San Diego VA Loans

SAN DIEGO-CHULA VISTA-CARLSBAD, 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 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 Diego's 275 lenders originated 24,294 VA loans during 2021. The total origination value was $13,667,830,000, with an average VA loan value of $562,601.

    San Diego VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in San Diego averaged 5.55% for the week of 2022-05-20, compared to the national average (all VA variants) of 5.143% for the same period.

    The average rate for the prior week (2022-05-13) was 5.26% and one month ago for the week of 2022-04-15, the average rate was 5.02%.

    The average rate one year ago was 3.01%.

    For refis of the same type during the week of 2022-05-20, the average rate was 5.14%.

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

    San Diego VA Loan Lenders by Rates & Fees

    The below table looks at the average fees and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the San Diego level.

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    QUICKEN LOANS, LLC 2,246 2.34% $5,293
    UNITED WHOLESALE MORTGAGE, LLC 2,049 2.48% $9,390
    FREEDOM MORTGAGE CORPORATION 1,699 2.34% $4,664
    PENNYMAC LOAN SERVICES, LLC 1,271 2.31% $8,765
    LOANDEPOT.COM, LLC 1,089 2.40% $7,651
    CALIBER HOME LOANS, INC. 964 2.44% $10,612
    NAVY FEDERAL CREDIT UNION 950 2.44% $7,124
    HOME POINT FINANCIAL CORPORATION 913 2.37% $7,147
    CROSSCOUNTRY MORTGAGE, LLC 778 2.58% $13,027
    AMERICAN PACIFIC MORTGAGE CORPORATION 682 2.62% $13,856
    Mortgage Research Center, LLC 665 2.71% $12,487
    LAKEVIEW LOAN SERVICING, LLC 363 2.40% $3,187
    CMG MORTGAGE, INC. 357 2.40% $10,582
    GUARANTEED RATE, INC. 343 2.47% $10,122
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 310 2.69% $12,605
    VILLAGE CAPITAL & INVESTMENT LLC 304 2.21% $5,590
    AMERICAN FINANCIAL NETWORK, INC. 260 2.51% $13,927
    HOMEBRIDGE FINANCIAL SERVICES, INC. 239 2.52% $10,559
    FINANCE OF AMERICA MORTGAGE LLC 212 2.54% $9,372
    BROKER SOLUTIONS, INC. 192 2.53% $7,440
    Mr. Cooper ( Nationstar Mortgage ) 182 2.50% $5,221
    CLEARPATH LENDING 177 2.21% $6,440
    Wells Fargo Bank 169 2.52% $5,446
    MORTGAGEONE, INC. 164 2.49% $9,849
    Flagstar Bank, FSB 164 2.51% $9,486
    The Federal Savings Bank 163 2.42% $9,115
    MOVEMENT MORTGAGE, LLC 162 2.73% $9,745
    NEWREZ LLC 159 2.52% $5,728
    GUILD MORTGAGE COMPANY 156 2.62% $9,270
    First Guaranty Mortgage Corporation 154 2.35% $5,393
    BAY EQUITY LLC 135 2.62% $9,356
    Lakeview Community Capital, LLC 129 2.37% $3,168
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 128 2.69% $15,145
    PLANET HOME LENDING, LLC 126 2.42% $8,385
    SUMMIT FUNDING, INC. 123 2.68% $10,850
    NEW DAY FINANCIAL, LLC 113 2.83% $13,624
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 109 2.50% $10,699
    SUN WEST MORTGAGE COMPANY, INC. 109 2.45% $7,972
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 101 2.59% $8,879
    GRANDE HOMES, INC. 99 2.39% $5,804
    MUFG Union Bank 95 2.38% $4,124
    CELEBRITY HOME LOANS, LLC 95 2.71% $9,678
    PLAZA HOME MORTGAGE, INC. 91 2.44% $6,253
    EAGLE HOME MORTGAGE, LLC 84 2.72% $12,422
    STEARNS LENDING, LLC 78 2.42% $7,341
    Carrington Mortgage Services, LLC 73 2.75% $7,202
    USAA Federal Savings Bank 69 2.81% $4,970
    PRIMELENDING, A PLAINSCAPITAL COMPANY 69 2.83% $9,583
    OCMBC, INC. 68 2.47% $9,863
    InterContinental Capital Group, Inc 59 2.34% $5,000
    Equity Prime Mortgage LLC 57 2.87% $10,963
    S1L, Inc. 57 2.63% $11,434
    Golden Empire Mortgage, Inc. 57 2.60% $10,646
    Barrington Bank & Trust Company, N.A. 55 2.51% $7,624
    NBKC BANK 54 2.46% $7,152
    North American Savings Bank, F.S.B. 54 2.35% $6,378
    LENDUS, LLC 51 2.52% $14,162
    JMJ FINANCIAL GROUP 50 2.51% $14,480
    San Diego Funding 50 2.56% $9,074
    AMERISAVE MORTGAGE CORPORATION 49 2.43% $7,871
    NOVA FINANCIAL & INVESTMENT CORPORATION 47 2.47% $5,418
    PENTAGON FEDERAL CREDIT UNION 45 2.34% $4,286
    INTERCAP LENDING INC. 42 2.60% $11,741
    Prosperity Home Mortgage, LLC 41 2.65% $13,061
    BNC National Bank 39 2.24% $6,506
    Prime Choice Funding Inc. 38 2.34% $6,161
    GUARANTEED RATE AFFINITY, LLC 38 2.40% $10,843
    NETWORK CAPITAL FUNDING CORPORATION 37 2.52% $8,184
    Paramount Residential Mortgage Group, Inc. 37 2.82% $12,929
    Low VA Rates, LLC 36 2.35% $6,137
    SOVEREIGN LENDING GROUP INCORPORATED 36 2.46% $8,055
    Commerce Home Mortgage, Inc. 34 2.60% $9,676
    ACCELERATE MORTGAGE, LLC 33 2.18% $8,182
    MUTUAL OF OMAHA MORTGAGE, INC. 32 2.57% $8,384
    Strong Home Mortgage, LLC 29 2.40% $3,840
    U.S. Bank 29 2.65% $14,044
    NATIONS DIRECT MORTGAGE, LLC 28 2.69% $11,104
    FBC MORTGAGE, LLC 26 2.40% $9,427
    MORIA DEVELOPMENT, INC. 25 2.56% $11,384
    Franklin Loan Corporation 25 2.77% $14,165
    KBHS HOME LOANS, LLC 24 2.72% $12,077
    DHI MORTGAGE COMPANY, LTD. 23 2.53% $13,291
    FRONTWAVE 22 2.45% $2,610
    NP, Inc. 21 2.31% $6,402
    CALCON MUTUAL MORTGAGE LLC 21 2.90% $11,310
    ISERVE RESIDENTIAL LENDING, LLC 21 2.63% $13,991
    Wallick & Volk, Inc. 19 2.67% $16,636
    AMCAP MORTGAGE, LTD. 19 2.58% $15,015
    ML Mortgage Corp. 17 2.35% $9,184
    Home Mortgage Alliance Corp 15 2.37% $6,568
    EVERETT FINANCIAL, INC. 15 2.75% $8,919
    Wyndham Capital Mortgage, Inc. 15 2.40% $2,521
    Magnolia Bank 15 2.54% $12,324
    LOANPAL, LLC 15 2.46% $11,679
    PRIMARY RESIDENTIAL MORTGAGE, INC. 14 2.52% $8,062
    NFM, INC. 13 2.66% $12,878
    LADERA LENDING, INC. 12 2.53% $9,350
    GENEVA FINANCIAL, LLC 12 2.56% $13,616
    MEGA CAPITAL FUNDING, INC. 12 2.39% $9,171
    IMPAC MORTGAGE CORP. 12 2.51% $10,281
    FIRST NATIONS HOME FINANCE CORPORATION 12 2.74% $15,149
    OPEN MORTGAGE, LLC 11 2.47% $10,150
    SUNSTREET MORTGAGE, LLC 11 2.48% $7,396
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 10 2.30% $3,369
    HOMEOWNERS FINANCIAL GROUP USA, LLC 10 2.83% $15,881
    Sierra Pacific Mortgage Company, Inc. 10 2.71% $10,110
    Amerifirst Financial, Inc. 10 2.71% $9,891
    AXIA FINANCIAL, LLC 10 2.49% $6,608
    Bank of England 9 2.42% $12,145
    KS StateBank 9 2.26% $5,019
    DIGNIFIED HOME LOANS, LLC 9 2.46% $7,682
    PARKSIDE LENDING, LLC 9 2.33% $10,049
    TJC Mortgage, Inc. 9 2.21% $5,585
    First Mortgage Solutions, LLC 8 2.30% $4,534
    Banner Bank 8 2.53% $7,760
    First Federal Bank 8 2.97% $18,516
    FirstBank 8 2.33% $9,422
    Manufacturers and Traders Trust Company 8 2.55% $7,315
    S&S Financial 7 2.57% $6,165
    DAS Acquisition Company, LLC 7 2.84% $13,312
    MID AMERICA MORTGAGE, INC. 7 2.54% $3,024
    Northpointe Bank 7 2.59% $10,724
    INTERNATIONAL CITY MORTGAGE, INC. 7 2.84% $15,294
    First Federal Bank of Kansas City 7 2.29% $3,998
    CORNERSTONE HOME LENDING, INC. 7 3.09% $6,082
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 7 2.66% $7,699
    SRE MORTGAGE ALLIANCE INC. 7 2.39% $4,772
    Hometown Equity Mortgage, LLC 6 2.69% $11,000
    Shea Mortgage Inc. 6 2.46% $9,083
    CHURCHILL MORTGAGE CORPORATION 6 2.40% $4,332
    CONTOUR MORTGAGE CORPORATION 6 2.42% $7,023
    The Central Trust Bank 6 2.52% $14,739
    HighTechLending Inc 6 2.52% $11,550
    AmeriHome Mortgage Company, LLC 6 2.69% $3,602
    MOUNTAIN WEST FINANCIAL, INC. 6 2.60% $5,392
    UNION HOME MORTGAGE CORP. 6 2.33% $16,064
    Meridian Bank Corporation 6 2.50% $14,088
    Peoples Bank 5 2.88% $9,741
    HOMESIDE FINANCIAL, LLC 5 2.38% $9,896
    WESTERN EXPRESS LENDING 5 2.78% $17,834
    AMERICAN FINANCING CORPORATION 5 2.45% $3,637
    Nations Lending Corporation 5 2.75% $13,682
    CHERRY CREEK MORTGAGE, LLC 5 2.53% $1,291
    LENOX FINANCIAL MORTGAGE CORPORATION 5 2.43% $7,562
    Citizens Bank 5 2.45% $11,403
    RESIDENTIAL BANCORP. 4 2.69% $12,863
    VAN DYK MORTGAGE CORPORATION 4 2.94% $12,482
    UNITED SECURITY FINANCIAL CORP 4 2.00% $4,842
    EMBRACE HOME LOANS, INC. 4 2.28% $3,238
    Willamette Valley Bank 4 2.50% $6,401
    ALAMEDA MORTGAGE CORPORATION 4 2.56% $17,679
    First Savings Bank 4 2.59% $11,402
    V.I.P. MORTGAGE, INC. 4 2.28% $3,945
    ZILLOW HOME LOANS, LLC 4 2.97% $14,326
    Summit Mortgage Corporation 4 2.50% $3,799
    AMERICAN FINANCIAL RESOURCES, INC. 4 2.81% $6,192
    SECURITYNATIONAL MORTGAGE COMPANY 4 2.69% $18,766
    LIBERTY HOME MORTGAGE CORPORATION 4 2.41% $8,624
    Watermark Capital, Inc. 4 2.25% $2,232
    MASON MCDUFFIE MORTGAGE CORPORATION 4 2.56% $5,878
    Ameris Bank 4 2.53% $9,369
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 2.91% $5,887
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 4 2.56% $2,232
    Goldwater Bank, N.A. 4 2.47% $10,230
    DATA MORTGAGE, INC. 3 2.67% $8,621
    INTELLILOAN, INC. 3 2.46% $9,040
    INLAND BANK & TRUST 3 2.96% $7,354
    CANOPY MORTGAGE, LLC 3 2.67% $14,049
    CALCULATED RISK ANALYTICS LLC 3 2.46% $11,506
    CUSTOMER SERVICE MORTGAGE CORPORATION 3 2.67% $11,706
    PACIFIC RESIDENTIAL MORTGAGE, LLC 3 2.67% $1,720
    ACADEMY MORTGAGE CORPORATION 3 2.83% $21,684
    AHL FUNDING 3 2.58% $10,140
    HOME APPROVALS DIRECT, INC. 3 2.46% $11,095
    LOANLEADERS OF AMERICA, INC. 3 2.46% $16,292
    South Pacific Financial Corporation 3 2.50% $13,941
    Capital Bank 3 2.33% $1,492
    CALIFORNIA CREDIT UNION 3 1.17% $0
    ON Q FINANCIAL, INC. 3 3.58% $10,213
    HOMESTEAD FUNDING CORP. 2 2.50% $2,672
    Evolve Bank & Trust 2 2.75% $5,728
    First Home Bank 2 2.44% $7,331
    Florida Capital Bank 2 3.00% $12,290
    Credence Funding Corporation 2 2.25% $2,354
    GoPrime Mortgage, Inc. 2 2.38% $11,515
    HOMEAMERICAN MORTGAGE CORPORATION 2 2.88% $8,982
    Community First National Bank 2 2.44% $2,146
    HomeStreet Bank 2 2.81% $4,001
    Hometown Lenders, Inc. 2 2.75% $15,260
    Loan Simple, Inc. 2 2.25% $11,407
    Century Mortgage Company DBA Century Lending Company 2 2.25% $3,567
    NBH Bank 2 2.31% $20,020
    Armed Forces Bank 2 2.75% $12,363
    Plains Commerce Bank 2 2.75% $2,536
    PNC Bank 2 3.13% $3,294
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 2.75% $2,998
    American Mortgage and Insurance Inc. 2 2.75% $8,063
    AMERICAN HOME LENDING USA, LLC 2 2.25% $5,558
    SOUTHWEST STAGE FUNDING, LLC 2 3.13% $8,381
    Sunflower Bank 2 2.93% $34,740
    ALL WESTERN MORTGAGE, INC. 2 4.75% $23,478
    TOWNE MORTGAGE COMPANY 2 2.63% $12,025
    DRAPER AND KRAMER MORTGAGE CORP. 2 2.25% $3,753
    Paramount Bank 1 2.63% $3,386
    Axos Bank 1 3.25% $5,061
    NATIONS RELIABLE LENDING, LLC 1 2.88% $50,489
    CALLISTO GROUP, INC. 1 3.25% $3,461
    FISHER FINANCIAL GROUP, INCORPORATED 1 2.38% $2,790
    CAPSTONE DIRECT, INC. 1 2.38% $20,761
    PHH Mortgage Corporation 1 2.75% $2,614
    PINNACLE LENDING GROUP, INC. 1 2.88% $29,401
    First National Bank Texas 1 2.25% $3,857
    ARC HOME LLC 1 2.25% $1,588
    Platinum Home Mortgage Corporation 1 3.00% $24,448
    AmRes Corporation 1 2.25% $6,317
    VISION ONE MORTGAGE, INC. 1 2.63% $5,939
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 2.38% $6,654
    Presidential Bank, FSB 1 2.63% $3,473
    CENTRAL COAST LENDING, INC. 1 2.75% $12,428
    MORTGAGE 2000, INC. 1 2.75% $8,162
    Mid-Continent Funding, Inc. 1 2.75% $30,146
    MDE Home Loans, LLC 1 2.75% $17,822
    LOANFLIGHT LENDING, LLC 1 2.25% $2,511
    LHM FINANCIAL CORPORATION 1 3.25% $5,693
    Residential Mortgage Solutions, Inc. 1 2.75% $23,239
    LENDING 3, INC. 1 2.88% $17,714
    FIRST COMMUNITY MORTGAGE, INC. 1 2.50% $1,465
    First Bank 1 2.38% $1,911
    ABSOLUTE HOME MORTGAGE CORPORATION 1 2.88% $6,570
    LEADERONE FINANCIAL CORPORATION 1 2.38% $3,771
    Landmark National Bank 1 2.38% $5,065
    LAND HOME FINANCIAL SERVICES, INC. 1 3.75% $6,358
    SIWELL, INC. 1 2.63% $5,309
    CITYWIDE HOME LOANS, LLC 1 2.25% $2,282
    Financial Funding Solutions, Inc. 1 2.75% $1,928
    KELLER MORTGAGE, LLC 1 2.75% $17,352
    JPMorgan Chase Bank 1 2.63% $19,070
    Colonial Savings, F.A. 1 2.63% $11,405
    JMAC LENDING, INC. 1 3.13% $26,083
    ST FIN CORP 1 2.88% $7,083
    1st Security Bank of Washington 1 3.00% $3,456
    JAMES B. NUTTER & COMPANY 1 2.63% $922
    Colten Mortgage, LLC 1 2.25% $2,129
    SUN AMERICAN MORTGAGE COMPANY 1 2.50% $3,724
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 3.75% $4,848
    COMMUNITYAMERICA 1 2.25% $5,947
    ENVOY MORTGAGE, LTD 1 3.13% $38,098
    TBI MORTGAGE COMPANY 1 2.75% $15,842
    Texana Bank 1 2.25% $928
    DIRECT MORTGAGE, CORP. 1 2.25% $38,281
    HomePromise Corporation 1 2.75% $64,638
    The Home Loan Expert LLC 1 2.25% $3,810
    TIAA, FSB 1 2.75% $3,829
    HOMEOWNERS FIRST MORTGAGE, LLC 1 2.99% $22,756
    EMM LOANS LLC 1 2.38% $3,010
    TruHome Solutions, LLC 1 2.75% $5,984
    Umpqua Bank 1 3.00% $2,670
    COMPASS MORTGAGE, INC. 1 3.63% $21,100
    Congressional Bank 1 2.63% $21,285
    Great Plains National Bank 1 2.50% $32,122
    Advisors Mortgage Group, L.L.C. 1 2.75% $4,237
    Zions Bancorporation, N.A. 1 2.38% $8,800
    US MORTGAGE CORPORATION 1 2.75% $2,578
    COUNTRY CLUB MORTGAGE, INC. 1 3.00% $8,019
    BECKAM FUNDING CORP. 1 2.63% $6,201
    Northwest Federal Credit Union 1 3.00% $4,386
    NEXERA HOLDING LLC 1 2.25% $1,649
    BELEM SERVICING LLC 1 2.25% $12,397
    OAKTREE FUNDING CORP. 1 3.25% $20,945
    Bell Bank 1 2.25% $8,732
    BEST CAPITAL FUNDING 1 2.25% $5,763
    ONY GLO, INC. 1 2.75% $2,619
    Neighborhood Loans, Inc. 1 2.25% $31,436
    NATIONWIDE MORTGAGE BANKERS, INC. 1 2.25% $12,073
    PANORAMA MORTGAGE GROUP, LLC 1 2.62% $15,818

    The top San Diego VA lender as defined by loan originations is QUICKEN LOANS, LLC, with 2,246 VA loans originated. Their average total fees are $5,293, which is $4,096 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee San Diego VA lenders (with over 10 loans originated) are Wyndham Capital Mortgage, Inc. ($2,521), FRONTWAVE ($2,610), Lakeview Community Capital, LLC ($3,168), LAKEVIEW LOAN SERVICING, LLC ($3,187) and AMERICAN PORTFOLIO MORTGAGE CORPORATION ($3,369).

    The lowest rate San Diego VA lenders (with over 10 loans originated) are ACCELERATE MORTGAGE, LLC (2.18%), CLEARPATH LENDING (2.21%), VILLAGE CAPITAL & INVESTMENT LLC (2.21%), BNC National Bank (2.24%) and AMERICAN PORTFOLIO MORTGAGE CORPORATION (2.30%).

    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.