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 6.55% for the week of 2023-01-27, compared to the national average (all VA variants) of 5.952% for the same period.

    Florida's average VA mortgage closing costs are $6,016.

    The average rate for the prior week (2023-01-20) was 5.98% and one month ago for the week of 2022-12-23, the average rate was 6.75%.

    The average rate one year ago was 4.05%.

    For refis of the same type during the week of 2023-01-27, the average rate was 5.88%.

    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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
    QUICKEN LOANS, LLC 8,616 2.48% $5,355
    FREEDOM MORTGAGE CORPORATION 7,993 2.48% $3,773
    Mortgage Research Center, LLC 7,684 2.85% $7,647
    UNITED WHOLESALE MORTGAGE, LLC 4,412 2.57% $7,001
    PENNYMAC LOAN SERVICES, LLC 4,303 2.43% $5,972
    NAVY FEDERAL CREDIT UNION 3,655 2.48% $6,325
    CALIBER HOME LOANS, INC. 2,659 2.62% $6,212
    NEW DAY FINANCIAL, LLC 2,594 2.81% $8,367
    LOANDEPOT.COM, LLC 2,534 2.59% $6,138
    DHI MORTGAGE COMPANY, LTD. 2,106 2.74% $7,649
    USAA Federal Savings Bank 2,037 2.83% $5,398
    HOME POINT FINANCIAL CORPORATION 1,970 2.49% $6,589
    LAKEVIEW LOAN SERVICING, LLC 1,772 2.49% $2,674
    VILLAGE CAPITAL MORTGAGE 1,621 2.36% $3,449
    Mr. Cooper ( Nationstar Mortgage ) 1,357 2.82% $3,300
    CLEARPATH LENDING 1,285 2.31% $4,514
    CROSSCOUNTRY MORTGAGE, LLC 1,240 2.95% $8,806
    EAGLE HOME MORTGAGE, LLC 1,175 3.08% $6,735
    BROKER SOLUTIONS, INC. 1,147 2.70% $8,578
    FBC MORTGAGE, LLC 894 2.83% $6,978
    PENTAGON FEDERAL CREDIT UNION 860 2.36% $3,372
    Wells Fargo Bank 829 2.52% $5,158
    NEWREZ LLC 806 2.69% $4,791
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 780 2.84% $8,466
    The Federal Savings Bank 778 2.60% $8,530
    THE MORTGAGE FIRM, INC. 772 2.92% $7,579
    HOMEBRIDGE FINANCIAL SERVICES, INC. 751 2.74% $7,588
    MOVEMENT MORTGAGE, LLC 707 2.88% $6,740
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 682 2.94% $8,866
    GUARANTEED RATE, INC. 658 2.72% $6,906
    UNIVERSITY LENDING GROUP, LLC 651 2.82% $7,699
    AMERICAN FINANCIAL NETWORK, INC. 581 2.76% $13,265
    Lakeview Community Capital, LLC 578 2.47% $2,416
    PRIMELENDING, A PLAINSCAPITAL COMPANY 552 2.87% $7,743
    Bank of England 548 2.70% $9,616
    Carrington Mortgage Services, LLC 542 3.15% $5,648
    PLANET HOME LENDING, LLC 502 2.51% $3,529
    Barrington Bank & Trust Company, N.A. 471 2.79% $6,033
    AMERISAVE MORTGAGE CORPORATION 448 2.64% $7,457
    Low VA Rates, LLC 443 2.41% $4,280
    First Federal Bank 431 3.59% $8,418
    UNION HOME MORTGAGE CORP. 416 2.55% $7,759
    PULTE MORTGAGE LLC 407 2.88% $5,803
    Paramount Residential Mortgage Group, Inc. 367 3.03% $9,379
    Flagstar Bank, FSB 358 2.70% $8,105
    InterContinental Capital Group, Inc 353 2.41% $4,465
    First Guaranty Mortgage Corporation 351 2.50% $5,002
    MUTUAL OF OMAHA MORTGAGE, INC. 345 2.79% $6,647
    Mortgage Lenders Investment Trading Corporation 343 3.08% $6,166
    Truist 296 2.70% $6,007
    Mid-Continent Funding, Inc. 294 2.74% $7,382
    Equity Prime Mortgage LLC 288 3.38% $7,359
    AMERIFIRST FINANCIAL CORPORATION 278 3.20% $7,482
    Ameris Bank 277 2.65% $7,778
    Hometown Lenders, Inc. 273 3.03% $9,456
    PRIMARY RESIDENTIAL MORTGAGE, INC. 272 3.10% $8,240
    North American Savings Bank, F.S.B. 269 2.40% $6,668
    NBKC BANK 268 2.52% $6,949
    HAMILTON HOME LOANS, INC. 265 3.08% $7,473
    SUN WEST MORTGAGE COMPANY, INC. 261 2.53% $4,756
    JET HOMELOANS, LLC 250 3.05% $10,274
    KBHS HOME LOANS, LLC 245 3.08% $9,096
    MORTGAGE ONE OF THE SOUTH, INC. 243 2.36% $7,105
    GUARANTEED RATE AFFINITY, LLC 242 2.60% $6,832
    ACCELERATE MORTGAGE, LLC 221 2.22% $5,849
    CERTAINTY HOME LOANS, LLC 215 2.64% $8,302
    LOANPAL, LLC 215 2.50% $7,370
    South Pacific Financial Corporation 215 2.67% $10,049
    Waterstone Mortgage Corporation 210 2.92% $9,230
    CMG MORTGAGE, INC. 209 2.82% $9,270
    MATTAMY HOME FUNDING, LLC 192 2.63% $10,888
    CHURCHILL MORTGAGE CORPORATION 185 2.69% $7,723
    VAN DYK MORTGAGE CORPORATION 179 2.93% $8,069
    AMERICAN PACIFIC MORTGAGE CORPORATION 178 2.90% $8,329
    Nations Lending Corporation 178 2.90% $6,538
    Beach Community Mortgage Services, Inc. 178 2.50% $9,938
    Magnolia Bank 175 2.59% $7,665
    NP, Inc. 174 2.54% $6,361
    Citizens Bank 171 2.67% $6,708
    DYBN FINANCIAL CORP. 166 2.80% $8,398
    FINANCE OF AMERICA MORTGAGE LLC 162 2.85% $7,216
    BNC National Bank 156 2.31% $5,805
    U.S. Bank 154 2.61% $9,478
    EMBRACE HOME LOANS, INC. 151 2.61% $7,452
    Commerce Home Mortgage, Inc. 150 2.73% $7,139
    NVR Mortgage Finance, Inc. 147 2.89% $6,218
    Plains Commerce Bank 145 2.67% $7,795
    Regions Bank 144 2.82% $8,297
    M/I FINANCIAL, LLC 141 2.69% $9,293
    SUCCESS MORTGAGE PARTNERS, INC. 139 3.06% $7,304
    Trustmark National Bank 138 2.53% $7,050
    AmeriHome Mortgage Company, LLC 132 2.81% $2,448
    AMERICAN FINANCING CORPORATION 131 2.54% $5,802
    FIRST COMMUNITY MORTGAGE, INC. 125 2.71% $8,018
    HOME SOLUTION LENDERS INC. 122 2.68% $6,005
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 121 2.58% $7,020
    PLAZA HOME MORTGAGE, INC. 119 2.72% $7,913
    HOMEAMERICAN MORTGAGE CORPORATION 118 2.75% $4,747
    Wyndham Capital Mortgage, Inc. 116 2.45% $4,500
    Centennial Bank 115 2.57% $8,818
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 114 3.04% $7,718
    KELLER MORTGAGE, LLC 113 2.74% $7,812
    CBM Mortgage, Inc. 109 2.90% $10,260
    KS StateBank 106 2.37% $6,323
    NETWORK CAPITAL FUNDING CORPORATION 103 2.65% $5,469
    ACADEMY MORTGAGE CORPORATION 100 3.02% $8,363
    South State Bank 98 2.64% $9,371
    GUILD MORTGAGE COMPANY 97 2.85% $7,390
    Hancock Whitney Bank 94 2.48% $8,960
    CELEBRITY HOME LOANS, LLC 94 2.85% $7,470
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 94 2.60% $8,937
    Prosperity Home Mortgage, LLC 94 2.73% $9,535
    SOVEREIGN LENDING GROUP INCORPORATED 93 2.61% $5,770
    Progress Bank and Trust 91 2.69% $8,499
    LENDUS, LLC 91 2.86% $9,005
    FIDELITY BANK 89 2.82% $6,037
    CONTOUR MORTGAGE CORPORATION 88 2.68% $7,824
    INLANTA MORTGAGE, INC. 85 2.89% $6,855
    HOMESIDE FINANCIAL, LLC 84 2.64% $6,040
    SHELTER MORTGAGE COMPANY, L.L.C. 84 3.01% $7,009
    Christensen Financial, Inc. 83 2.86% $7,837
    STOCKTON MORTGAGE CORPORATION 83 2.72% $7,896
    EVERETT FINANCIAL, INC. 83 3.17% $7,228
    GERSHMAN INVESTMENT CORP. 82 2.94% $7,456
    Strong Home Mortgage, LLC 82 2.45% $5,919
    TJC Mortgage, Inc. 82 2.35% $5,957
    NFM, INC. 76 2.93% $11,060
    Tyndall Federal Credit Union 76 2.58% $5,375
    EMM LOANS LLC 75 2.86% $10,633
    INTERLINC MORTGAGE SERVICES, LLC 75 2.60% $8,398
    AMERICAN MORTGAGE SERVICE COMPANY 74 2.91% $8,365
    First Horizon Bank 74 2.76% $11,273
    HOMESPIRE MORTGAGE CORPORATION 69 3.04% $8,333
    STEARNS LENDING, LLC 69 2.60% $7,538
    WATSON MORTGAGE CORP. 66 2.73% $9,867
    The Home Loan Expert LLC 66 2.49% $6,523
    Prime Choice Funding Inc. 64 2.45% $3,965
    MID AMERICA MORTGAGE, INC. 64 2.91% $5,851
    SWBC MORTGAGE CORPORATION 63 3.08% $7,015
    First Home Bank 63 2.75% $9,701
    PNC Bank 63 2.75% $5,134
    CALCON MUTUAL MORTGAGE LLC 62 3.61% $6,532
    ABSOLUTE HOME MORTGAGE CORPORATION 62 2.92% $8,097
    First Mortgage Solutions, LLC 62 2.30% $6,407
    HOMEOWNERS FINANCIAL GROUP USA, LLC 61 2.84% $9,227
    NATIONS RELIABLE LENDING, LLC 59 3.04% $6,947
    MORTGAGE SOLUTIONS OF COLORADO, LLC 59 3.07% $6,227
    GENEVA FINANCIAL, LLC 57 3.01% $9,086
    LEADERONE FINANCIAL CORPORATION 57 2.84% $10,381
    OPEN MORTGAGE, LLC 57 2.74% $7,276
    DAS Acquisition Company, LLC 57 3.00% $7,054
    RESOURCE FINANCIAL SERVICES, INC. 57 2.72% $7,593
    PARK SQUARE HOME MORTGAGE, LLC 55 2.82% $4,982
    ZILLOW HOME LOANS, LLC 54 2.58% $9,121
    FAIRWAY FUNDING GROUP, INC. 53 2.59% $10,471
    Renasant Bank 53 2.89% $8,192
    Summit Mortgage Corporation 51 2.90% $7,647
    Paramount Bank 51 2.69% $6,951
    CRESCENT MORTGAGE COMPANY 51 2.75% $5,310
    MSA MORTGAGE, LLC 50 2.77% $9,790
    BAY EQUITY LLC 50 2.91% $7,100
    Credence Funding Corporation 50 2.26% $2,619
    Gateway First Bank 50 2.89% $7,826
    SECURITYNATIONAL MORTGAGE COMPANY 50 3.01% $10,269
    Northpointe Bank 49 2.73% $6,553
    Capital City Home Loans, LLC 49 2.87% $7,852
    NATIONS DIRECT MORTGAGE, LLC 49 3.15% $7,592
    TOWNE MORTGAGE COMPANY 48 2.93% $7,303
    AMCAP MORTGAGE, LTD. 46 2.94% $9,300
    MICHIGAN MUTUAL, INC. 45 3.11% $7,837
    LAND HOME FINANCIAL SERVICES, INC. 45 2.98% $8,091
    HOMESTAR FINANCIAL CORPORATION 44 2.96% $8,285
    MORTGAGE 1 INCORPORATED 43 2.79% $8,633
    METROPLEX MORTGAGE SERVICES, INC. 41 2.96% $5,092
    Meridian Bank Corporation 41 2.42% $5,585
    FIRST EQUITY MORTGAGE INCORPORATED 41 2.61% $9,401
    GMFS LLC 39 2.42% $6,044
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 39 2.91% $7,622
    HANCOCK MORTGAGE PARTNERS, LLC 38 3.13% $10,088
    Goldwater Bank, N.A. 38 3.46% $12,905
    BAYSHORE MORTGAGE FUNDING, LLC 38 2.80% $7,900
    FIDELITY FUNDING MORTGAGE CORP. 38 2.66% $8,128
    ANGEL OAK HOME LOANS LLC 38 2.73% $6,356
    MORTGAGE EQUITY PARTNERS LLC 37 2.99% $8,254
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 37 2.89% $7,103
    Capital Bank 37 2.45% $5,705
    Network Funding, L.P. 37 2.68% $10,476
    Fifth Third Bank 37 2.79% $6,722
    OVM FINANCIAL, INC. 36 3.18% $8,652
    Ixonia Bank 36 2.95% $7,292
    First Federal Bank of Kansas City 35 2.53% $6,517
    Synovus Bank 35 2.61% $8,479
    CAPITAL PARTNERS MORTGAGE, LLC 35 2.92% $10,496
    GROUP ONE MORTGAGE, INC. 35 2.68% $9,659
    TIAA, FSB 34 2.47% $6,739
    PANORAMA MORTGAGE GROUP, LLC 33 3.52% $7,746
    VYSTAR 32 2.69% $5,232
    OCMBC, INC. 32 3.02% $7,565
    PHH Mortgage Corporation 31 3.06% $4,196
    M&T Bank 31 2.65% $5,956
    EQUITY RESOURCES, INC. 29 2.66% $5,805
    First Option Mortgage, LLC 29 2.94% $6,757
    LADERA LENDING, INC. 29 2.63% $5,638
    PREFERRED LENDING SERVICES, LLC 29 3.15% $9,553
    Lend Smart Mortgage, LLC 29 2.94% $7,763
    Florida Capital Bank 28 2.49% $5,910
    ACOPIA, LLC 28 3.08% $6,984
    AMERICAN FINANCIAL RESOURCES, INC. 28 3.46% $5,231
    NORTHPOINT MORTGAGE, INC. 28 2.70% $6,082
    Wolfe Financial, Inc 28 2.91% $7,628
    BAY CAPITAL MORTGAGE CORPORATION 27 2.52% $8,333
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 27 3.19% $7,505
    MILEND, INC. 27 3.74% $7,062
    SOUTHPOINT FINANCIAL SERVICES, INC. 27 2.85% $6,953
    CityWorth Mortgage LLC 26 2.62% $4,717
    LEGEND LENDING CORPORATION 26 3.02% $9,067
    GSF Mortgage Corporation 26 3.27% $8,644
    First Savings Bank 26 2.61% $7,577
    HOMETRUST MORTGAGE COMPANY 26 2.83% $7,187
    CHAMPIONS MORTGAGE LLC 26 2.53% $5,487
    SOUTHWEST STAGE FUNDING, LLC 24 3.15% $2,757
    PREMIA MORTGAGE, LLC 24 2.41% $7,484
    Advisors Mortgage Group, L.L.C. 23 2.68% $8,822
    Austin Capital Bank SSB 23 2.77% $8,341
    SPACE COAST Credit Union 23 2.93% $7,564
    Hometown Equity Mortgage, LLC 22 2.99% $9,257
    FIRST EQUITY MORTGAGE BANKERS, INC. 22 3.08% $9,692
    SOUTHERN TRUST MORTGAGE, LLC 22 2.82% $8,736
    1ST FINANCIAL, INC. 21 2.87% $8,341
    A Mortgage Boutique, LLC 21 2.60% $6,079
    JPMorgan Chase Bank 21 2.92% $7,526
    RELIANCE FIRST CAPITAL, LLC 21 2.99% $9,941
    TBI MORTGAGE COMPANY 21 2.64% $8,944
    Community First National Bank 21 2.63% $6,864
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 20 3.07% $9,717
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 20 2.76% $7,403
    ENVOY MORTGAGE, LTD 20 3.01% $9,100
    NATIONWIDE MORTGAGE BANKERS, INC. 20 3.13% $9,934
    GUARANTY HOME MORTGAGE CORPORATION 20 2.57% $7,978
    FIRST CENTENNIAL MORTGAGE CORPORATION 19 2.58% $4,110
    AXIA FINANCIAL, LLC 19 2.88% $10,018
    United Fidelity Funding Corp. 19 2.97% $12,676
    VANDERBILT MORTGAGE AND FINANCE, INC. 19 2.99% $5,866
    Towne Bank 19 2.61% $6,495
    Presidential Bank, FSB 19 2.43% $5,098
    DIRECT MORTGAGE LOANS, LLC 19 3.04% $13,849
    LENDING 3, INC. 19 2.67% $7,052
    NBH Bank 19 2.47% $6,086
    COLUMBUS CAPITAL LENDING, LLC 19 2.93% $12,629
    VELOCIO MORTGAGE L.L.C. 19 2.93% $7,848
    CANOPY MORTGAGE, LLC 18 2.42% $7,004
    FirstBank 18 2.69% $4,549
    George Mason Mortgage, LLC 18 2.65% $10,455
    Sunflower Bank 18 2.64% $9,202
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 18 2.59% $6,299
    Seacoast National Bank 18 2.72% $7,066
    APEX HOME LOANS, INC. 18 2.76% $7,429
    DSLD MORTGAGE, LLC 17 2.40% $6,488
    CORNERSTONE HOME LENDING, INC. 17 2.95% $8,340
    INTERCOASTAL MORTGAGE COMPANY 17 2.61% $7,644
    Bell Bank 17 2.81% $3,441
    RADIUS FINANCIAL GROUP INC. 17 2.70% $5,864
    DRAPER AND KRAMER MORTGAGE CORP. 17 2.74% $4,679
    Century Mortgage Company DBA Century Lending Company 17 2.82% $9,661
    HOMESTEAD FUNDING CORP. 16 2.36% $4,409
    Armed Forces Bank 16 2.44% $5,772
    ROYAL UNITED MORTGAGE LLC 16 2.80% $11,242
    NJ LENDERS CORP. 16 2.71% $7,211
    FIRST HOME MORTGAGE CORPORATION 16 2.58% $6,142
    UNITED MORTGAGE CORP. 15 2.75% $7,531
    INSPIRE HOME LOANS INC. 15 3.38% $5,138
    Eagle Bank and Trust Company 15 2.83% $6,256
    TOP FLITE FINANCIAL, INC. 15 3.02% $13,813
    Colonial Savings, F.A. 14 3.12% $5,039
    T2 FINANCIAL LLC 14 3.10% $8,414
    Alcova Mortgage LLC 14 2.85% $8,673
    CHERRY CREEK MORTGAGE, LLC 14 2.41% $2,515
    INTERCAP LENDING INC. 14 2.42% $4,972
    MCLEAN MORTGAGE CORPORATION 14 2.55% $7,545
    MORTGAGE FINANCIAL GROUP, INC. 14 2.93% $11,401
    FLAT BRANCH MORTGAGE, INC. 14 3.34% $7,342
    ROSS MORTGAGE CORPORATION 13 3.19% $7,307
    TIDEWATER MORTGAGE SERVICES, INC. 13 2.65% $7,308
    Sierra Pacific Mortgage Company, Inc. 13 2.71% $8,033
    RESIDENTIAL BANCORP. 13 2.70% $4,790
    ALLIED MORTGAGE GROUP, INC. 12 2.70% $8,685
    S1L, Inc. 12 2.92% $6,572
    US MORTGAGE CORPORATION 12 2.97% $12,732
    West Town Bank & Trust 12 2.70% $8,145
    GoPrime Mortgage, Inc. 11 2.59% $6,004
    First Midwest Bank 11 2.39% $5,349
    POLARIS HOME FUNDING CORP. 11 2.97% $8,163
    NTFN, INC. 11 2.81% $6,707
    AMERICAN ADVISORS GROUP 11 2.69% $4,463
    ASPIRE FINANCIAL, INC. 11 2.43% $8,042
    SIRVA MORTGAGE, INC. 11 2.93% $9,027
    Arvest Bank 11 2.75% $8,756
    Watermark Capital, Inc. 11 2.43% $3,048
    Bank of America 11 3.16% $6,828
    Texana Bank 11 2.52% $6,124
    First Heritage Mortgage, LLC 11 2.70% $9,481
    The Central Trust Bank 11 2.39% $5,941
    PARKSIDE LENDING, LLC 10 2.71% $6,579
    Midwest Mortgage Associates Corporation 10 2.65% $7,763
    BANKERS MORTGAGE LENDING, INC. 10 2.70% $8,516
    Evolve Bank & Trust 10 2.75% $4,198
    COMPASS MORTGAGE, INC. 10 2.61% $6,826
    THRIVE MORTGAGE, LLC 10 2.85% $8,144
    HUNT MORTGAGE CORPORATION 10 2.78% $8,193
    FIRST FLORIDA Credit Union 10 3.14% $5,397
    AmRes Corporation 9 2.72% $7,126
    FOUNDATION MORTGAGE CORPORATION 9 3.05% $12,199
    HomePromise Corporation 9 3.01% $20,159
    JAMES B. NUTTER & COMPANY 9 2.74% $3,491
    Republic State Mortgage Co. 9 2.82% $5,626
    SmartBank 9 2.76% $8,654
    Patriot Lending Services, Inc. 8 3.09% $5,866
    TD Bank 8 3.05% $4,570
    Keystone Funding, Inc. 8 2.39% $5,427
    SOUTHWEST FUNDING, LP 8 3.42% $14,791
    Amerifirst Financial, Inc. 8 2.81% $9,691
    HARBORONE MORTGAGE, LLC 8 2.47% $5,285
    RANLIFE, INC. 8 3.02% $9,484
    DELMAR FINANCIAL COMPANY 8 2.97% $4,672
    J. VIRGIL, INC. 8 2.81% $7,243
    Pacific Lending LLC 8 2.70% $4,353
    UNITED SECURITY FINANCIAL CORP 7 2.29% $5,639
    AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 7 2.84% $10,347
    ALL WESTERN MORTGAGE, INC. 7 3.48% $4,477
    CITY FIRST MORTGAGE SERVICES, L.L.C. 7 2.86% $11,030
    FAMILY FIRST FUNDING LLC 7 2.79% $10,163
    BANKSOUTH MORTGAGE COMPANY, LLC 7 2.71% $7,506
    RESIDENTIAL HOME FUNDING CORP. 7 2.95% $12,333
    1ST SIGNATURE LENDING, LLC 7 2.96% $9,241
    Gulf Coast Bank and Trust Company 7 2.79% $7,522
    BancorpSouth Bank 7 3.05% $3,834
    Atlantic Union Bank 7 2.77% $8,997
    OCEANSIDE MORTGAGE COMPANY 7 2.60% $654
    LOANFLIGHT LENDING, LLC 6 2.27% $2,762
    ARC HOME LLC 6 2.38% $3,990
    The Union Bank Company 6 2.58% $8,568
    Shea Mortgage Inc. 6 2.52% $7,841
    Loan Simple, Inc. 6 2.92% $12,269
    GREAT WESTERN FINANCIAL SERVICES, INC. 6 2.98% $6,986
    Assurance Financial Group, L.L.C. 6 2.42% $7,984
    FBT Mortgage, L.L.C. 6 2.71% $6,433
    Blue Ridge Bank 6 2.67% $6,106
    DEVELOPER'S MORTGAGE COMPANY 6 2.77% $8,102
    LIBERTY HOME MORTGAGE CORPORATION 5 2.90% $11,174
    COUNTRYPLACE MORTGAGE, LTD. 5 3.73% $4,432
    RAPID MORTGAGE COMPANY 5 3.00% $14,507
    Midwest BankCentre 5 2.49% $8,019
    Atlantic Coast Mortgage, LLC 5 2.83% $11,833
    Home Mortgage Alliance Corp 5 2.92% $9,651
    City National Bank of Florida 5 2.68% $8,803
    Valley National Bank 5 2.53% $8,835
    SeaTrust Mortgage Company 5 2.73% $9,552
    Total Media Management, LLC 5 2.57% $12,034
    PROPER RATE, LLC 5 3.05% $4,269
    IMPAC MORTGAGE CORP. 5 2.55% $3,427
    TruHome Solutions, LLC 5 2.63% $7,651
    INSIGHT 5 2.83% $5,064
    V.I.P. MORTGAGE, INC. 5 2.67% $8,113
    BECKAM FUNDING CORP. 5 3.53% $8,614
    BBVA USA 5 3.45% $4,401
    First Bank 5 2.55% $5,726
    First Internet Bank of Indiana 5 2.45% $4,369
    RESIDENTIAL MORTGAGE SERVICES, INC. 5 2.55% $4,086
    NOVA FINANCIAL & INVESTMENT CORPORATION 5 2.95% $3,433
    GVC MORTGAGE, INC. 5 3.03% $5,720
    Republic Bank & Trust Company 4 2.63% $2,750
    AMERICAN HOME LENDING USA, LLC 4 2.50% $4,061
    EagleBank 4 2.59% $5,131
    American Security Mortgage Corp. 4 2.50% $13,239
    PREMIER LENDING, INC. 4 3.03% $9,186
    PIKE CREEK MORTGAGE SERVICES, INC. 4 4.22% $5,495
    Willamette Valley Bank 4 2.69% $4,426
    SRE MORTGAGE ALLIANCE INC. 4 2.38% $4,670
    NORWICH COMMERCIAL GROUP, INC. 4 2.38% $3,746
    INTELLILOAN, INC. 4 2.66% $4,489
    Residential Mortgage Solutions, Inc. 4 3.00% $12,788
    CITYWIDE HOME LOANS, LLC 4 2.25% $3,934
    Academy Bank 4 2.53% $6,203
    Princeton Mortgage Corporation 4 2.91% $11,925
    Core Bank 4 2.41% $3,822
    East Coast Capital Corp. 4 2.66% $11,312
    LENOX FINANCIAL MORTGAGE CORPORATION 4 2.81% $4,818
    The Huntington National Bank 4 2.94% $6,374
    EUSTIS AND AMERICAN MORTGAGE COMPANY 4 2.81% $14,142
    Advance Financial Group, LLC 4 2.66% $5,530
    Triumph Bank 4 2.34% $5,562
    Atlantic Home Loans, Inc. 3 2.79% $7,180
    Financial Funding Solutions, Inc. 3 2.79% $7,228
    FIRST ALLIANCE HOME MORTGAGE, LLC 3 2.83% $6,119
    CROSSFIRE FINANCIAL NETWORK, INC. 3 3.25% $7,369
    FIRST SAVINGS MORTGAGE CORPORATION 3 2.63% $3,658
    FIRST STATE MORTGAGE SERVICES, LLC 3 2.46% $8,817
    GET A RATE LLC 3 2.88% $9,163
    Colten Mortgage, LLC 3 3.08% $7,123
    Integrity Home Mortgage Corp 3 2.96% $10,188
    City Bank 3 2.75% $6,067
    JMJ FINANCIAL GROUP 3 2.88% $13,106
    KeyBank 3 2.71% $14,392
    LOANLEADERS OF AMERICA, INC. 3 2.71% $6,064
    Midwest Community Bank 3 2.79% $13,945
    ML Mortgage Corp. 3 3.08% $9,137
    MORTGAGE ACCESS CORP. 3 2.75% $10,359
    BRIGHTSTAR 3 2.79% $4,547
    MORTGAGEONE, INC. 3 2.42% $11,694
    BOKF 3 2.71% $6,532
    Mortgage Unlimited, L.L.C. 3 3.08% $9,291
    BETTER MORTGAGE CORPORATION 3 2.58% $6,945
    121 FINANCIAL 3 2.75% $4,655
    BELEM SERVICING LLC 3 2.58% $5,265
    Neighborhood Loans, Inc. 3 2.88% $6,346
    NORTHERN MORTGAGE SERVICES, LLC 3 2.63% $7,321
    BANKING MORTGAGE SERVICES, B.M.S. CORP. 3 3.13% $12,248
    ON Q FINANCIAL, INC. 3 3.13% $7,821
    Service Federal Credit Union 3 2.79% $7,587
    SIWELL, INC. 3 2.71% $2,373
    TOTAL MORTGAGE SERVICES, LLC 3 2.75% $11,035
    Town Square Mortgage & Investments, Inc. 3 3.13% $7,497
    UNION CAPITAL MORTGAGE CORPORATION 3 3.33% $4,654
    UNIVERSAL LENDING CORPORATION 3 3.00% $12,744
    ITHINK FINANCIAL Credit Union 2 2.81% $7,975
    BEST CAPITAL FUNDING 2 3.00% $5,818
    Citibank 2 2.25% $14,913
    NewTowne Mortgage, LLC 2 2.88% $8,975
    Cf Bank 2 2.31% $1,874
    Cadence Bank, N.A. 2 2.56% $3,349
    Towne Mortgage, LLC 2 2.56% $6,598
    American Mortgage & Equity Consultants, Inc. 2 2.88% $5,199
    Stifel Bank and Trust 2 2.69% $2,598
    Northwest Federal Credit Union 2 3.06% $8,533
    Stride Bank 2 2.88% $4,041
    Alerus Financial 2 2.44% $11,662
    American Mortgage and Insurance Inc. 2 3.44% $2,528
    American Momentum Bank 2 2.56% $4,049
    SUMMIT FUNDING, INC. 2 3.19% $6,948
    Union Savings Bank 2 2.81% $16,546
    Servion, Inc. 2 2.75% $3,224
    Mortgage Network, Inc. 2 2.63% $6,766
    First United Bank and Trust Company 2 3.31% $2,973
    Shamrock Home Loans, Inc. 2 2.88% $14,037
    First State Bank of St. Charles, Missouri 2 2.50% $6,669
    AHL FUNDING 2 2.94% $9,311
    HighTechLending Inc 2 2.75% $6,181
    HARVESTERS FEDERAL CREDIT UNION 2 2.50% $3,809
    NASA Federal Credit Union 2 2.38% $10,214
    SHELTER HOME MORTGAGE, LLC 2 3.19% $7,915
    TCF National Bank 2 2.50% $16,086
    COMMUNITYAMERICA 2 2.44% $4,810
    Premium Mortgage Corporation 2 2.44% $2,089
    Community Bank of Mississippi 2 3.19% $1,824
    Arbor Bank 2 2.75% $5,230
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 3.06% $18,101
    DATA MORTGAGE, INC. 2 3.06% $5,344
    CapStar Bank 2 2.81% $11,279
    Alpha Mortgage Corporation 2 2.94% $4,021
    Gulf Winds Credit Union 2 2.75% $3,662
    ACHIEVA CREDIT UNION 2 2.63% $4,072
    THE MONEY HOUSE INC. 2 2.44% $5,952
    DIRECT LENDERS, LLC 2 2.81% $15,106
    Ross Mortgage Company, Inc. 2 2.69% $10,144
    COMMUNITY CREDIT UNION OF FLORIDA 2 2.88% $8,031
    KEESLER 2 3.63% $3,416
    MORIA DEVELOPMENT, INC. 2 3.25% $10,637
    WESTERN EXPRESS LENDING 2 2.38% $6,621
    GTE Federal Credit Union 2 3.13% $7,540
    Cambria Financial Group, LLC 2 2.25% $1,709
    Pacor Mortgage Corp 2 2.44% $15,486
    Carrollton Bank 2 2.44% $5,846
    CIS Financial Services, Inc. 2 3.31% $6,844
    RUOFF MORTGAGE COMPANY, INC. 2 3.31% $6,850
    PERFORMANCE MORTGAGE LLC 2 2.25% $4,031
    CIBC Bank USA 1 2.50% $4,974
    Southern First Bank 1 2.88% $7,318
    JMAC LENDING, INC. 1 2.63% $24,423
    SouthPoint Bank 1 2.25% $11,419
    JET DIRECT FUNDING CORP 1 3.50% $3,902
    INTERNATIONAL CITY MORTGAGE, INC. 1 2.88% $5,849
    Independent Bank 1 2.50% $6,817
    Huntingdon Valley Bank 1 3.13% $29,471
    HOMEWAY MORTGAGE LLC 1 2.63% $2,986
    American Mortgage Bank, LLC 1 2.25% $809
    Colony Bank 1 2.63% $1,774
    HOME FINANCING CENTER, INC. 1 4.25% $18,720
    Commonwealth Bank and Trust Company 1 2.50% $2,653
    HARTFORD FUNDING, LTD. 1 2.75% $11,295
    HANSCOM 1 3.13% $3,072
    Hamilton Mortgage Corporation 1 2.25% $4,502
    The Cortland Savings and Banking Company 1 2.38% $4,378
    THE EQUITABLE MORTGAGE CORPORATION 1 2.38% $2,778
    HALLMARK HOME MORTGAGE, LLC 1 2.88% $7,911
    THE MORTGAGE COMPANY 1 2.50% $4,492
    THE MORTGAGE WAREHOUSE,LLC 1 2.63% $1,807
    COMMUNITY MORTGAGE, LLC 1 3.00% $4,078
    GREENWAY MORTGAGE FUNDING CORP. 1 2.50% $7,301
    Tidewater Home Funding, LLC 1 2.88% $9,178
    GREENTREE MORTGAGE COMPANY, L.P. 1 2.88% $8,234
    Great Southern Bank 1 2.75% $1,266
    Great Plains National Bank 1 3.00% $8,909
    GRANITE FEDERAL CREDIT UNION 1 2.99% $4,413
    ENDEAVOR CAPITAL, LLC. 1 3.63% $19,691
    TOWN AND COUNTRY Credit Union 1 2.25% $11,879
    Town & Country Banc Mortgage Services, Inc. 1 2.88% $16,614
    Congressional Bank 1 2.25% $3,273
    Consumer First Mortgage, Inc. 1 2.25% $3,762
    WRIGHT-PATT CREDIT UNION, INC. 1 2.88% $8,280
    Genesee Regional Bank 1 3.13% $12,614
    1ST PREFERENCE MORTGAGE CORP. 1 2.75% $9,854
    Allied First Bank,sb 1 2.25% $5,020
    F&M Bank 1 2.38% $8,719
    ELGA CREDIT UNION 1 3.00% $11,138
    AIR ACADEMY 1 2.75% $1,460
    United Community Bank 1 2.50% $3,736
    Flanagan State Bank 1 2.25% $416
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 2.88% $22,966
    Elements Financial Federal Credit Union 1 2.63% $2,598
    UNIVERSAL MORTGAGE & FINANCE, INC. 1 2.88% $7,403
    First National Bank Texas 1 2.75% $7,067
    Countybank 1 2.75% $5,451
    Acre Mortgage and Financial Inc 1 3.13% $6,517
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 2.88% $3,284
    U S WIDE FINANCIAL LLC 1 2.50% $15,465
    Uwharrie Bank 1 2.25% $3,569
    First Financial Bank 1 2.88% $8,264
    First Financial Bank 1 2.75% $2,521
    First Bank & Trust 1 2.25% $7,837
    VERITAS FUNDING, LLC 1 3.25% $11,246
    Victorian Finance, LLC 1 2.88% $19,426
    Financial Freedom Mortgage, LLC 1 3.38% $20,664
    Fidelity Bank 1 3.00% $9,047
    FEDEX EMPLOYEES CREDIT ASSOCIATION 1 2.50% $15,751
    ABERDEEN PROVING GROUND FEDERAL CREDIT UNION 1 2.63% $4,368
    F&B Acquisition Group LLC 1 2.63% $10,701
    West Gate Bank 1 2.25% $3,180
    Axos Bank 1 3.13% $14,748
    Patriot Bank 1 2.00% $12,832
    Origin Bank 1 3.13% $8,709
    Opendoor Home Loans LLC 1 2.25% $22,715
    Peoples Bank 1 3.00% $5,411
    ONY GLO, INC. 1 2.25% $2,920
    ON TAP 1 3.00% $11,599
    Philadelphia Mortgage Advisors, Inc. 1 3.00% $1,356
    Old Second National Bank 1 2.25% $4,830
    PILGRIM MORTGAGE LLC 1 2.99% $8,671
    PINNACLE LENDING GROUP, INC. 1 2.50% $6,798
    Bank Independent 1 2.25% $2,257
    Platinum Home Mortgage Corporation 1 3.25% $12,502
    NEXERA HOLDING LLC 1 2.25% $4,058
    PLUS RELOCATION MORTGAGE, LLC 1 3.25% $8,250
    BANKWEST, INC. 1 2.50% $7,039
    Poli Mortgage Group, Inc. 1 3.00% $5,734
    NEW FED MORTGAGE, CORP. 1 2.50% $14,506
    NEAL COMMUNITIES FUNDING, LLC 1 3.63% $5,833
    MYCUMORTGAGE, LLC 1 2.75% $7,931
    BLG HOLDINGS, INC. 1 2.50% $7,709
    BLUELEAF LENDING, LLC 1 2.25% $19,823
    MORTGAGE INVESTORS GROUP, INC. 1 2.88% $3,109
    MORTGAGE FINANCIAL SERVICES, LLC 1 2.63% $9,771
    Quaint Oak Mortgage, LLC 1 3.00% $4,778
    MLD MORTGAGE INC. 1 2.25% $4,686
    Quontic Bank 1 2.38% $20,744
    Midland States Bank 1 2.88% $5,987
    MID-ISLAND MORTGAGE CORP. 1 2.25% $1,961
    Raymond James Bank 1 3.13% $4,386
    READY MORTGAGE LENDERS, LLC 1 2.88% $2,297
    Red River Bank 1 2.63% $280
    CALCULATED RISK ANALYTICS LLC 1 2.50% $4,060
    Reliant Bank 1 2.25% $9,553
    A + MORTGAGE SERVICES, INC. 1 2.38% $1,432
    MIAMI FIREFIGHTERS FCU 1 2.88% $9,649
    MEGASTAR FINANCIAL CORP. 1 2.75% $9,973
    MEGA CAPITAL FUNDING, INC. 1 2.38% $2,091
    Mazuma Credit Union 1 2.63% $7,969
    RESIDENTIAL HOME MORTGAGE CORPORATION 1 2.88% $4,703
    MASON MCDUFFIE MORTGAGE CORPORATION 1 2.25% $3,500
    Luxury Mortgage Corp. 1 2.75% $4,321
    Lincoln Savings Bank 1 2.50% $11,325
    Lincoln FSB of Nebraska 1 2.25% $2,914
    Leaders Credit Union 1 3.63% $3,578
    Sandy Spring Bank 1 2.13% $4,166
    Leader Bank 1 2.25% $2,097
    LAKE MICHIGAN CREDIT UNION 1 2.63% $3,585
    FAMILY FINANCE MORTGAGE, LLC 1 2.63% $5,879
    ServisFirst Bank 1 2.50% $17,245
    Lake Area Bank 1 2.25% $11,796
    Kwik Mortgage Corporation 1 2.25% $4,942
    CHARTER WEST BANK 1 2.25% $3,451
    Simmons Bank 1 2.88% $4,899
    Key Mortgage Services, Inc. 1 3.00% $22,636
    FAIR WAY LENDING LLC 1 2.75% $3,984

    The top Florida VA lender as defined by loan originations is QUICKEN LOANS, LLC, with 8,616 VA loans originated. Their average total fees are $5,355, which is $1,582 higher than the next largest lender, FREEDOM MORTGAGE CORPORATION.

    The lowest fee Florida VA lenders (with over 10 loans originated) are Lakeview Community Capital, LLC ($2,416), AmeriHome Mortgage Company, LLC ($2,448), CHERRY CREEK MORTGAGE, LLC ($2,515), Credence Funding Corporation ($2,619) and LAKEVIEW LOAN SERVICING, LLC ($2,674).

    The lowest rate Florida VA lenders (with over 10 loans originated) are ACCELERATE MORTGAGE, LLC (2.22%), Credence Funding Corporation (2.26%), First Mortgage Solutions, LLC (2.30%), BNC National Bank (2.31%) and CLEARPATH LENDING (2.31%).

    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.