Yuma VA Loan Rates, Closing Costs & Stats

YUMA, AZ

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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.

    Yuma's 75 lenders originated 842 VA loans during 2024. The total origination value was $279,060,000, with an average VA loan value of $331,425.

    Yuma VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Yuma averaged 0.23% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Yuma's average VA mortgage closing costs are $6,420.

    The average rate for the prior week (2025-06-13) was 6.68% and one month ago for the week of 2025-05-16, the average rate was 6.94%.

    The average rate one year ago was 6.54%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.15%.

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

    Yuma 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 Yuma level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 126 6.02% $7,441
    NOVA FINANCIAL & INVESTMENT CORPORATION 89 6.28% $6,174
    Mortgage Research Center, LLC 88 6.35% $7,096
    CROSSCOUNTRY MORTGAGE, LLC 75 6.30% $8,055
    NAVY FEDERAL CREDIT UNION 51 6.00% $7,486
    GUILD MORTGAGE COMPANY 46 6.36% $12,084
    QUICKEN LOANS, LLC 38 6.01% $11,236
    FREEDOM MORTGAGE CORPORATION 35 6.20% $8,735
    Gateway First Bank 32 6.52% $7,167
    PENNYMAC LOAN SERVICES, LLC 22 5.68% $6,378
    CMG MORTGAGE, INC. 18 6.29% $11,038
    GUARANTEED RATE, INC. 11 5.84% $10,837
    NEW DAY FINANCIAL, LLC 10 7.46% $11,808
    VILLAGE CAPITAL MORTGAGE 9 5.69% $5,047
    LOANDEPOT.COM, LLC 9 6.24% $8,431
    USAA Federal Savings Bank 9 5.94% $9,722
    NEWREZ LLC 7 5.75% $6,384
    PRIMELENDING, A PLAINSCAPITAL COMPANY 7 6.96% $6,120
    The Loan Store, Inc. 6 6.29% $16,235
    SUN WEST MORTGAGE COMPANY, INC. 6 5.92% $5,905
    AMERICAN FINANCIAL NETWORK, INC. 6 6.65% $4,528
    LAKEVIEW LOAN SERVICING, LLC 6 5.71% $7,337
    Lakeview Community Capital, LLC 6 5.88% $5,324
    SECURITYNATIONAL MORTGAGE COMPANY 4 6.59% $10,514
    PLANET HOME LENDING, LLC 4 5.75% $4,189
    Equity Prime Mortgage LLC 4 5.84% $10,321
    Mr. Cooper ( Nationstar Mortgage ) 4 6.38% $13,505
    Barrington Bank & Trust Company, N.A. 3 6.08% $3,281
    AMERISAVE MORTGAGE CORPORATION 3 5.67% $22,376
    GENEVA FINANCIAL, LLC 3 6.96% $5,894
    Magnolia Bank 3 5.25% $16,310
    MORTGAGEONE, INC. 3 6.04% $5,522
    OCMBC, INC. 3 6.21% $9,410
    The Federal Savings Bank 3 6.71% $10,954
    First Federal Bank 2 5.75% $9,847
    PLAZA HOME MORTGAGE, INC. 2 5.87% $8,990
    CLEARPATH LENDING 2 5.38% $12,074
    BETTER MORTGAGE CORPORATION 2 6.25% $10,203
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.50% $1,955
    American Mortgage & Equity Consultants, Inc. 2 6.25% $10,568
    ALLIED MORTGAGE GROUP, INC. 2 5.75% $5,954
    NBKC BANK 2 6.06% $15,204
    Flagstar Bank, FSB 2 6.88% $10,765
    First Western Trust Bank 2 6.44% $4,036
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.75% $7,808
    Credence Funding Corporation 1 5.50% $6,016
    NETWORK CAPITAL FUNDING CORPORATION 1 5.75% $19,170
    Carrington Mortgage Services, LLC 1 6.38% $6,986
    BROKER SOLUTIONS, INC. 1 6.63% $9,287
    Watermark Capital, Inc. 1 5.63% $15,498
    INFINITY EQUITY GROUP, INC. 1 6.75% $2,598
    PENTAGON FEDERAL CREDIT UNION 1 5.13% $8,995
    Plains Commerce Bank 1 5.63% $13,377
    BELEM SERVICING LLC 1 5.88% $3,777
    BAY-VALLEY MORTGAGE GROUP 1 5.75% $8,809
    Prosperity Home Mortgage, LLC 1 5.25% $5,988
    Alaska USA Federal Credit Union 1 6.00% $2,975
    Armed Forces Bank 1 5.75% $17,292
    Ameris Bank 1 6.25% $4,067
    T2 FINANCIAL LLC 1 6.63% $5,331
    Wells Fargo Bank 1 5.25% $4,975
    AmeriHome Mortgage Company, LLC 1 6.13% $3,180
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.49% $21,522
    Glacier Bank 1 6.38% $11,870
    Paramount Residential Mortgage Group, Inc. 1 6.13% $6,210
    JPMorgan Chase Bank 1 6.38% $10,084
    FIRST COLONY MORTGAGE CORPORATION 1 6.50% $4,471
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.75% $5,073
    LOANPAL, LLC 1 7.13% $17,478
    V.I.P. MORTGAGE, INC. 1 6.63% $4,894
    Wallick & Volk, Inc. 1 6.75% $2,254
    DIRECT MORTGAGE LOANS, LLC 1 7.00% $8,906
    DAS Acquisition Company, LLC 1 7.13% $5,614
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $6,393
    Nations Lending Corporation 1 6.25% $6,431

    The top Yuma VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 126 VA loans originated. Their average total fees are $7,441, which is $1,267 higher than the next largest lender, NOVA FINANCIAL & INVESTMENT CORPORATION.

    The lowest fee Yuma VA lenders (with over 10 loans originated) are NOVA FINANCIAL & INVESTMENT CORPORATION ($6,174), PENNYMAC LOAN SERVICES, LLC ($6,378), Mortgage Research Center, LLC ($7,096), Gateway First Bank ($7,167) and UNITED WHOLESALE MORTGAGE, LLC ($7,441).

    The lowest rate Yuma VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.68%), GUARANTEED RATE, INC. (5.84%), NAVY FEDERAL CREDIT UNION (6.00%), QUICKEN LOANS, LLC (6.01%) and UNITED WHOLESALE MORTGAGE, LLC (6.02%).

    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.