San Angelo VA Loan Rates, Closing Costs & Stats

SAN ANGELO, TX

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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.

    San Angelo's 59 lenders originated 367 VA loans during 2024. The total origination value was $104,995,000, with an average VA loan value of $286,090.

    San Angelo VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in San Angelo averaged 0.65% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    San Angelo's average VA mortgage closing costs are $6,874.

    The average rate for the prior week (2025-06-27) was 6.98% and one month ago for the week of 2025-05-30, the average rate was 7.01%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.31%.

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

    San Angelo 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 San Angelo level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 51 6.38% $6,246
    AMERICAN PACIFIC MORTGAGE CORPORATION 45 6.44% $11,947
    MORTGAGE FINANCIAL SERVICES, LLC 39 6.61% $9,455
    UNITED WHOLESALE MORTGAGE, LLC 21 5.78% $6,059
    First Financial Bank 20 6.08% $9,599
    T2 FINANCIAL LLC 19 6.74% $8,236
    PENNYMAC LOAN SERVICES, LLC 16 5.62% $6,107
    QUICKEN LOANS, LLC 16 5.92% $8,344
    NAVY FEDERAL CREDIT UNION 13 6.09% $5,353
    VILLAGE CAPITAL MORTGAGE 11 5.50% $6,103
    FREEDOM MORTGAGE CORPORATION 10 5.92% $6,817
    USAA Federal Savings Bank 10 6.36% $9,303
    THE MORTGAGE LINK, INC. 8 7.05% $19,376
    GUILD MORTGAGE COMPANY 6 6.13% $6,330
    CMG MORTGAGE, INC. 4 6.63% $12,241
    GENEVA FINANCIAL, LLC 4 7.13% $6,017
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 6.75% $3,263
    CROSSCOUNTRY MORTGAGE, LLC 3 6.38% $7,715
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 5.94% $8,682
    NBKC BANK 2 5.81% $10,871
    NEWREZ LLC 2 6.00% $3,218
    GUARANTEED RATE, INC. 2 5.65% $1,858
    PENTAGON FEDERAL CREDIT UNION 2 5.94% $13,923
    DIRECTIONS EQUITY, LLC 2 5.94% $9,260
    CLEARPATH LENDING 2 5.25% $5,574
    AmeriHome Mortgage Company, LLC 2 6.06% $4,700
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.00% $12,583
    Mid-Continent Funding, Inc. 2 6.19% $6,924
    Regions Bank 1 5.25% $9,020
    Towne Bank 1 5.75% $8,185
    UNIVERSITY Federal Credit Union 1 6.25% $3,065
    ZILLOW HOME LOANS, LLC 1 5.75% $1,417
    Atlantic Coast Mortgage, LLC 1 6.25% $11,784
    BROKER SOLUTIONS, INC. 1 6.75% $10,952
    CARDINAL FINANCIAL 1 5.99% $3,386
    Carrington Mortgage Services, LLC 1 5.63% $4,963
    Century Mortgage Company DBA Century Lending Company 1 6.13% $4,628
    CHURCHILL MORTGAGE CORPORATION 1 6.75% $14,586
    COMMUNITY MORTGAGE FUNDING, LLC 1 7.13% $8,286
    Credence Funding Corporation 1 6.25% $1,400
    Encompass Lending Group, LP 1 6.25% $10,611
    Equity Prime Mortgage LLC 1 5.88% $6,447
    Flagstar Bank, FSB 1 6.75% $8,847
    GUARANTEED RATE AFFINITY, LLC 1 5.99% $3,944
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.25% $5,253
    HOMESIDE FINANCIAL, LLC 1 7.25% $30,242
    JPMorgan Chase Bank 1 5.38% $20,069
    Lakeview Community Capital, LLC 1 5.75% $2,710
    MORTGAGEONE, INC. 1 8.13% $2,382
    MOVEMENT MORTGAGE, LLC 1 6.75% $17,748
    Mr. Cooper ( Nationstar Mortgage ) 1 5.63% $4,234
    Nations Lending Corporation 1 6.75% $19,845
    NATIONS RELIABLE LENDING, LLC 1 6.75% $10,812
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.75% $15,177
    PHH Mortgage Corporation 1 4.99% $3,322
    PLANET HOME LENDING, LLC 1 5.99% $1,730
    PREMIA MORTGAGE, LLC 1 5.50% $0
    Prosperity Home Mortgage, LLC 1 5.99% $6,839
    RANLIFE, INC. 1 6.50% $6,786

    The top San Angelo VA lender as defined by loan originations is Mortgage Research Center, LLC, with 51 VA loans originated. Their average total fees are $6,246, which is $5,701 lower than the next largest lender, AMERICAN PACIFIC MORTGAGE CORPORATION.

    The lowest fee San Angelo VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($5,353), UNITED WHOLESALE MORTGAGE, LLC ($6,059), VILLAGE CAPITAL MORTGAGE ($6,103), PENNYMAC LOAN SERVICES, LLC ($6,107) and Mortgage Research Center, LLC ($6,246).

    The lowest rate San Angelo VA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (5.50%), PENNYMAC LOAN SERVICES, LLC (5.62%), UNITED WHOLESALE MORTGAGE, LLC (5.78%), QUICKEN LOANS, LLC (5.92%) and FREEDOM MORTGAGE CORPORATION (5.92%).

    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.