Las Vegas VA Loan Rates, Closing Costs & Stats

LAS VEGAS-HENDERSON-PARADISE, NV

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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.

    Las Vegas's 173 lenders originated 4,282 VA loans during 2023. The total origination value was $1,843,140,000, with an average VA loan value of $430,439.

    Las Vegas VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Las Vegas averaged 6.2% for the week of 2024-11-08, compared to the national average (all VA variants) of 6.34% for the same period.

    Las Vegas's average VA mortgage closing costs are $7,303.

    The average rate for the prior week (2024-11-01) was 6.35% and one month ago for the week of 2024-10-04, the average rate was 5.38%.

    The average rate one year ago was 7.14%.

    For refis of the same type during the week of 2024-11-08, the average rate was 6.65%.

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

    Las Vegas 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 Las Vegas level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 386 6.55% $8,219
    UNITED WHOLESALE MORTGAGE, LLC 297 6.17% $9,749
    QUICKEN LOANS, LLC 220 6.08% $14,374
    LOANDEPOT.COM, LLC 207 5.77% $14,534
    DHI MORTGAGE COMPANY, LTD. 202 5.51% $8,589
    GUILD MORTGAGE COMPANY 169 6.02% $14,809
    EAGLE HOME MORTGAGE, LLC 151 4.88% $7,265
    NAVY FEDERAL CREDIT UNION 139 5.74% $7,671
    BROKER SOLUTIONS, INC. 116 6.25% $12,929
    PULTE MORTGAGE LLC 115 5.68% $7,052
    HOMEAMERICAN MORTGAGE CORPORATION 102 5.40% $5,800
    FREEDOM MORTGAGE CORPORATION 98 6.38% $19,421
    KBHS HOME LOANS, LLC 95 5.66% $11,989
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 76 6.26% $11,431
    INSPIRE HOME LOANS INC. 73 5.38% $10,767
    USAA Federal Savings Bank 70 6.09% $13,849
    PENNYMAC LOAN SERVICES, LLC 63 5.65% $13,053
    The Federal Savings Bank 57 6.26% $20,947
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 54 6.08% $12,153
    GUARANTEED RATE, INC. 53 6.37% $9,311
    CARDINAL FINANCIAL 52 6.56% $12,856
    NEW DAY FINANCIAL, LLC 49 7.40% $15,306
    CMG MORTGAGE, INC. 48 6.30% $16,639
    CROSSCOUNTRY MORTGAGE, LLC 48 6.67% $13,305
    Prosperity Home Mortgage, LLC 45 5.84% $11,648
    NOVA FINANCIAL & INVESTMENT CORPORATION 40 6.29% $9,887
    AMERICAN FINANCIAL NETWORK, INC. 34 6.36% $10,365
    NEWREZ LLC 32 6.55% $9,773
    Century Mortgage Company DBA Century Lending Company 30 6.19% $5,940
    American Mortgage & Equity Consultants, Inc. 30 6.73% $16,855
    Mr. Cooper ( Nationstar Mortgage ) 30 5.89% $16,806
    MUTUAL OF OMAHA MORTGAGE, INC. 30 6.31% $13,593
    PENTAGON FEDERAL CREDIT UNION 29 5.57% $9,675
    MOVEMENT MORTGAGE, LLC 29 6.51% $11,459
    VILLAGE CAPITAL MORTGAGE 29 6.02% $13,302
    Flagstar Bank, FSB 29 6.32% $10,101
    South Pacific Financial Corporation 28 5.31% $11,221
    FBC MORTGAGE, LLC 26 6.17% $9,572
    Paramount Residential Mortgage Group, Inc. 25 6.29% $12,287
    SECURITYNATIONAL MORTGAGE COMPANY 23 6.29% $12,739
    AXIA FINANCIAL, LLC 23 5.99% $15,184
    AMERICAN PACIFIC MORTGAGE CORPORATION 23 6.60% $13,285
    NBKC BANK 22 5.77% $9,210
    U.S. Bank 20 5.83% $8,693
    MORTGAGE SOLUTIONS OF COLORADO, LLC 20 7.50% $3,511
    AMERISAVE MORTGAGE CORPORATION 20 5.64% $18,462
    ONE NEVADA CREDIT UNION 19 5.91% $6,604
    LOANPAL, LLC 19 5.74% $15,458
    SUN WEST MORTGAGE COMPANY, INC. 18 6.28% $10,728
    Barrington Bank & Trust Company, N.A. 18 6.31% $12,125
    Armed Forces Bank 17 6.07% $11,319
    PINNACLE LENDING GROUP, INC. 17 6.43% $15,669
    Wells Fargo Bank 16 5.46% $8,761
    PLANET HOME LENDING, LLC 16 6.12% $12,747
    Nations Lending Corporation 14 6.07% $14,575
    RESIDENTIAL BANCORP 13 6.38% $15,004
    Bank of England 13 6.12% $10,906
    GENEVA FINANCIAL, LLC 12 6.63% $14,106
    Plains Commerce Bank 12 5.67% $11,050
    JPMorgan Chase Bank 11 6.17% $7,142
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 11 6.53% $10,946
    Magnolia Bank 10 6.02% $19,145
    UNION HOME MORTGAGE CORP. 10 6.33% $11,315
    CASTLE & COOKE MORTGAGE, LLC 9 6.49% $10,435
    Ixonia Bank 9 6.75% $8,657
    BNC National Bank 8 5.38% $12,925
    LADERA LENDING, INC. 8 6.26% $25,903
    TBI MORTGAGE COMPANY 7 6.43% $13,258
    DATA MORTGAGE, INC. 7 6.27% $10,726
    CHERRY CREEK MORTGAGE, LLC 7 6.68% $3,184
    Sierra Pacific Mortgage Company, Inc. 7 6.28% $15,659
    Equity Prime Mortgage LLC 7 6.95% $14,270
    EVERETT FINANCIAL, INC. 7 6.39% $13,407
    INTERCAP LENDING INC. 6 6.10% $6,970
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 6 6.67% $5,255
    ML Mortgage Corp. 6 6.44% $14,461
    The Central Trust Bank 5 5.53% $7,791
    HighTechLending Inc 5 5.85% $11,713
    MANN FINANCIAL INC. 5 6.90% $14,213
    LAKEVIEW LOAN SERVICING, LLC 5 6.15% $13,246
    BAY-VALLEY MORTGAGE GROUP 5 5.88% $10,752
    CITYWIDE HOME LOANS, LLC 5 6.05% $16,079
    DAS Acquisition Company, LLC 5 7.30% $16,542
    LEADERONE FINANCIAL CORPORATION 5 6.22% $13,687
    OCMBC, INC. 5 6.63% $15,412
    Zions Bank 4 6.66% $9,837
    BAY EQUITY LLC 4 6.34% $6,469
    CANOPY MORTGAGE, LLC 4 5.72% $13,182
    Franklin Loan Corporation 4 6.50% $10,429
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 6.78% $6,023
    SIMPLIFI MORTGAGE, LLC 4 5.91% $27,018
    SOVEREIGN LENDING GROUP INCORPORATED 4 5.25% $19,856
    SUMMIT FUNDING, INC. 4 6.13% $35,160
    SWBC MORTGAGE CORPORATION 4 6.41% $5,743
    PLAZA HOME MORTGAGE, INC. 3 5.75% $14,329
    Citizens Bank 3 5.13% $17,301
    INTELLILOAN, INC. 3 5.88% $7,142
    PANORAMA MORTGAGE GROUP, LLC 3 6.46% $17,333
    VERITAS FUNDING, LLC 3 7.04% $20,828
    AMERICA FIRST 3 6.58% $8,545
    GREATER NEVADA LLC 3 7.08% $8,003
    KELLER MORTGAGE, LLC 3 6.00% $15,585
    TOP FLITE FINANCIAL, INC. 3 6.29% $29,140
    First Option Mortgage, LLC 3 6.46% $11,418
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.13% $11,802
    First Federal Bank 3 6.29% $7,101
    NATIONS DIRECT MORTGAGE, LLC 3 6.42% $7,752
    HOMESIDE FINANCIAL, LLC 3 6.79% $11,747
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 6.67% $6,557
    Paramount Bank 2 6.13% $9,602
    INFINITY EQUITY GROUP, INC. 2 5.75% $9,756
    First Savings Bank 2 6.00% $26,047
    FIRST COMMUNITY MORTGAGE, INC. 2 6.75% $10,957
    NFM, INC. 2 5.63% $29,309
    DRAPER AND KRAMER MORTGAGE CORP. 2 6.13% $11,006
    CORNERSTONE HOME LENDING, INC. 2 6.75% $10,589
    Cornerstone First Mortgage, Inc 2 6.63% $45,241
    CLARK COUNTY CREDIT UNION 2 6.19% $29,623
    CITY FIRST MORTGAGE SERVICES, L.L.C. 2 6.12% $12,056
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 7.25% $10,053
    CHURCHILL MORTGAGE CORPORATION 2 6.94% $10,925
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 5.88% $12,927
    RMS & Associates 2 6.44% $15,914
    BRIDGELOCK CAPITAL 2 6.99% $11,524
    Arvest Bank 2 6.19% $4,292
    SUN AMERICAN MORTGAGE COMPANY 2 7.13% $8,390
    ACADEMY MORTGAGE CORPORATION 2 6.44% $15,317
    AmRes Corporation 2 6.31% $14,484
    AmeriHome Mortgage Company, LLC 2 6.31% $10,971
    Truist 2 6.44% $9,268
    LAND HOME FINANCIAL SERVICES, INC. 2 6.63% $10,329
    FirstBank 1 6.38% $14,023
    PNC Bank 1 7.50% $38,074
    Hancock Whitney Bank 1 6.00% $6,493
    NATIONWIDE MORTGAGE BANKERS, INC. 1 5.63% $10,320
    ALLIED MORTGAGE GROUP, INC. 1 7.25% $5,423
    Carrington Mortgage Services, LLC 1 2.75% $3,180
    Capital Bank 1 5.75% $4,507
    CALIBER HOME LOANS, INC. 1 6.75% $27,978
    VAN DYK MORTGAGE CORPORATION 1 6.13% $20,221
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.88% $13,661
    S1L, Inc. 1 6.25% $8,375
    CALCON MUTUAL MORTGAGE LLC 1 7.00% $12,992
    ALAMEDA MORTGAGE CORPORATION 1 6.75% $6,428
    West Gate Bank 1 5.75% $13,358
    SIRVA MORTGAGE, INC. 1 6.38% $38,851
    Watermark Capital, Inc. 1 5.63% $17,059
    Willamette Valley Bank 1 5.25% $17,733
    ZILLOW HOME LOANS, LLC 1 7.13% $16,650
    Waterstone Mortgage Corporation 1 6.63% $23,543
    First Federal Bank of Kansas City 1 7.13% $4,063
    AIR ACADEMY 1 5.63% $8,938
    HomeStreet Bank 1 6.63% $12,064
    JMJ FINANCIAL GROUP 1 5.63% $13,565
    American Mortgage Bank, LLC 1 7.00% $6,845
    Farmers Bank & Trust 1 5.13% $4,988
    Encompass Lending Group, LP 1 6.75% $24,315
    The Loan Store, Inc. 1 6.99% $3,836
    North American Savings Bank, F.S.B. 1 5.13% $6,405
    Northpointe Bank 1 6.63% $45,315
    MOUNTAIN AMERICA 1 6.25% $6,924
    DIRECT MORTGAGE LOANS, LLC 1 5.75% $20,387
    Old National Bank 1 5.63% $6,178
    DIRECT MORTGAGE, CORP. 1 7.50% $16,000
    ONY GLO, INC. 1 6.75% $6,049
    Network Funding, L.P. 1 7.63% $7,206
    Neighborhood Loans, Inc. 1 5.63% $15,437
    INTERNATIONAL CITY MORTGAGE, INC. 1 5.75% $5,233
    AMERICAN INTERNET MORTGAGE, INC. 1 5.63% $8,188
    UNITED SECURITY FINANCIAL CORP 1 6.63% $9,272
    AMERICAN FINANCING CORPORATION 1 4.88% $14,790
    FINANCE OF AMERICA MORTGAGE LLC 1 5.50% $19,007
    Citibank 1 5.75% $10,940

    The top Las Vegas VA lender as defined by loan originations is Mortgage Research Center, LLC, with 386 VA loans originated. Their average total fees are $8,219, which is $1,529 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Las Vegas VA lenders (with over 10 loans originated) are MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,511), HOMEAMERICAN MORTGAGE CORPORATION ($5,800), Century Mortgage Company DBA Century Lending Company ($5,940), ONE NEVADA CREDIT UNION ($6,604) and PULTE MORTGAGE LLC ($7,052).

    The lowest rate Las Vegas VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.88%), South Pacific Financial Corporation (5.31%), INSPIRE HOME LOANS INC. (5.38%), HOMEAMERICAN MORTGAGE CORPORATION (5.40%) and Wells Fargo Bank (5.46%).

    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.