San Diego VA Loans

SAN DIEGO-CHULA VISTA-CARLSBAD, CA

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.