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 6.61% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

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

    The average rate for the prior week (2025-03-28) was 6.43% and one month ago for the week of 2025-02-28, the average rate was 6.71%.

    The average rate one year ago was 6.62%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.93%.

    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%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Omaha (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 $268,225 (13.3%) $321,358 (12.5%) 0.99 2,014
    2018-02-01 $282,300 (10.9%) $333,461 (12.0%) 1.02 1,844
    2018-03-01 $288,000 (6.8%) $341,555 (11.6%) 1.01 1,894
    2018-04-01 $296,731 (7.9%) $360,461 (15.1%) 1.01 1,972
    2018-05-01 $293,313 (6.7%) $341,602 (6.3%) 0.98 2,099
    2018-06-01 $290,000 (6.5%) $345,813 (8.2%) 0.97 2,349
    2018-07-01 $287,900 (6.7%) $342,710 (7.5%) 0.96 2,510
    2018-08-01 $288,450 (9.5%) $338,516 (8.2%) 0.97 2,620
    2018-09-01 $279,900 (6.7%) $330,832 (6.0%) 0.94 2,782
    2018-10-01 $269,950 (3.9%) $323,471 (3.3%) 0.91 2,851
    2018-11-01 $269,150 (0.8%) $321,684 (0.5%) 0.91 2,778
    2018-12-01 $279,900 (5.6%) $328,080 (2.8%) 0.97 2,416
    2019-01-01 $285,000 (6.3%) $327,819 (2.0%) 0.98 2,143
    2019-02-01 $290,163 (2.8%) $333,690 (0.1%) 0.98 2,008
    2019-03-01 $303,157 (5.3%) $344,152 (0.8%) 0.99 1,938
    2019-04-01 $311,850 (5.1%) $349,640 (-3.0%) 0.99 1,934
    2019-05-01 $306,359 (4.5%) $351,253 (2.8%) 0.96 2,098
    2019-06-01 $299,000 (3.1%) $350,064 (1.2%) 0.93 2,259
    2019-07-01 $299,925 (4.2%) $353,546 (3.2%) 0.94 2,350
    2019-08-01 $298,155 (3.4%) $350,284 (3.5%) 0.94 2,443
    2019-09-01 $287,886 (2.9%) $339,241 (2.5%) 0.92 2,589
    2019-10-01 $279,950 (3.7%) $331,347 (2.4%) 0.90 2,672
    2019-11-01 $281,400 (4.6%) $331,683 (3.1%) 0.92 2,481
    2019-12-01 $283,250 (1.2%) $331,310 (1.0%) 0.94 2,175
    2020-01-01 $291,400 (2.3%) $340,449 (3.9%) 0.97 1,915
    2020-02-01 $305,000 (5.1%) $349,526 (4.8%) 1.00 1,802
    2020-03-01 $305,000 (0.6%) $355,773 (3.4%) 0.96 1,869
    2020-04-01 $306,250 (-1.8%) $354,846 (1.5%) 0.96 1,960
    2020-05-01 $315,000 (2.8%) $363,691 (3.5%) 0.96 1,894
    2020-06-01 $319,950 (7.0%) $369,718 (5.6%) 0.94 1,697
    2020-07-01 $319,600 (6.6%) $367,825 (4.0%) 0.93 1,622
    2020-08-01 $314,060 (5.3%) $367,129 (4.8%) 0.90 1,491
    2020-09-01 $308,500 (7.2%) $368,515 (8.6%) 0.88 1,482
    2020-10-01 $294,975 (5.4%) $362,051 (9.3%) 0.85 1,429
    2020-11-01 $288,750 (2.6%) $355,849 (7.3%) 0.84 1,342
    2020-12-01 $290,036 (2.4%) $357,124 (7.8%) 0.86 1,221
    2021-01-01 $315,000 (8.1%) $370,757 (8.9%) 0.94 1,009
    2021-02-01 $322,788 (5.8%) $386,675 (10.6%) 0.94 817
    2021-03-01 $322,075 (5.6%) $384,290 (8.0%) 0.91 840
    2021-04-01 $314,500 (2.7%) $386,328 (8.9%) 0.85 869
    2021-05-01 $305,000 (-3.2%) $391,828 (7.7%) 0.81 922
    2021-06-01 $297,975 (-6.9%) $382,130 (3.4%) 0.78 1,008
    2021-07-01 $289,900 (-9.3%) $371,666 (1.0%) 0.76 1,160
    2021-08-01 $289,900 (-7.7%) $370,023 (0.8%) 0.77 1,184
    2021-09-01 $292,316 (-5.3%) $363,857 (-1.3%) 0.78 1,230
    2021-10-01 $285,000 (-3.4%) $364,831 (0.8%) 0.76 1,229
    2021-11-01 $291,750 (1.0%) $365,592 (2.7%) 0.78 1,116
    2021-12-01 $302,500 (4.3%) $373,742 (4.7%) 0.82 886
    2022-01-01 $375,000 (19.1%) $414,472 (11.8%) 1.01 668
    2022-02-01 $392,050 (21.5%) $427,119 (10.5%) 1.02 614
    2022-03-01 $384,838 (19.5%) $424,718 (10.5%) 0.96 650
    2022-04-01 $375,000 (19.2%) $426,516 (10.4%) 0.89 718
    2022-05-01 $377,741 (23.9%) $435,088 (11.0%) 0.86 917
    2022-06-01 $379,995 (27.5%) $437,113 (14.4%) 0.85 1,098
    2022-07-01 $380,000 (31.1%) $440,422 (18.5%) 0.86 1,318
    2022-08-01 $379,950 (31.1%) $434,309 (17.4%) 0.88 1,549
    2022-09-01 $378,150 (29.4%) $433,609 (19.2%) 0.88 1,571
    2022-10-01 $389,000 (36.5%) $434,950 (19.2%) 0.92 1,743
    2022-11-01 $389,725 (33.6%) $428,454 (17.2%) 0.94 1,794
    2022-12-01 $399,000 (31.9%) $435,939 (16.6%) 0.99 1,591
    2023-01-01 $411,038 (9.6%) $447,341 (7.9%) 1.02 1,458
    2023-02-01 $428,250 (9.2%) $470,280 (10.1%) 1.03 1,309
    2023-03-01 $438,000 (13.8%) $482,056 (13.5%) 1.03 1,331
    2023-04-01 $435,000 (16.0%) $488,612 (14.6%) 1.01 1,339
    2023-05-01 $429,588 (13.7%) $492,283 (13.2%) 0.97 1,416
    2023-06-01 $420,000 (10.5%) $490,155 (12.1%) 0.94 1,545
    2023-07-01 $400,000 (5.3%) $477,529 (8.4%) 0.91 1,667
    2023-08-01 $399,823 (5.2%) $477,225 (9.9%) 0.92 1,681
    2023-09-01 $394,000 (4.2%) $463,966 (7.0%) 0.92 1,845
    2023-10-01 $389,450 (0.1%) $456,319 (4.9%) 0.92 1,998
    2023-11-01 $385,700 (-1.0%) $446,882 (4.3%) 0.92 2,106
    2023-12-01 $389,000 (-2.5%) $447,627 (2.7%) 0.95 2,010
    2024-01-01 $391,103 (-4.9%) $449,946 (0.6%) 0.96 1,777
    2024-02-01 $399,000 (-6.8%) $462,818 (-1.6%) 0.96 1,699
    2024-03-01 $402,418 (-8.1%) $473,349 (-1.8%) 0.95 1,772
    2024-04-01 $408,276 (-6.1%) $481,422 (-1.5%) 0.95 1,845
    2024-05-01 $411,200 (-4.3%) $493,105 (0.2%) 0.94 1,902
    2024-06-01 $400,000 (-4.8%) $479,819 (-2.1%) 0.91 2,060
    2024-07-01 $399,000 (-0.3%) $475,077 (-0.5%) 0.91 2,228
    2024-08-01 $399,305 (-0.1%) $475,759 (-0.3%) 0.93 2,253
    2024-09-01 $390,173 (-1.0%) $460,033 (-0.9%) 0.92 2,332
    2024-10-01 $385,000 (-1.1%) $456,257 (0.0%) 0.91 2,446
    2024-11-01 $379,250 (-1.7%) $450,096 (0.7%) 0.91 2,478
    2024-12-01 $377,050 (-3.1%) $445,169 (-0.6%) 0.94 2,210
    2025-01-01 $385,100 (-1.5%) $447,999 (-0.4%) 0.96 2,060
    2025-02-01 $392,450 (-1.6%) $454,222 (-1.9%) 0.95 2,009
    2025-03-01 $399,000 (-0.9%) $467,256 (-1.3%) 0.00 1,936
    Omaha's median listing price for 2025-03-01 was $399,000, a difference of $-3,418 (-0.9%) versus the prior year and $6,550 versus the prior month.

    Omaha's median listing price comes in at 0% of the national average.

    Omaha's average listing price for 2025-03-01 was $467,256, a difference of $-6,093 (-1.3%) versus the prior year and $13,034 versus the prior month.

    For the 2025-03-01 period, Omaha had 1,936 MLS listings, a difference of -73 listings (-4%) versus the prior month and 164 listings (9%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Omaha (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 61 days 2,079 sqft
    2018-02-01 54 days 2,169 sqft
    2018-03-01 43 days 2,284 sqft
    2018-04-01 37 days 2,349 sqft
    2018-05-01 36 days 2,318 sqft
    2018-06-01 25 days 2,338 sqft
    2018-07-01 30 days 2,303 sqft
    2018-08-01 32 days 2,315 sqft
    2018-09-01 37 days 2,282 sqft
    2018-10-01 38 days 2,197 sqft
    2018-11-01 43 days 2,153 sqft
    2018-12-01 54 days 2,135 sqft
    2019-01-01 56 days 2,133 sqft
    2019-02-01 46 days 2,197 sqft
    2019-03-01 41 days 2,302 sqft
    2019-04-01 29 days 2,366 sqft
    2019-05-01 27 days 2,365 sqft
    2019-06-01 30 days 2,310 sqft
    2019-07-01 33 days 2,357 sqft
    2019-08-01 34 days 2,329 sqft
    2019-09-01 34 days 2,251 sqft
    2019-10-01 36 days 2,183 sqft
    2019-11-01 47 days 2,153 sqft
    2019-12-01 60 days 2,129 sqft
    2020-01-01 62 days 2,153 sqft
    2020-02-01 48 days 2,194 sqft
    2020-03-01 43 days 2,223 sqft
    2020-04-01 42 days 2,279 sqft
    2020-05-01 47 days 2,325 sqft
    2020-06-01 48 days 2,302 sqft
    2020-07-01 50 days 2,301 sqft
    2020-08-01 46 days 2,236 sqft
    2020-09-01 43 days 2,210 sqft
    2020-10-01 45 days 2,097 sqft
    2020-11-01 48 days 2,004 sqft
    2020-12-01 51 days 1,997 sqft
    2021-01-01 53 days 1,975 sqft
    2021-02-01 52 days 2,094 sqft
    2021-03-01 42 days 2,135 sqft
    2021-04-01 34 days 2,135 sqft
    2021-05-01 33 days 2,154 sqft
    2021-06-01 33 days 2,118 sqft
    2021-07-01 33 days 2,038 sqft
    2021-08-01 33 days 2,037 sqft
    2021-09-01 36 days 1,956 sqft
    2021-10-01 37 days 1,963 sqft
    2021-11-01 42 days 1,922 sqft
    2021-12-01 49 days 1,930 sqft
    2022-01-01 47 days 2,079 sqft
    2022-02-01 35 days 2,181 sqft
    2022-03-01 32 days 2,149 sqft
    2022-04-01 29 days 2,160 sqft
    2022-05-01 29 days 2,205 sqft
    2022-06-01 30 days 2,259 sqft
    2022-07-01 31 days 2,286 sqft
    2022-08-01 32 days 2,171 sqft
    2022-09-01 42 days 2,137 sqft
    2022-10-01 39 days 2,200 sqft
    2022-11-01 44 days 2,163 sqft
    2022-12-01 57 days 2,166 sqft
    2023-01-01 67 days 2,199 sqft
    2023-02-01 53 days 2,246 sqft
    2023-03-01 50 days 2,283 sqft
    2023-04-01 49 days 2,302 sqft
    2023-05-01 44 days 2,279 sqft
    2023-06-01 42 days 2,298 sqft
    2023-07-01 38 days 2,224 sqft
    2023-08-01 37 days 2,238 sqft
    2023-09-01 36 days 2,201 sqft
    2023-10-01 37 days 2,190 sqft
    2023-11-01 39 days 2,193 sqft
    2023-12-01 45 days 2,198 sqft
    2024-01-01 55 days 2,196 sqft
    2024-02-01 49 days 2,196 sqft
    2024-03-01 39 days 2,169 sqft
    2024-04-01 40 days 2,205 sqft
    2024-05-01 37 days 2,230 sqft
    2024-06-01 38 days 2,216 sqft
    2024-07-01 38 days 2,211 sqft
    2024-08-01 43 days 2,236 sqft
    2024-09-01 44 days 2,191 sqft
    2024-10-01 42 days 2,184 sqft
    2024-11-01 47 days 2,140 sqft
    2024-12-01 58 days 2,101 sqft
    2025-01-01 56 days 2,128 sqft
    2025-02-01 45 days 2,158 sqft
    2025-03-01 0 days 2,201 sqft
    Omaha's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Omaha's median square footage for active listings during the 2025-03-01 period was 2,201 sqft. One year prior, the average listing was 2,169 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.