San Diego VA Loan Rates, Closing Costs & Stats

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 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 Diego's 146 lenders originated 4,931 VA loans during 2024. The total origination value was $3,785,285,000, with an average VA loan value of $767,651.

    San Diego VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in San Diego averaged 0.14% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    San Diego's average VA mortgage closing costs are $9,516.

    The average rate for the prior week (2025-06-13) was 6.59% and one month ago for the week of 2025-05-16, the average rate was 6.55%.

    The average rate one year ago was 6.95%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.09%.

    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/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the San Diego level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 1,369 5.86% $12,161
    QUICKEN LOANS, LLC 311 5.87% $14,668
    Mortgage Research Center, LLC 245 6.11% $12,271
    CROSSCOUNTRY MORTGAGE, LLC 234 6.14% $16,035
    PENNYMAC LOAN SERVICES, LLC 230 5.73% $15,078
    FREEDOM MORTGAGE CORPORATION 206 5.95% $17,272
    NAVY FEDERAL CREDIT UNION 141 5.79% $10,761
    CMG MORTGAGE, INC. 138 6.01% $21,236
    NEWREZ LLC 130 5.99% $13,141
    LOANDEPOT.COM, LLC 117 5.71% $19,368
    EAGLE HOME MORTGAGE, LLC 99 5.74% $13,109
    GUARANTEED RATE, INC. 70 5.84% $9,486
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 69 6.32% $14,056
    The Loan Store, Inc. 60 6.09% $14,853
    AMERICAN PACIFIC MORTGAGE CORPORATION 51 6.41% $24,878
    POINT Mortgage 51 5.97% $12,121
    VILLAGE CAPITAL MORTGAGE 47 5.61% $11,976
    Flagstar Bank, FSB 38 6.00% $15,281
    The Federal Savings Bank 34 5.91% $29,783
    Century Mortgage Company DBA Century Lending Company 34 6.10% $12,508
    MORTGAGEONE, INC. 33 6.19% $15,183
    SUN WEST MORTGAGE COMPANY, INC. 33 6.11% $18,581
    LAKEVIEW LOAN SERVICING, LLC 31 5.68% $7,006
    U.S. Bank 29 5.97% $12,795
    Paramount Residential Mortgage Group, Inc. 28 6.34% $18,817
    KBHS HOME LOANS, LLC 27 5.55% $14,533
    AMERICAN FINANCIAL NETWORK, INC. 25 6.16% $13,470
    PLANET HOME LENDING, LLC 24 5.52% $6,224
    S1L, Inc. 24 6.23% $19,145
    PLAZA HOME MORTGAGE, INC. 23 5.94% $21,241
    BROKER SOLUTIONS, INC. 22 6.34% $23,186
    FIRST COLONY MORTGAGE CORPORATION 21 6.02% $11,107
    Barrington Bank & Trust Company, N.A. 20 5.99% $15,775
    INTERCAP LENDING INC. 20 5.98% $8,683
    MOVEMENT MORTGAGE, LLC 20 6.22% $13,147
    American Mortgage & Equity Consultants, Inc. 19 6.37% $13,967
    JMJ FINANCIAL GROUP 19 6.13% $16,319
    Mr. Cooper ( Nationstar Mortgage ) 19 5.64% $14,804
    BAY EQUITY LLC 19 6.32% $19,906
    GUILD MORTGAGE COMPANY 18 5.35% $15,907
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 18 6.09% $15,926
    NEW DAY FINANCIAL, LLC 18 7.58% $24,170
    ZILLOW HOME LOANS, LLC 17 5.89% $16,759
    Shea Mortgage Inc. 17 6.06% $16,089
    MORTGAGE SOLUTIONS OF COLORADO, LLC 17 6.67% $13,046
    OCMBC, INC. 17 6.19% $14,123
    Prosperity Home Mortgage, LLC 16 6.13% $20,519
    Golden Empire Mortgage, Inc. 15 6.01% $19,594
    Equity Prime Mortgage LLC 15 6.02% $15,199
    Lakeview Community Capital, LLC 14 5.58% $12,288
    Cornerstone First Mortgage, Inc 14 6.10% $26,508
    NP, Inc. 13 6.58% $29,690
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 12 6.31% $16,721
    USAA Federal Savings Bank 12 6.17% $16,279
    HOMEBRIDGE FINANCIAL SERVICES, INC. 12 6.03% $9,414
    Sierra Pacific Mortgage Company, Inc. 11 5.94% $19,950
    NBKC BANK 11 5.77% $9,375
    GUARANTEED RATE AFFINITY, LLC 11 5.88% $12,317
    MUTUAL OF OMAHA MORTGAGE, INC. 10 6.19% $16,157
    PRIMELENDING, A PLAINSCAPITAL COMPANY 10 6.16% $21,056
    CARDINAL FINANCIAL 10 6.31% $20,890
    First Federal Bank 9 5.72% $14,811
    Hometown Equity Mortgage, LLC 9 6.07% $17,111
    AXIA FINANCIAL, LLC 9 5.97% $14,805
    JPMorgan Chase Bank 9 5.72% $9,229
    Pacific Lending LLC 8 6.20% $17,686
    LOANPAL, LLC 8 5.78% $18,880
    San Diego Funding 8 6.06% $22,134
    Franklin Loan Corporation 7 6.29% $8,392
    Carrington Mortgage Services, LLC 7 6.00% $16,282
    NATIONS DIRECT MORTGAGE, LLC 6 5.88% $23,903
    Ameris Bank 6 5.96% $13,418
    HOMEOWNERS FINANCIAL GROUP USA, LLC 6 6.00% $26,210
    INSPIRE HOME LOANS INC. 6 5.10% $19,855
    JMAC LENDING, INC. 6 5.98% $15,305
    NORWICH COMMERCIAL GROUP, INC. 6 5.63% $6,651
    Magnolia Bank 5 5.60% $16,821
    AMERISAVE MORTGAGE CORPORATION 5 6.10% $32,947
    GENEVA FINANCIAL, LLC 5 6.50% $30,258
    AmeriHome Mortgage Company, LLC 4 6.03% $20,169
    ML Mortgage Corp. 4 6.09% $5,212
    GoPrime Mortgage, Inc. 4 6.28% $22,990
    MOUNTAIN WEST FINANCIAL, INC. 4 6.28% $25,480
    EVERETT FINANCIAL, INC. 4 5.47% $11,492
    V.I.P. MORTGAGE, INC. 4 6.53% $14,847
    SUMMIT FUNDING, INC. 4 6.25% $15,944
    PACIFIC RESIDENTIAL MORTGAGE, LLC 4 6.34% $17,394
    CLEARPATH LENDING 3 5.58% $25,976
    MICHIGAN MUTUAL, INC. 3 6.75% $5,851
    Nations Lending Corporation 3 6.50% $11,689
    AMERICAN FINANCIAL RESOURCES, INC. 3 6.08% $17,326
    PHH Mortgage Corporation 3 5.29% $22,945
    UNION HOME MORTGAGE CORP. 3 6.04% $18,080
    PENTAGON FEDERAL CREDIT UNION 3 6.25% $3,212
    LADERA LENDING, INC. 3 6.00% $17,799
    MLD MORTGAGE INC. 2 5.69% $11,047
    CALCON MUTUAL MORTGAGE LLC 2 5.94% $13,587
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 5.56% $22,869
    BAY-VALLEY MORTGAGE GROUP 2 6.31% $23,282
    Home Mortgage Alliance Corp 2 6.63% $9,003
    FIRST NATIONS HOME FINANCE CORPORATION 2 6.19% $13,710
    NOVA FINANCIAL & INVESTMENT CORPORATION 2 6.75% $10,703
    VERITAS FUNDING, LLC 2 6.50% $37,634
    ONY GLO, INC. 2 6.06% $13,815
    CHURCHILL MORTGAGE CORPORATION 2 6.06% $22,083
    Credence Funding Corporation 2 5.56% $11,702
    CANOPY MORTGAGE, LLC 2 6.38% $22,242
    M&T Bank 1 6.38% $7,540
    ALAMEDA MORTGAGE CORPORATION 1 6.49% $19,844
    AMERITRUST MORTGAGE CORPORATION 1 6.13% $27,766
    Armed Forces Bank 1 5.25% $17,224
    AUGUSTA FINANCIAL, INC. 1 6.00% $29,436
    Bell Bank 1 6.25% $5,996
    BMO Harris Bank 1 5.63% $25,082
    CAMPOS FINANCIAL CORP. 1 6.25% $7,209
    Citibank 1 6.63% $8,584
    Commerce Home Mortgage, Inc. 1 5.63% $6,767
    CORNERSTONE HOME LENDING, INC. 1 6.25% $16,742
    DIGNIFIED HOME LOANS, LLC 1 5.75% $21,471
    DIRECTIONS EQUITY, LLC 1 6.13% $10,483
    DIRECTORS MORTGAGE, INC. 1 6.88% $14,277
    FBC MORTGAGE, LLC 1 6.25% $7,921
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 5.38% $34,552
    First National Bank Texas 1 6.63% $5,174
    First Western Trust Bank 1 5.75% $9,044
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.75% $29,738
    HighTechLending Inc 1 6.75% $5,381
    HOMESIDE FINANCIAL, LLC 1 6.75% $19,437
    INTELLILOAN, INC. 1 6.99% $24,273
    ISERVE RESIDENTIAL LENDING, LLC 1 6.13% $13,839
    MID AMERICA MORTGAGE, INC. 1 6.63% $34,515
    MORIA DEVELOPMENT, INC. 1 6.75% $5,067
    Advisors Mortgage Group, L.L.C. 1 6.50% $24,630
    NBH Bank 1 6.63% $4,679
    NETWORK CAPITAL FUNDING CORPORATION 1 6.13% $6,053
    NFM, INC. 1 5.75% $1,533
    North American Savings Bank, F.S.B. 1 6.00% $9,869
    Plains Commerce Bank 1 5.25% $8,012
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.13% $37,102
    RESIDENTIAL MORTGAGE, LLC 1 6.13% $6,557
    Strong Home Mortgage, LLC 1 6.25% $3,324
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.13% $8,974
    TOP FLITE FINANCIAL, INC. 1 6.63% $8,999
    TOWNE MORTGAGE COMPANY 1 6.13% $16,286
    US MORTGAGE CORPORATION 1 6.25% $16,962
    Wells Fargo Bank 1 6.75% $20,990

    The top San Diego VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 1,369 VA loans originated. Their average total fees are $12,161, which is $2,507 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee San Diego VA lenders (with over 10 loans originated) are PLANET HOME LENDING, LLC ($6,224), LAKEVIEW LOAN SERVICING, LLC ($7,006), INTERCAP LENDING INC. ($8,683), NBKC BANK ($9,375) and HOMEBRIDGE FINANCIAL SERVICES, INC. ($9,414).

    The lowest rate San Diego VA lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY (5.35%), PLANET HOME LENDING, LLC (5.52%), KBHS HOME LOANS, LLC (5.55%), Lakeview Community Capital, LLC (5.58%) and VILLAGE CAPITAL MORTGAGE (5.61%).

    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.