Tucson VA Loan Rates, Closing Costs & Stats

TUCSON, AZ

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.

Tucson's 125 lenders originated 3,001 VA loans during 2024. The total origination value was $1,114,585,000, with an average VA loan value of $371,405.

Tucson VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Tucson averaged -0.08% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

Tucson's average VA mortgage closing costs are $6,602.

The average rate for the prior week (2025-06-27) was 6.35% and one month ago for the week of 2025-05-30, the average rate was 6.48%.

The average rate one year ago was 6.69%.

For refis of the same type during the week of 2025-07-04, the average rate was -0.25%.

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

Tucson 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 Tucson level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 266 5.82% $8,061
Mortgage Research Center, LLC 222 6.23% $7,123
LOANDEPOT.COM, LLC 164 5.48% $12,558
CROSSCOUNTRY MORTGAGE, LLC 156 6.11% $7,160
NOVA FINANCIAL & INVESTMENT CORPORATION 144 6.30% $7,050
QUICKEN LOANS, LLC 137 5.89% $11,613
FREEDOM MORTGAGE CORPORATION 126 6.04% $10,784
EAGLE HOME MORTGAGE, LLC 120 4.59% $7,131
DHI MORTGAGE COMPANY, LTD. 120 5.14% $9,169
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 96 6.41% $8,359
GUILD MORTGAGE COMPANY 87 6.12% $11,926
Prosperity Home Mortgage, LLC 70 6.11% $11,547
HOMEAMERICAN MORTGAGE CORPORATION 67 4.77% $6,328
KBHS HOME LOANS, LLC 66 5.29% $7,846
PULTE MORTGAGE LLC 65 5.12% $5,479
V.I.P. MORTGAGE, INC. 62 6.47% $10,347
PENNYMAC LOAN SERVICES, LLC 54 5.63% $8,368
ALTITUDE FINANCIAL CORPORATION 48 6.32% $7,188
MATTAMY HOME FUNDING, LLC 46 5.35% $10,550
NAVY FEDERAL CREDIT UNION 45 5.96% $5,541
USAA Federal Savings Bank 37 6.28% $10,020
GUARANTEED RATE AFFINITY, LLC 35 6.29% $6,773
The Loan Store, Inc. 33 6.06% $10,253
MORIA DEVELOPMENT, INC. 33 6.34% $12,470
NEWREZ LLC 32 5.94% $7,384
VILLAGE CAPITAL MORTGAGE 32 5.70% $6,811
MOVEMENT MORTGAGE, LLC 32 6.25% $10,592
NEW DAY FINANCIAL, LLC 26 7.55% $13,263
AMERICAN PACIFIC MORTGAGE CORPORATION 24 6.70% $9,697
GUARANTEED RATE, INC. 22 5.89% $6,799
PLANET HOME LENDING, LLC 16 6.01% $5,341
SUN WEST MORTGAGE COMPANY, INC. 15 5.79% $7,155
Plains Commerce Bank 14 6.03% $12,277
CLEARPATH LENDING 14 5.70% $7,986
LAKEVIEW LOAN SERVICING, LLC 14 5.95% $8,170
Mr. Cooper ( Nationstar Mortgage ) 12 6.18% $8,311
The Federal Savings Bank 12 6.46% $15,572
Nations Lending Corporation 11 6.44% $6,563
Equity Prime Mortgage LLC 10 6.45% $13,149
Carrington Mortgage Services, LLC 9 5.93% $8,661
T2 FINANCIAL LLC 9 6.25% $4,220
NBKC BANK 9 5.55% $6,950
SUMMIT FUNDING, INC. 8 6.33% $11,796
LOANPAL, LLC 8 6.08% $11,823
JPMorgan Chase Bank 8 6.01% $3,429
Lakeview Community Capital, LLC 6 5.69% $6,343
Flagstar Bank, FSB 6 6.21% $7,820
Magnolia Bank 6 5.85% $20,912
First Federal Bank 6 5.79% $9,984
CMG MORTGAGE, INC. 6 6.25% $8,285
PENTAGON FEDERAL CREDIT UNION 5 5.93% $9,987
Paramount Residential Mortgage Group, Inc. 5 6.53% $9,029
HOMEOWNERS FINANCIAL GROUP USA, LLC 5 6.05% $5,608
HOMEBRIDGE FINANCIAL SERVICES, INC. 5 6.20% $3,311
NETWORK CAPITAL FUNDING CORPORATION 5 6.38% $6,554
AmeriHome Mortgage Company, LLC 4 6.22% $3,545
GENEVA FINANCIAL, LLC 4 6.56% $9,947
VERITAS FUNDING, LLC 4 5.94% $17,544
MUTUAL OF OMAHA MORTGAGE, INC. 4 6.09% $13,878
CARDINAL FINANCIAL 4 6.19% $16,348
TruHome Solutions, LLC 4 6.28% $7,232
MORTGAGE SOLUTIONS OF COLORADO, LLC 4 7.47% $1,114
NORWICH COMMERCIAL GROUP, INC. 4 5.91% $4,814
Armed Forces Bank 3 5.75% $10,327
BROKER SOLUTIONS, INC. 3 5.92% $12,215
U.S. Bank 3 5.46% $11,437
HOMESIDE FINANCIAL, LLC 3 6.21% $14,875
PHH Mortgage Corporation 3 6.08% $13,049
Credence Funding Corporation 3 5.50% $9,662
Sierra Pacific Mortgage Company, Inc. 2 6.44% $4,889
TJC Mortgage, Inc. 2 5.50% $28,834
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.94% $8,193
LADERA LENDING, INC. 2 6.19% $17,590
PLAZA HOME MORTGAGE, INC. 2 6.06% $14,741
ONY GLO, INC. 2 6.44% $7,980
AMERICAN FINANCIAL RESOURCES, INC. 2 6.00% $11,714
UNION HOME MORTGAGE CORP. 2 5.56% $4,048
ALLIED MORTGAGE GROUP, INC. 2 6.50% $2,632
AMERISAVE MORTGAGE CORPORATION 2 5.13% $19,911
AMERICAN FINANCIAL NETWORK, INC. 2 6.69% $5,254
Wells Fargo Bank 2 5.88% $1,803
Arvest Bank 2 5.75% $7,481
Stride Bank 2 6.69% $14,487
CHURCHILL MORTGAGE CORPORATION 2 6.00% $21,005
ZILLOW HOME LOANS, LLC 1 6.63% $9,372
Alaska USA Federal Credit Union 1 6.13% $10,510
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.75% $11,554
AmRes Corporation 1 6.25% $18,655
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 4.75% $5,566
Atlantic Coast Mortgage, LLC 1 6.75% $6,540
Bank of England 1 5.50% $9,844
Barrington Bank & Trust Company, N.A. 1 5.25% $4,230
BAY EQUITY LLC 1 6.25% $650
BECKAM FUNDING CORP. 1 6.13% $11,521
BELEM SERVICING LLC 1 6.99% $9,677
Bell Bank 1 7.25% $6,097
BETTER MORTGAGE CORPORATION 1 6.13% $17,437
BMO Harris Bank 1 7.13% $3,865
CANOPY MORTGAGE, LLC 1 6.25% $10,209
DATA MORTGAGE, INC. 1 6.13% $18,823
DIRECT MORTGAGE, CORP. 1 7.25% $6,182
ENVOY MORTGAGE, LTD 1 6.25% $7,489
EVERETT FINANCIAL, INC. 1 5.25% $28,380
FBC MORTGAGE, LLC 1 6.75% $12,389
Financial Funding Solutions, Inc. 1 6.25% $4,441
FirstBank 1 5.75% $18,266
First Western Trust Bank 1 6.13% $18,087
Glacier Bank 1 6.13% $6,317
INTELLILOAN, INC. 1 6.13% $772
Ixonia Bank 1 5.25% $34,211
LEADERONE FINANCIAL CORPORATION 1 6.25% $17,959
MLD MORTGAGE INC. 1 5.13% $12,107
MORTGAGEONE, INC. 1 5.88% $10,370
NATIONS DIRECT MORTGAGE, LLC 1 5.13% $5,568
NFM, INC. 1 6.25% $22,644
NP, Inc. 1 7.00% $9,765
Performance Financial, Inc. 1 5.75% $6,776
PNC Bank 1 6.25% $5,919
PREMIER LENDING, INC. 1 6.63% $9,253
PREMIER MORTGAGE RESOURCES, L.L.C. 1 4.99% $12,321
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.38% $11,226
Texana Bank 1 6.25% $4,375
Vellum Mortgage, Inc. 1 6.50% $4,605
Wallick & Volk, Inc. 1 7.25% $12,992
Academy Bank 1 5.75% $0

The top Tucson VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 266 VA loans originated. Their average total fees are $8,061, which is $939 higher than the next largest lender, Mortgage Research Center, LLC.

The lowest fee Tucson VA lenders (with over 10 loans originated) are PLANET HOME LENDING, LLC ($5,341), PULTE MORTGAGE LLC ($5,479), NAVY FEDERAL CREDIT UNION ($5,541), HOMEAMERICAN MORTGAGE CORPORATION ($6,328) and Nations Lending Corporation ($6,563).

The lowest rate Tucson VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.59%), HOMEAMERICAN MORTGAGE CORPORATION (4.77%), PULTE MORTGAGE LLC (5.12%), DHI MORTGAGE COMPANY, LTD. (5.14%) and KBHS HOME LOANS, LLC (5.29%).

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.