Tahlequah VA Loan Rates, Closing Costs & Stats

Tahlequah, OK

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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.

    Tahlequah's 29 lenders originated 67 VA loans during 2024. The total origination value was $17,015,000, with an average VA loan value of $253,955.

    Tahlequah VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Tahlequah averaged 0.39% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Tahlequah's average VA mortgage closing costs are $5,583.

    The average rate for the prior week (2025-06-13) was 6.84% and one month ago for the week of 2025-05-16, the average rate was 7%.

    The average rate one year ago was 6.89%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.2%.

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

    Tahlequah 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 Tahlequah level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 10 6.80% $2,792
    FREEDOM MORTGAGE CORPORATION 7 6.05% $3,127
    USAA Federal Savings Bank 5 6.08% $8,442
    Arvest Bank 3 6.63% $5,625
    NAVY FEDERAL CREDIT UNION 3 6.08% $3,583
    FLAT BRANCH MORTGAGE, INC. 3 7.13% $4,317
    QUICKEN LOANS, LLC 3 5.99% $5,234
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 6.83% $1,732
    UNITED WHOLESALE MORTGAGE, LLC 3 5.75% $3,172
    NEW DAY FINANCIAL, LLC 2 7.74% $9,868
    BROKER SOLUTIONS, INC. 2 6.87% $10,269
    American Bank of Oklahoma 2 6.19% $6,569
    OPEN MORTGAGE, LLC 2 6.50% $3,613
    The Federal Savings Bank 2 6.69% $6,149
    UNION HOME MORTGAGE CORP. 1 6.63% $8,576
    VILLAGE CAPITAL MORTGAGE 1 6.25% $4,699
    American Mortgage Bank, LLC 1 6.63% $3,293
    AMERISAVE MORTGAGE CORPORATION 1 6.38% $13,293
    Century Mortgage Company DBA Century Lending Company 1 5.75% $6,120
    Credence Funding Corporation 1 5.75% $1,863
    DEVELOPER'S MORTGAGE COMPANY 1 6.63% $627
    Firstar Bank 1 5.99% $3,804
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.25% $4,587
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.63% $24,134
    PENNYMAC LOAN SERVICES, LLC 1 6.62% $10,386
    PLUS RELOCATION MORTGAGE, LLC 1 5.75% $16,368
    RUOFF MORTGAGE COMPANY, INC. 1 6.13% $6,830
    SUN WEST MORTGAGE COMPANY, INC. 1 5.50% $7,611
    TTCU Federal Credit Union 1 6.88% $3,471

    The top Tahlequah VA lender as defined by loan originations is Mortgage Research Center, LLC, with 10 VA loans originated. Their average total fees are $2,792, which is $335 lower than the next largest lender, FREEDOM MORTGAGE CORPORATION.

    The lowest fee Tahlequah VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($2,792), .

    The lowest rate Tahlequah VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.80%), .

    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.