Ocala VA Loan Rates, Closing Costs & Stats

OCALA, 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.

    Ocala's 138 lenders originated 1,491 VA loans during 2024. The total origination value was $444,825,000, with an average VA loan value of $298,340.

    Ocala VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Ocala averaged 0.2% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Ocala's average VA mortgage closing costs are $6,214.

    The average rate for the prior week (2025-06-13) was 6.45% and one month ago for the week of 2025-05-16, the average rate was 6.51%.

    The average rate one year ago was 6.51%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.01%.

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

    Ocala 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 Ocala level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 225 6.42% $6,082
    UNITED WHOLESALE MORTGAGE, LLC 159 6.00% $7,492
    QUICKEN LOANS, LLC 82 6.10% $10,881
    FREEDOM MORTGAGE CORPORATION 73 6.22% $7,115
    DHI MORTGAGE COMPANY, LTD. 69 5.11% $4,668
    NAVY FEDERAL CREDIT UNION 57 5.92% $5,656
    UNION HOME MORTGAGE CORP. 44 6.34% $8,625
    VILLAGE CAPITAL MORTGAGE 42 5.79% $6,173
    NEW DAY FINANCIAL, LLC 39 7.34% $12,061
    EAGLE HOME MORTGAGE, LLC 38 4.73% $4,547
    PULTE MORTGAGE LLC 33 5.39% $4,390
    PENNYMAC LOAN SERVICES, LLC 30 5.75% $8,169
    CROSSCOUNTRY MORTGAGE, LLC 27 6.28% $7,992
    LOANDEPOT.COM, LLC 25 5.96% $9,476
    NEWREZ LLC 24 6.12% $7,803
    PRIMELENDING, A PLAINSCAPITAL COMPANY 19 6.66% $6,460
    MORTGAGE SOLUTIONS OF COLORADO, LLC 18 7.24% $3,364
    AMERICAN FINANCIAL NETWORK, INC. 16 6.50% $8,313
    Ameris Bank 14 6.29% $6,526
    Equity Prime Mortgage LLC 14 6.59% $11,023
    GUARANTEED RATE, INC. 13 5.96% $4,426
    Mr. Cooper ( Nationstar Mortgage ) 12 6.28% $9,718
    Flagstar Bank, FSB 11 6.27% $8,484
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 6.17% $6,434
    GUILD MORTGAGE COMPANY 10 6.50% $13,980
    SUCCESS MORTGAGE PARTNERS, INC. 10 6.61% $10,504
    Mid-Continent Funding, Inc. 10 6.32% $11,854
    CMG MORTGAGE, INC. 10 5.41% $7,367
    AMERICAN BANCSHARES MORTGAGE 9 6.26% $11,046
    USAA Federal Savings Bank 9 6.29% $8,958
    LEADERONE FINANCIAL CORPORATION 8 5.98% $3,888
    HOME SOLUTION LENDERS INC. 7 5.82% $8,132
    LAKEVIEW LOAN SERVICING, LLC 7 5.95% $6,144
    PLANET HOME LENDING, LLC 7 6.32% $7,905
    BROKER SOLUTIONS, INC. 7 6.68% $9,544
    EVERETT FINANCIAL, INC. 6 6.56% $6,255
    Barrington Bank & Trust Company, N.A. 6 6.50% $6,114
    THE MORTGAGE FIRM, INC. 6 6.50% $8,130
    SUN WEST MORTGAGE COMPANY, INC. 6 6.13% $9,097
    Carrington Mortgage Services, LLC 6 6.06% $7,345
    CLEARPATH LENDING 6 5.94% $11,571
    VANDERBILT MORTGAGE AND FINANCE, INC. 6 5.21% $446
    First Federal Bank 5 5.80% $4,863
    STOCKTON MORTGAGE CORPORATION 5 6.55% $9,331
    Plains Commerce Bank 5 6.75% $9,125
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 5 5.87% $10,592
    Century Mortgage Company DBA Century Lending Company 4 6.16% $6,854
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 5.94% $5,335
    NBKC BANK 4 5.84% $8,470
    American Mortgage & Equity Consultants, Inc. 4 6.25% $10,247
    PENTAGON FEDERAL CREDIT UNION 4 6.09% $7,847
    MUTUAL OF OMAHA MORTGAGE, INC. 4 6.41% $14,037
    EMBRACE HOME LOANS, INC. 4 6.03% $6,815
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.42% $3,253
    AMERICAN FINANCIAL RESOURCES, INC. 3 6.83% $10,203
    EMM LOANS LLC 3 6.71% $12,580
    FBC MORTGAGE, LLC 3 6.08% $7,262
    AFFORDABLE MORTGAGE ADVISORS, LLC. 3 6.67% $9,883
    INSPIRE HOME LOANS INC. 3 5.17% $7,198
    Ixonia Bank 3 6.38% $8,799
    METROPLEX MORTGAGE SERVICES, INC. 3 6.25% $5,238
    MORTGAGE FINANCIAL GROUP, INC. 3 6.17% $8,383
    MOVEMENT MORTGAGE, LLC 3 6.38% $5,160
    The Federal Savings Bank 3 5.88% $19,865
    ZILLOW HOME LOANS, LLC 3 6.50% $4,994
    SOUTHWEST STAGE FUNDING, LLC 2 5.88% $0
    Waterstone Mortgage Corporation 2 6.00% $13,588
    Mortgage Lenders Investment Trading Corporation 2 7.00% $11,727
    BAYSHORE MORTGAGE FUNDING, LLC 2 6.56% $14,945
    The Central Trust Bank 2 5.63% $13,239
    Wolfe Financial, Inc 2 6.75% $4,401
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.19% $7,694
    First Horizon Bank 2 6.25% $9,581
    THE MORTGAGE LINK, INC. 2 7.00% $13,090
    Prosperity Home Mortgage, LLC 2 5.69% $9,235
    TOP FLITE FINANCIAL, INC. 2 6.75% $7,476
    Paramount Residential Mortgage Group, Inc. 2 7.13% $4,971
    Truist 2 5.93% $10,376
    AmeriHome Mortgage Company, LLC 2 6.56% $5,443
    HOMESIDE FINANCIAL, LLC 2 6.50% $17,123
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.87% $8,609
    Nations Lending Corporation 2 6.38% $7,464
    ROSS MORTGAGE CORPORATION 2 7.13% $7,512
    PHH Mortgage Corporation 2 6.06% $4,563
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 2 6.25% $2,131
    NATIONS RELIABLE LENDING, LLC 2 6.31% $5,503
    South State Bank 2 6.00% $8,317
    JMAC LENDING, INC. 2 6.25% $4,307
    JPMorgan Chase Bank 2 5.74% $6,995
    Keystone Funding, Inc. 2 6.69% $10,785
    FIRST COMMUNITY MORTGAGE, INC. 1 6.13% $1,715
    FirstBank 1 6.63% $8,368
    DELMAR FINANCIAL COMPANY 1 6.63% $5,190
    PLAZA HOME MORTGAGE, INC. 1 7.00% $11,790
    Credence Funding Corporation 1 5.88% $2,305
    City National Bank of Florida 1 6.25% $4,052
    Centennial Bank 1 6.50% $5,443
    Regions Bank 1 5.75% $4,524
    RUOFF MORTGAGE COMPANY, INC. 1 5.50% $8,997
    Sierra Pacific Mortgage Company, Inc. 1 5.63% $10,199
    CARDINAL FINANCIAL 1 7.75% $5,299
    BECKAM FUNDING CORP. 1 7.75% $8,456
    The Loan Store, Inc. 1 6.75% $5,342
    BAY EQUITY LLC 1 7.25% $3,022
    TJC Mortgage, Inc. 1 5.63% $15,283
    Towne Bank 1 5.75% $5,744
    American Security Mortgage Corp. 1 6.63% $4,947
    ALLIED MORTGAGE GROUP, INC. 1 6.25% $3,210
    VAN DYK MORTGAGE CORPORATION 1 7.63% $569
    Vellum Mortgage, Inc. 1 6.50% $16,294
    INTELLILOAN, INC. 1 5.63% $1,027
    ALKAN MORTGAGE CORPORATION 1 6.50% $6,094
    JET DIRECT FUNDING CORP 1 5.75% $9,764
    Shea Mortgage Inc. 1 6.75% $5,053
    Lakeview Community Capital, LLC 1 6.50% $9,043
    Integrity Home Mortgage Corp 1 6.75% $12,079
    HOMESPIRE MORTGAGE CORPORATION 1 6.75% $7,272
    Magnolia Bank 1 6.25% $37,268
    V.I.P. MORTGAGE, INC. 1 6.63% $6,783
    Home Mortgage Alliance Corp 1 7.63% $7,305
    MILEND, INC. 1 7.63% $7,692
    MLB RESIDENTIAL LENDING, LLC 1 7.75% $3,910
    MORTGAGE EQUITY PARTNERS LLC 1 7.13% $16,078
    MORTGAGEONE, INC. 1 5.75% $6,786
    HOMEAMERICAN MORTGAGE CORPORATION 1 4.25% $0
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.25% $20,655
    Wells Fargo Bank 1 6.50% $2,521
    GUARANTEED RATE AFFINITY, LLC 1 5.75% $3,576
    GSF Mortgage Corporation 1 6.13% $1,175
    NATIONS DIRECT MORTGAGE, LLC 1 5.75% $22,522
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.75% $11,489
    GMFS LLC 1 6.50% $3,528
    NBH Bank 1 6.49% $3,604
    FLAT BRANCH MORTGAGE, INC. 1 7.13% $4,532
    NETWORK CAPITAL FUNDING CORPORATION 1 5.63% $12,800
    Network Funding, L.P. 1 6.25% $4,935
    First Option Mortgage, LLC 1 7.13% $12,978
    First Heritage Mortgage, LLC 1 6.13% $6,968

    The top Ocala VA lender as defined by loan originations is Mortgage Research Center, LLC, with 225 VA loans originated. Their average total fees are $6,082, which is $1,410 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Ocala VA lenders (with over 10 loans originated) are MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,364), PULTE MORTGAGE LLC ($4,390), GUARANTEED RATE, INC. ($4,426), EAGLE HOME MORTGAGE, LLC ($4,547) and DHI MORTGAGE COMPANY, LTD. ($4,668).

    The lowest rate Ocala VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.73%), DHI MORTGAGE COMPANY, LTD. (5.11%), PULTE MORTGAGE LLC (5.39%), CMG MORTGAGE, INC. (5.41%) and PENNYMAC LOAN SERVICES, LLC (5.75%).

    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.