Vallejo VA Loan Rates, Closing Costs & Stats

VALLEJO, CA

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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.

    Vallejo's 83 lenders originated 748 VA loans during 2024. The total origination value was $448,930,000, with an average VA loan value of $600,174.

    Vallejo VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Vallejo averaged 0.16% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Vallejo's average VA mortgage closing costs are $8,392.

    The average rate for the prior week (2025-06-13) was 6.81% and one month ago for the week of 2025-05-16, the average rate was 6.87%.

    The average rate one year ago was 6.87%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.19%.

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

    Vallejo 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 Vallejo level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 140 5.92% $10,220
    Mortgage Research Center, LLC 66 6.16% $9,113
    QUICKEN LOANS, LLC 55 5.92% $11,642
    LOANDEPOT.COM, LLC 51 5.71% $17,348
    FREEDOM MORTGAGE CORPORATION 30 5.94% $14,792
    PENNYMAC LOAN SERVICES, LLC 28 5.74% $12,021
    CROSSCOUNTRY MORTGAGE, LLC 28 6.20% $9,518
    NEWREZ LLC 21 6.14% $11,943
    KBHS HOME LOANS, LLC 19 5.67% $11,494
    NAVY FEDERAL CREDIT UNION 18 5.86% $8,874
    HOMEAMERICAN MORTGAGE CORPORATION 15 5.10% $9,587
    DHI MORTGAGE COMPANY, LTD. 13 5.32% $13,058
    MOVEMENT MORTGAGE, LLC 11 6.42% $14,038
    NFM, INC. 11 6.20% $20,247
    BROKER SOLUTIONS, INC. 10 6.32% $15,629
    AMERICAN PACIFIC MORTGAGE CORPORATION 10 6.11% $15,541
    CMG MORTGAGE, INC. 9 6.10% $14,032
    GUILD MORTGAGE COMPANY 9 6.06% $12,671
    USAA Federal Savings Bank 8 5.94% $18,457
    VILLAGE CAPITAL MORTGAGE 7 5.43% $9,386
    U.S. Bank 7 5.66% $17,681
    The Federal Savings Bank 7 6.09% $24,519
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 7 5.18% $3,394
    INSPIRE HOME LOANS INC. 6 5.71% $13,976
    GUARANTEED RATE, INC. 5 5.80% $8,631
    SUN WEST MORTGAGE COMPANY, INC. 5 6.00% $17,123
    PLANET HOME LENDING, LLC 5 5.02% $8,206
    EVERETT FINANCIAL, INC. 5 6.40% $8,587
    NBKC BANK 4 6.09% $6,284
    Paramount Residential Mortgage Group, Inc. 4 6.28% $12,712
    Century Mortgage Company DBA Century Lending Company 4 5.56% $10,369
    Magnolia Bank 3 6.21% $23,062
    Barrington Bank & Trust Company, N.A. 3 6.25% $11,866
    GUARANTEED RATE AFFINITY, LLC 3 5.99% $7,285
    HOMEOWNERS FINANCIAL GROUP USA, LLC 3 6.50% $20,201
    NEW DAY FINANCIAL, LLC 3 7.16% $27,301
    PLAZA HOME MORTGAGE, INC. 3 6.21% $17,052
    The Loan Store, Inc. 3 6.12% $11,621
    TRAVIS CREDIT UNION 3 6.89% $8,719
    SUCCESS MORTGAGE PARTNERS, INC. 2 5.88% $20,537
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.37% $9,071
    Carrington Mortgage Services, LLC 2 5.44% $10,972
    ALAMEDA MORTGAGE CORPORATION 2 6.19% $10,799
    First Bank 2 5.94% $14,785
    NATIONS DIRECT MORTGAGE, LLC 2 6.19% $17,372
    Equity Prime Mortgage LLC 2 6.56% $16,835
    DIRECTORS MORTGAGE, INC. 2 6.75% $30,668
    FIRST COLONY MORTGAGE CORPORATION 2 5.94% $11,870
    Flagstar Bank, FSB 2 5.81% $7,534
    South Pacific Financial Corporation 2 5.94% $14,169
    Lakeview Community Capital, LLC 2 5.44% $10,042
    North American Savings Bank, F.S.B. 1 5.13% $4,574
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.25% $16,277
    Paramount Bank 1 5.75% $13,965
    Commerce Home Mortgage, Inc. 1 6.63% $6,825
    CLEARPATH LENDING 1 5.13% $7,553
    American Mortgage & Equity Consultants, Inc. 1 7.25% $9,260
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.63% $9,584
    PULTE MORTGAGE LLC 1 4.25% $9,253
    BAY EQUITY LLC 1 6.75% $6,492
    SCENIC OAKS FUNDING, INC. 1 5.99% $25,476
    Sierra Pacific Mortgage Company, Inc. 1 6.50% $19,873
    SUMMIT FUNDING, INC. 1 6.63% $21,549
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.12% $5,545
    AMERITRUST MORTGAGE CORPORATION 1 6.63% $10,189
    AMERICAN FINANCIAL NETWORK, INC. 1 7.13% $3,031
    TOWNE MORTGAGE COMPANY 1 6.50% $4,850
    LAKEVIEW LOAN SERVICING, LLC 1 5.75% $1,211
    Truist 1 6.25% $25,518
    GoPrime Mortgage, Inc. 1 5.88% $3,605
    First Federal Bank 1 6.13% $20,789
    ALLIANT CREDIT UNION 1 5.75% $20,593
    Meridian Bank Corporation 1 5.63% $5,342
    MLD MORTGAGE INC. 1 5.50% $19,154
    MORIA DEVELOPMENT, INC. 1 6.25% $16,968
    MORTGAGEONE, INC. 1 6.75% $3,887
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.75% $12,118
    Mr. Cooper ( Nationstar Mortgage ) 1 5.63% $16,992
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.63% $27,488
    NETWORK CAPITAL FUNDING CORPORATION 1 5.75% $26,845
    AmeriHome Mortgage Company, LLC 1 6.63% $18,279
    DIGNIFIED HOME LOANS, LLC 1 5.63% $7,810
    Cornerstone First Mortgage, Inc 1 6.25% $4,747

    The top Vallejo VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 140 VA loans originated. Their average total fees are $10,220, which is $1,107 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Vallejo VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($8,874), Mortgage Research Center, LLC ($9,113), CROSSCOUNTRY MORTGAGE, LLC ($9,518), HOMEAMERICAN MORTGAGE CORPORATION ($9,587) and UNITED WHOLESALE MORTGAGE, LLC ($10,220).

    The lowest rate Vallejo VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (5.10%), DHI MORTGAGE COMPANY, LTD. (5.32%), KBHS HOME LOANS, LLC (5.67%), LOANDEPOT.COM, LLC (5.71%) and PENNYMAC LOAN SERVICES, LLC (5.74%).

    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.