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.