Lake Havasu City VA Loan Rates, Closing Costs & Stats

LAKE HAVASU CITY-KINGMAN, AZ

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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.

    Lake Havasu City's 93 lenders originated 814 VA loans during 2024. The total origination value was $250,590,000, with an average VA loan value of $307,850.

    Lake Havasu City VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Lake Havasu City averaged 7.06% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

    Lake Havasu City's average VA mortgage closing costs are $6,247.

    The average rate for the prior week (2025-07-04) was 6.67% and one month ago for the week of 2025-06-06, the average rate was 7.24%.

    The average rate one year ago was 7.06%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.44%.

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

    Lake Havasu City 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 Lake Havasu City level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 136 5.97% $6,827
    Mortgage Research Center, LLC 98 6.42% $6,619
    QUICKEN LOANS, LLC 61 6.01% $9,515
    FREEDOM MORTGAGE CORPORATION 45 6.06% $8,917
    BROKER SOLUTIONS, INC. 33 6.51% $10,622
    Flagstar Bank, FSB 27 6.46% $4,457
    AMERICAN PACIFIC MORTGAGE CORPORATION 23 6.50% $9,655
    PENNYMAC LOAN SERVICES, LLC 22 5.85% $10,793
    NAVY FEDERAL CREDIT UNION 20 5.81% $3,923
    INSPIRE HOME LOANS INC. 18 5.83% $7,365
    VILLAGE CAPITAL MORTGAGE 18 5.61% $5,912
    AMERICAN FINANCIAL NETWORK, INC. 16 6.05% $8,063
    GUILD MORTGAGE COMPANY 15 6.44% $8,752
    SUN WEST MORTGAGE COMPANY, INC. 13 6.08% $7,672
    NEW DAY FINANCIAL, LLC 10 7.71% $12,100
    LAKEVIEW LOAN SERVICING, LLC 10 5.96% $6,521
    LOANDEPOT.COM, LLC 9 6.31% $9,488
    MASON MCDUFFIE MORTGAGE CORPORATION 9 6.36% $7,448
    SUN AMERICAN MORTGAGE COMPANY 8 6.34% $8,231
    USAA Federal Savings Bank 8 6.28% $6,732
    CLEARPATH LENDING 8 5.53% $7,955
    GENEVA FINANCIAL, LLC 7 6.21% $6,534
    PLANET HOME LENDING, LLC 7 5.89% $2,680
    PRIMELENDING, A PLAINSCAPITAL COMPANY 7 6.38% $4,928
    Equity Prime Mortgage LLC 6 7.02% $5,152
    The Loan Store, Inc. 6 6.33% $7,336
    CMG MORTGAGE, INC. 6 6.33% $9,899
    MORTGAGE SOLUTIONS OF COLORADO, LLC 6 6.54% $4,573
    LOANPAL, LLC 5 5.98% $12,207
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.83% $6,755
    PHH Mortgage Corporation 4 5.56% $6,041
    CASTLE & COOKE MORTGAGE, LLC 4 6.44% $4,611
    GUARANTEED RATE, INC. 4 6.09% $5,443
    Barrington Bank & Trust Company, N.A. 4 6.50% $10,592
    The Federal Savings Bank 4 6.31% $12,443
    US MORTGAGE CORPORATION 4 6.66% $5,693
    LEADERONE FINANCIAL CORPORATION 4 7.19% $5,564
    NOVA FINANCIAL & INVESTMENT CORPORATION 4 6.44% $7,705
    NEWREZ LLC 4 5.81% $9,357
    FBC MORTGAGE, LLC 4 6.31% $10,231
    PRIMARY RESIDENTIAL MORTGAGE, INC. 3 6.33% $9,213
    CROSSCOUNTRY MORTGAGE, LLC 3 6.42% $3,243
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.66% $3,039
    PACIFIC RESIDENTIAL MORTGAGE, LLC 3 6.79% $6,913
    SUMMIT FUNDING, INC. 3 7.21% $4,547
    NETWORK CAPITAL FUNDING CORPORATION 2 6.19% $2,115
    Keystone Funding, Inc. 2 6.06% $5,889
    Mr. Cooper ( Nationstar Mortgage ) 2 5.75% $5,784
    Glacier Bank 2 6.56% $5,672
    GARDNER FINANCIAL SERVICES, LTD. 2 6.00% $17,219
    First Western Trust Bank 2 6.50% $6,771
    OCMBC, INC. 2 6.50% $5,037
    AMERICAN FINANCIAL RESOURCES, INC. 2 7.06% $3,579
    Paramount Residential Mortgage Group, Inc. 2 6.94% $15,060
    Prosperity Home Mortgage, LLC 2 5.94% $7,611
    Carrington Mortgage Services, LLC 2 6.63% $11,246
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 6.94% $4,309
    Sierra Pacific Mortgage Company, Inc. 2 6.13% $7,470
    V.I.P. MORTGAGE, INC. 2 6.75% $7,746
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.13% $8,121
    AMERISAVE MORTGAGE CORPORATION 2 5.75% $13,740
    UNION HOME MORTGAGE CORP. 2 5.75% $4,077
    U.S. Bank 2 6.38% $5,626
    Lakeview Community Capital, LLC 2 5.38% $6,452
    American Mortgage & Equity Consultants, Inc. 1 7.25% $11,124
    First National Bank Texas 1 7.25% $3,458
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.50% $8,395
    Plains Commerce Bank 1 6.75% $9,077
    DIRECT MORTGAGE LOANS, LLC 1 6.13% $5,317
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 5.63% $3,293
    ALTITUDE FINANCIAL CORPORATION 1 6.75% $850
    CITYWIDE HOME LOANS, LLC 1 6.75% $12,967
    LADERA LENDING, INC. 1 5.75% $4,674
    TJC Mortgage, Inc. 1 5.75% $11,984
    RELIANCE FIRST CAPITAL, LLC 1 7.75% $3,182
    Umpqua Bank 1 6.63% $6,656
    GUARANTEED RATE AFFINITY, LLC 1 6.99% $1,100
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.75% $8,240
    MOUNTAIN AMERICA 1 6.00% $3,272
    MOVEMENT MORTGAGE, LLC 1 6.63% $5,946
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.75% $5,880
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.13% $10,190
    NATIONS DIRECT MORTGAGE, LLC 1 6.63% $6,766
    Nations Lending Corporation 1 6.13% $16,042
    AMERICAN FINANCING CORPORATION 1 7.25% $12,211
    NBKC BANK 1 5.38% $13,415
    Magnolia Bank 1 6.00% $5,335
    AmeriHome Mortgage Company, LLC 1 5.99% $9,485
    Franklin Loan Corporation 1 6.50% $13,739
    BOKF 1 7.63% $8,115
    Sunflower Bank 1 5.99% $18,942
    ONY GLO, INC. 1 6.63% $7,414
    AXIA FINANCIAL, LLC 1 6.75% $5,837

    The top Lake Havasu City VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 136 VA loans originated. Their average total fees are $6,827, which is $208 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Lake Havasu City VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($3,923), Flagstar Bank, FSB ($4,457), VILLAGE CAPITAL MORTGAGE ($5,912), LAKEVIEW LOAN SERVICING, LLC ($6,521) and Mortgage Research Center, LLC ($6,619).

    The lowest rate Lake Havasu City VA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (5.61%), NAVY FEDERAL CREDIT UNION (5.81%), INSPIRE HOME LOANS INC. (5.83%), PENNYMAC LOAN SERVICES, LLC (5.85%) and LAKEVIEW LOAN SERVICING, LLC (5.96%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Lake Havasu City (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 $249,900 (3.5%) $319,301 (8.4%) 0.93 1,242
    2018-02-01 $255,425 (3.6%) $326,013 (8.8%) 0.93 1,345
    2018-03-01 $259,900 (5.2%) $327,712 (7.5%) 0.91 1,210
    2018-04-01 $263,900 (6.5%) $333,048 (7.8%) 0.89 1,198
    2018-05-01 $275,000 (10.0%) $337,480 (8.1%) 0.92 1,114
    2018-06-01 $284,900 (10.0%) $341,023 (8.5%) 0.95 1,046
    2018-07-01 $289,975 (12.0%) $348,570 (10.7%) 0.97 1,012
    2018-08-01 $279,950 (10.0%) $340,334 (9.2%) 0.94 1,010
    2018-09-01 $283,450 (13.4%) $346,918 (11.6%) 0.95 1,064
    2018-10-01 $283,200 (11.2%) $345,157 (9.3%) 0.96 1,141
    2018-11-01 $283,950 (11.4%) $347,492 (9.1%) 0.96 1,228
    2018-12-01 $279,000 (9.5%) $343,805 (8.2%) 0.96 1,217
    2019-01-01 $280,575 (12.3%) $348,930 (9.3%) 0.97 1,218
    2019-02-01 $289,250 (13.2%) $358,558 (10.0%) 0.98 1,285
    2019-03-01 $293,571 (13.0%) $363,147 (10.8%) 0.96 1,284
    2019-04-01 $298,321 (13.0%) $369,759 (11.0%) 0.95 1,261
    2019-05-01 $299,450 (8.9%) $369,103 (9.4%) 0.94 1,247
    2019-06-01 $301,000 (5.7%) $376,185 (10.3%) 0.94 1,183
    2019-07-01 $305,000 (5.2%) $374,816 (7.5%) 0.95 1,156
    2019-08-01 $306,155 (9.4%) $377,343 (10.9%) 0.97 1,162
    2019-09-01 $313,886 (10.7%) $384,292 (10.8%) 1.00 1,147
    2019-10-01 $321,630 (13.6%) $388,925 (12.7%) 1.04 1,137
    2019-11-01 $319,900 (12.7%) $382,869 (10.2%) 1.05 1,113
    2019-12-01 $322,200 (15.5%) $387,554 (12.7%) 1.07 1,085
    2020-01-01 $324,950 (15.8%) $391,840 (12.3%) 1.09 1,091
    2020-02-01 $325,000 (12.4%) $391,727 (9.3%) 1.06 1,021
    2020-03-01 $324,950 (10.7%) $391,943 (7.9%) 1.02 996
    2020-04-01 $311,950 (4.6%) $378,462 (2.4%) 0.98 1,075
    2020-05-01 $305,000 (1.9%) $377,263 (2.2%) 0.93 1,012
    2020-06-01 $299,900 (-0.4%) $383,843 (2.0%) 0.88 810
    2020-07-01 $322,400 (5.7%) $393,680 (5.0%) 0.93 674
    2020-08-01 $325,000 (6.2%) $401,617 (6.4%) 0.93 636
    2020-09-01 $333,750 (6.3%) $418,161 (8.8%) 0.96 593
    2020-10-01 $344,900 (7.2%) $427,707 (10.0%) 0.99 597
    2020-11-01 $343,650 (7.4%) $429,091 (12.1%) 1.00 607
    2020-12-01 $342,225 (6.2%) $428,867 (10.7%) 1.02 531
    2021-01-01 $334,500 (2.9%) $437,781 (11.7%) 1.00 484
    2021-02-01 $342,400 (5.4%) $450,550 (15.0%) 1.00 401
    2021-03-01 $349,950 (7.7%) $451,091 (15.1%) 0.99 363
    2021-04-01 $369,200 (18.4%) $480,715 (27.0%) 1.00 386
    2021-05-01 $398,000 (30.5%) $497,608 (31.9%) 1.06 374
    2021-06-01 $412,450 (37.5%) $523,777 (36.5%) 1.09 404
    2021-07-01 $402,500 (24.8%) $508,619 (29.2%) 1.06 490
    2021-08-01 $399,950 (23.1%) $495,614 (23.4%) 1.07 544
    2021-09-01 $399,000 (19.6%) $490,209 (17.2%) 1.06 613
    2021-10-01 $409,950 (18.9%) $490,393 (14.7%) 1.09 668
    2021-11-01 $399,750 (16.3%) $483,933 (12.8%) 1.07 657
    2021-12-01 $395,950 (15.7%) $472,933 (10.3%) 1.07 574
    2022-01-01 $425,450 (27.2%) $508,148 (16.1%) 1.15 510
    2022-02-01 $433,450 (26.6%) $503,147 (11.7%) 1.13 424
    2022-03-01 $444,700 (27.1%) $509,454 (12.9%) 1.11 428
    2022-04-01 $450,000 (21.9%) $541,733 (12.7%) 1.07 492
    2022-05-01 $442,450 (11.2%) $542,256 (9.0%) 1.01 707
    2022-06-01 $427,000 (3.5%) $531,902 (1.6%) 0.95 887
    2022-07-01 $425,000 (5.6%) $522,095 (2.7%) 0.96 1,133
    2022-08-01 $424,900 (6.2%) $514,001 (3.7%) 0.98 1,251
    2022-09-01 $419,450 (5.1%) $498,285 (1.7%) 0.98 1,274
    2022-10-01 $419,900 (2.4%) $493,599 (0.7%) 0.99 1,295
    2022-11-01 $412,450 (3.2%) $486,873 (0.6%) 0.99 1,343
    2022-12-01 $405,000 (2.3%) $477,606 (1.0%) 1.00 1,255
    2023-01-01 $404,353 (-5.0%) $485,315 (-4.5%) 1.00 1,157
    2023-02-01 $404,626 (-6.7%) $486,009 (-3.4%) 0.98 1,081
    2023-03-01 $405,000 (-8.9%) $492,445 (-3.3%) 0.96 1,018
    2023-04-01 $416,000 (-7.6%) $515,899 (-4.8%) 0.97 964
    2023-05-01 $424,925 (-4.0%) $540,535 (-0.3%) 0.96 908
    2023-06-01 $417,541 (-2.2%) $529,523 (-0.5%) 0.94 883
    2023-07-01 $420,000 (-1.2%) $529,842 (1.5%) 0.95 867
    2023-08-01 $423,110 (-0.4%) $518,203 (0.8%) 0.97 866
    2023-09-01 $419,900 (0.1%) $536,615 (7.7%) 0.98 937
    2023-10-01 $419,900 (0.0%) $544,408 (10.3%) 0.99 1,022
    2023-11-01 $417,450 (1.2%) $548,029 (12.6%) 0.99 1,100
    2023-12-01 $419,000 (3.5%) $540,845 (13.2%) 1.02 1,059
    2024-01-01 $426,533 (5.5%) $553,866 (14.1%) 1.04 1,023
    2024-02-01 $429,450 (6.1%) $560,234 (15.3%) 1.03 1,052
    2024-03-01 $425,000 (4.9%) $553,910 (12.5%) 1.00 1,107
    2024-04-01 $423,534 (1.8%) $573,979 (11.3%) 0.99 1,075
    2024-05-01 $429,900 (1.2%) $572,151 (5.9%) 0.98 1,138
    2024-06-01 $420,000 (0.6%) $555,987 (5.0%) 0.95 1,154
    2024-07-01 $410,741 (-2.2%) $533,129 (0.6%) 0.94 1,155
    2024-08-01 $409,000 (-3.3%) $532,443 (2.8%) 0.95 1,173
    2024-09-01 $408,175 (-2.8%) $533,783 (-0.5%) 0.96 1,206
    2024-10-01 $404,975 (-3.6%) $535,530 (-1.6%) 0.95 1,244
    2024-11-01 $408,000 (-2.3%) $539,790 (-1.5%) 0.98 1,356
    2024-12-01 $399,937 (-4.6%) $543,664 (0.5%) 0.99 1,316
    2025-01-01 $416,338 (-2.4%) $550,172 (-0.7%) 1.04 1,281
    2025-02-01 $419,950 (-2.2%) $560,164 (0.0%) 1.02 1,318
    2025-03-01 $420,000 (-1.2%) $564,603 (1.9%) 0.99 1,362
    2025-04-01 $420,000 (-0.8%) $566,983 (-1.2%) 0.97 1,448
    2025-05-01 $420,000 (-2.3%) $563,784 (-1.5%) 0.95 1,490
    2025-06-01 $419,425 (-0.1%) $550,909 (-0.9%) 0.95 1,486
    Lake Havasu City's median listing price for 2025-06-01 was $419,425, a difference of $-575 (-0.1%) versus the prior year and $-575 versus the prior month.

    Lake Havasu City's median listing price comes in at 95% of the national average.

    Lake Havasu City's average listing price for 2025-06-01 was $550,909, a difference of $-5,078 (-0.9%) versus the prior year and $-12,875 versus the prior month.

    For the 2025-06-01 period, Lake Havasu City had 1,486 MLS listings, a difference of -4 listings (0%) versus the prior month and 332 listings (29%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Lake Havasu City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 78 days 1,714 sqft
    2018-02-01 75 days 1,711 sqft
    2018-03-01 66 days 1,713 sqft
    2018-04-01 70 days 1,720 sqft
    2018-05-01 62 days 1,728 sqft
    2018-06-01 67 days 1,761 sqft
    2018-07-01 81 days 1,772 sqft
    2018-08-01 62 days 1,747 sqft
    2018-09-01 56 days 1,754 sqft
    2018-10-01 57 days 1,755 sqft
    2018-11-01 58 days 1,746 sqft
    2018-12-01 65 days 1,724 sqft
    2019-01-01 74 days 1,732 sqft
    2019-02-01 72 days 1,737 sqft
    2019-03-01 64 days 1,747 sqft
    2019-04-01 63 days 1,758 sqft
    2019-05-01 61 days 1,747 sqft
    2019-06-01 66 days 1,774 sqft
    2019-07-01 72 days 1,786 sqft
    2019-08-01 72 days 1,797 sqft
    2019-09-01 71 days 1,804 sqft
    2019-10-01 71 days 1,808 sqft
    2019-11-01 70 days 1,790 sqft
    2019-12-01 79 days 1,780 sqft
    2020-01-01 79 days 1,797 sqft
    2020-02-01 79 days 1,804 sqft
    2020-03-01 65 days 1,783 sqft
    2020-04-01 61 days 1,728 sqft
    2020-05-01 68 days 1,720 sqft
    2020-06-01 77 days 1,716 sqft
    2020-07-01 63 days 1,731 sqft
    2020-08-01 60 days 1,721 sqft
    2020-09-01 58 days 1,720 sqft
    2020-10-01 49 days 1,724 sqft
    2020-11-01 49 days 1,710 sqft
    2020-12-01 51 days 1,745 sqft
    2021-01-01 55 days 1,709 sqft
    2021-02-01 45 days 1,700 sqft
    2021-03-01 37 days 1,743 sqft
    2021-04-01 31 days 1,759 sqft
    2021-05-01 35 days 1,743 sqft
    2021-06-01 34 days 1,738 sqft
    2021-07-01 35 days 1,722 sqft
    2021-08-01 34 days 1,701 sqft
    2021-09-01 35 days 1,713 sqft
    2021-10-01 41 days 1,720 sqft
    2021-11-01 44 days 1,719 sqft
    2021-12-01 53 days 1,715 sqft
    2022-01-01 63 days 1,737 sqft
    2022-02-01 50 days 1,725 sqft
    2022-03-01 39 days 1,739 sqft
    2022-04-01 36 days 1,741 sqft
    2022-05-01 31 days 1,706 sqft
    2022-06-01 35 days 1,643 sqft
    2022-07-01 45 days 1,630 sqft
    2022-08-01 50 days 1,641 sqft
    2022-09-01 60 days 1,642 sqft
    2022-10-01 71 days 1,644 sqft
    2022-11-01 74 days 1,639 sqft
    2022-12-01 84 days 1,633 sqft
    2023-01-01 89 days 1,655 sqft
    2023-02-01 86 days 1,653 sqft
    2023-03-01 69 days 1,657 sqft
    2023-04-01 66 days 1,697 sqft
    2023-05-01 66 days 1,765 sqft
    2023-06-01 58 days 1,722 sqft
    2023-07-01 58 days 1,728 sqft
    2023-08-01 60 days 1,745 sqft
    2023-09-01 56 days 1,719 sqft
    2023-10-01 54 days 1,710 sqft
    2023-11-01 57 days 1,695 sqft
    2023-12-01 71 days 1,683 sqft
    2024-01-01 71 days 1,708 sqft
    2024-02-01 58 days 1,707 sqft
    2024-03-01 57 days 1,697 sqft
    2024-04-01 63 days 1,687 sqft
    2024-05-01 57 days 1,685 sqft
    2024-06-01 61 days 1,658 sqft
    2024-07-01 69 days 1,637 sqft
    2024-08-01 66 days 1,633 sqft
    2024-09-01 64 days 1,640 sqft
    2024-10-01 64 days 1,632 sqft
    2024-11-01 69 days 1,628 sqft
    2024-12-01 75 days 1,634 sqft
    2025-01-01 82 days 1,660 sqft
    2025-02-01 77 days 1,655 sqft
    2025-03-01 61 days 1,649 sqft
    2025-04-01 62 days 1,628 sqft
    2025-05-01 63 days 1,631 sqft
    2025-06-01 67 days 1,629 sqft
    Lake Havasu City's median listing age (time on market) for 2025-06-01 was 67 days. This is 10% longer than the same period one year ago.

    Lake Havasu City's median square footage for active listings during the 2025-06-01 period was 1,629 sqft. One year prior, the average listing was 1,658 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.