Arizona VA Loan Rates, Closing Costs & Stats

Arizona

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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.

    Arizona VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Arizona averaged 0.19% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    Arizona's average VA mortgage closing costs are $6,697.

    The average rate for the prior week (2024-11-08) was 6.4% and one month ago for the week of 2024-10-11, the average rate was 5.97%.

    The average rate one year ago was 7.06%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0.21%.

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

    Arizona 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 Arizona level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 1,244 6.16% $10,036
    Mortgage Research Center, LLC 992 6.61% $7,736
    QUICKEN LOANS, LLC 636 6.03% $13,101
    LOANDEPOT.COM, LLC 496 5.77% $15,575
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 461 6.31% $9,681
    CROSSCOUNTRY MORTGAGE, LLC 411 6.45% $9,456
    NOVA FINANCIAL & INVESTMENT CORPORATION 406 6.29% $7,941
    NAVY FEDERAL CREDIT UNION 379 5.72% $7,615
    DHI MORTGAGE COMPANY, LTD. 337 5.35% $10,184
    EAGLE HOME MORTGAGE, LLC 282 5.10% $6,960
    GUILD MORTGAGE COMPANY 235 6.30% $12,656
    PENNYMAC LOAN SERVICES, LLC 218 5.54% $11,019
    FREEDOM MORTGAGE CORPORATION 214 6.40% $18,696
    HOMEAMERICAN MORTGAGE CORPORATION 211 5.32% $6,325
    V.I.P. MORTGAGE, INC. 202 6.48% $10,503
    AMERICAN PACIFIC MORTGAGE CORPORATION 199 6.50% $13,154
    USAA Federal Savings Bank 151 6.26% $11,446
    NFM, INC. 146 5.69% $11,993
    NEW DAY FINANCIAL, LLC 146 7.41% $14,757
    The Federal Savings Bank 145 6.15% $20,469
    PULTE MORTGAGE LLC 144 5.38% $6,082
    ACADEMY MORTGAGE CORPORATION 129 6.44% $10,341
    Prosperity Home Mortgage, LLC 120 6.01% $10,684
    KBHS HOME LOANS, LLC 115 5.43% $12,485
    South Pacific Financial Corporation 113 5.62% $10,687
    ALTITUDE FINANCIAL CORPORATION 100 6.38% $7,847
    VELOCIO MORTGAGE L.L.C. 97 5.50% $9,901
    INSPIRE HOME LOANS INC. 97 5.61% $8,861
    GUARANTEED RATE, INC. 94 6.18% $8,575
    Paramount Residential Mortgage Group, Inc. 93 6.37% $12,117
    CMG MORTGAGE, INC. 89 6.27% $14,115
    Mr. Cooper ( Nationstar Mortgage ) 82 6.00% $15,702
    MATTAMY HOME FUNDING, LLC 81 5.47% $12,882
    MOVEMENT MORTGAGE, LLC 79 6.37% $12,167
    Flagstar Bank, FSB 76 6.40% $9,060
    GUARANTEED RATE AFFINITY, LLC 75 6.32% $8,151
    Plains Commerce Bank 74 5.96% $12,486
    BROKER SOLUTIONS, INC. 73 6.39% $13,550
    PRIMELENDING, A PLAINSCAPITAL COMPANY 71 6.44% $8,762
    NEWREZ LLC 64 6.33% $12,750
    VILLAGE CAPITAL MORTGAGE 61 6.05% $11,148
    Nations Lending Corporation 57 6.31% $11,868
    GENEVA FINANCIAL, LLC 56 6.70% $11,002
    HOMEOWNERS FINANCIAL GROUP USA, LLC 56 6.23% $9,298
    CARDINAL FINANCIAL 54 6.32% $14,285
    Equity Prime Mortgage LLC 53 6.79% $11,576
    AMERISAVE MORTGAGE CORPORATION 52 5.80% $18,285
    MORIA DEVELOPMENT, INC. 52 6.50% $12,459
    Wells Fargo Bank 49 5.73% $6,460
    ON Q FINANCIAL, INC. 44 6.48% $10,196
    PENTAGON FEDERAL CREDIT UNION 43 5.34% $10,442
    MORTGAGE SOLUTIONS OF COLORADO, LLC 42 7.44% $5,733
    Waterstone Mortgage Corporation 41 5.92% $17,343
    Barrington Bank & Trust Company, N.A. 39 6.21% $10,943
    AMERICAN FINANCIAL NETWORK, INC. 38 6.44% $7,479
    SUN WEST MORTGAGE COMPANY, INC. 37 6.68% $11,546
    ZILLOW HOME LOANS, LLC 37 6.17% $11,168
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 36 6.24% $11,972
    Gateway First Bank 35 6.41% $8,777
    LOANPAL, LLC 33 5.97% $13,344
    Bell Bank 32 6.41% $8,313
    Magnolia Bank 32 5.99% $19,326
    BAY EQUITY LLC 31 6.45% $9,815
    Neighborhood Loans, Inc. 30 6.53% $13,953
    BROOKHOLLOW MORTGAGE SERVICES, LTD 27 5.45% $10,909
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 27 6.01% $7,449
    First Western Trust Bank 26 6.18% $11,882
    JPMorgan Chase Bank 25 5.98% $7,438
    MUTUAL OF OMAHA MORTGAGE, INC. 25 6.15% $13,534
    PACIFIC RESIDENTIAL MORTGAGE, LLC 24 6.30% $13,002
    NBKC BANK 23 5.78% $8,234
    SUMMIT FUNDING, INC. 22 6.57% $8,339
    Wallick & Volk, Inc. 22 6.57% $9,539
    PLANET HOME LENDING, LLC 22 5.78% $10,236
    PLAZA HOME MORTGAGE, INC. 21 6.07% $16,483
    VERITAS FUNDING, LLC 21 6.27% $22,388
    American Mortgage & Equity Consultants, Inc. 20 6.10% $12,231
    The Loan Store, Inc. 19 6.34% $9,907
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 19 6.03% $13,681
    SUN AMERICAN MORTGAGE COMPANY 19 6.53% $11,912
    LAKEVIEW LOAN SERVICING, LLC 19 6.06% $16,031
    Sunflower Bank 18 6.07% $14,842
    U.S. Bank 18 5.94% $14,226
    STARBOARD FINANCIAL MANAGEMENT, LLC 17 6.39% $15,053
    Century Mortgage Company DBA Century Lending Company 16 6.35% $8,933
    Armed Forces Bank 16 5.83% $10,778
    SECURITYNATIONAL MORTGAGE COMPANY 16 6.39% $14,360
    Shea Mortgage Inc. 15 5.27% $3,585
    LEADERONE FINANCIAL CORPORATION 15 6.66% $12,080
    MANN FINANCIAL INC. 14 6.74% $9,614
    AMERICAN FINANCIAL RESOURCES, INC. 14 6.76% $5,775
    AXIA FINANCIAL, LLC 14 6.18% $8,087
    LADERA LENDING, INC. 14 6.27% $16,199
    TruHome Solutions, LLC 14 5.90% $7,360
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 13 6.00% $14,065
    CITYWIDE HOME LOANS, LLC 13 6.14% $14,347
    NATIONS DIRECT MORTGAGE, LLC 13 6.65% $15,249
    FBC MORTGAGE, LLC 13 6.06% $9,029
    HOMEBRIDGE FINANCIAL SERVICES, INC. 13 6.28% $9,692
    Mid-Continent Funding, Inc. 12 5.97% $11,693
    TOWNE MORTGAGE COMPANY 12 6.22% $12,756
    SOVEREIGN LENDING GROUP INCORPORATED 12 5.60% $16,713
    MORTGAGEONE, INC. 12 6.92% $9,205
    PRIMARY RESIDENTIAL MORTGAGE, INC. 11 6.35% $10,729
    Strong Home Mortgage, LLC 11 5.48% $13,147
    Sierra Pacific Mortgage Company, Inc. 11 6.06% $9,022
    CASTLE & COOKE MORTGAGE, LLC 11 6.28% $11,954
    UNION HOME MORTGAGE CORP. 11 6.56% $9,919
    SWBC MORTGAGE CORPORATION 10 6.20% $9,897
    NETWORK CAPITAL FUNDING CORPORATION 10 6.15% $9,730
    Franklin Loan Corporation 9 6.21% $19,802
    MASON MCDUFFIE MORTGAGE CORPORATION 9 6.71% $14,741
    TBI MORTGAGE COMPANY 9 6.68% $11,474
    ALAMEDA MORTGAGE CORPORATION 9 6.46% $10,022
    NexBank 9 5.92% $10,777
    INTERLINC MORTGAGE SERVICES, LLC 9 6.60% $19,869
    NEW WEST LENDING, INC. 9 6.57% $9,717
    RESIDENTIAL BANCORP 8 6.00% $17,242
    AMCAP MORTGAGE, LTD. 8 6.36% $14,905
    THE MORTGAGE LINK, INC. 8 6.98% $20,297
    First National Bank Texas 7 6.36% $10,008
    CALCON MUTUAL MORTGAGE LLC 7 6.48% $17,727
    BNC National Bank 7 5.46% $12,871
    CALIBER HOME LOANS, INC. 7 5.57% $18,354
    First Savings Bank 7 6.14% $18,380
    OCMBC, INC. 7 6.21% $4,586
    ENVOY MORTGAGE, LTD 7 6.32% $14,258
    S1L, Inc. 7 6.70% $16,093
    INTERCAP LENDING INC. 7 6.36% $14,539
    PREMIER LENDING, INC. 6 6.17% $15,432
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 6 6.06% $20,986
    SFMC, LP 6 6.58% $13,325
    First Federal Bank 6 6.35% $5,686
    MOUNTAIN WEST FINANCIAL, INC. 6 6.46% $13,407
    CHURCHILL MORTGAGE CORPORATION 5 7.03% $11,006
    ARIZONA 5 6.13% $12,669
    CANOPY MORTGAGE, LLC 5 6.25% $11,565
    The Central Trust Bank 5 6.40% $4,448
    GARDNER FINANCIAL SERVICES, LTD. 5 6.80% $13,576
    HOMESIDE FINANCIAL, LLC 5 6.82% $9,944
    PREMIA MORTGAGE, LLC 5 5.98% $16,872
    MICHIGAN MUTUAL, INC. 5 6.48% $10,284
    MID AMERICA MORTGAGE, INC. 4 6.44% $14,051
    DIRECTORS MORTGAGE, INC. 4 6.00% $14,657
    NEST HOME LENDING, LLC 4 5.96% $1,179
    DIRECT MORTGAGE, CORP. 4 6.47% $13,809
    DAS Acquisition Company, LLC 4 7.19% $12,617
    CORNERSTONE HOME LENDING, INC. 4 6.72% $7,092
    North American Savings Bank, F.S.B. 4 6.31% $10,532
    Northpointe Bank 4 6.50% $8,409
    CHERRY CREEK MORTGAGE, LLC 4 6.44% $6,459
    Alaska USA Federal Credit Union 4 6.56% $5,423
    CITY FIRST MORTGAGE SERVICES, L.L.C. 4 6.59% $9,399
    PNC Bank 4 6.34% $8,950
    Performance Financial, Inc. 4 6.41% $4,080
    Lakeview Community Capital, LLC 4 5.88% $10,318
    AHL FUNDING 4 6.84% $9,957
    First State Bank of St. Charles, Missouri 4 6.63% $9,615
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 4 6.22% $11,246
    SOUTHWEST STAGE FUNDING, LLC 3 6.75% $310
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 3 6.12% $19,418
    Zions Bank 3 6.25% $12,772
    PHH Mortgage Corporation 3 6.67% $8,631
    CONTOUR MORTGAGE CORPORATION 3 5.96% $20,966
    EVERETT FINANCIAL, INC. 3 6.46% $19,977
    AMERICAN FINANCING CORPORATION 3 6.46% $14,596
    HUNT MORTGAGE CORPORATION 3 6.58% $10,969
    Carrington Mortgage Services, LLC 3 5.13% $4,815
    Cornerstone First Mortgage, Inc 3 6.41% $17,139
    LEGEND LENDING CORPORATION 2 6.19% $23,832
    Ameris Bank 2 6.13% $13,172
    Bank of England 2 5.75% $11,006
    BELEM SERVICING LLC 2 5.06% $10,149
    Citizens Bank 2 6.44% $13,858
    CLIFFCO, INC. 2 7.06% $16,781
    EMBRACE HOME LOANS, INC. 2 6.00% $12,930
    First International Bank & Trust 2 6.13% $4,818
    Glacier Bank 2 6.63% $5,834
    Golden Empire Mortgage, Inc. 2 6.50% $9,674
    GSF Mortgage Corporation 2 6.75% $4,895
    INFINITY EQUITY GROUP, INC. 2 5.75% $7,251
    INTELLILOAN, INC. 2 6.81% $2,816
    INTERNATIONAL CITY MORTGAGE, INC. 2 5.13% $7,452
    ISERVE RESIDENTIAL LENDING, LLC 2 5.75% $17,485
    JMJ FINANCIAL GROUP 2 6.69% $17,846
    LHM FINANCIAL CORPORATION 2 5.50% $15,425
    Loan Simple, Inc. 2 6.50% $12,159
    Old National Bank 2 5.44% $6,166
    ONY GLO, INC. 2 6.00% $12,129
    PANORAMA MORTGAGE GROUP, LLC 2 5.75% $30,601
    POINT Mortgage 2 6.75% $6,596
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 7.00% $24,323
    RESIDENTIAL MORTGAGE, LLC 2 6.69% $18,147
    SUCCESS MORTGAGE PARTNERS, INC. 2 6.31% $14,477
    THRIVE MORTGAGE, LLC 2 6.63% $8,611
    TOP FLITE FINANCIAL, INC. 2 6.50% $17,155
    VAN DYK MORTGAGE CORPORATION 2 7.38% $5,363
    NBH Bank 1 6.75% $4,730
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.75% $21,507
    SeaTrust Mortgage Company 1 6.49% $7,282
    NATIONS RELIABLE LENDING, LLC 1 7.13% $24,853
    MOUNTAIN AMERICA 1 5.50% $4,779
    MORTGAGE EXPRESS, LLC 1 5.25% $7,679
    ML Mortgage Corp. 1 7.75% $15,459
    SIRVA MORTGAGE, INC. 1 7.13% $8,910
    MidFirst Bank 1 6.25% $10,535
    Merchants Bank 1 6.00% $5,686
    1st Security Bank of Washington 1 6.13% $4,524
    Keystone Funding, Inc. 1 6.13% $7,196
    Independent Bank 1 6.50% $1,137
    Willamette Valley Bank 1 6.25% $28,937
    iCore Lending, Inc. 1 5.88% $8,455
    Summit Mortgage Corporation 1 6.13% $9,752
    HOMEXPRESS MORTGAGE CORP. 1 7.00% $5,976
    HOMESTEAD FUNDING CORP. 1 6.00% $8,545
    GoPrime Mortgage, Inc. 1 7.38% $16,238
    FLAT BRANCH MORTGAGE, INC. 1 7.63% $14,752
    T2 FINANCIAL LLC 1 6.38% $7,869
    FISHER FINANCIAL GROUP, INCORPORATED 1 5.50% $12,747
    First Option Mortgage, LLC 1 6.75% $35,421
    First Credit Union 1 6.75% $8,327
    The Huntington National Bank 1 6.00% $25,959
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 6.00% $2,106
    FINANCE OF AMERICA MORTGAGE LLC 1 5.25% $12,134
    Wyndham Capital Mortgage, Inc. 1 5.63% $18,739
    TJC Mortgage, Inc. 1 7.63% $11,191
    Allied First Bank,sb 1 5.50% $10,603
    Fifth Third Bank 1 5.88% $8,031
    Tradition Mortgage, LLC 1 6.75% $14,599
    Enterprise Bank & Trust 1 6.25% $10,080
    EMM LOANS LLC 1 6.50% $19,149
    EagleBank 1 5.50% $16,537
    DRAPER AND KRAMER MORTGAGE CORP. 1 6.63% $4,552
    CUSTOMER SERVICE MORTGAGE CORPORATION 1 6.13% $8,041
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.50% $0
    Academy Bank 1 6.50% $4,870
    CREDIT UNION WEST 1 7.13% $5,128
    Colonial Savings, F.A. 1 6.00% $4,911
    Citibank 1 5.75% $12,561
    BOKF 1 6.13% $5,955
    BAY-VALLEY MORTGAGE GROUP 1 6.13% $9,194
    Watermark Capital, Inc. 1 5.38% $15,526
    Bank of America 1 6.50% $18,381
    PINNACLE LENDING GROUP, INC. 1 5.75% $19,372
    Pacific Lending LLC 1 6.63% $12,947
    RELIANCE FIRST CAPITAL, LLC 1 5.50% $12,102
    OAKTREE FUNDING CORP. 1 5.13% $16,140
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.25% $4,401

    The top Arizona VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 1,244 VA loans originated. Their average total fees are $10,036, which is $2,300 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Arizona VA lenders (with over 10 loans originated) are Shea Mortgage Inc. ($3,585), MORTGAGE SOLUTIONS OF COLORADO, LLC ($5,733), AMERICAN FINANCIAL RESOURCES, INC. ($5,775), PULTE MORTGAGE LLC ($6,082) and HOMEAMERICAN MORTGAGE CORPORATION ($6,325).

    The lowest rate Arizona VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.10%), Shea Mortgage Inc. (5.27%), HOMEAMERICAN MORTGAGE CORPORATION (5.32%), PENTAGON FEDERAL CREDIT UNION (5.34%) and DHI MORTGAGE COMPANY, LTD. (5.35%).

    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.