Tampa VA Loan Rates, Closing Costs & Stats

TAMPA-ST. PETERSBURG-CLEARWATER, FL

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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.

    Tampa's 244 lenders originated 7,406 VA loans during 2024. The total origination value was $3,132,790,000, with an average VA loan value of $423,007.

    Tampa VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Tampa averaged 0.43% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Tampa's average VA mortgage closing costs are $7,262.

    The average rate for the prior week (2025-06-13) was 6.87% and one month ago for the week of 2025-05-16, the average rate was 6.43%.

    The average rate one year ago was 6.83%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.17%.

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

    Tampa 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 Tampa level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 1,064 5.95% $8,846
    Mortgage Research Center, LLC 719 6.34% $8,145
    FREEDOM MORTGAGE CORPORATION 528 6.09% $12,110
    EAGLE HOME MORTGAGE, LLC 424 4.84% $4,919
    QUICKEN LOANS, LLC 395 6.03% $11,396
    NAVY FEDERAL CREDIT UNION 266 5.91% $7,151
    DHI MORTGAGE COMPANY, LTD. 262 5.49% $6,696
    CROSSCOUNTRY MORTGAGE, LLC 165 6.28% $9,519
    NEWREZ LLC 165 6.17% $9,531
    VILLAGE CAPITAL MORTGAGE 145 5.80% $7,410
    CMG MORTGAGE, INC. 140 5.57% $15,430
    LOANDEPOT.COM, LLC 124 5.74% $12,024
    PENNYMAC LOAN SERVICES, LLC 108 5.78% $10,039
    NEW DAY FINANCIAL, LLC 96 7.55% $14,927
    M/I FINANCIAL, LLC 89 5.64% $18,636
    USAA Federal Savings Bank 86 6.12% $11,473
    GUARANTEED RATE, INC. 78 5.90% $8,164
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 74 6.55% $9,107
    EVERETT FINANCIAL, INC. 58 6.66% $13,340
    CARDINAL FINANCIAL 58 6.06% $13,617
    HOMESIDE FINANCIAL, LLC 56 6.41% $9,530
    Equity Prime Mortgage LLC 54 6.64% $10,389
    MOVEMENT MORTGAGE, LLC 46 6.48% $10,785
    PULTE MORTGAGE LLC 44 5.16% $5,716
    Regions Bank 43 5.89% $18,105
    LAKEVIEW LOAN SERVICING, LLC 41 5.74% $7,117
    FBC MORTGAGE, LLC 40 5.75% $10,489
    Mr. Cooper ( Nationstar Mortgage ) 40 6.17% $12,531
    Paramount Residential Mortgage Group, Inc. 39 6.36% $13,587
    UNION HOME MORTGAGE CORP. 38 6.34% $12,064
    Mid-Continent Funding, Inc. 38 6.16% $9,168
    Century Mortgage Company DBA Century Lending Company 35 5.89% $7,482
    NVR Mortgage Finance, Inc. 35 5.99% $5,416
    PENTAGON FEDERAL CREDIT UNION 34 6.06% $8,510
    NFM, INC. 34 6.28% $13,035
    MORTGAGE SOLUTIONS OF COLORADO, LLC 34 7.03% $4,636
    BROKER SOLUTIONS, INC. 33 6.43% $13,614
    KBHS HOME LOANS, LLC 32 5.90% $9,460
    SUN WEST MORTGAGE COMPANY, INC. 32 5.99% $9,524
    The Federal Savings Bank 31 6.27% $20,941
    GERSHMAN INVESTMENT CORP. 30 6.36% $6,697
    PLANET HOME LENDING, LLC 30 5.82% $7,822
    MUTUAL OF OMAHA MORTGAGE, INC. 29 6.25% $14,389
    VAN DYK MORTGAGE CORPORATION 28 6.49% $8,995
    THE MORTGAGE FIRM, INC. 27 6.55% $9,670
    Carrington Mortgage Services, LLC 27 6.21% $13,618
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 27 6.04% $9,529
    VANDERBILT MORTGAGE AND FINANCE, INC. 26 5.01% $3,909
    NBKC BANK 25 5.89% $7,487
    Barrington Bank & Trust Company, N.A. 23 6.39% $8,070
    AMERICAN FINANCIAL NETWORK, INC. 22 6.41% $8,449
    GUARANTEED RATE AFFINITY, LLC 21 6.17% $15,869
    Flagstar Bank, FSB 21 6.31% $12,305
    JMAC LENDING, INC. 19 6.04% $11,449
    First Federal Bank 19 5.72% $8,254
    CLEARPATH LENDING 18 5.91% $8,963
    South Pacific Financial Corporation 17 6.10% $7,695
    The Loan Store, Inc. 17 6.18% $13,852
    PLAZA HOME MORTGAGE, INC. 16 6.11% $12,998
    Magnolia Bank 16 5.96% $21,173
    GUILD MORTGAGE COMPANY 16 6.27% $12,196
    Plains Commerce Bank 15 6.50% $8,105
    Truist 15 6.29% $6,797
    Lakeview Community Capital, LLC 14 5.57% $6,141
    Keystone Funding, Inc. 14 6.39% $12,916
    TOP FLITE FINANCIAL, INC. 14 6.32% $10,310
    EMM LOANS LLC 14 6.33% $9,237
    U.S. Bank 14 6.15% $14,630
    HOME SOLUTION LENDERS INC. 14 5.84% $18,101
    LOANPAL, LLC 13 5.71% $13,317
    Hancock Whitney Bank 13 6.04% $9,674
    MATTAMY HOME FUNDING, LLC 12 5.78% $5,856
    HOMEOWNERS FINANCIAL GROUP USA, LLC 12 6.08% $19,226
    EMBRACE HOME LOANS, INC. 12 5.85% $10,268
    AMERISAVE MORTGAGE CORPORATION 12 6.01% $27,143
    JPMorgan Chase Bank 12 5.95% $5,760
    Waterstone Mortgage Corporation 12 6.59% $22,341
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 11 6.13% $13,341
    TOWNE MORTGAGE COMPANY 9 6.60% $14,772
    AMERICAN PACIFIC MORTGAGE CORPORATION 9 6.40% $14,938
    GARDNER FINANCIAL SERVICES, LTD. 9 6.53% $8,475
    PRIMELENDING, A PLAINSCAPITAL COMPANY 9 6.53% $6,523
    HOMEAMERICAN MORTGAGE CORPORATION 9 4.90% $3,159
    South State Bank 9 5.94% $8,863
    NETWORK CAPITAL FUNDING CORPORATION 9 6.24% $11,991
    MICHIGAN MUTUAL, INC. 8 6.47% $7,751
    First Horizon Bank 8 6.06% $8,720
    FIRST COMMUNITY MORTGAGE, INC. 8 6.78% $10,395
    PREFERRED LENDING SERVICES, LLC 7 6.55% $9,440
    BAY EQUITY LLC 7 6.23% $10,372
    PARK SQUARE HOME MORTGAGE, LLC 7 5.55% $3,354
    NATIONS DIRECT MORTGAGE, LLC 7 5.98% $10,459
    LEADERONE FINANCIAL CORPORATION 7 6.14% $9,813
    HOMEBRIDGE FINANCIAL SERVICES, INC. 7 6.46% $15,722
    GENEVA FINANCIAL, LLC 7 6.54% $8,776
    ZILLOW HOME LOANS, LLC 6 5.96% $5,389
    VERITAS FUNDING, LLC 6 6.27% $16,064
    STOCKTON MORTGAGE CORPORATION 6 6.54% $12,507
    Sierra Pacific Mortgage Company, Inc. 6 6.15% $10,152
    ABSOLUTE HOME MORTGAGE CORPORATION 6 6.27% $16,090
    Armed Forces Bank 6 5.79% $4,780
    Texana Bank 5 6.58% $12,414
    Ameris Bank 5 5.30% $8,937
    Atlantic Coast Mortgage, LLC 5 6.17% $14,633
    FIRST COLONY MORTGAGE CORPORATION 5 6.10% $6,410
    FIRST MORTGAGE COMPANY, INC. 5 5.50% $18,874
    LADERA LENDING, INC. 5 5.97% $10,563
    LOANFLIGHT LENDING, LLC 5 6.47% $10,523
    MID AMERICA MORTGAGE, INC. 5 6.55% $26,307
    Midwest Mortgage Associates Corporation 5 6.78% $9,535
    Nations Lending Corporation 5 6.15% $11,591
    Presidential Bank, FSB 5 6.23% $9,167
    Victorian Finance, LLC 5 6.33% $8,911
    SWBC MORTGAGE CORPORATION 4 6.75% $7,825
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 6.31% $12,128
    T2 FINANCIAL LLC 4 6.53% $9,328
    PRIMARY RESIDENTIAL MORTGAGE, INC. 4 6.41% $16,568
    OPEN MORTGAGE, LLC 4 6.81% $10,170
    BELEM SERVICING LLC 4 5.94% $10,928
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 4 6.38% $14,500
    First Option Mortgage, LLC 4 6.22% $8,322
    AmeriHome Mortgage Company, LLC 4 6.12% $14,592
    Cornerstone First Mortgage, Inc 4 5.94% $12,064
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 4 6.50% $12,110
    TIDEWATER MORTGAGE SERVICES, INC. 4 6.28% $13,166
    ISERVE RESIDENTIAL LENDING, LLC 4 6.16% $16,063
    EQUITY RESOURCES, INC. 4 6.78% $6,278
    SFMC, LP 4 6.31% $8,782
    CHURCHILL MORTGAGE CORPORATION 4 6.06% $9,912
    ALLIED MORTGAGE GROUP, INC. 4 5.97% $7,938
    Fifth Third Bank 4 6.41% $7,054
    Mortgage Lenders Investment Trading Corporation 4 7.00% $15,488
    NJ LENDERS CORP. 4 6.09% $11,615
    INSPIRE HOME LOANS INC. 4 5.66% $4,092
    NORWICH COMMERCIAL GROUP, INC. 4 5.88% $7,727
    CITY FIRST MORTGAGE SERVICES, L.L.C. 4 6.72% $9,603
    Credence Funding Corporation 4 5.72% $4,349
    Strong Home Mortgage, LLC 4 6.00% $3,626
    SUCCESS MORTGAGE PARTNERS, INC. 4 6.43% $20,154
    PHH Mortgage Corporation 4 5.81% $10,806
    Hometown Equity Mortgage, LLC 4 6.34% $12,013
    INTELLILOAN, INC. 3 5.96% $1,627
    Prosperity Home Mortgage, LLC 3 6.16% $13,349
    Centennial Bank 3 6.63% $11,755
    Capital City Home Loans, LLC 3 6.50% $8,594
    Residential Acceptance Corporation 3 6.83% $12,458
    GSF Mortgage Corporation 3 6.67% $12,326
    FAIRWAY FUNDING GROUP, INC. 3 6.17% $8,994
    CALCON MUTUAL MORTGAGE LLC 3 5.96% $10,262
    GoPrime Mortgage, Inc. 3 6.66% $13,019
    HomePromise Corporation 3 7.25% $11,345
    Bell Bank 3 6.17% $9,308
    MORTGAGEONE, INC. 3 6.71% $4,583
    Towne Bank 3 6.21% $13,047
    American Mortgage & Equity Consultants, Inc. 3 6.71% $7,823
    AMERICAN FINANCIAL RESOURCES, INC. 3 6.92% $8,806
    V.I.P. MORTGAGE, INC. 3 6.17% $13,699
    Wells Fargo Bank 3 6.42% $9,134
    Ixonia Bank 3 6.71% $9,613
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 6.69% $10,065
    UNITED MORTGAGE CORP 2 6.50% $10,494
    LAKE MICHIGAN CREDIT UNION 2 6.00% $4,003
    University Bank 2 6.13% $9,678
    Synovus Bank 2 6.31% $14,631
    GMFS LLC 2 6.00% $4,305
    Old National Bank 2 5.62% $9,901
    AMERICAN FINANCING CORPORATION 2 6.00% $13,217
    MILEND, INC. 2 7.19% $15,536
    Republic Bank & Trust Company 2 5.63% $11,939
    NP, Inc. 2 6.88% $6,686
    North American Savings Bank, F.S.B. 2 5.75% $11,124
    ALKAN MORTGAGE CORPORATION 2 6.19% $13,539
    Citizens Bank 2 5.81% $9,023
    MORTGAGE ACCESS CORP. 2 6.19% $7,575
    TJC Mortgage, Inc. 2 6.00% $19,818
    BancorpSouth 2 6.00% $10,146
    MY MORTGAGE, INC. 2 6.38% $12,781
    Arvest Bank 2 6.25% $2,768
    CONTOUR MORTGAGE CORPORATION 2 5.81% $11,182
    The Huntington National Bank 2 7.38% $8,024
    JMJ FINANCIAL GROUP 1 6.25% $8,875
    J. VIRGIL, INC. 1 5.75% $5,465
    HOMESTEAD FUNDING CORP. 1 6.13% $10,389
    KEESLER 1 5.50% $5,544
    HOMESPIRE MORTGAGE CORPORATION 1 6.75% $462
    ACHIEVA CREDIT UNION 1 6.38% $6,288
    Home Loan Investment Bank, F.S.B. 1 6.75% $4,756
    LEGEND LENDING CORPORATION 1 6.63% $21,416
    LIBERTY HOME MORTGAGE CORPORATION 1 7.13% $22,821
    GTE Federal Credit Union 1 6.75% $8,064
    Goldwater Bank, N.A. 1 6.13% $5,295
    METROPLEX MORTGAGE SERVICES, INC. 1 5.99% $3,448
    Golden Empire Mortgage, Inc. 1 6.25% $9,309
    Watermark Capital, Inc. 1 5.75% $3,752
    FLAT BRANCH MORTGAGE, INC. 1 6.13% $15,880
    MORTGAGE CENTER L.C 1 6.50% $2,581
    MORTGAGE EQUITY PARTNERS LLC 1 6.75% $26,870
    First State Bank of St. Charles, Missouri 1 6.25% $12,481
    FIRST HOME MORTGAGE CORPORATION 1 5.63% $15,771
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.25% $10,608
    M&T Bank 1 6.13% $7,757
    Farmers Bank & Trust 1 5.25% $4,944
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.13% $49,489
    FAMILY FINANCE MORTGAGE, LLC 1 6.13% $18,817
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 5.25% $10,162
    NEW FED MORTGAGE, CORP. 1 6.25% $8,433
    ENVOY MORTGAGE, LTD 1 5.88% $9,972
    DAS Acquisition Company, LLC 1 6.75% $5,231
    ON Q FINANCIAL, INC. 1 6.75% $325
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.25% $8,838
    CORNERSTONE HOME LENDING, INC. 1 6.75% $2,391
    COMPASS MORTGAGE, INC. 1 6.63% $12,323
    CityWorth Mortgage LLC 1 6.25% $12,391
    PNC Bank 1 6.75% $5,045
    PREMIA MORTGAGE, LLC 1 5.63% $6,056
    Premium Mortgage Corporation 1 5.75% $12,221
    Chambers Bank 1 5.75% $6,173
    CBC Federal Credit Union 1 5.63% $6,496
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.75% $7,322
    ROSS MORTGAGE CORPORATION 1 6.13% $4,449
    ROYAL UNITED MORTGAGE LLC 1 6.75% $12,827
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.13% $18,780
    ServisFirst Bank 1 6.63% $6,895
    SIRVA MORTGAGE, INC. 1 7.00% $12,776
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 6.75% $2,912
    BM Real Estate Services, Inc. 1 6.50% $7,460
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.63% $2,806
    Blue Ridge Bank 1 5.63% $8,922
    SOUTHWEST STAGE FUNDING, LLC 1 6.38% $100
    BETTER MORTGAGE CORPORATION 1 6.00% $2,761
    Stride Bank 1 6.13% $7,374
    SUMMIT MORTGAGE CORPORATION 1 5.25% $4,534
    TBI MORTGAGE COMPANY 1 6.00% $27,177
    TD Bank 1 6.63% $31,939
    Bank of America 1 7.00% $11,147
    The Freedom Bank of Virginia 1 6.13% $4,340
    Assurance Financial Group, L.L.C. 1 6.12% $4,754
    Trinity Oaks Mortgage, LLC 1 6.25% $24,408
    American Security Mortgage Corp. 1 6.00% $7,608
    US MORTGAGE CORPORATION 1 6.75% $4,356
    Vellum Mortgage, Inc. 1 7.00% $62,284
    AMERICAN BANCSHARES MORTGAGE 1 7.75% $19,449
    INTERCAP LENDING INC. 1 5.63% $3,134
    HOMEXPRESS MORTGAGE CORP. 1 6.75% $7,573

    The top Tampa VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 1,064 VA loans originated. Their average total fees are $8,846, which is $701 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Tampa VA lenders (with over 10 loans originated) are VANDERBILT MORTGAGE AND FINANCE, INC. ($3,909), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,636), EAGLE HOME MORTGAGE, LLC ($4,919), NVR Mortgage Finance, Inc. ($5,416) and PULTE MORTGAGE LLC ($5,716).

    The lowest rate Tampa VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.84%), VANDERBILT MORTGAGE AND FINANCE, INC. (5.01%), PULTE MORTGAGE LLC (5.16%), DHI MORTGAGE COMPANY, LTD. (5.49%) and CMG MORTGAGE, INC. (5.57%).

    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.