Omaha VA Loan Rates, Closing Costs & Stats

OMAHA-COUNCIL BLUFFS, NE-IA

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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.

    Omaha's 113 lenders originated 2,311 VA loans during 2024. The total origination value was $793,825,000, with an average VA loan value of $343,498.

    Omaha VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Omaha averaged 0.55% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Omaha's average VA mortgage closing costs are $5,584.

    The average rate for the prior week (2025-06-13) was 7% and one month ago for the week of 2025-05-16, the average rate was 6.86%.

    The average rate one year ago was 6.66%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.17%.

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

    Omaha 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 Omaha level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 437 6.32% $5,928
    UNITED WHOLESALE MORTGAGE, LLC 171 6.02% $7,045
    PENNYMAC LOAN SERVICES, LLC 85 5.61% $7,907
    NAVY FEDERAL CREDIT UNION 84 5.97% $5,397
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 75 6.26% $7,229
    CHARTER WEST BANK 70 6.16% $7,892
    QUICKEN LOANS, LLC 65 6.05% $9,440
    FREEDOM MORTGAGE CORPORATION 65 6.31% $6,683
    GUARANTEED RATE, INC. 63 6.17% $6,068
    DHI MORTGAGE COMPANY, LTD. 58 5.39% $9,638
    CMG MORTGAGE, INC. 56 6.10% $9,268
    First National Bank of Omaha 46 6.34% $6,549
    CROSSCOUNTRY MORTGAGE, LLC 42 6.45% $7,747
    Access Bank 42 6.12% $6,377
    NEWREZ LLC 40 6.20% $7,307
    GUILD MORTGAGE COMPANY 39 5.87% $7,656
    West Gate Bank 37 5.92% $6,949
    USAA Federal Savings Bank 36 6.27% $7,106
    Core Bank 36 6.04% $6,748
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 32 6.22% $7,894
    NEW DAY FINANCIAL, LLC 28 7.27% $8,388
    PLANET HOME LENDING, LLC 27 5.80% $4,210
    Prosperity Home Mortgage, LLC 27 6.35% $5,928
    VERIDIAN CREDIT UNION 26 5.59% $5,663
    Plains Commerce Bank 22 6.07% $8,340
    LOANDEPOT.COM, LLC 21 6.09% $8,660
    CHURCHILL MORTGAGE CORPORATION 21 6.56% $10,269
    Regent Financial Group, Inc. 21 6.26% $7,907
    The Federal Savings Bank 20 6.21% $15,618
    NBKC BANK 18 5.91% $7,451
    Pinnacle Bank 18 5.86% $6,184
    VILLAGE CAPITAL MORTGAGE 17 5.80% $4,328
    MORIA DEVELOPMENT, INC. 16 6.22% $4,940
    Arbor Bank 15 6.26% $5,372
    LAKEVIEW LOAN SERVICING, LLC 14 5.87% $6,787
    Mr. Cooper ( Nationstar Mortgage ) 13 6.12% $8,656
    CASTLE & COOKE MORTGAGE, LLC 12 6.15% $8,895
    Cobalt Credit Union 11 6.02% $5,944
    PENTAGON FEDERAL CREDIT UNION 10 6.30% $6,529
    MUTUAL OF OMAHA MORTGAGE, INC. 10 6.09% $10,633
    American National Bank 10 6.07% $9,030
    U.S. Bank 9 6.18% $8,838
    MORTGAGE SOLUTIONS OF COLORADO, LLC 9 6.47% $6,340
    Barrington Bank & Trust Company, N.A. 8 6.44% $5,340
    CLEARPATH LENDING 8 5.95% $7,479
    American Mortgage & Equity Consultants, Inc. 8 6.50% $11,024
    BROKER SOLUTIONS, INC. 7 6.71% $7,784
    First Federal Bank 7 5.71% $5,630
    Flagstar Bank, FSB 7 5.99% $4,331
    GERSHMAN INVESTMENT CORP. 7 6.11% $6,029
    Union Bank and Trust Company 7 6.48% $8,823
    First Bank 6 6.33% $6,556
    FLAT BRANCH MORTGAGE, INC. 6 6.40% $6,390
    UNION HOME MORTGAGE CORP. 6 6.15% $9,258
    MOVEMENT MORTGAGE, LLC 5 6.38% $10,377
    Gateway First Bank 5 5.95% $5,803
    Carrington Mortgage Services, LLC 5 6.05% $5,503
    First State Bank 4 5.84% $8,334
    Northwest Bank 4 5.81% $6,466
    TruHome Solutions, LLC 4 6.03% $8,921
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 6.44% $1,448
    Wells Fargo Bank 3 6.29% $8,120
    LIBERTY FIRST 3 6.33% $4,049
    FIRST COMMUNITY MORTGAGE, INC. 3 6.33% $10,872
    Lincoln FSB of Nebraska 3 5.79% $10,500
    PREMIA MORTGAGE, LLC 3 6.10% $3,744
    V.I.P. MORTGAGE, INC. 3 6.04% $12,530
    Old National Bank 3 5.79% $4,929
    AMERICAN FINANCING CORPORATION 3 5.46% $21,153
    Equity Prime Mortgage LLC 3 6.29% $11,920
    SUN WEST MORTGAGE COMPANY, INC. 3 6.37% $6,723
    AMERISAVE MORTGAGE CORPORATION 3 5.83% $18,421
    Magnolia Bank 3 6.17% $14,588
    Granite Community Bank 2 6.38% $8,174
    JPMorgan Chase Bank 2 5.94% $11,864
    Flanagan State Bank 2 5.94% $5,189
    Farmers Bank & Trust 2 6.18% $9,292
    EVERETT FINANCIAL, INC. 2 6.69% $29,363
    Dundee Bank 2 6.25% $6,705
    Northpointe Bank 2 6.44% $18,589
    CENTENNIAL LENDING, LLC 2 6.25% $3,419
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 5.94% $1,545
    Armed Forces Bank 2 5.88% $8,151
    ALLIANT CREDIT UNION 2 5.75% $7,007
    PLAZA HOME MORTGAGE, INC. 1 6.00% $9,616
    COMMUNITYAMERICA 1 6.13% $3,385
    HOMESIDE FINANCIAL, LLC 1 6.75% $7,296
    Cornerstone First Mortgage, Inc 1 5.38% $17,891
    CARDINAL FINANCIAL 1 5.38% $12,741
    BMO Harris Bank 1 5.88% $16,956
    Security First Bank 1 6.00% $2,225
    Service Federal Credit Union 1 6.50% $15,203
    Servion, Inc. 1 6.00% $10,446
    Stride Bank 1 6.63% $2,813
    Paramount Residential Mortgage Group, Inc. 1 6.25% $1,351
    Texana Bank 1 6.00% $5,556
    The Central Trust Bank 1 6.63% $9,836
    Bell Bank 1 5.75% $14,494
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 5.75% $6,897
    Truist 1 6.25% $2,248
    UMB Bank 1 6.25% $8,475
    ZILLOW HOME LOANS, LLC 1 5.75% $6,529
    NFM, INC. 1 7.63% $5,839
    GENEVA FINANCIAL, LLC 1 6.75% $7,517
    DELMAR FINANCIAL COMPANY 1 7.00% $3,499
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $11,836
    US MORTGAGE CORPORATION 1 7.13% $3,756
    NBH Bank 1 5.75% $4,121
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.25% $22,442
    PHH Mortgage Corporation 1 6.99% $4,925
    Chambers Bank 1 6.63% $8,566
    CENTRIS FEDERAL CREDIT UNION 1 7.00% $16,566
    Ixonia Bank 1 5.63% $19,397

    The top Omaha VA lender as defined by loan originations is Mortgage Research Center, LLC, with 437 VA loans originated. Their average total fees are $5,928, which is $1,117 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Omaha VA lenders (with over 10 loans originated) are PLANET HOME LENDING, LLC ($4,210), VILLAGE CAPITAL MORTGAGE ($4,328), MORIA DEVELOPMENT, INC. ($4,940), Arbor Bank ($5,372) and NAVY FEDERAL CREDIT UNION ($5,397).

    The lowest rate Omaha VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.39%), VERIDIAN CREDIT UNION (5.59%), PENNYMAC LOAN SERVICES, LLC (5.61%), PLANET HOME LENDING, LLC (5.80%) and VILLAGE CAPITAL MORTGAGE (5.80%).

    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.