California VA Loan Rates, Closing Costs & Stats

California

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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.

    California VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in California averaged 6.91% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

    California's average VA mortgage closing costs are $8,349.

    The average rate for the prior week (2025-07-04) was 6.52% and one month ago for the week of 2025-06-06, the average rate was 6.79%.

    The average rate one year ago was 6.81%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.44%.

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

    California 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 California level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 5,377 5.88% $10,080
    Mortgage Research Center, LLC 1,956 6.22% $9,136
    QUICKEN LOANS, LLC 1,803 5.95% $12,230
    FREEDOM MORTGAGE CORPORATION 1,110 6.01% $12,561
    LOANDEPOT.COM, LLC 778 5.77% $15,424
    PENNYMAC LOAN SERVICES, LLC 741 5.71% $12,792
    CROSSCOUNTRY MORTGAGE, LLC 616 6.16% $13,025
    NAVY FEDERAL CREDIT UNION 615 5.83% $8,511
    EAGLE HOME MORTGAGE, LLC 485 5.46% $7,743
    NEWREZ LLC 468 6.05% $11,892
    GUARANTEED RATE, INC. 347 5.96% $8,651
    VILLAGE CAPITAL MORTGAGE 338 5.65% $9,248
    AMERICAN PACIFIC MORTGAGE CORPORATION 319 6.38% $15,929
    CMG MORTGAGE, INC. 313 6.04% $17,280
    DHI MORTGAGE COMPANY, LTD. 307 5.28% $10,081
    The Loan Store, Inc. 231 6.14% $13,123
    SUN WEST MORTGAGE COMPANY, INC. 229 5.95% $12,822
    Paramount Residential Mortgage Group, Inc. 220 6.28% $12,441
    GUILD MORTGAGE COMPANY 220 6.14% $12,981
    Century Mortgage Company DBA Century Lending Company 210 6.08% $9,982
    KBHS HOME LOANS, LLC 207 5.72% $10,545
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 206 6.40% $12,022
    USAA Federal Savings Bank 191 6.15% $12,064
    The Federal Savings Bank 191 6.09% $24,620
    MOVEMENT MORTGAGE, LLC 184 6.21% $13,243
    BROKER SOLUTIONS, INC. 177 6.33% $16,644
    Golden Empire Mortgage, Inc. 171 6.26% $12,230
    NEW DAY FINANCIAL, LLC 157 7.42% $17,355
    LAKEVIEW LOAN SERVICING, LLC 146 5.69% $7,728
    PLANET HOME LENDING, LLC 143 5.70% $6,202
    Equity Prime Mortgage LLC 142 6.42% $12,229
    Flagstar Bank, FSB 140 6.04% $12,653
    AMERICAN FINANCIAL NETWORK, INC. 135 6.18% $10,473
    HOMEAMERICAN MORTGAGE CORPORATION 133 5.23% $5,939
    U.S. Bank 125 5.97% $13,288
    OCMBC, INC. 115 6.24% $12,006
    Lakeview Community Capital, LLC 108 5.59% $8,511
    INSPIRE HOME LOANS INC. 103 5.25% $10,792
    Mr. Cooper ( Nationstar Mortgage ) 100 5.95% $11,949
    MORTGAGE SOLUTIONS OF COLORADO, LLC 99 6.84% $10,734
    MORTGAGEONE, INC. 86 6.32% $12,915
    ALAMEDA MORTGAGE CORPORATION 81 6.15% $15,668
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 79 5.16% $7,415
    PLAZA HOME MORTGAGE, INC. 77 6.08% $15,617
    Sierra Pacific Mortgage Company, Inc. 76 6.18% $12,384
    FIRST COLONY MORTGAGE CORPORATION 75 6.00% $11,086
    PULTE MORTGAGE LLC 75 5.49% $6,469
    Barrington Bank & Trust Company, N.A. 75 6.15% $11,697
    CLEARPATH LENDING 74 5.74% $10,415
    South Pacific Financial Corporation 70 5.76% $11,995
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 69 6.15% $13,200
    Franklin Loan Corporation 64 6.27% $10,897
    Magnolia Bank 63 5.83% $21,002
    MUTUAL OF OMAHA MORTGAGE, INC. 61 6.15% $21,323
    ZILLOW HOME LOANS, LLC 60 6.11% $13,110
    Carrington Mortgage Services, LLC 60 6.04% $14,269
    PRIMELENDING, A PLAINSCAPITAL COMPANY 59 6.31% $11,321
    POINT Mortgage 57 5.98% $11,444
    GUARANTEED RATE AFFINITY, LLC 57 6.04% $10,050
    LOANPAL, LLC 55 5.81% $14,819
    NBKC BANK 53 5.91% $7,999
    BAY EQUITY LLC 52 6.32% $13,998
    JMJ FINANCIAL GROUP 52 6.16% $16,580
    JPMorgan Chase Bank 50 5.85% $7,486
    HOMEBRIDGE FINANCIAL SERVICES, INC. 48 6.24% $9,425
    Commerce Home Mortgage, Inc. 47 6.27% $10,417
    American Mortgage & Equity Consultants, Inc. 46 6.48% $15,455
    NATIONS DIRECT MORTGAGE, LLC 45 6.27% $13,766
    First Federal Bank 44 5.70% $10,263
    JMAC LENDING, INC. 43 6.01% $12,088
    NFM, INC. 42 5.89% $16,936
    Cornerstone First Mortgage, Inc 40 6.20% $16,743
    S1L, Inc. 38 6.21% $17,949
    AUGUSTA FINANCIAL, INC. 38 6.09% $13,538
    PREMIER MORTGAGE RESOURCES, L.L.C. 36 6.16% $14,760
    AMERISAVE MORTGAGE CORPORATION 36 6.01% $25,698
    PENTAGON FEDERAL CREDIT UNION 35 5.98% $8,804
    EVERETT FINANCIAL, INC. 34 6.48% $13,144
    Pacific Lending LLC 33 6.34% $17,548
    NETWORK CAPITAL FUNDING CORPORATION 33 5.97% $14,938
    MLD MORTGAGE INC. 32 5.92% $8,275
    SUMMIT FUNDING, INC. 32 6.39% $11,716
    CARDINAL FINANCIAL 32 6.43% $20,411
    Hometown Equity Mortgage, LLC 32 5.75% $13,946
    ML Mortgage Corp. 29 6.17% $13,714
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 29 6.32% $15,144
    INTERCAP LENDING INC. 28 6.07% $9,864
    Prosperity Home Mortgage, LLC 28 6.12% $15,687
    Home Mortgage Alliance Corp 28 6.46% $13,504
    GENEVA FINANCIAL, LLC 27 6.55% $22,279
    SCENIC OAKS FUNDING, INC. 26 6.19% $16,605
    Nations Lending Corporation 26 6.40% $12,105
    AXIA FINANCIAL, LLC 26 6.20% $11,800
    Ameris Bank 26 5.98% $10,310
    MORIA DEVELOPMENT, INC. 26 6.31% $10,878
    Plains Commerce Bank 25 6.17% $11,350
    DIGNIFIED HOME LOANS, LLC 25 6.26% $13,254
    CLM MORTGAGE, INC 24 5.86% $8,421
    FBC MORTGAGE, LLC 24 5.70% $5,609
    Shea Mortgage Inc. 24 6.14% $12,776
    PHH Mortgage Corporation 22 5.46% $8,451
    MASON MCDUFFIE MORTGAGE CORPORATION 22 6.48% $17,736
    AmeriHome Mortgage Company, LLC 22 6.06% $12,973
    Armed Forces Bank 21 6.14% $9,220
    LADERA LENDING, INC. 20 5.99% $10,022
    Performance Financial, Inc. 20 6.47% $15,418
    AHL FUNDING 20 6.35% $11,480
    Wells Fargo Bank 19 6.24% $12,648
    HOMESIDE FINANCIAL, LLC 18 6.17% $20,128
    NORWICH COMMERCIAL GROUP, INC. 18 5.92% $7,164
    PACIFIC RESIDENTIAL MORTGAGE, LLC 17 6.40% $16,123
    COASTAL FUNDING SLC, INC. 17 6.35% $11,629
    VERITAS FUNDING, LLC 16 6.36% $27,589
    FIRST COMMUNITY MORTGAGE, INC. 16 5.97% $9,723
    LEADERONE FINANCIAL CORPORATION 16 6.25% $13,392
    BAY-VALLEY MORTGAGE GROUP 15 6.19% $15,384
    CITY FIRST MORTGAGE SERVICES, L.L.C. 15 6.03% $8,087
    NP, Inc. 15 6.57% $26,166
    MICHIGAN MUTUAL, INC. 15 6.27% $6,716
    HOMEOWNERS FINANCIAL GROUP USA, LLC 15 6.14% $22,477
    FIRST NATIONS HOME FINANCE CORPORATION 15 6.27% $7,770
    UNION HOME MORTGAGE CORP. 15 6.20% $11,656
    MOUNTAIN WEST FINANCIAL, INC. 14 6.43% $17,773
    LAND HOME FINANCIAL SERVICES, INC. 14 6.51% $10,979
    PRIMARY RESIDENTIAL MORTGAGE, INC. 14 6.24% $8,128
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 13 6.44% $9,928
    V.I.P. MORTGAGE, INC. 13 6.42% $12,264
    INFINITY EQUITY GROUP, INC. 13 6.55% $5,296
    HighTechLending Inc 13 6.20% $6,161
    AMERICAN FINANCIAL RESOURCES, INC. 13 6.13% $13,306
    ONY GLO, INC. 12 5.93% $10,557
    DAS Acquisition Company, LLC 12 6.41% $7,913
    CHURCHILL MORTGAGE CORPORATION 11 6.31% $14,643
    Texana Bank 11 5.98% $16,385
    San Diego Funding 11 6.04% $21,176
    AMERITRUST MORTGAGE CORPORATION 11 6.33% $14,577
    ENVOY MORTGAGE, LTD 10 6.58% $10,100
    KD CAPITAL MORTGAGE CORPORATION 10 5.94% $14,170
    ST FIN CORP 9 6.49% $17,344
    SECURITYNATIONAL MORTGAGE COMPANY 9 6.49% $16,478
    TOWNE MORTGAGE COMPANY 9 6.11% $11,129
    ON Q FINANCIAL, INC. 8 6.64% $4,399
    GoPrime Mortgage, Inc. 8 6.22% $14,488
    INTELLILOAN, INC. 8 5.93% $4,706
    CORNERSTONE HOME LENDING, INC. 8 6.30% $14,856
    SUCCESS MORTGAGE PARTNERS, INC. 8 6.28% $25,127
    BM Real Estate Services, Inc. 7 6.34% $12,664
    CITYWIDE HOME LOANS, LLC 7 6.25% $15,252
    Wallick & Volk, Inc. 7 6.16% $7,851
    ALLIED MORTGAGE GROUP, INC. 7 6.04% $8,955
    Credence Funding Corporation 7 5.71% $10,647
    Vellum Mortgage, Inc. 7 6.05% $16,815
    CANOPY MORTGAGE, LLC 6 6.17% $14,832
    US MORTGAGE CORPORATION 6 6.15% $10,942
    North American Savings Bank, F.S.B. 6 5.73% $5,698
    CAMPOS FINANCIAL CORP. 6 6.67% $16,611
    AMERICAN FINANCING CORPORATION 6 5.65% $10,536
    Watermark Capital, Inc. 6 6.06% $8,672
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 6 6.00% $15,530
    ALTITUDE FINANCIAL CORPORATION 6 6.10% $4,100
    NOVA FINANCIAL & INVESTMENT CORPORATION 5 6.40% $7,495
    Florida Capital Bank 5 6.13% $13,272
    First Bank 5 6.30% $9,025
    TBI MORTGAGE COMPANY 5 6.15% $4,890
    TOP FLITE FINANCIAL, INC. 5 6.45% $8,529
    DIRECTORS MORTGAGE, INC. 5 6.83% $19,286
    HomePromise Corporation 5 7.30% $5,570
    NATIONWIDE MORTGAGE BANKERS, INC. 5 6.93% $20,659
    The Central Trust Bank 4 5.84% $7,882
    CALCON MUTUAL MORTGAGE LLC 4 5.97% $12,081
    MORTGAGE MANAGEMENT CONSULTANTS, INC. 4 6.53% $7,488
    Ixonia Bank 4 5.81% $16,659
    HOMEXPRESS MORTGAGE CORP. 4 6.53% $4,877
    DIRECTIONS EQUITY, LLC 4 5.97% $14,236
    OPEN MORTGAGE, LLC 4 6.13% $24,228
    PREMIA MORTGAGE, LLC 4 5.96% $10,494
    TJC Mortgage, Inc. 4 6.47% $12,131
    First Western Trust Bank 4 5.81% $12,469
    BRIDGELOCK CAPITAL 4 6.44% $16,893
    ISERVE RESIDENTIAL LENDING, LLC 3 6.46% $9,562
    Paramount Bank 3 5.71% $11,515
    T2 FINANCIAL LLC 3 5.71% $10,844
    Sunflower Bank 3 6.20% $10,898
    DIRECT MORTGAGE, CORP. 3 5.79% $11,088
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 3 5.50% $15,861
    MORTGAGE EQUITY PARTNERS LLC 3 5.96% $14,534
    Meridian Bank Corporation 3 5.63% $6,509
    ROYAL UNITED MORTGAGE LLC 3 6.58% $27,039
    PROPER RATE, LLC 3 5.81% $3,307
    MEGASTAR FINANCIAL CORP. 3 6.67% $17,313
    Umpqua Bank 3 6.67% $13,330
    TRAVIS CREDIT UNION 3 6.89% $8,719
    PANORAMA MORTGAGE GROUP, LLC 3 6.42% $12,579
    PNC Bank 2 6.50% $6,774
    Bank of America 2 6.19% $9,552
    Bell Bank 2 6.13% $8,981
    BMO Harris Bank 2 5.63% $26,295
    CASTLE & COOKE MORTGAGE, LLC 2 6.44% $13,665
    CENTRAL COAST LENDING, INC. 2 6.50% $6,451
    Citibank 2 6.69% $16,511
    DATA MORTGAGE, INC. 2 6.75% $6,722
    EMM LOANS LLC 2 6.19% $16,224
    GARDNER FINANCIAL SERVICES, LTD. 2 6.44% $22,616
    LENOX FINANCIAL MORTGAGE CORPORATION 2 5.63% $20,442
    LOANFLIGHT LENDING, LLC 2 6.37% $24,294
    MORTGAGE 1 INCORPORATED 2 6.81% $4,932
    M&T Bank 2 5.94% $23,094
    MYCUMORTGAGE, LLC 2 6.94% $2,988
    MY MORTGAGE, INC. 2 5.94% $15,092
    NBH Bank 2 6.69% $3,307
    Northpointe Bank 2 6.13% $17,789
    TruHome Solutions, LLC 2 6.38% $6,775
    Waterstone Mortgage Corporation 2 6.00% $30,127
    ROGUE 1 7.00% $5,129
    RELIANCE FIRST CAPITAL, LLC 1 6.25% $23,867
    PREMIER LENDING, INC. 1 6.25% $26,231
    Advisors Mortgage Group, L.L.C. 1 6.50% $24,630
    NuVision Federal Credit Union 1 6.50% $7,278
    Northwest Bank 1 6.00% $9,598
    Service Federal Credit Union 1 6.38% $9,306
    MONARCH FUNDING CORP. 1 5.63% $25,278
    MLB RESIDENTIAL LENDING, LLC 1 6.38% $24,984
    SIRVA MORTGAGE, INC. 1 7.00% $700
    MID AMERICA MORTGAGE, INC. 1 6.63% $34,515
    STARBOARD FINANCIAL MANAGEMENT, LLC 1 5.63% $9,074
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 7.25% $10,750
    Stride Bank 1 6.13% $14,118
    Strong Home Mortgage, LLC 1 6.25% $3,324
    LOANLEADERS OF AMERICA, INC. 1 5.25% $22,722
    KINECTA 1 6.63% $11,980
    Summit Mortgage Corporation 1 6.75% $12,020
    HOMESTEAD FUNDING CORP. 1 5.49% $5,505
    Granite Community Bank 1 5.63% $2,798
    Goldwater Bank, N.A. 1 6.38% $13,135
    GEO-CORP, INC. 1 6.88% $23,050
    First National Bank Texas 1 6.63% $5,174
    First Federal Bank, A FSB 1 5.63% $6,695
    First-Citizens Bank & Trust Company 1 5.63% $6,026
    First Bank 1 5.99% $8,402
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 5.38% $34,552
    Fidelity Bank 1 6.63% $21,883
    TOTAL MORTGAGE SERVICES, LLC 1 5.88% $20,916
    CONTOUR MORTGAGE CORPORATION 1 5.25% $4,980
    COMPASS MORTGAGE, INC. 1 6.75% $18,270
    Alaska USA Federal Credit Union 1 5.38% $12,685
    Truist 1 6.25% $25,518
    COMMUNITYAMERICA 1 6.63% $3,430
    COASTHILLS 1 6.13% $4,669
    Civista Bank 1 6.25% $13,623
    Capital Bank 1 5.25% $7,328
    BNB FINANCIAL INC. 1 6.25% $8,186
    BLACK HILLS FEDERAL CREDIT UNION 1 6.00% $8,788
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.25% $3,848
    BECKAM FUNDING CORP. 1 7.75% $24,429
    VENTURA COUNTY 1 6.00% $16,788
    Bank of England 1 6.13% $14,029
    ATLANTA POSTAL 1 5.63% $6,529
    Arvest Bank 1 5.38% $7,587
    VISION ONE MORTGAGE, INC. 1 6.50% $4,416
    American Mortgage Bank, LLC 1 6.25% $22,091
    AMERICAN INTERNET MORTGAGE, INC. 1 5.63% $28,187
    Zions Bank 1 6.50% $3,477
    ALLIANT CREDIT UNION 1 5.75% $20,593
    RESIDENTIAL MORTGAGE, LLC 1 6.13% $6,557
    RESIDENTIAL BANCORP 1 6.75% $1,858

    The top California VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 5,377 VA loans originated. Their average total fees are $10,080, which is $944 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee California VA lenders (with over 10 loans originated) are INFINITY EQUITY GROUP, INC. ($5,296), FBC MORTGAGE, LLC ($5,609), HOMEAMERICAN MORTGAGE CORPORATION ($5,939), HighTechLending Inc ($6,161) and PLANET HOME LENDING, LLC ($6,202).

    The lowest rate California VA lenders (with over 10 loans originated) are K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.16%), HOMEAMERICAN MORTGAGE CORPORATION (5.23%), INSPIRE HOME LOANS INC. (5.25%), DHI MORTGAGE COMPANY, LTD. (5.28%) and EAGLE HOME MORTGAGE, LLC (5.46%).

    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.