Prescott Valley VA Loan Rates, Closing Costs & Stats

PRESCOTT VALLEY-PRESCOTT, AZ

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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.

    Prescott Valley's 83 lenders originated 637 VA loans during 2024. The total origination value was $265,655,000, with an average VA loan value of $417,041.

    Prescott Valley VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Prescott Valley averaged 6.53% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Prescott Valley's average VA mortgage closing costs are $6,765.

    The average rate for the prior week (2025-03-28) was 6.65% and one month ago for the week of 2025-02-28, the average rate was 6.62%.

    The average rate one year ago was 7.03%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.33%.

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

    Prescott Valley 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 Prescott Valley level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 127 5.97% $8,823
    Mortgage Research Center, LLC 64 6.25% $7,329
    QUICKEN LOANS, LLC 46 5.96% $11,616
    GUILD MORTGAGE COMPANY 35 6.19% $10,095
    FREEDOM MORTGAGE CORPORATION 27 6.04% $9,757
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 21 6.48% $11,001
    PENNYMAC LOAN SERVICES, LLC 17 5.74% $11,835
    GARDNER FINANCIAL SERVICES, LTD. 14 6.71% $14,570
    PRIMELENDING, A PLAINSCAPITAL COMPANY 14 6.51% $11,555
    NAVY FEDERAL CREDIT UNION 12 5.78% $6,285
    V.I.P. MORTGAGE, INC. 10 6.59% $15,798
    VILLAGE CAPITAL MORTGAGE 9 5.54% $7,229
    Paramount Residential Mortgage Group, Inc. 8 6.22% $13,499
    Nations Lending Corporation 8 6.78% $7,036
    Equity Prime Mortgage LLC 8 6.08% $9,539
    LOANDEPOT.COM, LLC 7 5.50% $8,752
    USAA Federal Savings Bank 7 6.46% $13,667
    ON Q FINANCIAL, INC. 7 6.02% $3,753
    NEWREZ LLC 7 6.03% $6,218
    NEW DAY FINANCIAL, LLC 7 7.07% $23,135
    Mr. Cooper ( Nationstar Mortgage ) 7 6.34% $19,517
    CROSSCOUNTRY MORTGAGE, LLC 6 6.31% $13,531
    SUN WEST MORTGAGE COMPANY, INC. 6 5.76% $16,222
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.27% $8,297
    LAKEVIEW LOAN SERVICING, LLC 6 5.85% $5,519
    The Loan Store, Inc. 6 5.65% $6,110
    HOMEOWNERS FINANCIAL GROUP USA, LLC 6 6.04% $21,444
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 6.06% $5,830
    MORIA DEVELOPMENT, INC. 4 6.75% $12,818
    Sierra Pacific Mortgage Company, Inc. 4 6.28% $10,949
    PENTAGON FEDERAL CREDIT UNION 4 6.03% $5,567
    CMG MORTGAGE, INC. 4 6.59% $10,216
    JPMorgan Chase Bank 4 6.00% $7,931
    BROKER SOLUTIONS, INC. 3 6.58% $14,387
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 7.00% $12,079
    AMERISAVE MORTGAGE CORPORATION 3 5.54% $17,106
    CARDINAL FINANCIAL 3 6.71% $19,627
    GENEVA FINANCIAL, LLC 3 6.75% $12,889
    NBKC BANK 3 6.08% $5,515
    PHH Mortgage Corporation 3 5.70% $7,427
    LADERA LENDING, INC. 2 6.06% $18,556
    GUARANTEED RATE, INC. 2 6.84% $4,748
    GUARANTEED RATE AFFINITY, LLC 2 5.75% $3,813
    Glacier Bank 2 6.19% $7,740
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 5.81% $6,631
    FBC MORTGAGE, LLC 2 6.19% $5,947
    NOVA FINANCIAL & INVESTMENT CORPORATION 2 6.69% $2,285
    Cornerstone First Mortgage, Inc 2 5.50% $9,319
    CLM MORTGAGE, INC 2 6.00% $447
    CLEARPATH LENDING 2 5.44% $3,228
    Century Mortgage Company DBA Century Lending Company 2 5.69% $3,858
    Waterstone Mortgage Corporation 2 6.38% $13,103
    Plains Commerce Bank 2 5.75% $19,758
    S1L, Inc. 2 6.44% $8,295
    SECURITYNATIONAL MORTGAGE COMPANY 2 6.50% $10,133
    Shea Mortgage Inc. 2 6.00% $6,201
    American Mortgage & Equity Consultants, Inc. 2 6.63% $19,637
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.94% $15,622
    BAY EQUITY LLC 1 6.75% $3,879
    The Federal Savings Bank 1 7.13% $1,808
    ARIZONA 1 5.63% $10,512
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.13% $3,554
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $1,378
    PLANET HOME LENDING, LLC 1 5.99% $17,458
    CASTLE & COOKE MORTGAGE, LLC 1 6.75% $1,567
    Capital Bank 1 4.88% $17,592
    RESIDENTIAL MORTGAGE, LLC 1 7.13% $9,424
    Leader Bank 1 6.75% $5,221
    VERITAS FUNDING, LLC 1 6.50% $18,553
    LOANPAL, LLC 1 5.38% $7,146
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.75% $17,644
    Golden Empire Mortgage, Inc. 1 6.25% $0
    Lakeview Community Capital, LLC 1 5.75% $10,334
    AMERICAN FINANCIAL NETWORK, INC. 1 6.75% $0
    First Western Trust Bank 1 5.88% $22,751
    Alaska USA Federal Credit Union 1 6.13% $11,718
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.75% $9,495
    Wallick & Volk, Inc. 1 7.00% $8,740
    EVERETT FINANCIAL, INC. 1 5.50% $11,620
    CORNERSTONE HOME LENDING, INC. 1 4.99% $9,011
    STARBOARD FINANCIAL MANAGEMENT, LLC 1 7.13% $12,998
    Stride Bank 1 5.50% $3,158
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.25% $13,023

    The top Prescott Valley VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 127 VA loans originated. Their average total fees are $8,823, which is $1,494 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Prescott Valley VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($6,285), Mortgage Research Center, LLC ($7,329), UNITED WHOLESALE MORTGAGE, LLC ($8,823), FREEDOM MORTGAGE CORPORATION ($9,757) and GUILD MORTGAGE COMPANY ($10,095).

    The lowest rate Prescott Valley VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.74%), NAVY FEDERAL CREDIT UNION (5.78%), QUICKEN LOANS, LLC (5.96%), UNITED WHOLESALE MORTGAGE, LLC (5.97%) and FREEDOM MORTGAGE CORPORATION (6.04%).

    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.