Florida VA Loan Rates, Closing Costs & Stats

Florida

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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.

    Florida VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Florida averaged 6.32% for the week of 2023-05-26, compared to the national average (all VA variants) of 6.408% for the same period.

    Florida's average VA mortgage closing costs are $6,679.

    The average rate for the prior week (2023-05-19) was 5.94% and one month ago for the week of 2023-04-21, the average rate was 6.16%.

    The average rate one year ago was 5.13%.

    For refis of the same type during the week of 2023-05-26, the average rate was 5.27%.

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

    Florida 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 Florida level.

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Mortgage Research Center, LLC 5,609 4.93% $9,545
    UNITED WHOLESALE MORTGAGE, LLC 4,846 4.33% $10,419
    QUICKEN LOANS, LLC 3,693 4.03% $12,011
    NAVY FEDERAL CREDIT UNION 2,496 3.83% $8,066
    FREEDOM MORTGAGE CORPORATION 2,352 4.17% $12,170
    DHI MORTGAGE COMPANY, LTD. 2,274 4.22% $8,260
    LOANDEPOT.COM, LLC 1,580 4.13% $11,125
    PENNYMAC LOAN SERVICES, LLC 1,337 3.49% $10,936
    NEW DAY FINANCIAL, LLC 1,198 4.82% $12,847
    EAGLE HOME MORTGAGE, LLC 1,161 4.64% $9,164
    USAA Federal Savings Bank 1,052 4.32% $9,274
    CROSSCOUNTRY MORTGAGE, LLC 925 4.94% $12,002
    CALIBER HOME LOANS, INC. 873 4.47% $11,411
    BROKER SOLUTIONS, INC. 828 4.67% $11,017
    MOVEMENT MORTGAGE, LLC 713 4.91% $9,886
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 661 4.90% $10,018
    HOME POINT FINANCIAL CORPORATION 591 4.18% $11,130
    Mr. Cooper ( Nationstar Mortgage ) 507 4.45% $10,032
    THE MORTGAGE FIRM, INC. 468 5.01% $9,693
    CARDINAL FINANCIAL 452 4.79% $12,404
    HOMEBRIDGE FINANCIAL SERVICES, INC. 437 4.43% $11,687
    Flagstar Bank, FSB 428 4.40% $11,516
    PENTAGON FEDERAL CREDIT UNION 421 3.48% $7,490
    GUARANTEED RATE, INC. 417 4.48% $9,880
    The Federal Savings Bank 394 4.55% $17,566
    FBC MORTGAGE, LLC 376 4.74% $10,401
    UNIVERSITY LENDING GROUP, LLC 369 4.40% $10,105
    Bank of England 369 4.74% $12,702
    PULTE MORTGAGE LLC 352 4.54% $7,779
    NEWREZ LLC 328 4.29% $10,481
    AMERISAVE MORTGAGE CORPORATION 316 4.32% $13,474
    LAKEVIEW LOAN SERVICING, LLC 302 3.42% $5,950
    KBHS HOME LOANS, LLC 294 4.52% $13,924
    PRIMELENDING, A PLAINSCAPITAL COMPANY 290 4.76% $9,754
    EVERETT FINANCIAL, INC. 280 4.82% $8,764
    Equity Prime Mortgage LLC 250 5.25% $10,778
    Carrington Mortgage Services, LLC 248 4.51% $10,215
    Paramount Residential Mortgage Group, Inc. 245 4.93% $13,110
    CLEARPATH LENDING 242 3.65% $12,573
    VILLAGE CAPITAL MORTGAGE 236 3.90% $9,634
    CMG MORTGAGE, INC. 231 4.61% $12,343
    AMERIFIRST FINANCIAL CORPORATION 230 4.98% $11,519
    JET HOMELOANS, LLC 222 4.99% $12,386
    MORTGAGE SOLUTIONS OF COLORADO, LLC 220 5.48% $11,144
    Wells Fargo Bank 220 3.96% $7,532
    Barrington Bank & Trust Company, N.A. 209 4.65% $9,684
    HOMEAMERICAN MORTGAGE CORPORATION 206 4.17% $5,598
    Mortgage Lenders Investment Trading Corporation 205 4.20% $9,161
    GUARANTEED RATE AFFINITY, LLC 204 4.69% $9,344
    PLANET HOME LENDING, LLC 198 4.09% $8,928
    LOANPAL, LLC 192 3.71% $13,528
    Mid-Continent Funding, Inc. 181 4.63% $10,522
    South Pacific Financial Corporation 173 4.68% $12,597
    First Federal Bank 167 4.86% $10,281
    MUTUAL OF OMAHA MORTGAGE, INC. 166 4.29% $10,476
    Waterstone Mortgage Corporation 165 4.99% $11,254
    DYBN FINANCIAL CORP. 150 4.82% $11,321
    AMERICAN PACIFIC MORTGAGE CORPORATION 149 4.87% $11,908
    NVR Mortgage Finance, Inc. 146 4.01% $8,474
    Ameris Bank 138 4.67% $11,012
    MATTAMY HOME FUNDING, LLC 138 4.52% $12,349
    Nations Lending Corporation 127 4.82% $11,964
    M/I FINANCIAL, LLC 126 4.22% $12,428
    Lakeview Community Capital, LLC 125 3.44% $6,116
    UNION HOME MORTGAGE CORP. 123 4.16% $9,512
    Plains Commerce Bank 120 4.54% $10,874
    North American Savings Bank, F.S.B. 116 3.94% $9,724
    NFM, INC. 115 5.29% $12,795
    Truist 112 4.09% $7,575
    HOMESIDE FINANCIAL, LLC 112 4.74% $12,195
    NBKC BANK 112 4.06% $10,002
    HOME SOLUTION LENDERS INC. 106 4.34% $7,339
    MORTGAGE ONE OF THE SOUTH, INC. 103 4.05% $9,414
    CHURCHILL MORTGAGE CORPORATION 98 4.74% $11,413
    Citizens Bank 98 4.62% $10,744
    VAN DYK MORTGAGE CORPORATION 98 4.87% $10,632
    NETWORK CAPITAL FUNDING CORPORATION 96 3.91% $10,723
    CERTAINTY HOME LOANS, LLC 93 4.10% $9,505
    ACADEMY MORTGAGE CORPORATION 93 5.08% $11,527
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 88 5.16% $9,898
    AMERICAN FINANCING CORPORATION 88 3.79% $11,808
    EMBRACE HOME LOANS, INC. 87 4.45% $13,188
    Armed Forces Bank 87 4.22% $12,167
    GUILD MORTGAGE COMPANY 86 4.90% $12,018
    Regions Bank 85 4.36% $12,831
    FINANCE OF AMERICA MORTGAGE LLC 85 4.34% $10,548
    Strong Home Mortgage, LLC 84 3.64% $8,637
    SUCCESS MORTGAGE PARTNERS, INC. 84 4.92% $12,768
    U.S. Bank 83 4.32% $10,748
    PRIMARY RESIDENTIAL MORTGAGE, INC. 79 4.96% $10,882
    TOWNE MORTGAGE COMPANY 75 3.52% $11,450
    South State Bank 74 4.34% $11,062
    SUN WEST MORTGAGE COMPANY, INC. 72 4.25% $11,041
    FIRST COMMUNITY MORTGAGE, INC. 72 4.39% $9,041
    VYSTAR 71 4.50% $4,857
    Centennial Bank 68 4.55% $11,459
    Prosperity Home Mortgage, LLC 68 4.51% $9,717
    HAMILTON HOME LOANS, INC. 68 4.44% $12,274
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 67 4.79% $13,090
    VANDERBILT MORTGAGE AND FINANCE, INC. 66 5.00% $4,469
    DAS Acquisition Company, LLC 65 5.40% $11,549
    Low VA Rates, LLC 64 4.25% $14,338
    PLAZA HOME MORTGAGE, INC. 61 4.73% $12,115
    Century Mortgage Company DBA Century Lending Company 58 4.69% $9,563
    Sierra Pacific Mortgage Company, Inc. 58 4.74% $11,331
    The First, A National Banking Association 58 3.82% $10,855
    University Bank 56 5.98% $8,633
    BAY EQUITY LLC 55 5.41% $10,184
    STOCKTON MORTGAGE CORPORATION 54 4.48% $10,448
    Trustmark National Bank 54 4.39% $8,699
    Magnolia Bank 53 4.36% $13,887
    CONTOUR MORTGAGE CORPORATION 52 4.77% $14,264
    GERSHMAN INVESTMENT CORP. 50 5.06% $13,764
    The Home Loan Expert LLC 50 4.65% $9,406
    FIDELITY BANK 49 4.54% $8,918
    First Horizon Bank 49 4.72% $12,714
    Progress Bank and Trust 49 4.43% $12,386
    INSPIRE HOME LOANS INC. 48 5.10% $8,030
    NATIONS DIRECT MORTGAGE, LLC 48 4.72% $10,065
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 47 4.49% $12,613
    JPMorgan Chase Bank 47 4.29% $9,591
    Hometown Lenders, Inc. 46 4.36% $11,281
    Wyndham Capital Mortgage, Inc. 46 3.59% $6,919
    Northpointe Bank 45 4.22% $11,304
    AMERICAN FINANCIAL RESOURCES, INC. 41 5.38% $8,685
    BNC National Bank 41 4.00% $8,179
    RESOURCE FINANCIAL SERVICES, INC. 41 5.06% $11,647
    AMERICAN MORTGAGE SERVICE COMPANY 40 4.34% $11,213
    CBM Mortgage, Inc. 40 4.90% $12,674
    Gateway First Bank 39 5.04% $8,790
    NORTHPOINT MORTGAGE, INC. 39 4.96% $8,126
    EMM LOANS LLC 39 4.88% $13,568
    ABSOLUTE HOME MORTGAGE CORPORATION 38 5.25% $15,523
    Hancock Whitney Bank 38 4.07% $9,921
    MILEND, INC. 37 5.16% $15,270
    WATSON MORTGAGE CORP. 37 4.61% $11,646
    SOVEREIGN LENDING GROUP INCORPORATED 36 4.15% $15,217
    GENEVA FINANCIAL, LLC 36 5.02% $13,027
    METROPLEX MORTGAGE SERVICES, INC. 36 4.90% $5,746
    RELIANCE FIRST CAPITAL, LLC 35 4.97% $12,866
    SWBC MORTGAGE CORPORATION 35 4.98% $9,769
    FIRST EQUITY MORTGAGE INCORPORATED 35 4.04% $9,220
    The Central Trust Bank 34 3.89% $11,415
    Texana Bank 34 3.99% $12,327
    LADERA LENDING, INC. 33 4.32% $12,813
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 33 5.06% $11,191
    TJC Mortgage, Inc. 33 4.46% $13,070
    OPEN MORTGAGE, LLC 32 4.79% $9,720
    Lend Smart Mortgage, LLC 32 5.07% $10,265
    LAND HOME FINANCIAL SERVICES, INC. 32 5.25% $9,724
    BAYSHORE MORTGAGE FUNDING, LLC 32 4.70% $12,216
    First Guaranty Mortgage Corporation 32 3.57% $10,274
    ACOPIA, LLC 32 5.27% $9,727
    GSF Mortgage Corporation 32 5.24% $10,982
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 31 5.15% $13,238
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 30 5.00% $13,776
    SECURITYNATIONAL MORTGAGE COMPANY 30 5.10% $14,383
    OVM FINANCIAL, INC. 29 4.59% $10,620
    HOMESTAR FINANCIAL CORPORATION 29 4.63% $10,914
    VERITAS FUNDING, LLC 29 4.58% $19,870
    ANGEL OAK HOME LOANS LLC 28 4.55% $9,281
    LEADERONE FINANCIAL CORPORATION 28 4.48% $11,343
    Ixonia Bank 27 4.99% $12,568
    FAIRWAY FUNDING GROUP, INC. 27 4.23% $11,837
    PARK SQUARE HOME MORTGAGE, LLC 27 4.69% $8,001
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 27 4.81% $5,646
    CRESCENT MORTGAGE COMPANY 26 4.46% $4,593
    SOUTHWEST STAGE FUNDING, LLC 26 4.71% $3,010
    First Home Bank 26 4.37% $9,801
    PREMIA MORTGAGE, LLC 26 3.94% $8,775
    Christensen Financial, Inc. 25 4.41% $9,955
    HOMEOWNERS FINANCIAL GROUP USA, LLC 25 5.01% $12,777
    ENVOY MORTGAGE, LTD 25 5.02% $6,838
    Tyndall Federal Credit Union 25 4.75% $8,214
    Commerce Home Mortgage, Inc. 25 4.58% $14,145
    FIDELITY FUNDING MORTGAGE CORP. 25 4.73% $10,154
    VELOCIO MORTGAGE L.L.C. 24 4.34% $8,482
    NATIONS RELIABLE LENDING, LLC 24 4.28% $13,311
    Synovus Bank 23 4.79% $7,568
    Network Funding, L.P. 23 5.04% $13,323
    RESIDENTIAL BANCORP. 22 4.31% $12,315
    Goldwater Bank, N.A. 22 5.64% $12,983
    SOUTHPOINT FINANCIAL SERVICES, INC. 22 4.61% $9,437
    ZILLOW HOME LOANS, LLC 21 4.24% $9,157
    AMCAP MORTGAGE, LTD. 21 5.34% $14,786
    First Mortgage Solutions, LLC 21 2.96% $10,365
    KELLER MORTGAGE, LLC 21 4.35% $11,954
    MICHIGAN MUTUAL, INC. 21 5.00% $9,563
    MORTGAGE 1 INCORPORATED 21 4.88% $9,166
    PNC Bank 21 4.04% $5,705
    NATIONWIDE MORTGAGE BANKERS, INC. 20 5.29% $21,524
    United Fidelity Funding Corp. 20 4.71% $14,998
    TBI MORTGAGE COMPANY 20 4.22% $12,701
    Capital City Home Loans, LLC 20 4.42% $11,949
    GMFS LLC 20 4.53% $8,983
    First Heritage Mortgage, LLC 19 5.22% $12,195
    Credence Funding Corporation 19 3.07% $5,101
    CAPITAL PARTNERS MORTGAGE, LLC 18 4.78% $10,858
    Paramount Bank 18 4.63% $10,751
    DRAPER AND KRAMER MORTGAGE CORP. 18 4.40% $7,670
    M&T Bank 18 3.76% $6,079
    SHELTER MORTGAGE COMPANY, L.L.C. 18 4.38% $9,360
    Bank of America 17 4.37% $13,578
    EQUITY RESOURCES, INC. 17 4.32% $8,322
    AMERICAN BANCSHARES MORTGAGE, LLC 17 4.51% $16,295
    Renasant Bank 17 4.49% $9,864
    INLANTA MORTGAGE, INC. 17 4.24% $9,482
    MORTGAGE EQUITY PARTNERS LLC 17 4.90% $11,605
    Fifth Third Bank 17 4.76% $6,768
    Summit Mortgage Corporation 16 4.98% $11,425
    Amerifirst Financial, Inc. 16 5.03% $12,308
    DIRECT MORTGAGE LOANS, LLC 16 5.30% $15,399
    NP, Inc. 16 4.47% $9,910
    HOMESPIRE MORTGAGE CORPORATION 15 5.19% $8,583
    MID AMERICA MORTGAGE, INC. 15 4.22% $10,384
    DSLD MORTGAGE, LLC 15 4.72% $9,342
    CALCON MUTUAL MORTGAGE LLC 15 4.63% $14,286
    RADIUS FINANCIAL GROUP INC. 15 4.51% $9,350
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 15 4.51% $8,846
    HANCOCK MORTGAGE PARTNERS, LLC 15 5.07% $11,944
    SOUTHERN TRUST MORTGAGE, LLC 14 4.26% $16,544
    BAY CAPITAL MORTGAGE CORPORATION 14 4.54% $15,315
    Wolfe Financial, Inc 14 5.35% $12,679
    FIRST EQUITY MORTGAGE BANKERS, INC. 14 4.94% $15,335
    COMPASS MORTGAGE, INC. 13 4.88% $10,203
    FirstBank 13 3.39% $11,488
    HOMETRUST MORTGAGE COMPANY 13 5.25% $7,938
    T2 FINANCIAL LLC 13 4.59% $25,774
    Bell Bank 13 4.64% $8,388
    MCLEAN MORTGAGE CORPORATION 13 3.81% $15,723
    NEAL COMMUNITIES FUNDING, LLC 13 4.94% $12,803
    INTERCOASTAL MORTGAGE COMPANY 12 4.64% $14,267
    Total Media Management, LLC 12 4.43% $12,241
    Community First National Bank 12 4.53% $9,469
    Towne Bank 12 4.36% $12,489
    CityWorth Mortgage LLC 12 3.93% $16,604
    TD Bank 12 3.95% $6,164
    Advisors Mortgage Group, L.L.C. 12 5.24% $10,113
    ROYAL UNITED MORTGAGE LLC 12 3.91% $22,060
    Meridian Bank Corporation 12 3.95% $13,411
    Alcova Mortgage LLC 11 4.95% $7,328
    MY MORTGAGE, INC. 11 4.81% $12,486
    Austin Capital Bank SSB 11 4.31% $17,712
    CHERRY CREEK MORTGAGE, LLC 11 4.58% $5,905
    UNITED MORTGAGE CORP. 11 4.52% $17,148
    Hometown Equity Mortgage, LLC 10 4.21% $9,885
    Atlantic Coast Mortgage, LLC 10 4.71% $11,286
    TOP FLITE FINANCIAL, INC. 10 4.78% $21,966
    TOTAL MORTGAGE SERVICES, LLC 10 5.09% $11,435
    Town Square Mortgage & Investments, Inc. 10 4.79% $14,205
    FIRST HOME MORTGAGE CORPORATION 10 4.25% $10,012
    GUARANTY HOME MORTGAGE CORPORATION 10 5.03% $9,844
    AMERICAN ADVISORS GROUP 10 3.59% $9,263
    ALLIED MORTGAGE GROUP, INC. 10 4.95% $12,542
    CANOPY MORTGAGE, LLC 10 3.70% $9,424
    Capital Bank 10 4.14% $6,772
    PREMIER MORTGAGE RESOURCES, L.L.C. 10 5.50% $11,692
    GREAT WESTERN FINANCIAL SERVICES, INC. 10 5.15% $10,533
    First Savings Bank 9 4.68% $11,539
    DELMAR FINANCIAL COMPANY 9 5.14% $10,118
    HomePromise Corporation 9 5.53% $17,961
    Prime Choice Funding Inc. 9 2.79% $8,592
    AmRes Corporation 9 4.14% $10,450
    POLARIS HOME FUNDING CORP. 9 4.57% $13,069
    FOUNDATION MORTGAGE CORPORATION 9 4.05% $14,806
    Sunflower Bank 9 4.10% $13,265
    FLAT BRANCH MORTGAGE, INC. 9 3.89% $12,255
    Shea Mortgage Inc. 9 4.78% $7,559
    S1L, Inc. 9 4.86% $15,313
    West Town Bank & Trust 9 4.65% $14,087
    NBH Bank 8 4.08% $14,694
    AXIA FINANCIAL, LLC 8 3.78% $15,701
    Florida Capital Bank 8 5.06% $15,013
    GoPrime Mortgage, Inc. 8 4.39% $11,761
    Loan Simple, Inc. 8 4.42% $8,640
    Eagle Bank and Trust Company 8 5.14% $7,711
    MORTGAGE FINANCIAL GROUP, INC. 8 4.78% $6,627
    1ST FINANCIAL, INC. 8 4.51% $12,325
    LEGEND LENDING CORPORATION 8 4.89% $27,520
    THRIVE MORTGAGE, LLC 8 5.66% $9,295
    Evolve Bank & Trust 7 4.77% $14,567
    First Option Mortgage, LLC 7 4.77% $10,310
    FIRST CENTENNIAL MORTGAGE CORPORATION 7 5.02% $10,899
    V.I.P. MORTGAGE, INC. 7 4.98% $8,097
    Arvest Bank 7 3.91% $8,399
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 7 4.61% $15,333
    PREFERRED LENDING SERVICES, LLC 7 5.29% $8,828
    TIDEWATER MORTGAGE SERVICES, INC. 7 4.52% $12,936
    Seacoast National Bank 7 4.30% $9,646
    PHH Mortgage Corporation 7 4.63% $11,992
    1ST SIGNATURE LENDING, LLC 7 4.54% $7,182
    Preston Home Loans Inc 7 5.55% $12,347
    RESIDENTIAL HOME FUNDING CORP. 7 4.14% $15,186
    HOMESTEAD FUNDING CORP. 6 4.04% $12,499
    George Mason Mortgage, LLC 6 4.02% $9,992
    First Federal Bank of Kansas City 6 4.52% $12,712
    HUNT MORTGAGE CORPORATION 6 3.98% $4,471
    INTELLILOAN, INC. 6 4.85% $19,919
    INTERCAP LENDING INC. 6 4.33% $6,834
    FEDERATED MORTGAGE CORP. 6 4.10% $10,114
    KEESLER 6 4.33% $5,947
    CORNERSTONE HOME LENDING, INC. 6 5.08% $5,107
    NEW FED MORTGAGE, CORP. 6 4.98% $8,793
    Colten Mortgage, LLC 6 4.85% $11,392
    CITY FIRST MORTGAGE SERVICES, L.L.C. 6 5.42% $10,508
    OCMBC, INC. 6 4.50% $9,594
    PANORAMA MORTGAGE GROUP, LLC 6 5.29% $13,609
    PROPER RATE, LLC 6 3.94% $5,977
    ROSS MORTGAGE CORPORATION 6 4.75% $7,488
    BancorpSouth Bank 6 4.40% $5,300
    The Huntington National Bank 6 4.92% $7,436
    US MORTGAGE CORPORATION 6 4.96% $14,354
    Service Federal Credit Union 5 4.33% $10,021
    SPACE COAST Credit Union 5 3.88% $9,382
    Mutual Federal Bank 5 4.65% $15,754
    NJ LENDERS CORP. 5 4.28% $9,168
    American Mortgage & Equity Consultants, Inc. 5 4.40% $7,113
    East Coast Capital Corp. 5 5.12% $10,591
    FIRST MORTGAGE COMPANY, INC. 5 4.55% $9,355
    LIBERTY HOME MORTGAGE CORPORATION 5 4.90% $13,379
    CHAMPIONS MORTGAGE LLC 5 4.93% $11,542
    Residential Mortgage Solutions, Inc. 5 5.30% $12,650
    COMMUNITY CREDIT UNION OF FLORIDA 5 4.50% $5,914
    FIRST FLORIDA Credit Union 5 4.78% $12,164
    SOUTHWEST FUNDING, LP 4 4.97% $21,416
    Raymond James Bank 4 4.75% $8,397
    Financial Freedom Mortgage, LLC 4 4.69% $7,013
    SUMMIT FUNDING, INC. 4 5.75% $5,490
    NORTHERN MORTGAGE SERVICES, LLC 4 4.34% $8,637
    LOANFLIGHT LENDING, LLC 4 3.44% $8,300
    Presidential Bank, FSB 4 3.94% $11,215
    LAKE MICHIGAN CREDIT UNION 4 4.38% $11,943
    HARVESTERS FEDERAL CREDIT UNION 4 4.56% $5,957
    NTFN, INC. 4 5.72% $6,910
    Cornerstone First Mortgage, Inc 4 5.41% $20,289
    BANKSOUTH MORTGAGE COMPANY, LLC 4 4.66% $9,315
    THE EQUITABLE MORTGAGE CORPORATION 4 5.03% $15,545
    NOVA FINANCIAL & INVESTMENT CORPORATION 4 5.28% $9,323
    Peoples Bank 4 5.13% $16,062
    First Internet Bank of Indiana 4 3.06% $4,993
    Premium Mortgage Corporation 4 4.66% $10,377
    Watermark Capital, Inc. 3 2.29% $9,670
    LOANLEADERS OF AMERICA, INC. 3 4.67% $12,187
    NexBank 3 3.42% $7,782
    CASTLE & COOKE MORTGAGE, LLC 3 4.25% $9,392
    Core Bank 3 4.79% $12,916
    BANKERS MORTGAGE LENDING, INC. 3 5.04% $9,413
    Encompass Lending Group, LP 3 5.25% $13,913
    Midwest BankCentre 3 3.46% $10,126
    FIRST ALLIANCE HOME MORTGAGE, LLC 3 3.46% $6,875
    DIRECT MORTGAGE, CORP. 3 5.21% $9,192
    ASPIRE FINANCIAL, INC. 3 4.29% $9,894
    ARC HOME LLC 3 4.00% $11,563
    Northwest Federal Credit Union 3 5.04% $3,664
    NORWICH COMMERCIAL GROUP, INC. 3 4.17% $12,267
    THE MORTGAGE LINK, INC. 3 5.13% $5,357
    HighTechLending Inc 3 4.25% $25,467
    OAKTREE FUNDING CORP. 3 4.83% $11,446
    Blue Ridge Bank 3 4.21% $13,645
    AmeriHome Mortgage Company, LLC 3 4.79% $5,428
    American Security Mortgage Corp. 3 4.42% $11,558
    AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 3 4.25% $14,989
    ON Q FINANCIAL, INC. 3 5.29% $6,152
    Gulf Coast Bank and Trust Company 3 4.04% $9,812
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 3 5.50% $15,943
    Neighborhood Loans, Inc. 3 4.92% $24,040
    UNIVERSAL LENDING CORPORATION 3 4.67% $8,300
    Republic Bank & Trust Company 3 4.79% $19,947
    Willamette Valley Bank 3 4.71% $23,583
    MORIA DEVELOPMENT, INC. 3 5.33% $10,091
    MLB RESIDENTIAL LENDING, LLC 3 4.08% $6,706
    MORTGAGE INVESTORS GROUP, INC. 3 4.71% $5,834
    SeaTrust Mortgage Company 3 5.58% $8,930
    GVC MORTGAGE, INC. 2 5.56% $11,587
    Midwest Mortgage Associates Corporation 2 4.81% $10,522
    Acre Mortgage and Financial Inc 2 5.00% $9,326
    Old National Bank 2 3.44% $8,785
    WRIGHT-PATT CREDIT UNION, INC. 2 3.75% $5,293
    DATA MORTGAGE, INC. 2 6.13% $16,791
    J. VIRGIL, INC. 2 6.13% $12,368
    JAMES B. NUTTER & COMPANY 2 5.44% $4,454
    Shamrock Home Loans, Inc. 2 4.63% $8,379
    Stifel Bank and Trust 2 2.63% $6,203
    MORTGAGEONE, INC. 2 4.81% $10,966
    BECKAM FUNDING CORP. 2 4.56% $11,464
    MEMBER FIRST MORTGAGE, LLC 2 5.50% $20,032
    BANKING MORTGAGE SERVICES, B.M.S. CORP. 2 5.75% $11,905
    BANK OF LITTLE ROCK MORTGAGE CORPORATION 2 3.25% $10,906
    SIRVA MORTGAGE, INC. 2 4.06% $8,180
    First United Bank and Trust Company 2 4.88% $14,682
    RESIDENTIAL HOME MORTGAGE CORPORATION 2 3.63% $17,298
    PIKE CREEK MORTGAGE SERVICES, INC. 2 3.50% $15,996
    Arbor Bank 2 4.88% $2,518
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 3.00% $11,066
    Vellum Mortgage, Inc. 2 5.63% $19,295
    COLUMBUS CAPITAL LENDING, LLC 2 5.13% $22,188
    First Bank 2 4.56% $3,387
    The Union Bank Company 2 4.00% $5,800
    COMMUNITY MORTGAGE CORPORATION 2 3.31% $4,046
    IMPAC MORTGAGE CORP. 2 3.75% $13,528
    FIDELITY DIRECT MORTGAGE, LLC 2 5.31% $12,638
    West Gate Bank 2 4.81% $6,812
    Academy Bank 2 3.88% $7,650
    ENDEAVOR CAPITAL, LLC. 2 5.00% $5,700
    Great Plains National Bank 2 5.69% $7,976
    CIS Financial Services, Inc. 2 5.75% $10,877
    Atlantic Union Bank 2 3.31% $6,642
    LENOX FINANCIAL MORTGAGE CORPORATION 2 3.88% $7,018
    OCEANSIDE MORTGAGE COMPANY 2 4.81% $2,222
    First State Bank of St. Charles, Missouri 2 5.44% $6,762
    RAPID MORTGAGE COMPANY 2 4.94% $20,746
    Semper Home Loans, Inc. 2 2.75% $5,579
    MORTGAGE ACCESS CORP. 1 7.63% $6,251
    MLD MORTGAGE INC. 1 3.50% $3,547
    DG PINNACLE FUNDING LLC 1 6.13% $6,199
    Mortgage Network, Inc. 1 5.13% $20,340
    MJW Financial LLC 1 5.25% $2,249
    GEO-CORP, INC. 1 2.88% $5,279
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 5.13% $3,137
    COUNTRYPLACE MORTGAGE, LTD. 1 5.88% $12,846
    DIRECT LENDERS, LLC 1 7.13% $2,750
    MYCUMORTGAGE, LLC 1 6.13% $13,205
    NATION ONE MORTGAGE CORPORATION 1 5.25% $19,393
    Congressional Bank 1 4.75% $6,701
    Midwest Community Bank 1 3.50% $16,405
    FIRST SAVINGS MORTGAGE CORPORATION 1 5.75% $14,200
    WesBanco Bank, Inc. 1 3.50% $4,935
    NEXERA HOLDING LLC 1 3.50% $12,899
    Colony Bank 1 3.00% $8,454
    Colonial Savings, F.A. 1 5.38% $4,232
    MEGASTAR FINANCIAL CORP. 1 4.13% $19,714
    CITYWIDE HOME LOANS, LLC 1 3.00% $20,340
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 5.38% $18,634
    ONE NEVADA CREDIT UNION 1 3.75% $7,110
    City Bank 1 5.38% $10,786
    Citibank 1 3.25% $4,462
    Pacific Lending LLC 1 3.25% $3,704
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 5.63% $4,269
    MDE Home Loans, LLC 1 4.75% $40,889
    CHARTER WEST BANK 1 5.25% $17,641
    PILGRIM MORTGAGE LLC 1 3.25% $15,378
    CapStar Bank 1 4.50% $10,905
    PLUS RELOCATION MORTGAGE, LLC 1 4.63% $9,617
    121 FINANCIAL 1 3.13% $3,669
    Lincoln Savings Bank 1 3.25% $17,554
    PREMIER LENDING, INC. 1 4.00% $5,118
    Legends Bank 1 6.13% $9,501
    Enterprise Bank & Trust 1 4.00% $34,918
    Envision Bank 1 3.25% $3,948
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 3.25% $7,180
    WILLOW BEND MORTGAGE COMPANY, LLC 1 5.75% $12,923
    Prosperity Bank 1 4.88% $13,305
    BRIGHTSTAR 1 4.13% $5,565
    BOKF 1 3.88% $3,477
    Queensborough National Bank & Trust Company 1 4.50% $3,438
    RAILROAD & INDUSTRIAL 1 6.63% $10,612
    RANLIFE, INC. 1 5.00% $9,655
    Red River Bank 1 3.75% $13,270
    BETTER MORTGAGE CORPORATION 1 3.25% $3,387
    BEST CAPITAL FUNDING 1 3.25% $12,080
    EVANSVILLE TEACHERS 1 5.25% $16,087
    Key Mortgage Services, Inc. 1 5.88% $4,456
    KeyBank 1 2.88% $8,917
    BELEM SERVICING LLC 1 5.99% $13,162
    Ross Mortgage Company, Inc. 1 5.75% $18,827
    F&M Bank 1 3.88% $39,750
    Exchange Bank 1 5.00% $4,447
    RUOFF MORTGAGE COMPANY, INC. 1 5.13% $24,751
    JMAC LENDING, INC. 1 5.13% $4,262
    JET DIRECT FUNDING CORP 1 5.75% $9,248
    JERSEY MORTGAGE COMPANY OF NEW JERSEY, INC. 1 4.75% $8,210
    Shore United Bank 1 2.75% $6,450
    Simmons Bank 1 2.75% $3,682
    SIWELL, INC. 1 2.38% $2,849
    INTERSTATE HOME LOAN CENTER, INC. 1 4.25% $10,103
    BankPlus 1 5.13% $5,889
    INTERLINC MORTGAGE SERVICES, LLC 1 3.25% $11,717
    STAUNTON FINANCIAL, INC. 1 4.25% $15,500
    STEARNS LENDING, LLC 1 2.99% $6,914
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 2.88% $12,403
    Stride Bank 1 4.75% $26,266
    Integrity Home Mortgage Corp 1 5.38% $24,780
    INSIGHT 1 5.13% $6,987
    SUMMIT MORTGAGE CORPORATION 1 5.75% $18,997
    Independent Bank 1 5.75% $3,301
    Aurora Financial, LLC 1 4.25% $13,169
    INB 1 2.75% $8,473
    iCore Lending, Inc. 1 4.63% $7,810
    Assurance Financial Group, L.L.C. 1 2.75% $10,696
    Franklin Loan Corporation 1 5.63% $3,182
    APEX HOME LOANS, INC. 1 3.25% $3,309
    THE MORTGAGE WAREHOUSE,LLC 1 5.25% $6,053
    First Dakota National Bank 1 4.25% $6,999
    First Federal Bank 1 3.63% $10,132
    First Federal Bank of the Midwest 1 5.13% $9,449
    Hawthorn Bank 1 4.88% $13,904
    HANSCOM 1 4.13% $2,756
    Towne Mortgage, LLC 1 5.13% $2,924
    Trinity Oaks Mortgage, LLC 1 4.75% $26,173
    TruHome Solutions, LLC 1 3.38% $10,134
    HALLMARK HOME MORTGAGE, LLC 1 5.13% $10,264
    UNION CAPITAL MORTGAGE CORPORATION 1 5.63% $50,430
    Union Savings Bank 1 5.00% $1,786
    United Community Bank 1 4.25% $15,572
    Gulf Winds Credit Union 1 2.50% $8,422
    UNITED SECURITY FINANCIAL CORP 1 5.38% $20,314
    AMERICAN INTERNET MORTGAGE, INC. 1 4.13% $3,159
    AMERICAN HOME LENDING USA, LLC 1 3.99% $14,958
    Univest Bank and Trust Co. 1 4.00% $22,384
    Utah Mortgage Loan Corporation 1 5.13% $21,563
    Alpha Mortgage Corporation 1 5.88% $32,104
    GREENWAY MORTGAGE FUNDING CORP. 1 5.25% $21,052
    Alerus Financial 1 3.50% $1,880
    GREENTREE MORTGAGE COMPANY, L.P. 1 3.50% $4,810
    GREENSTATE CREDIT UNION 1 5.25% $10,664
    Advance Financial Group, LLC 1 6.75% $30,309
    ML Mortgage Corp. 1 2.88% $30,951

    The top Florida VA lender as defined by loan originations is Mortgage Research Center, LLC, with 5,609 VA loans originated. Their average total fees are $9,545, which is $873 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Florida VA lenders (with over 10 loans originated) are SOUTHWEST STAGE FUNDING, LLC ($3,010), VANDERBILT MORTGAGE AND FINANCE, INC. ($4,469), CRESCENT MORTGAGE COMPANY ($4,593), VYSTAR ($4,857) and Credence Funding Corporation ($5,101).

    The lowest rate Florida VA lenders (with over 10 loans originated) are First Mortgage Solutions, LLC (2.96%), Credence Funding Corporation (3.07%), FirstBank (3.39%), LAKEVIEW LOAN SERVICING, LLC (3.42%) and Lakeview Community Capital, LLC (3.44%).

    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.