| LOANDEPOT.COM, LLC | 1 | 5.99% | $5,575 |
| Magnolia Bank | 1 | 5.25% | $33,676 |
| NEW DAY FINANCIAL, LLC | 1 | 7.25% | $10,035 |
| PLANET HOME LENDING, LLC | 1 | 6.38% | $932 |
The top Kearney VA lender as defined by loan originations is Mortgage Research Center, LLC, with
20 VA loans originated. Their average total fees are
$5,394, which is $5,895
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Kearney VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC ($5,394), .
The lowest rate Kearney VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC (6.66%), .