Orlando VA Loan Rates, Closing Costs & Stats

ORLANDO-KISSIMMEE-SANFORD, 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.

    Orlando's 203 lenders originated 3,942 VA loans during 2024. The total origination value was $1,732,360,000, with an average VA loan value of $439,462.

    Orlando VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Orlando averaged 0.2% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Orlando's average VA mortgage closing costs are $7,190.

    The average rate for the prior week (2025-06-27) was 6.53% and one month ago for the week of 2025-05-30, the average rate was 6.96%.

    The average rate one year ago was 6.57%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.12%.

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

    Orlando 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 Orlando level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 539 5.95% $9,395
    Mortgage Research Center, LLC 388 6.34% $7,973
    QUICKEN LOANS, LLC 282 5.98% $12,558
    FREEDOM MORTGAGE CORPORATION 221 6.14% $12,826
    DHI MORTGAGE COMPANY, LTD. 155 5.23% $5,991
    NAVY FEDERAL CREDIT UNION 130 5.83% $6,946
    PULTE MORTGAGE LLC 103 5.63% $5,838
    VILLAGE CAPITAL MORTGAGE 82 5.74% $7,110
    NEWREZ LLC 75 6.07% $9,071
    CROSSCOUNTRY MORTGAGE, LLC 69 6.34% $10,568
    EAGLE HOME MORTGAGE, LLC 68 5.39% $5,933
    USAA Federal Savings Bank 67 6.28% $8,949
    NEW DAY FINANCIAL, LLC 64 7.57% $17,085
    LOANDEPOT.COM, LLC 59 5.85% $13,274
    PENNYMAC LOAN SERVICES, LLC 52 5.68% $9,490
    FBC MORTGAGE, LLC 48 6.02% $8,866
    GUARANTEED RATE, INC. 47 6.20% $8,545
    NFM, INC. 43 5.57% $11,568
    ALKAN MORTGAGE CORPORATION 31 6.56% $13,306
    Equity Prime Mortgage LLC 30 6.37% $13,220
    BROKER SOLUTIONS, INC. 29 6.36% $14,154
    MOVEMENT MORTGAGE, LLC 27 6.49% $10,964
    HOMEAMERICAN MORTGAGE CORPORATION 27 4.95% $4,211
    KBHS HOME LOANS, LLC 27 5.95% $6,009
    M/I FINANCIAL, LLC 27 5.88% $16,544
    The Federal Savings Bank 25 6.29% $20,003
    PLANET HOME LENDING, LLC 25 6.03% $5,647
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 24 6.57% $8,479
    THE MORTGAGE FIRM, INC. 24 6.49% $7,714
    Waterstone Mortgage Corporation 24 6.52% $13,618
    Plains Commerce Bank 23 6.45% $10,623
    South Pacific Financial Corporation 23 5.12% $8,488
    Flagstar Bank, FSB 21 6.41% $10,837
    Mr. Cooper ( Nationstar Mortgage ) 20 6.29% $15,342
    CMG MORTGAGE, INC. 20 6.21% $10,862
    LAKEVIEW LOAN SERVICING, LLC 20 5.59% $6,059
    CANOPY MORTGAGE, LLC 19 6.19% $15,580
    SUN WEST MORTGAGE COMPANY, INC. 19 6.18% $13,270
    GUILD MORTGAGE COMPANY 19 6.19% $9,606
    Carrington Mortgage Services, LLC 18 5.99% $12,202
    MORTGAGE SOLUTIONS OF COLORADO, LLC 18 7.25% $5,988
    NORTHPOINT MORTGAGE, INC. 18 6.36% $7,983
    JET HOMELOANS, LLC 18 5.86% $8,864
    UNION HOME MORTGAGE CORP. 17 6.29% $7,326
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 17 6.56% $9,169
    Barrington Bank & Trust Company, N.A. 17 6.23% $7,112
    CLEARPATH LENDING 16 5.62% $8,770
    Lakeview Community Capital, LLC 15 5.88% $5,265
    MICHIGAN MUTUAL, INC. 15 6.55% $8,767
    PENTAGON FEDERAL CREDIT UNION 14 6.08% $9,706
    Ixonia Bank 14 6.67% $9,737
    GUARANTEED RATE AFFINITY, LLC 14 6.29% $9,001
    NVR Mortgage Finance, Inc. 13 5.79% $7,452
    EVERETT FINANCIAL, INC. 13 6.97% $12,129
    Mid-Continent Funding, Inc. 13 5.94% $8,273
    JPMorgan Chase Bank 13 5.98% $4,337
    Paramount Residential Mortgage Group, Inc. 13 6.56% $12,670
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 12 6.16% $10,442
    MATTAMY HOME FUNDING, LLC 12 5.80% $9,266
    Wells Fargo Bank 12 5.51% $12,132
    First Heritage Mortgage, LLC 12 5.45% $14,342
    ZILLOW HOME LOANS, LLC 10 6.01% $11,924
    AMERISAVE MORTGAGE CORPORATION 10 5.80% $24,450
    First Federal Bank 10 5.59% $5,384
    MORTGAGE FINANCIAL GROUP, INC. 10 6.23% $9,120
    NBKC BANK 10 5.87% $11,007
    VELOCIO MORTGAGE L.L.C. 10 4.97% $8,508
    MUTUAL OF OMAHA MORTGAGE, INC. 9 6.24% $17,586
    LOANPAL, LLC 9 5.60% $12,368
    HOMEBRIDGE FINANCIAL SERVICES, INC. 8 6.33% $8,886
    FIRST COMMUNITY MORTGAGE, INC. 8 6.31% $10,608
    AMERICAN FINANCIAL NETWORK, INC. 8 6.58% $8,834
    BAY EQUITY LLC 8 6.14% $5,559
    HOMESIDE FINANCIAL, LLC 7 6.23% $15,517
    Truist 7 6.41% $7,870
    ACOPIA, LLC 7 6.16% $2,211
    PARK SQUARE HOME MORTGAGE, LLC 7 5.39% $4,455
    Magnolia Bank 7 5.64% $19,959
    SUCCESS MORTGAGE PARTNERS, INC. 7 5.73% $16,331
    EMM LOANS LLC 6 6.31% $18,434
    Nations Lending Corporation 6 6.65% $18,051
    CARDINAL FINANCIAL 6 6.48% $9,388
    Regions Bank 6 6.35% $11,703
    AMERICAN PACIFIC MORTGAGE CORPORATION 6 6.71% $12,554
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 6 6.33% $9,332
    PLAZA HOME MORTGAGE, INC. 6 6.17% $11,576
    Ameris Bank 6 6.15% $8,564
    South State Bank 5 5.75% $15,661
    HOME SOLUTION LENDERS INC. 5 6.12% $12,967
    MORTGAGE EQUITY PARTNERS LLC 5 6.62% $16,789
    Armed Forces Bank 5 5.90% $4,463
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 5 6.55% $12,488
    VANDERBILT MORTGAGE AND FINANCE, INC. 5 5.47% $2,809
    EMBRACE HOME LOANS, INC. 5 6.40% $8,474
    GoPrime Mortgage, Inc. 5 6.33% $13,326
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.55% $10,458
    Mortgage Lenders Investment Trading Corporation 5 6.78% $10,472
    U.S. Bank 4 6.38% $6,666
    FIRST COLONY MORTGAGE CORPORATION 4 6.06% $8,025
    Century Mortgage Company DBA Century Lending Company 4 5.81% $12,139
    DYBN FINANCIAL CORP. 4 6.34% $9,712
    PHH Mortgage Corporation 4 5.59% $10,084
    Alcova Mortgage LLC 4 6.22% $4,384
    Cornerstone First Mortgage, Inc 4 5.97% $13,117
    American Mortgage & Equity Consultants, Inc. 3 6.25% $9,236
    HOMESPIRE MORTGAGE CORPORATION 3 6.42% $10,824
    AMERICAN BANCSHARES MORTGAGE 3 6.67% $10,366
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 5.92% $10,072
    JMAC LENDING, INC. 3 6.17% $9,748
    Prosperity Home Mortgage, LLC 3 6.63% $10,695
    Keystone Funding, Inc. 3 6.33% $6,522
    NP, Inc. 3 6.50% $7,687
    LEADERONE FINANCIAL CORPORATION 3 6.16% $17,152
    NORWICH COMMERCIAL GROUP, INC. 3 6.08% $8,627
    LOANFLIGHT LENDING, LLC 3 5.54% $2,562
    AmeriHome Mortgage Company, LLC 3 5.99% $2,257
    CHURCHILL MORTGAGE CORPORATION 3 6.50% $14,003
    TOWNE MORTGAGE COMPANY 3 5.46% $12,549
    TBI MORTGAGE COMPANY 3 5.67% $9,509
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.25% $22,705
    FIRST MORTGAGE COMPANY, INC. 2 6.13% $15,738
    GARDNER FINANCIAL SERVICES, LTD. 2 6.69% $17,426
    GERSHMAN INVESTMENT CORP. 2 5.81% $25,769
    Credence Funding Corporation 2 5.69% $8,149
    LADERA LENDING, INC. 2 6.44% $13,749
    Capital Bank 2 6.13% $5,463
    CALCON MUTUAL MORTGAGE LLC 2 6.63% $23,777
    MY MORTGAGE, INC. 2 6.19% $17,048
    NATIONS DIRECT MORTGAGE, LLC 2 6.69% $8,924
    NATIONWIDE MORTGAGE BANKERS, INC. 2 6.50% $22,532
    BAYSHORE MORTGAGE FUNDING, LLC 2 6.56% $36,714
    OceanFirst Bank 2 5.63% $12,138
    OCMBC, INC. 2 6.44% $7,693
    PREMIA MORTGAGE, LLC 2 5.87% $14,171
    Residential Mortgage Solutions, Inc. 2 6.44% $6,839
    SeaTrust Mortgage Company 2 6.19% $11,727
    SOUTHPOINT FINANCIAL SERVICES, INC. 2 6.13% $5,130
    STOCKTON MORTGAGE CORPORATION 2 6.00% $19,169
    T2 FINANCIAL LLC 2 6.75% $13,367
    Texana Bank 2 5.94% $22,541
    AMERICAN FINANCING CORPORATION 2 5.37% $12,598
    The Loan Store, Inc. 2 6.00% $8,378
    TOP FLITE FINANCIAL, INC. 2 6.19% $13,761
    VERITAS FUNDING, LLC 2 6.19% $16,630
    First Horizon Bank 2 5.81% $15,600
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 5.13% $5,772
    OPEN MORTGAGE, LLC 1 6.25% $6,068
    Atlantic Coast Mortgage, LLC 1 5.50% $11,053
    Midwest Mortgage Associates Corporation 1 5.75% $8,055
    Citizens Bank 1 5.75% $5,637
    METROPLEX MORTGAGE SERVICES, INC. 1 5.99% $8,063
    MEGASTAR FINANCIAL CORP. 1 6.25% $11,713
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 7.13% $14,652
    City National Bank of Florida 1 6.25% $6,280
    COMMUNITYAMERICA 1 6.63% $6,411
    POINT Mortgage 1 7.00% $11,291
    United Bank 1 6.63% $4,056
    Preston Home Loans Inc 1 5.63% $17,716
    CONTOUR MORTGAGE CORPORATION 1 6.13% $8,088
    Countybank 1 5.75% $15,880
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 7.25% $11,937
    DAS Acquisition Company, LLC 1 6.63% $275
    DELMAR FINANCIAL COMPANY 1 5.75% $6,682
    RELIANCE FIRST CAPITAL, LLC 1 6.63% $15,227
    GENEVA FINANCIAL, LLC 1 6.00% $23,247
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 7.25% $7,472
    S1L, Inc. 1 7.13% $5,798
    ALLIED MORTGAGE GROUP, INC. 1 5.25% $10,717
    INTELLILOAN, INC. 1 6.88% $1,127
    Gateway First Bank 1 6.63% $13,986
    INSIGHT 1 6.13% $17,961
    Fifth Third Bank 1 6.13% $12,814
    Hometown Equity Mortgage, LLC 1 7.25% $14,724
    SUMMIT FUNDING, INC. 1 6.50% $15,346
    Summit Mortgage Corporation 1 6.75% $11,627
    HomePromise Corporation 1 7.50% $760
    SWBC MORTGAGE CORPORATION 1 7.25% $575
    VAN DYK MORTGAGE CORPORATION 1 6.99% $759
    DIRECTIONS EQUITY, LLC 1 6.63% $6,897
    TD Bank 1 7.00% $3,927
    TEACHERS 1 6.63% $14,195
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.75% $11,990
    The Central Trust Bank 1 5.75% $32,944
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 7.25% $6,058
    Franklin Loan Corporation 1 5.75% $14,610
    Centennial Bank 1 5.63% $8,470
    First Mid Bank & Trust 1 6.25% $5,880
    TJC Mortgage, Inc. 1 6.75% $18,672
    MORTGAGEONE, INC. 1 6.38% $9,674
    Florida Capital Bank 1 6.25% $17,206
    BETTER MORTGAGE CORPORATION 1 5.25% $21,586
    MORTGAGE INVESTORS GROUP, INC. 1 7.25% $5,492
    NETWORK CAPITAL FUNDING CORPORATION 1 5.75% $8,971
    Bell Bank 1 7.25% $13,903
    HARBORONE MORTGAGE, LLC 1 5.63% $18,879
    ALAMEDA MORTGAGE CORPORATION 1 5.75% $3,853
    North American Savings Bank, F.S.B. 1 5.75% $893
    BankPlus 1 6.13% $8,173
    MORTGAGE ACCESS CORP. 1 5.25% $10,877
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.75% $2,912
    MILEND, INC. 1 7.25% $18,430
    Bank of America 1 6.50% $0
    Hancock Whitney Bank 1 6.25% $6,639

    The top Orlando VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 539 VA loans originated. Their average total fees are $9,395, which is $1,422 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Orlando VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($4,211), JPMorgan Chase Bank ($4,337), Lakeview Community Capital, LLC ($5,265), First Federal Bank ($5,384) and PLANET HOME LENDING, LLC ($5,647).

    The lowest rate Orlando VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (4.95%), VELOCIO MORTGAGE L.L.C. (4.97%), South Pacific Financial Corporation (5.12%), DHI MORTGAGE COMPANY, LTD. (5.23%) and EAGLE HOME MORTGAGE, LLC (5.39%).

    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.