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 6.38% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

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

The average rate for the prior week (2025-03-28) was 6.1% and one month ago for the week of 2025-02-28, the average rate was 6.18%.

The average rate one year ago was 6.69%.

For refis of the same type during the week of 2025-04-04, the average rate was 6.11%.

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%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Tucson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $266,950 (7.0%) $381,596 (5.7%) 0.99 3,610
2018-02-01 $274,246 (7.0%) $388,338 (4.1%) 1.00 3,499
2018-03-01 $274,900 (4.1%) $388,216 (2.8%) 0.96 3,449
2018-04-01 $279,925 (5.9%) $394,203 (4.8%) 0.95 3,276
2018-05-01 $282,400 (8.7%) $397,709 (5.9%) 0.94 3,219
2018-06-01 $278,000 (5.5%) $391,960 (4.2%) 0.93 3,121
2018-07-01 $279,808 (8.5%) $385,922 (5.1%) 0.93 3,089
2018-08-01 $279,948 (9.8%) $384,745 (6.1%) 0.94 3,044
2018-09-01 $279,900 (9.2%) $384,625 (5.9%) 0.94 3,102
2018-10-01 $277,450 (7.0%) $383,700 (4.3%) 0.94 3,358
2018-11-01 $279,313 (6.7%) $382,574 (1.7%) 0.95 3,480
2018-12-01 $278,000 (6.9%) $388,460 (2.8%) 0.96 3,440
2019-01-01 $279,500 (4.7%) $394,391 (3.4%) 0.97 3,367
2019-02-01 $285,750 (4.2%) $403,772 (4.0%) 0.97 3,416
2019-03-01 $293,857 (6.9%) $416,220 (7.2%) 0.96 3,288
2019-04-01 $298,581 (6.7%) $421,878 (7.0%) 0.95 3,201
2019-05-01 $298,641 (5.8%) $422,167 (6.2%) 0.93 3,040
2019-06-01 $294,500 (5.9%) $413,490 (5.5%) 0.92 2,886
2019-07-01 $287,995 (2.9%) $406,364 (5.3%) 0.90 2,793
2019-08-01 $289,273 (3.3%) $412,402 (7.2%) 0.92 2,717
2019-09-01 $289,682 (3.5%) $417,264 (8.5%) 0.93 2,739
2019-10-01 $289,955 (4.5%) $419,182 (9.3%) 0.94 2,783
2019-11-01 $286,989 (2.8%) $415,873 (8.7%) 0.94 2,814
2019-12-01 $285,500 (2.7%) $413,647 (6.5%) 0.95 2,672
2020-01-01 $287,500 (2.9%) $414,853 (5.2%) 0.96 2,501
2020-02-01 $297,830 (4.2%) $429,226 (6.3%) 0.97 2,448
2020-03-01 $299,675 (2.0%) $431,529 (3.7%) 0.94 2,404
2020-04-01 $296,963 (-0.5%) $413,561 (-2.0%) 0.93 2,642
2020-05-01 $300,000 (0.5%) $425,640 (0.8%) 0.91 2,336
2020-06-01 $321,950 (9.3%) $456,526 (10.4%) 0.95 1,772
2020-07-01 $325,000 (12.9%) $453,254 (11.5%) 0.94 1,549
2020-08-01 $323,270 (11.8%) $459,454 (11.4%) 0.93 1,521
2020-09-01 $316,332 (9.2%) $465,601 (11.6%) 0.91 1,532
2020-10-01 $310,000 (6.9%) $459,550 (9.6%) 0.89 1,641
2020-11-01 $313,439 (9.2%) $470,630 (13.2%) 0.92 1,553
2020-12-01 $315,000 (10.3%) $472,568 (14.2%) 0.94 1,367
2021-01-01 $320,000 (11.3%) $494,616 (19.2%) 0.96 1,169
2021-02-01 $325,000 (9.1%) $515,239 (20.0%) 0.95 939
2021-03-01 $335,000 (11.8%) $527,242 (22.2%) 0.95 878
2021-04-01 $342,000 (15.2%) $528,171 (27.7%) 0.93 893
2021-05-01 $344,000 (14.7%) $520,864 (22.4%) 0.91 933
2021-06-01 $350,000 (8.7%) $521,079 (14.1%) 0.92 992
2021-07-01 $350,000 (7.7%) $489,786 (8.1%) 0.92 1,180
2021-08-01 $359,950 (11.4%) $483,633 (5.3%) 0.96 1,327
2021-09-01 $359,950 (13.8%) $484,303 (4.0%) 0.96 1,496
2021-10-01 $359,000 (15.8%) $479,379 (4.3%) 0.96 1,696
2021-11-01 $359,950 (14.8%) $483,398 (2.7%) 0.96 1,673
2021-12-01 $361,950 (14.9%) $480,526 (1.7%) 0.98 1,520
2022-01-01 $364,995 (14.1%) $501,091 (1.3%) 0.99 1,361
2022-02-01 $375,505 (15.5%) $538,390 (4.5%) 0.98 1,082
2022-03-01 $388,494 (16.0%) $562,127 (6.6%) 0.97 997
2022-04-01 $399,500 (16.8%) $566,437 (7.2%) 0.95 1,028
2022-05-01 $407,000 (18.3%) $580,717 (11.5%) 0.93 1,202
2022-06-01 $409,950 (17.1%) $567,716 (9.0%) 0.91 1,511
2022-07-01 $399,990 (14.3%) $540,951 (10.5%) 0.90 1,944
2022-08-01 $391,199 (8.7%) $519,248 (7.4%) 0.90 2,162
2022-09-01 $384,123 (6.7%) $507,255 (4.7%) 0.90 2,362
2022-10-01 $379,000 (5.6%) $505,478 (5.4%) 0.89 2,637
2022-11-01 $375,000 (4.2%) $510,324 (5.6%) 0.90 2,782
2022-12-01 $375,000 (3.6%) $508,106 (5.7%) 0.93 2,596
2023-01-01 $377,000 (3.3%) $524,574 (4.7%) 0.93 2,370
2023-02-01 $389,000 (3.6%) $547,620 (1.7%) 0.94 2,121
2023-03-01 $399,950 (3.0%) $565,451 (0.6%) 0.94 1,953
2023-04-01 $403,675 (1.1%) $582,574 (2.9%) 0.94 1,692
2023-05-01 $414,350 (1.8%) $595,129 (2.5%) 0.94 1,608
2023-06-01 $414,997 (1.2%) $588,646 (3.7%) 0.93 1,609
2023-07-01 $410,000 (2.5%) $583,215 (7.8%) 0.93 1,622
2023-08-01 $406,025 (3.8%) $575,012 (10.7%) 0.93 1,630
2023-09-01 $399,900 (4.1%) $570,632 (12.5%) 0.93 1,757
2023-10-01 $399,000 (5.3%) $552,351 (9.3%) 0.94 2,083
2023-11-01 $399,900 (6.6%) $555,334 (8.8%) 0.95 2,309
2023-12-01 $398,900 (6.4%) $548,714 (8.0%) 0.97 2,347
2024-01-01 $399,000 (5.8%) $556,034 (6.0%) 0.97 2,375
2024-02-01 $400,000 (2.8%) $570,948 (4.3%) 0.96 2,399
2024-03-01 $402,700 (0.7%) $568,129 (0.5%) 0.95 2,420
2024-04-01 $409,299 (1.4%) $572,034 (-1.8%) 0.95 2,491
2024-05-01 $402,423 (-2.9%) $573,274 (-3.7%) 0.92 2,632
2024-06-01 $399,000 (-3.9%) $553,625 (-6.0%) 0.91 2,666
2024-07-01 $395,000 (-3.7%) $534,184 (-8.4%) 0.90 2,751
2024-08-01 $390,000 (-4.0%) $526,621 (-8.4%) 0.91 2,776
2024-09-01 $390,000 (-2.5%) $533,285 (-6.5%) 0.92 3,070
2024-10-01 $395,000 (-1.0%) $536,185 (-2.9%) 0.93 3,274
2024-11-01 $390,000 (-2.5%) $538,364 (-3.1%) 0.94 3,526
2024-12-01 $387,825 (-2.8%) $536,660 (-2.2%) 0.96 3,354
2025-01-01 $391,255 (-1.9%) $543,906 (-2.2%) 0.98 3,445
2025-02-01 $396,200 (-1.0%) $544,388 (-4.7%) 0.96 3,536
2025-03-01 $399,000 (-0.9%) $546,330 (-3.8%) 0.00 3,649
Tucson's median listing price for 2025-03-01 was $399,000, a difference of $-3,700 (-0.9%) versus the prior year and $2,800 versus the prior month.

Tucson's median listing price comes in at 0% of the national average.

Tucson's average listing price for 2025-03-01 was $546,330, a difference of $-21,799 (-3.8%) versus the prior year and $1,942 versus the prior month.

For the 2025-03-01 period, Tucson had 3,649 MLS listings, a difference of 113 listings (3%) versus the prior month and 1,229 listings (51%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Tucson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 64 days 2,003 sqft
2018-02-01 51 days 2,030 sqft
2018-03-01 50 days 2,036 sqft
2018-04-01 50 days 2,051 sqft
2018-05-01 48 days 2,058 sqft
2018-06-01 50 days 2,013 sqft
2018-07-01 53 days 2,027 sqft
2018-08-01 54 days 2,019 sqft
2018-09-01 52 days 2,020 sqft
2018-10-01 50 days 1,988 sqft
2018-11-01 51 days 1,987 sqft
2018-12-01 58 days 1,964 sqft
2019-01-01 63 days 1,994 sqft
2019-02-01 48 days 2,031 sqft
2019-03-01 48 days 2,058 sqft
2019-04-01 51 days 2,063 sqft
2019-05-01 51 days 2,048 sqft
2019-06-01 51 days 2,050 sqft
2019-07-01 50 days 2,020 sqft
2019-08-01 50 days 2,027 sqft
2019-09-01 49 days 2,026 sqft
2019-10-01 49 days 2,024 sqft
2019-11-01 52 days 1,976 sqft
2019-12-01 60 days 1,960 sqft
2020-01-01 59 days 1,981 sqft
2020-02-01 44 days 1,996 sqft
2020-03-01 43 days 1,997 sqft
2020-04-01 44 days 1,958 sqft
2020-05-01 55 days 1,980 sqft
2020-06-01 57 days 2,010 sqft
2020-07-01 53 days 2,008 sqft
2020-08-01 51 days 1,987 sqft
2020-09-01 47 days 1,938 sqft
2020-10-01 48 days 1,905 sqft
2020-11-01 50 days 1,911 sqft
2020-12-01 55 days 1,905 sqft
2021-01-01 52 days 1,912 sqft
2021-02-01 40 days 1,908 sqft
2021-03-01 38 days 1,922 sqft
2021-04-01 35 days 1,872 sqft
2021-05-01 32 days 1,870 sqft
2021-06-01 32 days 1,879 sqft
2021-07-01 30 days 1,844 sqft
2021-08-01 30 days 1,854 sqft
2021-09-01 32 days 1,851 sqft
2021-10-01 33 days 1,844 sqft
2021-11-01 37 days 1,867 sqft
2021-12-01 44 days 1,862 sqft
2022-01-01 44 days 1,861 sqft
2022-02-01 37 days 1,867 sqft
2022-03-01 35 days 1,878 sqft
2022-04-01 32 days 1,883 sqft
2022-05-01 30 days 1,920 sqft
2022-06-01 30 days 1,914 sqft
2022-07-01 32 days 1,873 sqft
2022-08-01 37 days 1,838 sqft
2022-09-01 41 days 1,816 sqft
2022-10-01 44 days 1,812 sqft
2022-11-01 50 days 1,813 sqft
2022-12-01 60 days 1,812 sqft
2023-01-01 61 days 1,822 sqft
2023-02-01 52 days 1,836 sqft
2023-03-01 47 days 1,860 sqft
2023-04-01 47 days 1,904 sqft
2023-05-01 43 days 1,924 sqft
2023-06-01 43 days 1,959 sqft
2023-07-01 43 days 1,944 sqft
2023-08-01 41 days 1,918 sqft
2023-09-01 41 days 1,904 sqft
2023-10-01 39 days 1,868 sqft
2023-11-01 43 days 1,862 sqft
2023-12-01 51 days 1,852 sqft
2024-01-01 54 days 1,847 sqft
2024-02-01 44 days 1,852 sqft
2024-03-01 44 days 1,849 sqft
2024-04-01 45 days 1,852 sqft
2024-05-01 42 days 1,847 sqft
2024-06-01 45 days 1,839 sqft
2024-07-01 49 days 1,816 sqft
2024-08-01 51 days 1,812 sqft
2024-09-01 52 days 1,812 sqft
2024-10-01 51 days 1,812 sqft
2024-11-01 56 days 1,804 sqft
2024-12-01 63 days 1,781 sqft
2025-01-01 64 days 1,778 sqft
2025-02-01 52 days 1,802 sqft
2025-03-01 0 days 1,817 sqft
Tucson's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

Tucson's median square footage for active listings during the 2025-03-01 period was 1,817 sqft. One year prior, the average listing was 1,849 sqft.

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.