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 0.43% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

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

    The average rate for the prior week (2025-06-13) was 6.97% and one month ago for the week of 2025-05-16, the average rate was 6.73%.

    The average rate one year ago was 6.73%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.55%.

    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%).

    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.