Naples VA Loan Rates, Closing Costs & Stats

NAPLES-MARCO ISLAND, 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.

    Naples's 63 lenders originated 249 VA loans during 2024. The total origination value was $134,015,000, with an average VA loan value of $538,213.

    Naples VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Naples averaged 7.15% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Naples's average VA mortgage closing costs are $8,723.

    The average rate for the prior week (2025-05-16) was 7.13% and one month ago for the week of 2025-04-18, the average rate was 6.8%.

    The average rate one year ago was 6.82%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.97%.

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

    Naples 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 Naples level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 30 6.40% $10,875
    UNITED WHOLESALE MORTGAGE, LLC 28 5.97% $15,383
    QUICKEN LOANS, LLC 20 5.70% $12,898
    CROSSCOUNTRY MORTGAGE, LLC 15 6.47% $13,283
    PULTE MORTGAGE LLC 14 6.02% $8,285
    NAVY FEDERAL CREDIT UNION 9 5.82% $6,954
    LOANDEPOT.COM, LLC 7 5.71% $13,333
    EAGLE HOME MORTGAGE, LLC 7 5.63% $7,925
    USAA Federal Savings Bank 6 6.19% $9,174
    FREEDOM MORTGAGE CORPORATION 6 5.79% $25,878
    MOVEMENT MORTGAGE, LLC 6 6.10% $14,888
    AMERICAN FINANCIAL NETWORK, INC. 5 6.08% $19,634
    PENNYMAC LOAN SERVICES, LLC 5 5.47% $9,925
    South Pacific Financial Corporation 5 5.70% $7,500
    VILLAGE CAPITAL MORTGAGE 4 5.62% $10,096
    Equity Prime Mortgage LLC 4 5.84% $13,031
    NEWREZ LLC 4 6.19% $14,342
    Mid-Continent Funding, Inc. 4 5.84% $9,313
    NEW DAY FINANCIAL, LLC 3 7.50% $22,807
    Magnolia Bank 2 5.56% $15,920
    Paramount Residential Mortgage Group, Inc. 2 6.69% $23,521
    Flagstar Bank, FSB 2 6.32% $14,702
    Bank of England 2 7.13% $20,201
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.94% $25,735
    GUARANTEED RATE, INC. 2 6.19% $10,064
    NBKC BANK 2 5.50% $15,427
    Premium Mortgage Corporation 2 6.44% $8,100
    Carrington Mortgage Services, LLC 2 5.94% $29,854
    PLAZA HOME MORTGAGE, INC. 1 5.49% $14,679
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.13% $8,987
    SUN WEST MORTGAGE COMPANY, INC. 1 5.25% $6,992
    The Loan Store, Inc. 1 5.99% $15,161
    TOP FLITE FINANCIAL, INC. 1 6.75% $6,207
    TOTAL MORTGAGE SERVICES, LLC 1 5.63% $11,908
    Tyndall Federal Credit Union 1 6.50% $8,002
    The Federal Savings Bank 1 6.75% $25,644
    AMERICAN FINANCING CORPORATION 1 5.75% $14,589
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.13% $19,854
    AMERISAVE MORTGAGE CORPORATION 1 5.25% $14,661
    Ameris Bank 1 6.25% $5,258
    Barrington Bank & Trust Company, N.A. 1 6.25% $17,523
    BROKER SOLUTIONS, INC. 1 7.25% $9,166
    Century Mortgage Company DBA Century Lending Company 1 5.63% $14,249
    Citizens Bank 1 6.00% $5,931
    CORNERSTONE HOME LENDING, INC. 1 6.75% $82
    DHI MORTGAGE COMPANY, LTD. 1 5.50% $3,468
    EQUITY RESOURCES, INC. 1 6.63% $10,716
    FBC MORTGAGE, LLC 1 6.25% $0
    FIDELITY DIRECT MORTGAGE, LLC 1 6.13% $7,971
    F & M Bank 1 6.63% $23,030
    GoPrime Mortgage, Inc. 1 5.50% $2,568
    GUARANTEED RATE AFFINITY, LLC 1 6.50% $6,428
    Ixonia Bank 1 6.88% $23,663
    LAKE MICHIGAN CREDIT UNION 1 6.38% $6,168
    LOANPAL, LLC 1 5.50% $16,785
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.63% $64,886
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.25% $0
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.13% $27,400
    NATIONS DIRECT MORTGAGE, LLC 1 5.50% $15,836
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.50% $18,865
    NEAL COMMUNITIES FUNDING, LLC 1 7.13% $21,517
    NETWORK CAPITAL FUNDING CORPORATION 1 7.25% $24,538
    NFM, INC. 1 7.00% $25,198

    The top Naples VA lender as defined by loan originations is Mortgage Research Center, LLC, with 30 VA loans originated. Their average total fees are $10,875, which is $4,508 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Naples VA lenders (with over 10 loans originated) are PULTE MORTGAGE LLC ($8,285), Mortgage Research Center, LLC ($10,875), QUICKEN LOANS, LLC ($12,898), CROSSCOUNTRY MORTGAGE, LLC ($13,283) and UNITED WHOLESALE MORTGAGE, LLC ($15,383).

    The lowest rate Naples VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (5.70%), UNITED WHOLESALE MORTGAGE, LLC (5.97%), PULTE MORTGAGE LLC (6.02%), Mortgage Research Center, LLC (6.40%) and CROSSCOUNTRY MORTGAGE, LLC (6.47%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Naples (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 $468,900 (-6.0%) $955,497 (-6.6%) 1.74 6,385
    2018-02-01 $469,000 (-5.7%) $938,749 (-7.2%) 1.70 6,867
    2018-03-01 $460,000 (-6.0%) $930,658 (-7.1%) 1.61 7,090
    2018-04-01 $456,100 (-6.7%) $911,095 (-7.9%) 1.55 6,898
    2018-05-01 $449,900 (-5.3%) $893,558 (-8.7%) 1.50 6,574
    2018-06-01 $449,900 (-5.7%) $883,640 (-9.4%) 1.50 6,206
    2018-07-01 $449,700 (-5.3%) $886,938 (-7.1%) 1.50 5,894
    2018-08-01 $445,473 (-5.2%) $883,042 (-8.0%) 1.49 5,719
    2018-09-01 $439,950 (-6.4%) $882,337 (-9.6%) 1.48 5,649
    2018-10-01 $445,000 (-5.1%) $910,227 (-5.9%) 1.51 6,080
    2018-11-01 $449,000 (-4.3%) $920,712 (-3.8%) 1.52 6,595
    2018-12-01 $449,000 (-2.4%) $915,696 (-3.8%) 1.55 6,957
    2019-01-01 $449,450 (-4.2%) $924,565 (-3.2%) 1.55 7,385
    2019-02-01 $454,684 (-3.1%) $923,013 (-1.7%) 1.54 7,862
    2019-03-01 $458,914 (-0.2%) $932,859 (0.2%) 1.50 7,821
    2019-04-01 $458,989 (0.6%) $932,334 (2.3%) 1.46 7,659
    2019-05-01 $450,000 (0.0%) $927,167 (3.8%) 1.41 7,112
    2019-06-01 $450,000 (0.0%) $938,364 (6.2%) 1.41 6,566
    2019-07-01 $449,450 (-0.1%) $918,666 (3.6%) 1.41 6,107
    2019-08-01 $449,245 (0.9%) $920,740 (4.3%) 1.42 5,957
    2019-09-01 $449,614 (2.2%) $919,825 (4.3%) 1.44 5,878
    2019-10-01 $449,950 (1.1%) $923,402 (1.5%) 1.45 5,850
    2019-11-01 $459,000 (2.2%) $950,477 (3.2%) 1.50 6,017
    2019-12-01 $465,000 (3.6%) $960,423 (4.9%) 1.55 6,125
    2020-01-01 $475,000 (5.7%) $997,643 (7.9%) 1.59 6,087
    2020-02-01 $475,000 (4.5%) $991,163 (7.4%) 1.55 6,203
    2020-03-01 $475,000 (3.5%) $1,008,669 (8.1%) 1.49 6,160
    2020-04-01 $469,160 (2.2%) $978,840 (5.0%) 1.47 5,994
    2020-05-01 $473,345 (5.2%) $1,008,953 (8.8%) 1.44 5,683
    2020-06-01 $475,000 (5.6%) $1,025,949 (9.3%) 1.40 5,341
    2020-07-01 $474,000 (5.5%) $1,031,953 (12.3%) 1.37 4,927
    2020-08-01 $475,000 (5.7%) $1,051,742 (14.2%) 1.36 4,621
    2020-09-01 $478,579 (6.4%) $1,064,008 (15.7%) 1.37 4,314
    2020-10-01 $475,000 (5.6%) $1,068,283 (15.7%) 1.36 4,156
    2020-11-01 $479,000 (4.4%) $1,085,815 (14.2%) 1.40 3,915
    2020-12-01 $478,303 (2.9%) $1,105,719 (15.1%) 1.42 3,638
    2021-01-01 $479,000 (0.8%) $1,144,020 (14.7%) 1.43 3,192
    2021-02-01 $497,000 (4.6%) $1,169,300 (18.0%) 1.45 2,416
    2021-03-01 $549,500 (15.7%) $1,276,586 (26.6%) 1.56 1,796
    2021-04-01 $582,100 (24.1%) $1,362,758 (39.2%) 1.58 1,491
    2021-05-01 $600,000 (26.8%) $1,461,823 (44.9%) 1.59 1,263
    2021-06-01 $640,000 (34.7%) $1,522,698 (48.4%) 1.68 1,232
    2021-07-01 $649,900 (37.1%) $1,577,046 (52.8%) 1.71 1,281
    2021-08-01 $659,500 (38.8%) $1,557,300 (48.1%) 1.76 1,290
    2021-09-01 $666,000 (39.2%) $1,615,310 (51.8%) 1.78 1,259
    2021-10-01 $699,950 (47.4%) $1,687,676 (58.0%) 1.87 1,264
    2021-11-01 $728,499 (52.1%) $1,787,211 (64.6%) 1.95 1,192
    2021-12-01 $742,450 (55.2%) $1,844,149 (66.8%) 2.01 1,166
    2022-01-01 $769,450 (60.6%) $1,928,505 (68.6%) 2.08 1,068
    2022-02-01 $798,350 (60.6%) $1,969,890 (68.5%) 2.08 1,024
    2022-03-01 $799,500 (45.5%) $1,863,799 (46.0%) 2.00 1,211
    2022-04-01 $849,900 (46.0%) $1,839,091 (35.0%) 2.03 1,509
    2022-05-01 $825,000 (37.5%) $1,745,267 (19.4%) 1.89 1,903
    2022-06-01 $799,945 (25.0%) $1,692,527 (11.2%) 1.78 2,269
    2022-07-01 $790,000 (21.6%) $1,676,639 (6.3%) 1.78 2,517
    2022-08-01 $766,750 (16.3%) $1,609,801 (3.4%) 1.77 2,467
    2022-09-01 $778,950 (17.0%) $1,625,772 (0.7%) 1.82 2,347
    2022-10-01 $795,000 (13.6%) $1,672,375 (-0.9%) 1.87 2,380
    2022-11-01 $799,000 (9.7%) $1,765,237 (-1.2%) 1.92 2,656
    2022-12-01 $810,000 (9.1%) $1,827,135 (-0.9%) 2.00 2,766
    2023-01-01 $849,950 (10.5%) $1,907,021 (-1.1%) 2.11 2,986
    2023-02-01 $879,500 (10.2%) $2,053,510 (4.2%) 2.12 3,142
    2023-03-01 $891,000 (11.4%) $2,244,482 (20.4%) 2.10 3,218
    2023-04-01 $899,000 (5.8%) $2,280,143 (24.0%) 2.09 3,216
    2023-05-01 $899,748 (9.1%) $2,290,211 (31.2%) 2.04 3,131
    2023-06-01 $889,950 (11.3%) $2,193,264 (29.6%) 2.00 3,087
    2023-07-01 $854,500 (8.2%) $2,157,210 (28.7%) 1.94 2,990
    2023-08-01 $845,013 (10.2%) $2,092,003 (30.0%) 1.94 2,886
    2023-09-01 $839,900 (7.8%) $2,025,423 (24.6%) 1.96 2,977
    2023-10-01 $850,000 (6.9%) $2,003,511 (19.8%) 2.00 3,399
    2023-11-01 $854,725 (7.0%) $2,029,371 (15.0%) 2.04 3,974
    2023-12-01 $855,000 (5.6%) $2,035,302 (11.4%) 2.09 4,324
    2024-01-01 $850,000 (0.0%) $2,025,147 (6.2%) 2.08 4,839
    2024-02-01 $849,950 (-3.4%) $2,057,708 (0.2%) 2.05 5,438
    2024-03-01 $849,000 (-4.7%) $2,048,994 (-8.7%) 2.00 5,852
    2024-04-01 $817,750 (-9.0%) $2,009,145 (-11.9%) 1.90 5,874
    2024-05-01 $799,450 (-11.2%) $1,995,775 (-12.9%) 1.82 5,767
    2024-06-01 $785,000 (-11.8%) $1,926,082 (-12.2%) 1.78 5,366
    2024-07-01 $768,000 (-10.1%) $1,884,991 (-12.6%) 1.76 5,021
    2024-08-01 $749,999 (-11.2%) $1,846,966 (-11.7%) 1.74 4,720
    2024-09-01 $749,000 (-10.8%) $1,829,513 (-9.7%) 1.76 4,687
    2024-10-01 $749,000 (-11.9%) $1,806,341 (-9.8%) 1.76 4,939
    2024-11-01 $759,900 (-11.1%) $1,816,295 (-10.5%) 1.82 5,675
    2024-12-01 $775,000 (-9.4%) $1,838,008 (-9.7%) 1.93 6,259
    2025-01-01 $791,750 (-6.9%) $1,847,306 (-8.8%) 1.98 6,879
    2025-02-01 $779,200 (-8.3%) $1,825,814 (-11.3%) 1.89 7,841
    2025-03-01 $775,000 (-8.7%) $1,790,337 (-12.6%) 1.82 8,252
    2025-04-01 $754,500 (-7.7%) $1,753,884 (-12.7%) 1.75 8,358
    Naples's median listing price for 2025-04-01 was $754,500, a difference of $-63,250 (-7.7%) versus the prior year and $-20,500 versus the prior month.

    Naples's median listing price comes in at 175% of the national average.

    Naples's average listing price for 2025-04-01 was $1,753,884, a difference of $-255,261 (-12.7%) versus the prior year and $-36,453 versus the prior month.

    For the 2025-04-01 period, Naples had 8,358 MLS listings, a difference of 106 listings (1%) versus the prior month and 2,484 listings (42%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Naples (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 80 days 1,943 sqft
    2018-02-01 75 days 1,925 sqft
    2018-03-01 73 days 1,910 sqft
    2018-04-01 81 days 1,889 sqft
    2018-05-01 87 days 1,874 sqft
    2018-06-01 96 days 1,883 sqft
    2018-07-01 103 days 1,889 sqft
    2018-08-01 106 days 1,890 sqft
    2018-09-01 107 days 1,884 sqft
    2018-10-01 99 days 1,882 sqft
    2018-11-01 88 days 1,880 sqft
    2018-12-01 86 days 1,869 sqft
    2019-01-01 87 days 1,866 sqft
    2019-02-01 85 days 1,866 sqft
    2019-03-01 85 days 1,865 sqft
    2019-04-01 88 days 1,862 sqft
    2019-05-01 97 days 1,861 sqft
    2019-06-01 102 days 1,868 sqft
    2019-07-01 108 days 1,866 sqft
    2019-08-01 109 days 1,868 sqft
    2019-09-01 106 days 1,868 sqft
    2019-10-01 102 days 1,876 sqft
    2019-11-01 87 days 1,883 sqft
    2019-12-01 85 days 1,880 sqft
    2020-01-01 87 days 1,895 sqft
    2020-02-01 86 days 1,900 sqft
    2020-03-01 80 days 1,900 sqft
    2020-04-01 90 days 1,883 sqft
    2020-05-01 99 days 1,885 sqft
    2020-06-01 107 days 1,882 sqft
    2020-07-01 106 days 1,870 sqft
    2020-08-01 94 days 1,832 sqft
    2020-09-01 94 days 1,833 sqft
    2020-10-01 83 days 1,819 sqft
    2020-11-01 74 days 1,824 sqft
    2020-12-01 74 days 1,803 sqft
    2021-01-01 73 days 1,778 sqft
    2021-02-01 60 days 1,786 sqft
    2021-03-01 49 days 1,833 sqft
    2021-04-01 44 days 1,854 sqft
    2021-05-01 43 days 1,869 sqft
    2021-06-01 44 days 1,922 sqft
    2021-07-01 44 days 1,901 sqft
    2021-08-01 52 days 1,889 sqft
    2021-09-01 57 days 1,924 sqft
    2021-10-01 58 days 1,945 sqft
    2021-11-01 58 days 2,000 sqft
    2021-12-01 50 days 1,988 sqft
    2022-01-01 54 days 1,971 sqft
    2022-02-01 36 days 1,936 sqft
    2022-03-01 30 days 1,916 sqft
    2022-04-01 31 days 1,904 sqft
    2022-05-01 36 days 1,883 sqft
    2022-06-01 40 days 1,881 sqft
    2022-07-01 51 days 1,868 sqft
    2022-08-01 61 days 1,866 sqft
    2022-09-01 69 days 1,879 sqft
    2022-10-01 74 days 1,888 sqft
    2022-11-01 67 days 1,882 sqft
    2022-12-01 65 days 1,894 sqft
    2023-01-01 67 days 1,924 sqft
    2023-02-01 60 days 1,914 sqft
    2023-03-01 54 days 1,921 sqft
    2023-04-01 58 days 1,907 sqft
    2023-05-01 62 days 1,908 sqft
    2023-06-01 67 days 1,871 sqft
    2023-07-01 75 days 1,857 sqft
    2023-08-01 80 days 1,853 sqft
    2023-09-01 75 days 1,848 sqft
    2023-10-01 67 days 1,847 sqft
    2023-11-01 60 days 1,836 sqft
    2023-12-01 65 days 1,820 sqft
    2024-01-01 72 days 1,823 sqft
    2024-02-01 67 days 1,814 sqft
    2024-03-01 64 days 1,819 sqft
    2024-04-01 72 days 1,802 sqft
    2024-05-01 78 days 1,817 sqft
    2024-06-01 86 days 1,818 sqft
    2024-07-01 94 days 1,807 sqft
    2024-08-01 99 days 1,797 sqft
    2024-09-01 96 days 1,793 sqft
    2024-10-01 88 days 1,786 sqft
    2024-11-01 73 days 1,800 sqft
    2024-12-01 70 days 1,800 sqft
    2025-01-01 70 days 1,804 sqft
    2025-02-01 71 days 1,805 sqft
    2025-03-01 72 days 1,811 sqft
    2025-04-01 81 days 1,805 sqft
    Naples's median listing age (time on market) for 2025-04-01 was 81 days. This is 13% longer than the same period one year ago.

    Naples's median square footage for active listings during the 2025-04-01 period was 1,805 sqft. One year prior, the average listing was 1,802 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.