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 -0.45% for the week of 2023-11-24, compared to the national average (all VA variants) of 0% for the same period.

    Arizona's average VA mortgage closing costs are $6,412.

    The average rate for the prior week (2023-11-17) was 6.8% and one month ago for the week of 2023-10-20, the average rate was 7.13%.

    The average rate one year ago was 6.14%.

    For refis of the same type during the week of 2023-11-24, the average rate was -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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 2,002 4.11% $9,981
    Mortgage Research Center, LLC 1,406 4.84% $9,355
    QUICKEN LOANS, LLC 1,368 3.86% $12,592
    FREEDOM MORTGAGE CORPORATION 983 3.87% $12,447
    LOANDEPOT.COM, LLC 892 4.11% $12,868
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 835 4.67% $10,505
    NOVA FINANCIAL & INVESTMENT CORPORATION 782 4.82% $6,056
    PENNYMAC LOAN SERVICES, LLC 609 3.41% $11,432
    NAVY FEDERAL CREDIT UNION 546 3.79% $8,439
    NEW DAY FINANCIAL, LLC 383 4.77% $12,627
    GUILD MORTGAGE COMPANY 358 4.63% $11,585
    DHI MORTGAGE COMPANY, LTD. 338 4.25% $8,638
    CROSSCOUNTRY MORTGAGE, LLC 333 4.83% $12,554
    USAA Federal Savings Bank 305 4.26% $9,605
    The Federal Savings Bank 281 4.39% $16,981
    HOME POINT FINANCIAL CORPORATION 264 3.71% $10,077
    V.I.P. MORTGAGE, INC. 246 4.75% $10,541
    HOMEAMERICAN MORTGAGE CORPORATION 218 4.01% $6,735
    ACADEMY MORTGAGE CORPORATION 198 4.87% $12,321
    CLEARPATH LENDING 192 3.58% $14,350
    Amerifirst Financial, Inc. 176 4.85% $9,855
    CALIBER HOME LOANS, INC. 168 4.30% $11,223
    PULTE MORTGAGE LLC 167 4.28% $6,796
    AMERISAVE MORTGAGE CORPORATION 163 4.09% $15,949
    LAKEVIEW LOAN SERVICING, LLC 154 3.38% $6,867
    Mr. Cooper ( Nationstar Mortgage ) 153 4.14% $9,993
    EAGLE HOME MORTGAGE, LLC 153 4.41% $7,909
    BROKER SOLUTIONS, INC. 145 4.38% $11,136
    NFM, INC. 141 4.95% $10,983
    LOANPAL, LLC 140 3.54% $15,821
    Prosperity Home Mortgage, LLC 134 4.59% $11,093
    AMERICAN PACIFIC MORTGAGE CORPORATION 131 4.95% $12,504
    GUARANTEED RATE, INC. 130 4.29% $8,409
    South Pacific Financial Corporation 129 4.50% $14,770
    MOVEMENT MORTGAGE, LLC 127 4.69% $10,818
    HOMEOWNERS FINANCIAL GROUP USA, LLC 121 4.60% $13,460
    Paramount Residential Mortgage Group, Inc. 121 4.48% $10,962
    VILLAGE CAPITAL MORTGAGE 119 3.73% $10,665
    ALTITUDE FINANCIAL CORPORATION 117 4.48% $8,758
    NEWREZ LLC 116 4.05% $10,534
    CARDINAL FINANCIAL 111 4.25% $13,860
    CMG MORTGAGE, INC. 111 4.24% $13,183
    Flagstar Bank, FSB 110 4.23% $10,845
    Wells Fargo Bank 107 4.15% $6,755
    PRIMELENDING, A PLAINSCAPITAL COMPANY 103 4.88% $9,857
    SUNSTREET MORTGAGE, LLC 93 4.10% $8,541
    GUARANTEED RATE AFFINITY, LLC 87 4.74% $8,755
    Barrington Bank & Trust Company, N.A. 84 4.40% $9,801
    KBHS HOME LOANS, LLC 83 4.32% $11,395
    VELOCIO MORTGAGE L.L.C. 79 4.63% $12,179
    MORIA DEVELOPMENT, INC. 78 4.58% $15,217
    Carrington Mortgage Services, LLC 77 4.54% $11,848
    ON Q FINANCIAL, INC. 76 4.69% $11,111
    FINANCE OF AMERICA MORTGAGE LLC 76 4.56% $11,182
    PENTAGON FEDERAL CREDIT UNION 74 3.16% $6,732
    GENEVA FINANCIAL, LLC 73 4.99% $11,994
    BAY EQUITY LLC 67 4.88% $12,801
    MATTAMY HOME FUNDING, LLC 64 4.04% $14,454
    LHM FINANCIAL CORPORATION 62 4.31% $13,098
    MORTGAGE SOLUTIONS OF COLORADO, LLC 59 5.58% $12,847
    Magnolia Bank 59 4.13% $14,764
    INSPIRE HOME LOANS INC. 58 4.75% $11,000
    MUTUAL OF OMAHA MORTGAGE, INC. 55 4.22% $11,246
    Wallick & Volk, Inc. 54 4.62% $12,463
    PLANET HOME LENDING, LLC 52 4.10% $9,424
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 44 4.55% $12,013
    Gateway First Bank 44 4.84% $10,746
    Waterstone Mortgage Corporation 43 4.35% $14,915
    Neighborhood Loans, Inc. 42 5.01% $11,407
    Lakeview Community Capital, LLC 42 3.52% $7,754
    Equity Prime Mortgage LLC 41 5.40% $12,316
    NATIONS DIRECT MORTGAGE, LLC 40 4.44% $10,615
    SUN AMERICAN MORTGAGE COMPANY 38 4.92% $10,760
    PRIMARY RESIDENTIAL MORTGAGE, INC. 36 4.69% $10,095
    SUN WEST MORTGAGE COMPANY, INC. 36 4.24% $9,757
    UNION HOME MORTGAGE CORP. 34 3.27% $8,248
    CHERRY CREEK MORTGAGE, LLC 34 4.65% $5,474
    JPMorgan Chase Bank 33 4.51% $12,026
    HOMEBRIDGE FINANCIAL SERVICES, INC. 33 4.67% $12,943
    North American Savings Bank, F.S.B. 33 3.63% $9,292
    Nations Lending Corporation 32 5.02% $10,917
    Strong Home Mortgage, LLC 32 3.61% $7,993
    PLAZA HOME MORTGAGE, INC. 31 4.28% $12,162
    SECURITYNATIONAL MORTGAGE COMPANY 31 5.08% $17,069
    AXIA FINANCIAL, LLC 31 4.60% $12,414
    VERITAS FUNDING, LLC 30 4.96% $18,332
    NBKC BANK 30 4.02% $8,411
    SUMMIT FUNDING, INC. 29 4.97% $13,961
    Armed Forces Bank 29 4.38% $9,767
    AMERICAN FINANCING CORPORATION 29 3.70% $13,303
    Bell Bank 28 4.83% $6,714
    Hometown Lenders, Inc. 27 4.04% $9,319
    Low VA Rates, LLC 27 4.02% $15,174
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 27 4.53% $9,291
    FBC MORTGAGE, LLC 26 4.66% $11,459
    Mid-Continent Funding, Inc. 24 4.40% $12,055
    Goldwater Bank, N.A. 23 4.55% $16,039
    Watermark Capital, Inc. 22 3.31% $8,593
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 22 5.35% $14,578
    PACIFIC RESIDENTIAL MORTGAGE, LLC 22 4.66% $10,989
    Plains Commerce Bank 21 4.37% $11,993
    ENVOY MORTGAGE, LTD 21 4.91% $10,338
    Sunflower Bank 21 3.93% $8,765
    TBI MORTGAGE COMPANY 21 4.68% $9,521
    BROOKHOLLOW MORTGAGE SERVICES, LTD 21 4.94% $9,878
    STARBOARD FINANCIAL MANAGEMENT, LLC 20 4.68% $11,616
    NETWORK CAPITAL FUNDING CORPORATION 20 4.25% $10,695
    CITYWIDE HOME LOANS, LLC 20 4.76% $13,400
    SUBURBAN MORTGAGE, INC. 20 4.22% $8,036
    LEADERONE FINANCIAL CORPORATION 20 4.59% $13,602
    Shea Mortgage Inc. 19 4.80% $7,828
    RESIDENTIAL BANCORP 19 4.40% $13,334
    Wyndham Capital Mortgage, Inc. 19 3.19% $6,538
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 19 4.68% $8,242
    Lend Smart Mortgage, LLC 19 4.32% $11,457
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 17 5.20% $9,129
    AMERICAN FINANCIAL RESOURCES, INC. 16 4.80% $7,813
    INTERCAP LENDING INC. 16 4.13% $7,602
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 15 4.61% $10,898
    MANN FINANCIAL INC. 14 4.79% $5,873
    CASTLE & COOKE MORTGAGE, LLC 14 4.76% $17,803
    Sierra Pacific Mortgage Company, Inc. 14 4.29% $8,401
    LADERA LENDING, INC. 14 4.21% $12,381
    PREMIA MORTGAGE, LLC 14 4.10% $8,361
    SOVEREIGN LENDING GROUP INCORPORATED 14 3.79% $12,652
    S1L, Inc. 14 4.17% $12,480
    CHURCHILL MORTGAGE CORPORATION 13 3.92% $8,450
    AMCAP MORTGAGE, LTD. 13 4.75% $13,102
    HOMESIDE FINANCIAL, LLC 13 4.42% $8,987
    U.S. Bank 13 4.66% $12,261
    TOWNE MORTGAGE COMPANY 13 3.55% $11,626
    First Federal Bank 13 4.27% $15,098
    Texana Bank 12 3.56% $14,549
    BNC National Bank 12 3.40% $12,536
    CALCON MUTUAL MORTGAGE LLC 11 5.56% $14,685
    First Guaranty Mortgage Corporation 11 3.67% $13,549
    Loan Simple, Inc. 11 4.83% $14,380
    ZILLOW HOME LOANS, LLC 10 4.50% $11,962
    The Central Trust Bank 9 4.01% $13,525
    The Home Loan Expert LLC 9 4.79% $7,761
    TJC Mortgage, Inc. 9 3.44% $11,110
    KELLER MORTGAGE, LLC 9 4.32% $9,624
    EVERETT FINANCIAL, INC. 9 5.51% $4,324
    MORTGAGEONE, INC. 9 3.31% $11,679
    Franklin Loan Corporation 9 5.24% $18,693
    Northpointe Bank 9 4.58% $14,436
    THRIVE MORTGAGE, LLC 8 5.11% $11,023
    Zions Bank 8 4.42% $10,254
    SWBC MORTGAGE CORPORATION 8 4.28% $12,589
    NEW WEST LENDING, INC. 8 4.67% $9,125
    First National Bank Texas 8 4.80% $13,667
    Prime Choice Funding Inc. 8 3.25% $6,406
    TruHome Solutions, LLC 8 4.38% $12,842
    PREMIER LENDING, INC. 8 4.69% $16,864
    BELEM SERVICING LLC 7 2.82% $11,787
    Alaska USA Federal Credit Union 7 3.38% $5,051
    CANOPY MORTGAGE, LLC 7 4.09% $9,169
    Century Mortgage Company DBA Century Lending Company 7 4.25% $11,608
    M&T Bank 7 3.57% $6,345
    Capital Bank 6 4.52% $6,146
    TOP FLITE FINANCIAL, INC. 6 4.73% $15,816
    Commerce Home Mortgage, Inc. 6 4.23% $13,627
    Community First National Bank 6 4.67% $13,854
    Bank of England 6 4.17% $6,463
    RELIANCE FIRST CAPITAL, LLC 6 5.21% $9,202
    NEST HOME LENDING, LLC 6 5.46% $7,348
    SOUTHWEST STAGE FUNDING, LLC 6 4.10% $11,448
    DRAPER AND KRAMER MORTGAGE CORP. 5 4.58% $10,563
    MOUNTAIN WEST FINANCIAL, INC. 5 4.18% $18,883
    ARIZONA 5 4.55% $10,793
    BECKAM FUNDING CORP. 5 4.50% $7,966
    Academy Bank 5 3.58% $10,037
    CORNERSTONE HOME LENDING, INC. 5 4.35% $9,537
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 5 4.25% $11,033
    DIRECTORS MORTGAGE, INC. 5 4.98% $17,075
    1st Security Bank of Washington 4 4.09% $13,067
    ALAMEDA MORTGAGE CORPORATION 4 5.94% $8,984
    DIRECT MORTGAGE, CORP. 4 4.28% $20,048
    Financial Funding Solutions, Inc. 4 4.22% $11,924
    FIRST CENTENNIAL MORTGAGE CORPORATION 4 3.91% $11,116
    First Home Bank 4 4.06% $9,683
    HUNT MORTGAGE CORPORATION 4 4.72% $8,439
    IDEAL HOME LOANS LLC 4 4.50% $14,953
    INTERLINC MORTGAGE SERVICES, LLC 4 5.16% $8,402
    OAKTREE FUNDING CORP. 4 4.88% $18,369
    OCMBC, INC. 4 3.66% $12,417
    Pacific Lending LLC 4 4.25% $11,561
    Paramount Bank 4 4.22% $18,107
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 4 4.19% $8,587
    NP, Inc. 3 2.75% $4,958
    Glacier Bank 3 4.96% $11,927
    Cornerstone First Mortgage, Inc 3 4.63% $7,374
    MICHIGAN MUTUAL, INC. 3 5.25% $14,037
    PNC Bank 3 3.63% $13,338
    AMERICAN INTERNET MORTGAGE, INC. 3 4.58% $6,463
    Meridian Bank Corporation 3 3.42% $6,395
    NBH Bank 3 4.25% $12,108
    EMBRACE HOME LOANS, INC. 3 4.08% $8,119
    EMM LOANS LLC 3 5.04% $13,410
    First Western Trust Bank 3 5.42% $22,361
    VAN DYK MORTGAGE CORPORATION 3 5.17% $5,834
    LEGEND LENDING CORPORATION 3 5.83% $12,934
    CITY FIRST MORTGAGE SERVICES, L.L.C. 3 4.38% $4,875
    Golden Empire Mortgage, Inc. 2 5.00% $17,959
    MASON MCDUFFIE MORTGAGE CORPORATION 2 4.50% $9,519
    LENOX FINANCIAL MORTGAGE CORPORATION 2 4.44% $11,990
    LAND HOME FINANCIAL SERVICES, INC. 2 5.25% $7,119
    Willamette Valley Bank 2 4.81% $9,991
    Old National Bank 2 4.44% $13,333
    OPEN MORTGAGE, LLC 2 5.00% $7,271
    PANORAMA MORTGAGE GROUP, LLC 2 3.62% $11,563
    AMERICA FIRST 2 6.13% $6,539
    INTELLILOAN, INC. 2 4.81% $15,049
    PHH Mortgage Corporation 2 4.38% $19,064
    HOMESTEAD FUNDING CORP. 2 3.56% $19,387
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 4.94% $29,733
    GSF Mortgage Corporation 2 4.88% $3,754
    First Savings Bank 2 6.75% $17,980
    RESIDENTIAL MORTGAGE, LLC 2 3.13% $10,212
    ROYAL UNITED MORTGAGE LLC 2 5.00% $35,435
    FIRST NATIONS HOME FINANCE CORPORATION 2 4.69% $5,995
    First Federal Bank of Kansas City 2 4.94% $15,711
    SIRVA MORTGAGE, INC. 2 5.25% $10,230
    STEARNS LENDING, LLC 2 2.63% $5,659
    Evolve Bank & Trust 2 4.13% $15,392
    SUCCESS MORTGAGE PARTNERS, INC. 2 5.38% $11,044
    Core Bank 2 4.25% $10,449
    COMPASS MORTGAGE, INC. 2 4.69% $4,623
    Citizens Bank 2 4.50% $18,592
    BOKF 2 4.56% $13,731
    BEST CAPITAL FUNDING 2 3.81% $11,485
    BAYSHORE MORTGAGE FUNDING, LLC 2 4.63% $9,075
    Bank of Colorado 2 4.44% $6,198
    Victorian Finance, LLC 2 3.63% $14,176
    Bank of America 2 3.69% $6,097
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 2 4.25% $9,512
    NATIONS RELIABLE LENDING, LLC 2 4.88% $8,221
    NATIONWIDE MORTGAGE BANKERS, INC. 2 4.38% $9,726
    UNITED MORTGAGE CORP 1 3.75% $24,265
    ALLIED MORTGAGE GROUP, INC. 1 5.63% $3,637
    First Option Mortgage, LLC 1 5.63% $7,603
    UNITED SECURITY FINANCIAL CORP 1 2.88% $19,231
    AmRes Corporation 1 4.13% $6,996
    First Internet Bank of Indiana 1 2.63% $9,553
    Service Federal Credit Union 1 5.88% $2,927
    SFMC, LP 1 3.63% $17,799
    First International Bank & Trust 1 3.50% $26,103
    AMERIFIRST FINANCIAL CORPORATION 1 5.88% $10,756
    Simmons Bank 1 2.75% $13,389
    BANKWEST, INC. 1 4.75% $7,978
    First Credit Union 1 4.75% $5,108
    FirstBank 1 3.75% $3,466
    First Bank 1 5.13% $20,112
    First Bank 1 3.25% $13,639
    Utah Mortgage Loan Corporation 1 3.00% $16,473
    MLD MORTGAGE INC. 1 3.75% $17,539
    NexBank 1 6.13% $20,135
    Bank of Utah 1 3.75% $10,576
    LOANFLIGHT LENDING, LLC 1 2.25% $18,675
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 5.25% $11,064
    DATA MORTGAGE, INC. 1 7.25% $35
    DAS Acquisition Company, LLC 1 6.25% $12,277
    CUSTOMER SERVICE MORTGAGE CORPORATION 1 6.75% $12,437
    CREDIT UNION WEST 1 4.63% $12,560
    T2 FINANCIAL LLC 1 5.25% $27,581
    Credence Funding Corporation 1 4.38% $13,041
    MID AMERICA MORTGAGE, INC. 1 5.00% $15,347
    MORTGAGE EXPRESS, LLC 1 3.63% $14,043
    CONTOUR MORTGAGE CORPORATION 1 5.25% $20,572
    Mutual Federal Bank 1 5.13% $3,472
    The Huntington National Bank 1 6.00% $3,744
    ONY GLO, INC. 1 5.88% $24,549
    The Loan Store, Inc. 1 6.50% $17,920
    Opportunity Bank of Montana 1 6.38% $4,046
    KeyBank 1 4.38% $4,338
    JMJ FINANCIAL GROUP 1 6.75% $68,080
    Colonial Savings, F.A. 1 4.50% $12,093
    MidFirst Bank 1 3.50% $8,425
    JMAC LENDING, INC. 1 4.75% $14,592
    JAMES B. NUTTER & COMPANY 1 4.75% $1,742
    MOUNTAIN AMERICA 1 3.25% $20,123
    CENTENNIAL LENDING, LLC 1 5.25% $18,233
    PINNACLE LENDING GROUP, INC. 1 5.50% $7,308
    IMPAC MORTGAGE CORP. 1 2.63% $0
    Hometown Equity Mortgage, LLC 1 5.25% $13,934
    Town Square Mortgage & Investments, Inc. 1 5.25% $13,208
    ONE NEVADA CREDIT UNION 1 3.88% $2,953
    HANCOCK MORTGAGE PARTNERS, LLC 1 3.50% $4,886
    GUARANTY HOME MORTGAGE CORPORATION 1 5.63% $16,289
    Austin Capital Bank SSB 1 5.75% $2,049
    Umpqua Bank 1 4.00% $5,097
    Great Southern Bank 1 5.25% $27,445
    GoPrime Mortgage, Inc. 1 5.50% $18,971
    ML Mortgage Corp. 1 3.25% $29,248
    American Mortgage & Equity Consultants, Inc. 1 5.75% $4,070
    Lincoln FSB of Nebraska 1 3.25% $5,814
    RANLIFE, INC. 1 5.13% $9,591
    FIRST STATE MORTGAGE SERVICES, LLC 1 2.75% $32,685
    Renasant Bank 1 2.75% $4,988
    BLUELEAF LENDING, LLC 1 3.25% $5,378

    The top Arizona VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 2,002 VA loans originated. Their average total fees are $9,981, which is $626 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Arizona VA lenders (with over 10 loans originated) are CHERRY CREEK MORTGAGE, LLC ($5,474), MANN FINANCIAL INC. ($5,873), NOVA FINANCIAL & INVESTMENT CORPORATION ($6,056), Wyndham Capital Mortgage, Inc. ($6,538) and Bell Bank ($6,714).

    The lowest rate Arizona VA lenders (with over 10 loans originated) are PENTAGON FEDERAL CREDIT UNION (3.16%), Wyndham Capital Mortgage, Inc. (3.19%), UNION HOME MORTGAGE CORP. (3.27%), Watermark Capital, Inc. (3.31%) and LAKEVIEW LOAN SERVICING, LLC (3.38%).

    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.