Port St. Lucie VA Loan Rates, Closing Costs & Stats

PORT ST. LUCIE, FL

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets

    • 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.

    Port St. Lucie's 120 lenders originated 1,099 VA loans during 2024. The total origination value was $455,795,000, with an average VA loan value of $414,736.

    Port St. Lucie VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Port St. Lucie averaged 0.51% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Port St. Lucie's average VA mortgage closing costs are $7,405.

    The average rate for the prior week (2025-06-27) was 6.55% and one month ago for the week of 2025-05-30, the average rate was 6.57%.

    The average rate one year ago was 6.99%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.24%.

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

    Port St. Lucie 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 Port St. Lucie level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 157 5.98% $9,622
    Mortgage Research Center, LLC 89 6.41% $8,748
    QUICKEN LOANS, LLC 69 5.92% $11,587
    FREEDOM MORTGAGE CORPORATION 65 6.14% $9,640
    LOANDEPOT.COM, LLC 46 5.83% $12,325
    CROSSCOUNTRY MORTGAGE, LLC 40 6.41% $14,088
    EAGLE HOME MORTGAGE, LLC 27 5.03% $3,976
    NEWREZ LLC 26 5.98% $7,734
    VILLAGE CAPITAL MORTGAGE 25 5.71% $9,754
    PENNYMAC LOAN SERVICES, LLC 24 5.71% $9,229
    MATTAMY HOME FUNDING, LLC 22 6.04% $8,080
    NAVY FEDERAL CREDIT UNION 19 5.99% $7,088
    NEW DAY FINANCIAL, LLC 18 7.57% $15,032
    DHI MORTGAGE COMPANY, LTD. 18 5.18% $7,543
    NVR Mortgage Finance, Inc. 16 6.43% $4,584
    BAY EQUITY LLC 13 6.13% $8,156
    PULTE MORTGAGE LLC 12 6.44% $9,353
    Flagstar Bank, FSB 11 6.43% $7,870
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 6.40% $10,950
    USAA Federal Savings Bank 11 6.01% $10,075
    MORTGAGE SOLUTIONS OF COLORADO, LLC 11 7.03% $3,864
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 10 5.90% $4,082
    GUARANTEED RATE, INC. 9 6.20% $6,747
    LAKEVIEW LOAN SERVICING, LLC 9 5.88% $6,527
    ACOPIA, LLC 9 6.68% $6,033
    Equity Prime Mortgage LLC 9 6.31% $12,007
    FBC MORTGAGE, LLC 8 5.39% $9,989
    The Federal Savings Bank 8 6.47% $14,802
    Mr. Cooper ( Nationstar Mortgage ) 8 6.23% $9,011
    EVERETT FINANCIAL, INC. 7 6.68% $12,069
    CMG MORTGAGE, INC. 7 6.05% $8,728
    South Pacific Financial Corporation 7 5.29% $6,054
    PLANET HOME LENDING, LLC 7 6.54% $10,874
    Paramount Residential Mortgage Group, Inc. 6 6.44% $11,084
    Carrington Mortgage Services, LLC 6 5.67% $8,983
    Lakeview Community Capital, LLC 6 5.48% $9,130
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 5.97% $4,728
    MUTUAL OF OMAHA MORTGAGE, INC. 5 6.25% $16,642
    GENEVA FINANCIAL, LLC 5 6.78% $10,544
    CARDINAL FINANCIAL 5 6.85% $11,804
    CLEARPATH LENDING 4 5.84% $16,142
    Century Mortgage Company DBA Century Lending Company 4 5.84% $15,555
    THE MORTGAGE FIRM, INC. 4 6.47% $5,169
    T2 FINANCIAL LLC 4 5.88% $10,126
    AMERISAVE MORTGAGE CORPORATION 4 5.56% $21,568
    GUARANTEED RATE AFFINITY, LLC 4 6.25% $7,100
    Mid-Continent Funding, Inc. 4 6.34% $9,868
    South State Bank 3 6.33% $10,296
    MID AMERICA MORTGAGE, INC. 3 6.71% $7,533
    SWBC MORTGAGE CORPORATION 3 6.75% $5,783
    PLAZA HOME MORTGAGE, INC. 3 6.13% $16,961
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.25% $12,406
    PHH Mortgage Corporation 3 5.83% $5,028
    PENTAGON FEDERAL CREDIT UNION 3 5.75% $4,303
    BAYSHORE MORTGAGE FUNDING, LLC 3 6.29% $13,348
    AMERICAN FINANCIAL NETWORK, INC. 3 6.79% $10,155
    NFM, INC. 3 7.00% $12,254
    JPMorgan Chase Bank 3 6.32% $4,761
    NATIONWIDE MORTGAGE BANKERS, INC. 3 6.46% $18,231
    MOVEMENT MORTGAGE, LLC 3 6.00% $6,297
    NBKC BANK 3 6.00% $5,898
    Magnolia Bank 3 5.92% $22,461
    PREMIA MORTGAGE, LLC 2 5.56% $5,639
    AMERICAN BANCSHARES MORTGAGE 2 6.63% $14,522
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.69% $10,986
    AmeriHome Mortgage Company, LLC 2 6.13% $16,250
    Barrington Bank & Trust Company, N.A. 2 7.00% $3,906
    CONTOUR MORTGAGE CORPORATION 2 6.69% $10,524
    EMM LOANS LLC 2 6.19% $11,026
    Goldwater Bank, N.A. 2 6.88% $6,120
    MILEND, INC. 2 6.44% $16,553
    NETWORK CAPITAL FUNDING CORPORATION 2 6.25% $7,546
    NP, Inc. 2 6.63% $10,436
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.88% $4,860
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.00% $6,751
    SUCCESS MORTGAGE PARTNERS, INC. 2 5.88% $37,077
    SUN WEST MORTGAGE COMPANY, INC. 2 6.62% $5,340
    UNION HOME MORTGAGE CORP. 2 6.13% $16,883
    HOMESIDE FINANCIAL, LLC 1 6.12% $38,980
    PANORAMA MORTGAGE GROUP, LLC 1 7.25% $5,509
    Paramount Bank 1 5.00% $7,879
    HomePromise Corporation 1 7.13% $11,455
    Home Mortgage Alliance Corp 1 6.13% $10,903
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.25% $16,681
    GUILD MORTGAGE COMPANY 1 5.63% $17,067
    Plains Commerce Bank 1 6.63% $7,492
    Gateway First Bank 1 6.50% $250
    FIRST HOME MORTGAGE CORPORATION 1 6.13% $6,190
    POINT Mortgage 1 5.50% $7,443
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.75% $24,387
    U.S. Bank 1 6.75% $3,965
    ALKAN MORTGAGE CORPORATION 1 6.63% $7,492
    Prosperity Home Mortgage, LLC 1 6.25% $9,035
    First Federal Bank 1 5.25% $28,000
    FIRST COMMUNITY MORTGAGE, INC. 1 7.00% $3,345
    RELIANCE FIRST CAPITAL, LLC 1 6.25% $18,879
    SFMC, LP 1 6.63% $8,407
    EMBRACE HOME LOANS, INC. 1 6.50% $21,205
    DIRECT MORTGAGE LOANS, LLC 1 6.63% $7,443
    STOCKTON MORTGAGE CORPORATION 1 6.25% $6,712
    V.I.P. MORTGAGE, INC. 1 5.00% $14,482
    Waterstone Mortgage Corporation 1 6.00% $3,867
    DELMAR FINANCIAL COMPANY 1 6.88% $20,542
    Synovus Bank 1 6.00% $14,032
    Credence Funding Corporation 1 4.75% $5,957
    BROKER SOLUTIONS, INC. 1 5.75% $5,906
    Bank of America 1 6.00% $9,332
    TIDEWATER MORTGAGE SERVICES, INC. 1 6.25% $11,827
    TOTAL MORTGAGE SERVICES, LLC 1 5.75% $8,038
    TOWNE MORTGAGE COMPANY 1 5.75% $9,557
    Truist 1 5.70% $7,034
    UMB Bank 1 6.63% $17,613
    WesBanco 1 6.13% $4,697
    MICHIGAN MUTUAL, INC. 1 5.50% $5,957
    LOANPAL, LLC 1 5.25% $20,060
    Armed Forces Bank 1 5.75% $5,751
    J. VIRGIL, INC. 1 6.63% $6,374
    JMAC LENDING, INC. 1 5.75% $12,992
    Ixonia Bank 1 6.50% $6,792
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $5,317

    The top Port St. Lucie VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 157 VA loans originated. Their average total fees are $9,622, which is $875 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Port St. Lucie VA lenders (with over 10 loans originated) are MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,864), EAGLE HOME MORTGAGE, LLC ($3,976), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. ($4,082), NVR Mortgage Finance, Inc. ($4,584) and NAVY FEDERAL CREDIT UNION ($7,088).

    The lowest rate Port St. Lucie VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.03%), DHI MORTGAGE COMPANY, LTD. (5.18%), PENNYMAC LOAN SERVICES, LLC (5.71%), VILLAGE CAPITAL MORTGAGE (5.71%) and LOANDEPOT.COM, LLC (5.83%).

    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.