St. George VA Loan Rates, Closing Costs & Stats

ST. GEORGE, UT

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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.

    St. George's 62 lenders originated 304 VA loans during 2024. The total origination value was $154,190,000, with an average VA loan value of $507,204.

    St. George VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in St. George averaged 6.59% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    St. George's average VA mortgage closing costs are $7,110.

    The average rate for the prior week (2025-07-11) was 6.77% and one month ago for the week of 2025-06-13, the average rate was 6.75%.

    The average rate one year ago was 6.65%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.57%.

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

    St. George 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 St. George level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 47 5.89% $7,225
    GUILD MORTGAGE COMPANY 27 6.11% $15,540
    Mortgage Research Center, LLC 20 6.32% $4,558
    QUICKEN LOANS, LLC 18 6.01% $9,891
    SUN AMERICAN MORTGAGE COMPANY 15 6.00% $17,217
    DHI MORTGAGE COMPANY, LTD. 14 5.33% $10,266
    INTERCAP LENDING INC. 13 6.07% $8,617
    FIRST COLONY MORTGAGE CORPORATION 11 6.43% $8,108
    BELEM SERVICING LLC 11 6.12% $10,445
    The Loan Store, Inc. 10 6.07% $10,042
    FREEDOM MORTGAGE CORPORATION 8 6.16% $8,798
    The Federal Savings Bank 7 6.21% $14,412
    PENNYMAC LOAN SERVICES, LLC 7 5.36% $16,101
    USAA Federal Savings Bank 6 6.38% $5,855
    LOANDEPOT.COM, LLC 5 6.32% $10,882
    MOUNTAIN AMERICA 4 5.72% $12,521
    CROSSCOUNTRY MORTGAGE, LLC 4 5.78% $2,045
    MY MOVE MORTGAGE, LLC 4 6.25% $16,482
    NEWREZ LLC 3 6.12% $7,214
    BROKER SOLUTIONS, INC. 2 6.25% $22,097
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.88% $13,255
    CANOPY MORTGAGE, LLC 2 5.87% $28,796
    Century Mortgage Company DBA Century Lending Company 2 6.06% $12,007
    CMG MORTGAGE, INC. 2 5.99% $6,430
    DIRECT MORTGAGE, CORP. 2 5.81% $6,022
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.50% $4,752
    GUARANTEED RATE, INC. 2 6.12% $7,397
    LAKEVIEW LOAN SERVICING, LLC 2 5.63% $5,510
    LAND HOME FINANCIAL SERVICES, INC. 2 5.88% $4,083
    Magnolia Bank 2 6.00% $23,694
    Mr. Cooper ( Nationstar Mortgage ) 2 5.50% $13,533
    SECURITYNATIONAL MORTGAGE COMPANY 2 6.25% $8,762
    U.S. Bank 2 6.00% $5,416
    VILLAGE CAPITAL MORTGAGE 2 5.38% $9,754
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $6,154
    MORIA DEVELOPMENT, INC. 1 6.75% $25,940
    Glacier Bank 1 5.63% $9,848
    Flagstar Bank, FSB 1 4.63% $11,685
    Waterstone Mortgage Corporation 1 7.13% $7,622
    First Federal Bank 1 5.25% $11,376
    NAVY FEDERAL CREDIT UNION 1 5.88% $8,922
    CITYWIDE HOME LOANS, LLC 1 6.13% $6,983
    North American Savings Bank, F.S.B. 1 5.63% $2,518
    CASTLE & COOKE MORTGAGE, LLC 1 6.25% $7,559
    PENTAGON FEDERAL CREDIT UNION 1 5.88% $7,438
    PLANET HOME LENDING, LLC 1 5.63% $1,412
    Carrington Mortgage Services, LLC 1 5.25% $17,236
    RANLIFE, INC. 1 6.25% $20,690
    S1L, Inc. 1 5.13% $17,532
    SECURITY HOME MORTGAGE, LLC. 1 5.63% $11,860
    VERITAS FUNDING, LLC 1 5.99% $13,610
    Sierra Pacific Mortgage Company, Inc. 1 5.63% $3,817
    AMERICAN FINANCING CORPORATION 1 6.75% $21,904
    Texana Bank 1 5.63% $42,474
    BAY EQUITY LLC 1 6.25% $22,834
    GUARANTEED RATE AFFINITY, LLC 1 6.05% $3,274
    HOMESIDE FINANCIAL, LLC 1 5.88% $21,793
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.75% $7,950
    JPMorgan Chase Bank 1 5.75% $3,852
    Barrington Bank & Trust Company, N.A. 1 5.25% $3,017
    Bank of Utah 1 6.25% $7,491
    GOLDENWEST 1 5.75% $10,702

    The top St. George VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 47 VA loans originated. Their average total fees are $7,225, which is $8,315 lower than the next largest lender, GUILD MORTGAGE COMPANY.

    The lowest fee St. George VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,558), UNITED WHOLESALE MORTGAGE, LLC ($7,225), FIRST COLONY MORTGAGE CORPORATION ($8,108), INTERCAP LENDING INC. ($8,617) and QUICKEN LOANS, LLC ($9,891).

    The lowest rate St. George VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.33%), UNITED WHOLESALE MORTGAGE, LLC (5.89%), SUN AMERICAN MORTGAGE COMPANY (6.00%), QUICKEN LOANS, LLC (6.01%) and The Loan Store, Inc. (6.07%).

    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.