Pahrump VA Loan Rates, Closing Costs & Stats

Pahrump, NV

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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.

    Pahrump's 65 lenders originated 295 VA loans during 2024. The total origination value was $99,895,000, with an average VA loan value of $338,627.

    Pahrump VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pahrump averaged 6.76% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Pahrump's average VA mortgage closing costs are $6,366.

    The average rate for the prior week (2025-05-16) was 6.75% and one month ago for the week of 2025-04-18, the average rate was 6.82%.

    The average rate one year ago was 6.74%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.49%.

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

    Pahrump 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 Pahrump level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 37 6.52% $7,518
    UNITED WHOLESALE MORTGAGE, LLC 36 6.19% $9,036
    South Pacific Financial Corporation 18 5.42% $6,670
    GUILD MORTGAGE COMPANY 17 6.49% $7,865
    QUICKEN LOANS, LLC 15 5.76% $11,674
    FREEDOM MORTGAGE CORPORATION 15 6.05% $8,405
    LOANDEPOT.COM, LLC 10 6.12% $8,366
    NAVY FEDERAL CREDIT UNION 7 6.14% $6,057
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 6.40% $6,863
    SECURITYNATIONAL MORTGAGE COMPANY 6 6.35% $11,890
    CROSSCOUNTRY MORTGAGE, LLC 6 6.41% $12,198
    VILLAGE CAPITAL MORTGAGE 6 5.71% $3,600
    CLEARPATH LENDING 5 5.42% $9,581
    AXIA FINANCIAL, LLC 5 6.80% $7,951
    GUARANTEED RATE, INC. 5 6.40% $8,569
    Mr. Cooper ( Nationstar Mortgage ) 5 6.13% $7,430
    LEADERONE FINANCIAL CORPORATION 4 7.13% $9,594
    BROKER SOLUTIONS, INC. 4 6.87% $6,072
    NEWREZ LLC 4 6.09% $5,753
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 7.25% $4,917
    CMG MORTGAGE, INC. 4 6.50% $8,913
    HOMEAMERICAN MORTGAGE CORPORATION 3 4.71% $4,932
    USAA Federal Savings Bank 3 6.42% $4,765
    SUN WEST MORTGAGE COMPANY, INC. 3 6.38% $13,029
    NEW DAY FINANCIAL, LLC 3 7.29% $16,100
    DHI MORTGAGE COMPANY, LTD. 3 5.32% $5,264
    DIRECT MORTGAGE LOANS, LLC 2 7.13% $6,765
    JPMorgan Chase Bank 2 6.19% $5,786
    LAKEVIEW LOAN SERVICING, LLC 2 6.00% $3,442
    Magnolia Bank 2 5.75% $13,044
    MOVEMENT MORTGAGE, LLC 2 6.69% $5,931
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.75% $7,941
    PENNYMAC LOAN SERVICES, LLC 2 5.99% $8,318
    Performance Financial, Inc. 2 6.31% $4,748
    Prosperity Home Mortgage, LLC 2 5.75% $7,502
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.50% $4,620
    The Loan Store, Inc. 2 6.06% $13,524
    Equity Prime Mortgage LLC 2 6.38% $6,711
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 6.50% $5,350
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.25% $26,667
    Carrington Mortgage Services, LLC 1 6.25% $7,315
    GENEVA FINANCIAL, LLC 1 6.75% $15,634
    Gateway First Bank 1 6.63% $7,629
    Paramount Residential Mortgage Group, Inc. 1 6.13% $5,192
    First Federal Bank 1 6.25% $2,242
    PENTAGON FEDERAL CREDIT UNION 1 5.75% $19,722
    Umpqua Bank 1 6.38% $7,777
    PHH Mortgage Corporation 1 5.49% $1,215
    PLANET HOME LENDING, LLC 1 6.88% $5,862
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.75% $9,883
    UNITED MORTGAGE CORP 1 6.63% $9,471
    Franklin Loan Corporation 1 6.13% $16,105
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 5.63% $6,961
    INTERCAP LENDING INC. 1 5.63% $4,517
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.50% $2,365
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.13% $5,410
    LAND HOME FINANCIAL SERVICES, INC. 1 5.75% $20,636
    HOMESIDE FINANCIAL, LLC 1 6.25% $7,221
    DATA MORTGAGE, INC. 1 6.13% $8,507
    Flagstar Bank, FSB 1 6.00% $21,294
    AMERICA FIRST 1 5.13% $6,129
    AMERICAN FINANCIAL NETWORK, INC. 1 6.25% $14,257
    The Federal Savings Bank 1 6.00% $26,296
    ZILLOW HOME LOANS, LLC 1 6.50% $21,376
    The Huntington National Bank 1 6.88% $3,107

    The top Pahrump VA lender as defined by loan originations is Mortgage Research Center, LLC, with 37 VA loans originated. Their average total fees are $7,518, which is $1,519 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Pahrump VA lenders (with over 10 loans originated) are South Pacific Financial Corporation ($6,670), Mortgage Research Center, LLC ($7,518), GUILD MORTGAGE COMPANY ($7,865), LOANDEPOT.COM, LLC ($8,366) and FREEDOM MORTGAGE CORPORATION ($8,405).

    The lowest rate Pahrump VA lenders (with over 10 loans originated) are South Pacific Financial Corporation (5.42%), QUICKEN LOANS, LLC (5.76%), FREEDOM MORTGAGE CORPORATION (6.05%), LOANDEPOT.COM, LLC (6.12%) and UNITED WHOLESALE MORTGAGE, LLC (6.19%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Pahrump (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 $263,700 (18.8%) $281,437 (14.2%) 0.00 130
    2018-02-01 $266,000 (17.1%) $280,221 (7.4%) 0.00 146
    2018-03-01 $278,900 (22.9%) $318,389 (18.7%) 0.00 136
    2018-04-01 $280,475 (22.0%) $328,781 (19.6%) 0.00 120
    2018-05-01 $278,485 (19.0%) $324,247 (17.5%) 0.00 116
    2018-06-01 $294,900 (19.4%) $333,482 (17.3%) 0.00 133
    2018-07-01 $284,450 (15.9%) $334,272 (19.1%) 0.00 146
    2018-08-01 $284,725 (14.4%) $337,928 (20.9%) 0.00 166
    2018-09-01 $284,900 (16.3%) $330,004 (17.4%) 0.00 188
    2018-10-01 $290,675 (18.7%) $321,847 (13.1%) 0.00 195
    2018-11-01 $290,000 (16.5%) $323,765 (11.4%) 0.00 203
    2018-12-01 $286,750 (12.9%) $316,815 (10.0%) 0.00 204
    2019-01-01 $289,875 (9.9%) $311,005 (10.5%) 0.00 205
    2019-02-01 $289,150 (8.7%) $311,746 (11.3%) 0.00 205
    2019-03-01 $287,856 (3.2%) $305,654 (-4.0%) 0.00 195
    2019-04-01 $285,000 (1.6%) $300,846 (-8.5%) 0.00 183
    2019-05-01 $279,675 (0.4%) $296,390 (-8.6%) 0.00 198
    2019-06-01 $289,630 (-1.8%) $296,706 (-11.0%) 0.00 208
    2019-07-01 $285,000 (0.2%) $296,308 (-11.4%) 0.00 209
    2019-08-01 $280,636 (-1.4%) $293,613 (-13.1%) 0.00 235
    2019-09-01 $274,091 (-3.8%) $289,167 (-12.4%) 0.00 276
    2019-10-01 $269,894 (-7.2%) $287,501 (-10.7%) 0.00 303
    2019-11-01 $285,000 (-1.7%) $298,948 (-7.7%) 0.00 259
    2019-12-01 $289,665 (1.0%) $300,599 (-5.1%) 0.00 237
    2020-01-01 $288,674 (-0.4%) $301,885 (-2.9%) 0.00 221
    2020-02-01 $290,000 (0.3%) $316,900 (1.7%) 0.00 220
    2020-03-01 $289,963 (0.7%) $313,857 (2.7%) 0.00 224
    2020-04-01 $289,900 (1.7%) $321,562 (6.9%) 0.00 218
    2020-05-01 $289,900 (3.7%) $319,863 (7.9%) 0.00 213
    2020-06-01 $294,500 (1.7%) $309,848 (4.4%) 0.00 213
    2020-07-01 $289,000 (1.4%) $319,323 (7.8%) 0.00 203
    2020-08-01 $297,950 (6.2%) $331,019 (12.7%) 0.00 151
    2020-09-01 $293,750 (7.2%) $333,140 (15.2%) 0.00 145
    2020-10-01 $309,997 (14.9%) $349,595 (21.6%) 0.00 132
    2020-11-01 $299,999 (5.3%) $347,820 (16.4%) 0.00 122
    2020-12-01 $302,495 (4.4%) $350,982 (16.8%) 0.00 109
    2021-01-01 $299,990 (3.9%) $347,886 (15.2%) 0.00 101
    2021-02-01 $299,988 (3.4%) $335,334 (5.8%) 0.00 116
    2021-03-01 $310,223 (7.0%) $336,929 (7.4%) 0.00 107
    2021-04-01 $323,750 (11.7%) $354,796 (10.3%) 0.00 103
    2021-05-01 $349,900 (20.7%) $377,184 (17.9%) 0.00 99
    2021-06-01 $359,950 (22.2%) $389,229 (25.6%) 0.00 122
    2021-07-01 $359,999 (24.6%) $398,835 (24.9%) 0.00 140
    2021-08-01 $369,000 (23.9%) $406,848 (22.9%) 0.00 147
    2021-09-01 $374,975 (27.7%) $407,297 (22.3%) 0.00 179
    2021-10-01 $379,000 (22.3%) $412,898 (18.1%) 0.00 183
    2021-11-01 $379,059 (26.4%) $408,391 (17.4%) 0.00 174
    2021-12-01 $381,222 (26.0%) $411,925 (17.4%) 0.00 154
    2022-01-01 $380,000 (26.7%) $421,175 (21.1%) 0.00 140
    2022-02-01 $394,925 (31.7%) $421,145 (25.6%) 0.00 147
    2022-03-01 $417,225 (34.5%) $434,943 (29.1%) 0.00 139
    2022-04-01 $435,000 (34.4%) $459,953 (29.6%) 0.00 140
    2022-05-01 $437,000 (24.9%) $463,271 (22.8%) 0.00 156
    2022-06-01 $434,250 (20.6%) $477,758 (22.7%) 0.00 199
    2022-07-01 $425,000 (18.1%) $471,275 (18.2%) 0.00 254
    2022-08-01 $416,975 (13.0%) $458,841 (12.8%) 0.00 266
    2022-09-01 $403,097 (7.5%) $456,411 (12.1%) 0.00 282
    2022-10-01 $399,900 (5.5%) $440,364 (6.7%) 0.00 281
    2022-11-01 $399,000 (5.3%) $431,116 (5.6%) 0.00 278
    2022-12-01 $396,500 (4.0%) $426,936 (3.6%) 0.00 258
    2023-01-01 $396,500 (4.3%) $417,865 (-0.8%) 0.00 228
    2023-02-01 $395,675 (0.2%) $415,690 (-1.3%) 0.00 244
    2023-03-01 $399,900 (-4.2%) $420,913 (-3.2%) 0.00 251
    2023-04-01 $400,000 (-8.1%) $429,692 (-6.6%) 0.00 245
    2023-05-01 $391,124 (-10.5%) $420,138 (-9.3%) 0.00 286
    2023-06-01 $398,000 (-8.4%) $423,041 (-11.5%) 0.00 297
    2023-07-01 $399,900 (-5.9%) $429,511 (-8.9%) 0.00 282
    2023-08-01 $393,973 (-5.5%) $424,718 (-7.4%) 0.00 289
    2023-09-01 $395,000 (-2.0%) $450,970 (-1.2%) 0.00 226
    2023-10-01 $396,500 (-0.9%) $451,295 (2.5%) 0.00 227
    2023-11-01 $399,000 (0.0%) $453,434 (5.2%) 0.00 209
    2023-12-01 $399,999 (0.9%) $446,140 (4.5%) 0.00 207
    2024-01-01 $406,225 (2.5%) $445,562 (6.6%) 0.00 200
    2024-02-01 $419,950 (6.1%) $450,349 (8.3%) 0.00 200
    2024-03-01 $419,450 (4.9%) $462,117 (9.8%) 0.00 212
    2024-04-01 $416,249 (4.1%) $466,356 (8.5%) 0.00 203
    2024-05-01 $418,738 (7.1%) $447,485 (6.5%) 0.00 199
    2024-06-01 $429,250 (7.9%) $458,690 (8.4%) 0.00 189
    2024-07-01 $425,000 (6.3%) $470,410 (9.5%) 0.00 211
    2024-08-01 $430,000 (9.1%) $469,484 (10.5%) 0.00 234
    2024-09-01 $424,950 (7.6%) $476,181 (5.6%) 0.00 243
    2024-10-01 $419,825 (5.9%) $481,814 (6.8%) 0.00 251
    2024-11-01 $419,900 (5.2%) $496,439 (9.5%) 0.00 249
    2024-12-01 $411,750 (2.9%) $495,442 (11.1%) 0.00 218
    2025-01-01 $413,725 (1.9%) $509,540 (14.4%) 0.00 196
    2025-02-01 $425,000 (1.2%) $517,608 (14.9%) 0.00 220
    2025-03-01 $437,000 (4.2%) $523,062 (13.2%) 0.00 238
    2025-04-01 $428,750 (3.0%) $511,925 (9.8%) 0.00 265
    Pahrump's median listing price for 2025-04-01 was $428,750, a difference of $12,501 (3.0%) versus the prior year and $-8,250 versus the prior month.

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

    Pahrump's average listing price for 2025-04-01 was $511,925, a difference of $45,569 (9.8%) versus the prior year and $-11,137 versus the prior month.

    For the 2025-04-01 period, Pahrump had 265 MLS listings, a difference of 27 listings (11%) versus the prior month and 62 listings (31%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pahrump (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,218 sqft
    2018-02-01 0 days 2,168 sqft
    2018-03-01 0 days 2,228 sqft
    2018-04-01 0 days 2,200 sqft
    2018-05-01 0 days 2,201 sqft
    2018-06-01 0 days 2,201 sqft
    2018-07-01 0 days 2,134 sqft
    2018-08-01 0 days 2,121 sqft
    2018-09-01 0 days 2,107 sqft
    2018-10-01 0 days 2,149 sqft
    2018-11-01 0 days 2,180 sqft
    2018-12-01 0 days 2,113 sqft
    2019-01-01 0 days 2,090 sqft
    2019-02-01 0 days 2,088 sqft
    2019-03-01 0 days 2,076 sqft
    2019-04-01 0 days 2,062 sqft
    2019-05-01 0 days 2,036 sqft
    2019-06-01 0 days 2,025 sqft
    2019-07-01 0 days 2,024 sqft
    2019-08-01 0 days 2,014 sqft
    2019-09-01 0 days 2,003 sqft
    2019-10-01 0 days 2,009 sqft
    2019-11-01 0 days 2,021 sqft
    2019-12-01 0 days 2,050 sqft
    2020-01-01 0 days 2,036 sqft
    2020-02-01 0 days 2,049 sqft
    2020-03-01 0 days 2,022 sqft
    2020-04-01 0 days 2,033 sqft
    2020-05-01 0 days 2,049 sqft
    2020-06-01 0 days 2,022 sqft
    2020-07-01 0 days 2,027 sqft
    2020-08-01 0 days 2,080 sqft
    2020-09-01 0 days 2,038 sqft
    2020-10-01 0 days 2,087 sqft
    2020-11-01 0 days 2,086 sqft
    2020-12-01 0 days 2,087 sqft
    2021-01-01 0 days 2,021 sqft
    2021-02-01 0 days 1,959 sqft
    2021-03-01 0 days 2,009 sqft
    2021-04-01 0 days 2,025 sqft
    2021-05-01 0 days 2,043 sqft
    2021-06-01 0 days 2,065 sqft
    2021-07-01 0 days 2,022 sqft
    2021-08-01 0 days 2,013 sqft
    2021-09-01 0 days 2,013 sqft
    2021-10-01 0 days 1,977 sqft
    2021-11-01 0 days 1,983 sqft
    2021-12-01 0 days 1,997 sqft
    2022-01-01 0 days 1,990 sqft
    2022-02-01 0 days 1,985 sqft
    2022-03-01 0 days 2,006 sqft
    2022-04-01 0 days 2,074 sqft
    2022-05-01 0 days 2,022 sqft
    2022-06-01 0 days 2,022 sqft
    2022-07-01 0 days 2,017 sqft
    2022-08-01 0 days 2,003 sqft
    2022-09-01 0 days 1,991 sqft
    2022-10-01 0 days 1,999 sqft
    2022-11-01 0 days 1,999 sqft
    2022-12-01 0 days 2,009 sqft
    2023-01-01 0 days 2,019 sqft
    2023-02-01 0 days 2,008 sqft
    2023-03-01 0 days 2,022 sqft
    2023-04-01 0 days 2,022 sqft
    2023-05-01 0 days 2,012 sqft
    2023-06-01 0 days 2,022 sqft
    2023-07-01 0 days 2,029 sqft
    2023-08-01 0 days 1,975 sqft
    2023-09-01 0 days 1,977 sqft
    2023-10-01 0 days 1,998 sqft
    2023-11-01 0 days 2,046 sqft
    2023-12-01 0 days 2,053 sqft
    2024-01-01 0 days 2,057 sqft
    2024-02-01 0 days 2,074 sqft
    2024-03-01 0 days 2,057 sqft
    2024-04-01 0 days 2,057 sqft
    2024-05-01 0 days 2,057 sqft
    2024-06-01 0 days 2,087 sqft
    2024-07-01 0 days 2,074 sqft
    2024-08-01 0 days 2,096 sqft
    2024-09-01 0 days 2,057 sqft
    2024-10-01 0 days 2,019 sqft
    2024-11-01 0 days 2,017 sqft
    2024-12-01 0 days 2,002 sqft
    2025-01-01 0 days 2,008 sqft
    2025-02-01 0 days 2,028 sqft
    2025-03-01 0 days 2,045 sqft
    2025-04-01 0 days 2,026 sqft
    Pahrump's median listing age (time on market) for 2025-04-01 was 0 days.

    Pahrump's median square footage for active listings during the 2025-04-01 period was 2,026 sqft. One year prior, the average listing was 2,057 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.