Sacramento VA Loan Rates, Closing Costs & Stats

SACRAMENTO-ROSEVILLE-FOLSOM, CA

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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.

    Sacramento's 139 lenders originated 2,074 VA loans during 2024. The total origination value was $1,127,450,000, with an average VA loan value of $543,611.

    Sacramento VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Sacramento averaged 6.85% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Sacramento's average VA mortgage closing costs are $7,608.

    The average rate for the prior week (2025-07-11) was 6.63% and one month ago for the week of 2025-06-13, the average rate was 6.91%.

    The average rate one year ago was 6.71%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.52%.

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

    Sacramento 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 Sacramento level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 503 5.91% $8,554
    Mortgage Research Center, LLC 143 6.32% $8,103
    QUICKEN LOANS, LLC 136 5.99% $11,377
    FREEDOM MORTGAGE CORPORATION 87 6.11% $11,912
    LOANDEPOT.COM, LLC 77 5.71% $15,055
    PENNYMAC LOAN SERVICES, LLC 58 5.66% $12,516
    EAGLE HOME MORTGAGE, LLC 54 5.14% $6,593
    GUILD MORTGAGE COMPANY 49 6.18% $13,770
    AMERICAN PACIFIC MORTGAGE CORPORATION 48 6.39% $12,248
    NAVY FEDERAL CREDIT UNION 38 5.86% $7,686
    CROSSCOUNTRY MORTGAGE, LLC 31 5.98% $7,969
    The Loan Store, Inc. 27 6.08% $10,349
    MOVEMENT MORTGAGE, LLC 27 6.19% $11,391
    NEWREZ LLC 27 6.03% $7,352
    VILLAGE CAPITAL MORTGAGE 24 5.75% $7,139
    BROKER SOLUTIONS, INC. 23 6.37% $13,586
    USAA Federal Savings Bank 23 6.24% $7,204
    Paramount Residential Mortgage Group, Inc. 23 6.02% $10,989
    NEW DAY FINANCIAL, LLC 21 7.03% $12,997
    CMG MORTGAGE, INC. 20 6.04% $7,862
    Century Mortgage Company DBA Century Lending Company 19 6.12% $8,258
    Flagstar Bank, FSB 18 5.82% $13,227
    LAKEVIEW LOAN SERVICING, LLC 17 5.53% $9,782
    SUN WEST MORTGAGE COMPANY, INC. 16 5.72% $13,010
    HOMEAMERICAN MORTGAGE CORPORATION 15 5.60% $5,304
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 14 4.53% $8,489
    PLANET HOME LENDING, LLC 13 5.46% $6,621
    GUARANTEED RATE, INC. 13 5.79% $5,566
    U.S. Bank 13 5.75% $16,433
    DHI MORTGAGE COMPANY, LTD. 12 5.71% $9,266
    Equity Prime Mortgage LLC 11 6.24% $7,537
    KBHS HOME LOANS, LLC 11 5.64% $7,165
    The Federal Savings Bank 11 5.84% $22,167
    South Pacific Financial Corporation 11 6.07% $15,004
    PREMIER MORTGAGE RESOURCES, L.L.C. 10 5.92% $11,330
    SCENIC OAKS FUNDING, INC. 10 6.14% $15,328
    GUARANTEED RATE AFFINITY, LLC 10 6.17% $8,399
    CITY FIRST MORTGAGE SERVICES, L.L.C. 9 6.07% $6,532
    PLAZA HOME MORTGAGE, INC. 8 6.11% $14,111
    Plains Commerce Bank 8 6.17% $11,595
    Lakeview Community Capital, LLC 8 5.36% $7,941
    ZILLOW HOME LOANS, LLC 7 6.11% $14,144
    PACIFIC RESIDENTIAL MORTGAGE, LLC 7 6.34% $14,085
    PENTAGON FEDERAL CREDIT UNION 7 5.88% $8,821
    ALAMEDA MORTGAGE CORPORATION 7 6.07% $14,176
    JPMorgan Chase Bank 7 5.82% $9,331
    INSPIRE HOME LOANS INC. 6 5.31% $10,042
    CLEARPATH LENDING 6 6.16% $8,885
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 6.40% $12,181
    Sierra Pacific Mortgage Company, Inc. 6 6.19% $6,867
    LOANPAL, LLC 6 6.18% $17,890
    Mr. Cooper ( Nationstar Mortgage ) 6 5.33% $3,419
    MUTUAL OF OMAHA MORTGAGE, INC. 5 6.40% $13,306
    PULTE MORTGAGE LLC 5 5.23% $11,665
    Barrington Bank & Trust Company, N.A. 5 5.75% $7,815
    HOMEBRIDGE FINANCIAL SERVICES, INC. 5 6.03% $8,324
    American Mortgage & Equity Consultants, Inc. 5 6.60% $11,603
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.60% $17,288
    SUMMIT FUNDING, INC. 4 6.19% $12,369
    AMERISAVE MORTGAGE CORPORATION 4 6.63% $20,823
    BAY EQUITY LLC 4 6.40% $12,592
    Carrington Mortgage Services, LLC 4 6.03% $16,488
    CHURCHILL MORTGAGE CORPORATION 4 6.09% $11,210
    Cornerstone First Mortgage, Inc 4 6.38% $8,247
    JMAC LENDING, INC. 4 6.06% $13,118
    LAND HOME FINANCIAL SERVICES, INC. 4 6.47% $6,510
    NFM, INC. 4 6.25% $18,054
    OCMBC, INC. 4 6.31% $10,308
    TBI MORTGAGE COMPANY 4 6.19% $5,127
    MORTGAGEONE, INC. 3 6.08% $15,357
    MORTGAGE EQUITY PARTNERS LLC 3 5.96% $14,534
    FIRST COLONY MORTGAGE CORPORATION 3 5.79% $14,754
    Ameris Bank 3 6.17% $4,244
    MASON MCDUFFIE MORTGAGE CORPORATION 3 6.08% $18,456
    SUCCESS MORTGAGE PARTNERS, INC. 3 6.58% $34,429
    AMERICAN FINANCIAL RESOURCES, INC. 3 6.08% $13,833
    Home Mortgage Alliance Corp 3 6.54% $17,652
    AMERICAN FINANCIAL NETWORK, INC. 3 6.96% $7,171
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 6.50% $9,868
    Nations Lending Corporation 2 6.31% $25,007
    TJC Mortgage, Inc. 2 6.50% $6,063
    NBKC BANK 2 6.00% $9,817
    CLM MORTGAGE, INC 2 5.75% $2,352
    INTELLILOAN, INC. 2 6.00% $1,874
    PREMIA MORTGAGE, LLC 2 5.96% $15,333
    CARDINAL FINANCIAL 2 6.19% $25,876
    First Western Trust Bank 2 5.94% $16,561
    ROYAL UNITED MORTGAGE LLC 2 6.75% $26,461
    GENEVA FINANCIAL, LLC 2 6.25% $16,940
    AXIA FINANCIAL, LLC 2 6.50% $17,634
    Sunflower Bank 2 6.31% $13,287
    Golden Empire Mortgage, Inc. 2 6.63% $4,392
    Pacific Lending LLC 2 6.37% $9,603
    NETWORK CAPITAL FUNDING CORPORATION 2 5.88% $10,445
    First Federal Bank 2 5.75% $6,835
    Magnolia Bank 2 5.81% $30,907
    BM Real Estate Services, Inc. 1 5.63% $15,701
    BLACK HILLS FEDERAL CREDIT UNION 1 6.00% $8,788
    Stride Bank 1 6.13% $14,118
    AHL FUNDING 1 6.63% $6,047
    AUGUSTA FINANCIAL, INC. 1 6.63% $5,650
    Zions Bank 1 6.50% $3,477
    Texana Bank 1 5.75% $5,930
    The Central Trust Bank 1 6.50% $3,789
    Armed Forces Bank 1 6.25% $21,902
    AMERITRUST MORTGAGE CORPORATION 1 6.13% $8,210
    Umpqua Bank 1 6.50% $24,748
    UNION HOME MORTGAGE CORP. 1 5.13% $3,648
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.75% $11,547
    HOMEXPRESS MORTGAGE CORP. 1 6.00% $9,985
    HOMESIDE FINANCIAL, LLC 1 6.75% $19,005
    LADERA LENDING, INC. 1 6.25% $2,564
    HomePromise Corporation 1 6.75% $14,647
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 6.13% $8,385
    Vellum Mortgage, Inc. 1 6.50% $13,020
    HighTechLending Inc 1 5.99% $7,736
    LOANFLIGHT LENDING, LLC 1 5.99% $19,575
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 7.25% $10,750
    MICHIGAN MUTUAL, INC. 1 6.25% $27,516
    ML Mortgage Corp. 1 6.25% $5,226
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $125
    MOUNTAIN WEST FINANCIAL, INC. 1 6.25% $10,032
    Franklin Loan Corporation 1 6.25% $19,698
    NATIONS DIRECT MORTGAGE, LLC 1 6.25% $16,229
    FIRST COMMUNITY MORTGAGE, INC. 1 6.38% $10,067
    EVERETT FINANCIAL, INC. 1 7.00% $5,114
    NORWICH COMMERCIAL GROUP, INC. 1 6.13% $12,343
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 5.99% $13,452
    ALLIED MORTGAGE GROUP, INC. 1 5.25% $12,100
    ONY GLO, INC. 1 5.88% $2,455
    ENVOY MORTGAGE, LTD 1 6.13% $13,451
    DIGNIFIED HOME LOANS, LLC 1 5.75% $8,005
    DATA MORTGAGE, INC. 1 7.25% $4,282
    Credence Funding Corporation 1 6.00% $5,330
    COMMUNITYAMERICA 1 6.63% $3,430
    Commerce Home Mortgage, Inc. 1 6.13% $22,345
    Capital Bank 1 5.25% $7,328
    CANOPY MORTGAGE, LLC 1 6.13% $12,369
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 4.99% $29,155

    The top Sacramento VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 503 VA loans originated. Their average total fees are $8,554, which is $451 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Sacramento VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($5,304), GUARANTEED RATE, INC. ($5,566), EAGLE HOME MORTGAGE, LLC ($6,593), PLANET HOME LENDING, LLC ($6,621) and VILLAGE CAPITAL MORTGAGE ($7,139).

    The lowest rate Sacramento VA lenders (with over 10 loans originated) are K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (4.53%), EAGLE HOME MORTGAGE, LLC (5.14%), PLANET HOME LENDING, LLC (5.46%), LAKEVIEW LOAN SERVICING, LLC (5.53%) and HOMEAMERICAN MORTGAGE CORPORATION (5.60%).

    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.