Visalia VA Loan Rates, Closing Costs & Stats

VISALIA, 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.

    Visalia's 64 lenders originated 357 VA loans during 2024. The total origination value was $139,315,000, with an average VA loan value of $390,238.

    Visalia VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Visalia averaged 0.41% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Visalia's average VA mortgage closing costs are $6,332.

    The average rate for the prior week (2025-06-13) was 6.76% and one month ago for the week of 2025-05-16, the average rate was 6.62%.

    The average rate one year ago was 6.62%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.16%.

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

    Visalia 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 Visalia level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 56 5.82% $7,909
    Mortgage Research Center, LLC 42 6.42% $7,178
    FREEDOM MORTGAGE CORPORATION 27 6.03% $6,807
    Golden Empire Mortgage, Inc. 22 6.47% $8,024
    DHI MORTGAGE COMPANY, LTD. 21 5.29% $6,437
    QUICKEN LOANS, LLC 20 5.96% $7,924
    Commerce Home Mortgage, Inc. 11 6.19% $12,562
    ALAMEDA MORTGAGE CORPORATION 9 6.05% $11,229
    AMERICAN PACIFIC MORTGAGE CORPORATION 9 6.72% $12,340
    NAVY FEDERAL CREDIT UNION 8 5.80% $6,605
    NEWREZ LLC 7 6.11% $14,163
    VILLAGE CAPITAL MORTGAGE 6 5.60% $5,941
    CROSSCOUNTRY MORTGAGE, LLC 6 6.33% $6,158
    MLD MORTGAGE INC. 4 5.84% $8,299
    The Federal Savings Bank 4 6.63% $19,613
    PLANET HOME LENDING, LLC 4 6.65% $11,946
    PENNYMAC LOAN SERVICES, LLC 4 5.97% $8,137
    NEW DAY FINANCIAL, LLC 4 7.31% $10,893
    EAGLE HOME MORTGAGE, LLC 4 5.47% $7,723
    Mr. Cooper ( Nationstar Mortgage ) 4 5.22% $10,432
    LOANDEPOT.COM, LLC 3 5.33% $9,461
    Barrington Bank & Trust Company, N.A. 3 6.75% $7,573
    Equity Prime Mortgage LLC 3 6.63% $12,637
    INSPIRE HOME LOANS INC. 3 5.29% $7,052
    The Loan Store, Inc. 3 6.17% $5,303
    USAA Federal Savings Bank 3 6.04% $9,700
    PLAZA HOME MORTGAGE, INC. 2 5.94% $12,067
    LOANPAL, LLC 2 5.99% $13,638
    COASTAL FUNDING SLC, INC. 2 6.69% $3,958
    SUN WEST MORTGAGE COMPANY, INC. 2 4.88% $10,077
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 5.69% $9,407
    VERITAS FUNDING, LLC 2 6.44% $21,743
    FBC MORTGAGE, LLC 2 5.99% $9,066
    AMERICAN FINANCIAL NETWORK, INC. 2 6.69% $10,744
    ALTITUDE FINANCIAL CORPORATION 2 6.56% $8,475
    Pacific Lending LLC 2 6.50% $7,483
    GUILD MORTGAGE COMPANY 2 6.31% $9,976
    LAKEVIEW LOAN SERVICING, LLC 2 6.37% $9,847
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $14,622
    Cornerstone First Mortgage, Inc 1 6.25% $18,192
    CLM MORTGAGE, INC 1 5.75% $9,226
    Paramount Residential Mortgage Group, Inc. 1 6.50% $24,314
    Century Mortgage Company DBA Century Lending Company 1 6.25% $14,103
    PENTAGON FEDERAL CREDIT UNION 1 6.00% $5,353
    Performance Financial, Inc. 1 5.75% $11,100
    PHH Mortgage Corporation 1 4.99% $3,838
    Carrington Mortgage Services, LLC 1 6.13% $12,447
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.50% $0
    BROKER SOLUTIONS, INC. 1 6.25% $13,091
    UNION HOME MORTGAGE CORP. 1 7.25% $13,295
    GUARANTEED RATE, INC. 1 7.25% $6,760
    INTELLILOAN, INC. 1 5.75% $2,225
    U.S. Bank 1 6.13% $16,086
    JMAC LENDING, INC. 1 6.75% $10,890
    JPMorgan Chase Bank 1 4.99% $25,598
    LADERA LENDING, INC. 1 6.13% $13,204
    Lakeview Community Capital, LLC 1 6.25% $3,676
    GUARANTEED RATE AFFINITY, LLC 1 5.75% $700
    MASON MCDUFFIE MORTGAGE CORPORATION 1 7.13% $7,439
    First Federal Bank 1 5.75% $7,252
    MORIA DEVELOPMENT, INC. 1 6.25% $9,884
    MORTGAGEONE, INC. 1 6.75% $5,164
    FIRST COLONY MORTGAGE CORPORATION 1 5.75% $2,278
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.25% $5,904

    The top Visalia VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 56 VA loans originated. Their average total fees are $7,909, which is $731 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Visalia VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($6,437), FREEDOM MORTGAGE CORPORATION ($6,807), Mortgage Research Center, LLC ($7,178), UNITED WHOLESALE MORTGAGE, LLC ($7,909) and QUICKEN LOANS, LLC ($7,924).

    The lowest rate Visalia VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.29%), UNITED WHOLESALE MORTGAGE, LLC (5.82%), QUICKEN LOANS, LLC (5.96%), FREEDOM MORTGAGE CORPORATION (6.03%) and Commerce Home Mortgage, Inc. (6.19%).

    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.