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 0.08% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Arizona's average VA mortgage closing costs are $6,895.

    The average rate for the prior week (2025-06-13) was 6.43% and one month ago for the week of 2025-05-16, the average rate was 6.49%.

    The average rate one year ago was 6.68%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.1%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 2,492 5.88% $8,034
    Mortgage Research Center, LLC 1,201 6.30% $7,119
    QUICKEN LOANS, LLC 940 5.95% $12,000
    FREEDOM MORTGAGE CORPORATION 707 6.04% $10,439
    CROSSCOUNTRY MORTGAGE, LLC 591 6.24% $7,360
    LOANDEPOT.COM, LLC 513 5.54% $12,926
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 376 6.32% $9,522
    NAVY FEDERAL CREDIT UNION 362 5.88% $6,306
    NOVA FINANCIAL & INVESTMENT CORPORATION 342 6.32% $7,053
    GUILD MORTGAGE COMPANY 340 6.23% $11,180
    DHI MORTGAGE COMPANY, LTD. 340 5.14% $8,298
    PENNYMAC LOAN SERVICES, LLC 329 5.65% $9,294
    EAGLE HOME MORTGAGE, LLC 327 4.74% $5,835
    VILLAGE CAPITAL MORTGAGE 222 5.68% $8,617
    V.I.P. MORTGAGE, INC. 209 6.36% $12,288
    PULTE MORTGAGE LLC 204 5.09% $5,984
    NEWREZ LLC 190 5.95% $8,565
    HOMEAMERICAN MORTGAGE CORPORATION 187 5.04% $5,769
    USAA Federal Savings Bank 178 6.26% $10,365
    NEW DAY FINANCIAL, LLC 154 7.48% $15,289
    KBHS HOME LOANS, LLC 141 5.39% $7,411
    South Pacific Financial Corporation 138 5.75% $10,684
    VELOCIO MORTGAGE L.L.C. 134 4.89% $7,124
    INSPIRE HOME LOANS INC. 129 5.40% $8,090
    NFM, INC. 127 5.11% $13,694
    GUARANTEED RATE, INC. 121 6.05% $8,781
    CMG MORTGAGE, INC. 115 6.08% $11,561
    SUN WEST MORTGAGE COMPANY, INC. 113 5.91% $9,736
    Prosperity Home Mortgage, LLC 112 6.04% $11,589
    BROKER SOLUTIONS, INC. 107 6.42% $13,018
    AMERICAN PACIFIC MORTGAGE CORPORATION 103 6.56% $10,881
    The Loan Store, Inc. 103 6.05% $10,480
    LAKEVIEW LOAN SERVICING, LLC 102 5.81% $6,573
    MATTAMY HOME FUNDING, LLC 98 5.49% $11,083
    The Federal Savings Bank 93 6.33% $19,689
    ALTITUDE FINANCIAL CORPORATION 89 6.23% $6,715
    MOVEMENT MORTGAGE, LLC 89 6.29% $11,057
    PRIMELENDING, A PLAINSCAPITAL COMPANY 83 6.51% $7,141
    Paramount Residential Mortgage Group, Inc. 82 6.38% $13,468
    Mr. Cooper ( Nationstar Mortgage ) 82 5.99% $10,879
    CLEARPATH LENDING 82 5.69% $8,862
    Plains Commerce Bank 77 6.11% $10,811
    Flagstar Bank, FSB 77 6.38% $6,231
    PLANET HOME LENDING, LLC 71 5.61% $5,216
    GUARANTEED RATE AFFINITY, LLC 70 6.33% $7,594
    Nations Lending Corporation 70 6.21% $9,803
    MORIA DEVELOPMENT, INC. 69 6.37% $14,413
    Equity Prime Mortgage LLC 69 6.53% $11,367
    GENEVA FINANCIAL, LLC 64 6.62% $9,389
    HOMEOWNERS FINANCIAL GROUP USA, LLC 63 6.17% $9,573
    MUTUAL OF OMAHA MORTGAGE, INC. 60 6.13% $15,012
    MORTGAGE SOLUTIONS OF COLORADO, LLC 60 6.88% $5,655
    ZILLOW HOME LOANS, LLC 59 6.19% $8,359
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 54 6.18% $7,174
    Lakeview Community Capital, LLC 46 5.78% $6,432
    Carrington Mortgage Services, LLC 45 5.94% $12,590
    LOANPAL, LLC 42 5.87% $12,169
    AMERICAN FINANCIAL NETWORK, INC. 42 6.17% $7,382
    Barrington Bank & Trust Company, N.A. 41 6.13% $7,101
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 41 5.01% $6,111
    Magnolia Bank 40 5.68% $20,955
    Bell Bank 37 6.49% $9,472
    PLAZA HOME MORTGAGE, INC. 37 5.93% $13,690
    CARDINAL FINANCIAL 36 6.41% $15,377
    ON Q FINANCIAL, INC. 34 6.01% $8,579
    JPMorgan Chase Bank 34 6.12% $4,842
    PENTAGON FEDERAL CREDIT UNION 33 5.95% $7,975
    NBKC BANK 33 5.81% $7,402
    Gateway First Bank 32 6.52% $7,167
    Waterstone Mortgage Corporation 30 6.18% $15,757
    SECURITYNATIONAL MORTGAGE COMPANY 29 6.51% $13,139
    DIRECT MORTGAGE LOANS, LLC 27 6.25% $13,739
    BAY EQUITY LLC 27 6.24% $5,207
    AMERISAVE MORTGAGE CORPORATION 26 5.55% $21,882
    Century Mortgage Company DBA Century Lending Company 26 6.01% $7,295
    HOMEBRIDGE FINANCIAL SERVICES, INC. 24 6.29% $5,087
    PHH Mortgage Corporation 24 5.76% $7,156
    First Federal Bank 23 5.69% $8,723
    Armed Forces Bank 22 6.03% $7,522
    BROOKHOLLOW MORTGAGE SERVICES, LTD 21 5.72% $10,907
    TOWNE MORTGAGE COMPANY 21 5.93% $8,781
    First Western Trust Bank 21 6.04% $7,806
    UNION HOME MORTGAGE CORP. 20 5.87% $8,368
    FBC MORTGAGE, LLC 20 6.03% $9,447
    GARDNER FINANCIAL SERVICES, LTD. 20 6.75% $14,379
    SUN AMERICAN MORTGAGE COMPANY 20 6.14% $9,450
    Sierra Pacific Mortgage Company, Inc. 18 6.38% $7,474
    STARBOARD FINANCIAL MANAGEMENT, LLC 16 6.16% $14,920
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 16 6.16% $10,937
    AmeriHome Mortgage Company, LLC 16 6.22% $5,802
    NORWICH COMMERCIAL GROUP, INC. 16 6.10% $8,040
    NETWORK CAPITAL FUNDING CORPORATION 15 6.13% $10,840
    Sunflower Bank 15 6.12% $10,420
    VERITAS FUNDING, LLC 15 6.33% $22,228
    SUMMIT FUNDING, INC. 14 6.71% $9,770
    LADERA LENDING, INC. 14 5.97% $13,553
    NEST HOME LENDING, LLC 13 5.20% $5,137
    CASTLE & COOKE MORTGAGE, LLC 13 6.56% $8,289
    NATIONS DIRECT MORTGAGE, LLC 13 6.52% $9,399
    OCMBC, INC. 13 6.23% $7,945
    Cornerstone First Mortgage, Inc 13 6.12% $13,385
    Credence Funding Corporation 13 5.68% $8,733
    HOMESIDE FINANCIAL, LLC 12 6.37% $14,798
    Wallick & Volk, Inc. 12 6.45% $9,686
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 12 6.12% $12,236
    MASON MCDUFFIE MORTGAGE CORPORATION 12 6.50% $8,158
    Wells Fargo Bank 12 6.16% $9,053
    AMERICAN FINANCIAL RESOURCES, INC. 11 6.57% $7,378
    CITY FIRST MORTGAGE SERVICES, L.L.C. 11 6.42% $8,905
    CORNERSTONE HOME LENDING, INC. 11 6.28% $7,232
    American Mortgage & Equity Consultants, Inc. 11 6.30% $14,255
    T2 FINANCIAL LLC 11 6.35% $5,792
    Texana Bank 11 6.28% $17,761
    First National Bank Texas 10 6.13% $5,152
    PACIFIC RESIDENTIAL MORTGAGE, LLC 10 6.41% $10,902
    TBI MORTGAGE COMPANY 10 6.11% $8,866
    AMERICAN FINANCING CORPORATION 10 5.95% $13,950
    S1L, Inc. 10 6.33% $9,554
    U.S. Bank 10 6.03% $8,957
    Shea Mortgage Inc. 9 5.83% $10,380
    ENVOY MORTGAGE, LTD 9 6.75% $8,482
    LEADERONE FINANCIAL CORPORATION 8 6.81% $9,998
    ALLIED MORTGAGE GROUP, INC. 8 6.19% $6,329
    PREMIA MORTGAGE, LLC 8 5.87% $13,781
    Glacier Bank 7 6.27% $8,843
    CLM MORTGAGE, INC 7 6.27% $7,514
    MORTGAGEONE, INC. 7 6.30% $24,101
    Alaska USA Federal Credit Union 6 6.38% $8,545
    CANOPY MORTGAGE, LLC 6 6.06% $9,746
    ALAMEDA MORTGAGE CORPORATION 6 6.81% $11,615
    INTERCAP LENDING INC. 6 6.33% $8,362
    North American Savings Bank, F.S.B. 5 5.93% $6,903
    Ixonia Bank 5 5.45% $12,547
    UNIVERSAL LENDING CORPORATION 5 5.52% $3,024
    TruHome Solutions, LLC 5 6.20% $10,857
    CALCON MUTUAL MORTGAGE LLC 5 6.10% $10,713
    Keystone Funding, Inc. 5 5.78% $12,999
    CHURCHILL MORTGAGE CORPORATION 5 6.03% $15,677
    RESIDENTIAL MORTGAGE, LLC 5 6.40% $8,665
    MOUNTAIN AMERICA 5 5.75% $8,572
    MICHIGAN MUTUAL, INC. 4 6.69% $8,672
    PRIMARY RESIDENTIAL MORTGAGE, INC. 4 6.25% $11,262
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 6.06% $5,830
    Goldwater Bank, N.A. 4 7.00% $8,857
    CITYWIDE HOME LOANS, LLC 4 6.47% $10,444
    US MORTGAGE CORPORATION 4 6.66% $5,693
    DAS Acquisition Company, LLC 4 6.16% $6,720
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 4 6.50% $7,397
    TJC Mortgage, Inc. 4 5.50% $18,652
    JMAC LENDING, INC. 4 6.53% $11,069
    BELEM SERVICING LLC 4 5.96% $7,237
    EVERETT FINANCIAL, INC. 4 6.09% $13,712
    BETTER MORTGAGE CORPORATION 3 6.21% $12,614
    MID AMERICA MORTGAGE, INC. 3 6.21% $4,070
    Franklin Loan Corporation 3 6.33% $17,362
    Northpointe Bank 3 6.04% $13,358
    ONY GLO, INC. 3 6.50% $7,791
    FIRST COMMUNITY MORTGAGE, INC. 3 6.21% $7,505
    POINT Mortgage 3 5.92% $3,141
    SFMC, LP 3 6.74% $16,153
    Capital Bank 3 5.38% $12,057
    Stride Bank 3 6.29% $10,711
    AXIA FINANCIAL, LLC 3 6.92% $5,176
    Arvest Bank 3 5.67% $9,720
    Ameris Bank 3 5.92% $3,472
    HomeStreet Bank 2 5.88% $9,821
    ARIZONA 2 5.81% $17,943
    NP, Inc. 2 6.81% $7,008
    FIRST MORTGAGE COMPANY, INC. 2 6.19% $10,384
    AMERITRUST MORTGAGE CORPORATION 2 6.19% $13,467
    FIRST COLONY MORTGAGE CORPORATION 2 6.06% $5,508
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 6.63% $8,945
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 5.31% $7,807
    HUNT MORTGAGE CORPORATION 2 6.63% $6,023
    EMBRACE HOME LOANS, INC. 2 6.06% $15,029
    DIRECTORS MORTGAGE, INC. 2 6.56% $13,884
    INFINITY EQUITY GROUP, INC. 2 6.75% $1,299
    CREDIT UNION WEST 2 6.56% $13,005
    MLD MORTGAGE INC. 2 5.63% $7,018
    AMERICAN INTERNET MORTGAGE, INC. 2 6.25% $3,587
    LENOX FINANCIAL MORTGAGE CORPORATION 2 5.50% $7,908
    Strong Home Mortgage, LLC 2 5.50% $2,926
    SUCCESS MORTGAGE PARTNERS, INC. 2 5.75% $35,990
    BMO Harris Bank 2 6.81% $10,744
    The Central Trust Bank 2 5.25% $3,694
    INTELLILOAN, INC. 2 6.06% $835
    TOP FLITE FINANCIAL, INC. 2 6.00% $4,063
    GoPrime Mortgage, Inc. 2 6.56% $8,745
    NEW WEST LENDING, INC. 2 6.38% $2,457
    University Bank 1 5.25% $5,209
    Western State Bank 1 5.63% $4,522
    Atlantic Coast Mortgage, LLC 1 6.75% $6,540
    DIRECT MORTGAGE, CORP. 1 7.25% $6,182
    DATA MORTGAGE, INC. 1 6.13% $18,823
    RANLIFE, INC. 1 5.50% $20,536
    RELIANCE FIRST CAPITAL, LLC 1 7.75% $3,182
    Renasant Bank 1 5.99% $11,891
    Independent Bank 1 5.63% $3,189
    Zions Bank 1 6.63% $7,356
    LOANFLIGHT LENDING, LLC 1 5.13% $1,643
    Vellum Mortgage, Inc. 1 6.50% $4,605
    Service Federal Credit Union 1 6.13% $9,475
    Watermark Capital, Inc. 1 5.63% $15,498
    Commerce Home Mortgage, Inc. 1 5.75% $8,377
    ML Mortgage Corp. 1 5.99% $13,400
    Home Mortgage Alliance Corp 1 6.63% $9,045
    Gulf Coast Bank and Trust Company 1 6.63% $17,841
    FLAT BRANCH MORTGAGE, INC. 1 6.00% $21,757
    M&T Bank 1 6.13% $5,932
    Golden Empire Mortgage, Inc. 1 6.25% $0
    MLB RESIDENTIAL LENDING, LLC 1 6.13% $16,534
    Cambria Financial Group, LLC 1 5.63% $4,664
    Meridian Bank Corporation 1 6.00% $6,110
    BOKF 1 7.63% $8,115
    SWBC MORTGAGE CORPORATION 1 6.25% $3,453
    BM Real Estate Services, Inc. 1 5.75% $5,363
    Academy Bank 1 5.75% $0
    Jonah Bank of Wyoming 1 5.75% $28,604
    Network Funding, L.P. 1 6.63% $32,884
    Leader Bank 1 6.75% $5,221
    BECKAM FUNDING CORP. 1 6.13% $11,521
    THE MORTGAGE LINK, INC. 1 6.75% $22,639
    The Union Bank Company 1 6.75% $6,262
    INTERCOASTAL MORTGAGE COMPANY 1 6.63% $5,973
    Florida Capital Bank 1 6.25% $13,842
    BAY-VALLEY MORTGAGE GROUP 1 5.75% $8,809
    FISHER FINANCIAL GROUP, INCORPORATED 1 5.13% $1,135
    First State Bank of St. Charles, Missouri 1 5.63% $6,008
    Loan Simple, Inc. 1 6.63% $9,368
    UMB Bank 1 5.25% $3,940
    First Financial Bank 1 5.75% $15,831
    AmRes Corporation 1 6.25% $18,655
    Pacific Lending LLC 1 6.50% $4,489
    Umpqua Bank 1 6.63% $6,656
    Bank of England 1 5.50% $9,844
    First-Citizens Bank & Trust Company 1 6.00% $11,988
    FirstBank 1 5.75% $18,266
    Performance Financial, Inc. 1 5.75% $6,776
    Financial Funding Solutions, Inc. 1 6.25% $4,441
    Farmers Bank & Trust 1 6.00% $1,095
    Bank of America 1 6.13% $6,377
    Hometown Equity Mortgage, LLC 1 6.75% $6,551
    PNC Bank 1 6.25% $5,919
    JMJ FINANCIAL GROUP 1 6.13% $3,347
    EVANSVILLE TEACHERS 1 5.75% $44,076
    PREMIER LENDING, INC. 1 6.63% $9,253
    INTERLINC MORTGAGE SERVICES, LLC 1 6.13% $10,941
    Presidential Bank, FSB 1 6.63% $26,505

    The top Arizona VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 2,492 VA loans originated. Their average total fees are $8,034, which is $915 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Arizona VA lenders (with over 10 loans originated) are JPMorgan Chase Bank ($4,842), HOMEBRIDGE FINANCIAL SERVICES, INC. ($5,087), NEST HOME LENDING, LLC ($5,137), First National Bank Texas ($5,152) and BAY EQUITY LLC ($5,207).

    The lowest rate Arizona VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.74%), VELOCIO MORTGAGE L.L.C. (4.89%), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.01%), HOMEAMERICAN MORTGAGE CORPORATION (5.04%) and PULTE MORTGAGE LLC (5.09%).

    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.