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 6.25% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Florida's average VA mortgage closing costs are $7,264.

    The average rate for the prior week (2025-03-28) was 6.37% and one month ago for the week of 2025-02-28, the average rate was 6.55%.

    The average rate one year ago was 6.66%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.98%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 5,957 5.97% $8,731
    Mortgage Research Center, LLC 4,672 6.32% $7,484
    QUICKEN LOANS, LLC 2,574 6.00% $11,768
    DHI MORTGAGE COMPANY, LTD. 2,476 5.03% $6,319
    FREEDOM MORTGAGE CORPORATION 2,369 6.13% $11,195
    NAVY FEDERAL CREDIT UNION 1,576 5.91% $6,891
    EAGLE HOME MORTGAGE, LLC 1,356 4.87% $5,337
    CROSSCOUNTRY MORTGAGE, LLC 854 6.30% $9,966
    LOANDEPOT.COM, LLC 798 5.91% $11,694
    VILLAGE CAPITAL MORTGAGE 783 5.77% $7,198
    NEWREZ LLC 730 6.11% $9,486
    PENNYMAC LOAN SERVICES, LLC 713 5.74% $9,660
    NEW DAY FINANCIAL, LLC 605 7.48% $14,776
    USAA Federal Savings Bank 559 6.24% $9,653
    CMG MORTGAGE, INC. 558 5.94% $13,444
    MOVEMENT MORTGAGE, LLC 547 6.36% $11,176
    BROKER SOLUTIONS, INC. 528 6.33% $11,903
    PULTE MORTGAGE LLC 498 5.44% $5,880
    GUARANTEED RATE, INC. 376 6.02% $7,844
    FBC MORTGAGE, LLC 341 5.61% $8,586
    Equity Prime Mortgage LLC 317 6.51% $9,748
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 311 6.42% $9,151
    University Bank 279 6.05% $7,517
    UNION HOME MORTGAGE CORP. 269 6.25% $9,610
    LAKEVIEW LOAN SERVICING, LLC 263 5.77% $6,775
    THE MORTGAGE FIRM, INC. 246 6.56% $8,497
    Mr. Cooper ( Nationstar Mortgage ) 242 6.25% $11,731
    Flagstar Bank, FSB 241 6.27% $10,154
    Paramount Residential Mortgage Group, Inc. 241 6.36% $12,534
    PLANET HOME LENDING, LLC 236 5.80% $7,126
    MORTGAGE SOLUTIONS OF COLORADO, LLC 235 7.12% $5,391
    KBHS HOME LOANS, LLC 232 5.91% $7,471
    HOMEAMERICAN MORTGAGE CORPORATION 225 4.91% $5,093
    CARDINAL FINANCIAL 205 6.29% $12,633
    NFM, INC. 202 5.92% $12,070
    EVERETT FINANCIAL, INC. 197 6.69% $11,625
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 193 6.10% $9,139
    Ameris Bank 191 5.95% $9,671
    The Federal Savings Bank 191 6.32% $19,388
    Mid-Continent Funding, Inc. 191 6.17% $8,858
    GUILD MORTGAGE COMPANY 184 6.36% $10,921
    First Federal Bank 176 5.94% $8,435
    INSPIRE HOME LOANS INC. 166 5.17% $6,748
    Carrington Mortgage Services, LLC 166 6.08% $11,928
    NBKC BANK 163 5.89% $7,699
    Barrington Bank & Trust Company, N.A. 157 6.34% $7,901
    SUN WEST MORTGAGE COMPANY, INC. 153 5.93% $10,033
    PRIMELENDING, A PLAINSCAPITAL COMPANY 153 6.37% $7,904
    M/I FINANCIAL, LLC 149 5.72% $17,786
    Waterstone Mortgage Corporation 149 6.48% $13,517
    PENTAGON FEDERAL CREDIT UNION 147 6.02% $7,426
    JET HOMELOANS, LLC 147 5.44% $10,362
    NVR Mortgage Finance, Inc. 147 6.08% $5,279
    GUARANTEED RATE AFFINITY, LLC 146 6.23% $11,664
    SWBC MORTGAGE CORPORATION 140 6.23% $9,247
    Plains Commerce Bank 133 6.33% $11,049
    Century Mortgage Company DBA Century Lending Company 129 6.01% $8,202
    AMERICAN FINANCIAL NETWORK, INC. 128 6.39% $9,233
    MUTUAL OF OMAHA MORTGAGE, INC. 125 6.29% $16,030
    HOMESIDE FINANCIAL, LLC 123 6.43% $11,627
    South Pacific Financial Corporation 121 5.51% $8,178
    Bank of England 115 6.24% $11,415
    Lakeview Community Capital, LLC 114 5.64% $6,079
    CLEARPATH LENDING 113 5.80% $10,415
    MATTAMY HOME FUNDING, LLC 110 5.79% $8,775
    AMERICAN PACIFIC MORTGAGE CORPORATION 110 6.52% $11,455
    DSLD MORTGAGE, LLC 101 5.83% $8,593
    Regions Bank 99 6.03% $15,182
    DYBN FINANCIAL CORP. 98 6.18% $11,037
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 89 6.38% $11,222
    PLAZA HOME MORTGAGE, INC. 87 6.20% $13,779
    U.S. Bank 87 6.16% $11,985
    VANDERBILT MORTGAGE AND FINANCE, INC. 82 5.26% $2,680
    Prosperity Home Mortgage, LLC 81 6.24% $10,823
    The Loan Store, Inc. 78 6.15% $10,465
    EMM LOANS LLC 75 6.37% $12,996
    Magnolia Bank 75 5.89% $20,441
    TOWNE MORTGAGE COMPANY 74 6.14% $11,384
    Wells Fargo Bank 70 5.93% $11,365
    JMAC LENDING, INC. 69 6.05% $11,812
    HOME SOLUTION LENDERS INC. 69 5.95% $9,999
    JPMorgan Chase Bank 68 6.04% $5,660
    FIRST COLONY MORTGAGE CORPORATION 66 6.01% $10,480
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 65 6.21% $10,628
    Truist 65 6.22% $6,631
    ALKAN MORTGAGE CORPORATION 65 6.51% $12,853
    AMERISAVE MORTGAGE CORPORATION 65 5.97% $24,072
    LOANPAL, LLC 65 5.78% $13,695
    HOMEBRIDGE FINANCIAL SERVICES, INC. 63 6.31% $7,817
    STOCKTON MORTGAGE CORPORATION 61 6.45% $10,832
    EMBRACE HOME LOANS, INC. 60 6.09% $11,223
    SUCCESS MORTGAGE PARTNERS, INC. 53 6.38% $16,086
    FIRST COMMUNITY MORTGAGE, INC. 52 6.38% $9,714
    Ixonia Bank 51 6.49% $11,584
    AMERICAN FINANCIAL RESOURCES, INC. 50 6.49% $10,829
    ZILLOW HOME LOANS, LLC 49 6.34% $8,634
    PHH Mortgage Corporation 49 5.60% $5,724
    VAN DYK MORTGAGE CORPORATION 48 6.62% $8,342
    MICHIGAN MUTUAL, INC. 48 6.48% $8,950
    AFFORDABLE MORTGAGE ADVISORS, LLC. 47 6.28% $10,087
    LEADERONE FINANCIAL CORPORATION 47 6.39% $11,301
    Armed Forces Bank 46 5.94% $8,696
    GARDNER FINANCIAL SERVICES, LTD. 46 6.67% $9,222
    BAY EQUITY LLC 45 6.27% $8,176
    NETWORK CAPITAL FUNDING CORPORATION 45 6.08% $13,629
    First Heritage Mortgage, LLC 44 5.41% $12,217
    Nations Lending Corporation 42 6.48% $13,677
    METROPLEX MORTGAGE SERVICES, INC. 42 6.43% $5,883
    Centennial Bank 42 6.10% $11,058
    SUMMIT FUNDING, INC. 41 6.14% $12,602
    CHURCHILL MORTGAGE CORPORATION 39 6.27% $12,204
    GERSHMAN INVESTMENT CORP. 39 6.38% $7,891
    TBI MORTGAGE COMPANY 39 5.86% $10,098
    T2 FINANCIAL LLC 38 6.49% $11,523
    South State Bank 38 6.10% $9,536
    MORTGAGEONE, INC. 37 6.67% $7,234
    Mortgage Lenders Investment Trading Corporation 37 6.79% $10,380
    NATIONS DIRECT MORTGAGE, LLC 36 6.10% $12,981
    MSA MORTGAGE, LLC 36 5.86% $11,428
    CANOPY MORTGAGE, LLC 36 6.13% $15,630
    BankPlus 35 5.97% $8,643
    First Horizon Bank 34 6.07% $14,796
    LOANPEOPLE, LLC 33 5.74% $12,203
    GENEVA FINANCIAL, LLC 33 6.64% $11,307
    NORWICH COMMERCIAL GROUP, INC. 32 5.98% $8,178
    Keystone Funding, Inc. 32 6.18% $11,701
    MORTGAGE ONE OF THE SOUTH, INC. 32 5.87% $7,941
    GoPrime Mortgage, Inc. 31 6.28% $10,150
    PRIMARY RESIDENTIAL MORTGAGE, INC. 30 6.51% $8,287
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 29 6.36% $10,384
    Trustmark National Bank 28 6.57% $6,908
    AmeriHome Mortgage Company, LLC 27 6.18% $9,432
    TOP FLITE FINANCIAL, INC. 25 6.36% $11,948
    NORTHPOINT MORTGAGE, INC. 25 6.37% $7,634
    VERITAS FUNDING, LLC 25 6.28% $20,902
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 25 5.98% $5,016
    American Mortgage & Equity Consultants, Inc. 25 6.43% $12,348
    Hancock Whitney Bank 25 6.01% $10,072
    Credence Funding Corporation 24 5.59% $5,262
    BAYSHORE MORTGAGE FUNDING, LLC 23 6.42% $14,927
    AMERICAN BANCSHARES MORTGAGE 22 6.51% $16,273
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 22 6.68% $11,668
    Bell Bank 22 6.14% $7,331
    Tyndall Federal Credit Union 21 6.11% $8,545
    Texana Bank 21 6.39% $14,234
    American Mortgage Bank, LLC 20 5.90% $10,181
    MORTGAGE 1 INCORPORATED 20 6.27% $7,095
    Sierra Pacific Mortgage Company, Inc. 20 6.16% $11,312
    PARK SQUARE HOME MORTGAGE, LLC 20 5.34% $4,241
    INTELLILOAN, INC. 20 6.06% $3,006
    Northpointe Bank 20 6.15% $8,509
    NEAL COMMUNITIES FUNDING, LLC 19 6.40% $8,292
    Network Funding, L.P. 19 6.29% $11,409
    DAS Acquisition Company, LLC 19 6.73% $8,768
    CONTOUR MORTGAGE CORPORATION 19 6.49% $13,360
    ServisFirst Bank 19 6.24% $7,577
    AMERICAN FINANCING CORPORATION 19 5.79% $15,156
    ENVOY MORTGAGE, LTD 19 6.46% $8,999
    Presidential Bank, FSB 19 6.41% $7,593
    ACOPIA, LLC 19 6.37% $4,034
    Synovus Bank 18 6.16% $9,514
    VELOCIO MORTGAGE L.L.C. 18 5.32% $7,718
    VYSTAR 18 6.58% $10,717
    Cornerstone First Mortgage, Inc 18 6.07% $11,102
    ALLIED MORTGAGE GROUP, INC. 18 5.99% $7,126
    ABSOLUTE HOME MORTGAGE CORPORATION 17 6.65% $12,835
    City National Bank of Florida 17 6.00% $11,158
    TJC Mortgage, Inc. 17 6.11% $13,742
    GMFS LLC 16 6.18% $6,311
    LADERA LENDING, INC. 16 6.09% $13,247
    MORTGAGE FINANCIAL GROUP, INC. 16 6.32% $9,790
    CALCON MUTUAL MORTGAGE LLC 16 6.37% $9,967
    Strong Home Mortgage, LLC 16 5.77% $6,253
    NATIONWIDE MORTGAGE BANKERS, INC. 16 6.59% $19,862
    RESOURCE FINANCIAL SERVICES, INC. 16 6.48% $8,242
    MORTGAGE EQUITY PARTNERS LLC 15 6.49% $16,619
    DIRECT MORTGAGE LOANS, LLC 15 6.42% $13,033
    CITY FIRST MORTGAGE SERVICES, L.L.C. 15 6.50% $12,364
    DELMAR FINANCIAL COMPANY 15 6.28% $9,300
    WATSON MORTGAGE CORP. 14 6.55% $8,564
    PNC Bank 14 6.65% $4,461
    HOMEOWNERS FINANCIAL GROUP USA, LLC 14 6.19% $18,059
    HomePromise Corporation 14 7.52% $6,694
    MILEND, INC. 14 6.60% $18,842
    PREMIA MORTGAGE, LLC 13 5.86% $7,830
    The Central Trust Bank 13 6.11% $12,743
    FIRST EQUITY MORTGAGE INCORPORATED 13 5.74% $11,325
    Capital City Home Loans, LLC 13 6.32% $10,044
    SeaTrust Mortgage Company 12 6.17% $15,804
    Alcova Mortgage LLC 12 6.17% $5,729
    RELIANCE FIRST CAPITAL, LLC 12 6.21% $12,665
    Atlantic Coast Mortgage, LLC 12 6.10% $16,608
    Florida Capital Bank 11 6.49% $10,588
    FIRST MORTGAGE COMPANY, INC. 11 5.97% $13,970
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 11 6.70% $8,594
    TIDEWATER MORTGAGE SERVICES, INC. 11 6.11% $11,535
    MID AMERICA MORTGAGE, INC. 11 6.64% $16,004
    Fifth Third Bank 11 6.33% $5,337
    OPEN MORTGAGE, LLC 11 6.50% $10,276
    Advisors Mortgage Group, L.L.C. 10 6.20% $9,588
    OCMBC, INC. 10 6.48% $10,788
    BAY CAPITAL MORTGAGE CORPORATION 10 6.21% $10,158
    SOUTHWEST STAGE FUNDING, LLC 10 6.41% $1,835
    Gateway First Bank 10 6.56% $4,773
    FAIRWAY FUNDING GROUP, INC. 10 5.91% $10,603
    FIDELITY BANK 10 6.36% $10,979
    MORIA DEVELOPMENT, INC. 10 6.20% $10,839
    NP, Inc. 10 6.55% $9,442
    Towne Bank 10 6.10% $11,030
    Renasant Bank 9 6.26% $12,227
    PREFERRED LENDING SERVICES, LLC 9 6.40% $9,440
    LOANFLIGHT LENDING, LLC 9 6.08% $7,426
    CityWorth Mortgage LLC 8 6.23% $11,565
    Hometown Equity Mortgage, LLC 8 6.52% $11,687
    Citizens Bank 8 6.27% $10,430
    UNITED MORTGAGE CORP 8 6.61% $23,140
    NJ LENDERS CORP. 8 6.26% $11,186
    V.I.P. MORTGAGE, INC. 8 6.11% $10,023
    Summit Mortgage Corporation 8 6.34% $14,573
    CORNERSTONE HOME LENDING, INC. 8 7.06% $5,511
    POINT Mortgage 8 6.70% $15,622
    Goldwater Bank, N.A. 7 6.75% $5,581
    HOMESTEAD FUNDING CORP. 7 6.27% $6,662
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 7 6.46% $11,983
    SFMC, LP 7 6.46% $9,157
    FLAT BRANCH MORTGAGE, INC. 7 6.52% $11,881
    First Option Mortgage, LLC 7 6.59% $7,634
    Residential Mortgage Solutions, Inc. 7 6.39% $9,462
    FIRST HOME MORTGAGE CORPORATION 7 6.30% $8,325
    Princeton Mortgage Corporation 7 5.80% $10,425
    FirstBank 7 6.46% $7,790
    Wolfe Financial, Inc 7 6.80% $7,171
    M&T Bank 7 6.09% $6,594
    EQUITY RESOURCES, INC. 7 6.66% $6,434
    OceanFirst Bank 6 5.60% $9,553
    MORTGAGE ACCESS CORP. 6 5.85% $6,937
    BELEM SERVICING LLC 6 5.83% $8,434
    BETTER MORTGAGE CORPORATION 6 5.92% $9,994
    Midwest Mortgage Associates Corporation 6 6.60% $9,288
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 6 6.27% $15,350
    Premium Mortgage Corporation 6 6.25% $8,034
    LAKE MICHIGAN CREDIT UNION 6 6.13% $4,671
    HOMESPIRE MORTGAGE CORPORATION 6 6.60% $7,285
    INTERCOASTAL MORTGAGE COMPANY 6 6.27% $13,981
    BancorpSouth 6 6.06% $10,447
    RUOFF MORTGAGE COMPANY, INC. 5 5.93% $9,751
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 5 6.70% $5,578
    Blue Ridge Bank 5 6.38% $8,604
    TOTAL MORTGAGE SERVICES, LLC 5 6.33% $8,571
    TD Bank 5 6.80% $11,405
    SOUTHERN TRUST MORTGAGE, LLC 5 6.33% $12,087
    THE MORTGAGE LINK, INC. 5 6.68% $17,092
    NOVA FINANCIAL & INVESTMENT CORPORATION 5 6.20% $9,090
    SOUTHPOINT FINANCIAL SERVICES, INC. 5 6.13% $5,323
    Victorian Finance, LLC 5 6.33% $8,911
    EUSTIS AND AMERICAN MORTGAGE COMPANY 5 5.63% $7,728
    Bank of America 5 6.43% $6,721
    ISERVE RESIDENTIAL LENDING, LLC 5 6.12% $18,652
    1ST FINANCIAL, INC. 5 6.75% $13,447
    VICTORY MORTGAGE, L.L.C. 5 5.75% $19,625
    The Huntington National Bank 5 7.05% $5,304
    Old National Bank 5 5.65% $11,206
    GSF Mortgage Corporation 5 6.55% $9,020
    ROSS MORTGAGE CORPORATION 5 6.63% $7,955
    ROYAL UNITED MORTGAGE LLC 5 6.70% $19,447
    OCEANSIDE MORTGAGE COMPANY 5 6.05% $5,357
    COMMUNITY CREDIT UNION OF FLORIDA 5 5.58% $6,352
    Community Bank of Mississippi 4 6.19% $8,488
    J. VIRGIL, INC. 4 5.97% $6,257
    MORTGAGE INVESTORS GROUP, INC. 4 6.63% $7,773
    HALLMARK HOME MORTGAGE, LLC 4 6.66% $7,203
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 4 6.44% $25,954
    US MORTGAGE CORPORATION 4 6.34% $6,874
    Arvest Bank 4 6.44% $6,238
    Residential Acceptance Corporation 4 7.06% $12,185
    Stride Bank 4 6.22% $11,504
    North American Savings Bank, F.S.B. 4 5.78% $7,760
    Home Mortgage Alliance Corp 4 6.69% $7,134
    Franklin Loan Corporation 4 5.88% $8,655
    Capital Bank 4 5.81% $8,673
    MY MORTGAGE, INC. 4 6.28% $14,914
    Granite Community Bank 4 6.31% $10,251
    Encompass Lending Group, LP 4 6.16% $7,590
    S1L, Inc. 4 6.34% $12,031
    THE MORTGAGE WAREHOUSE,LLC 3 6.13% $14,554
    DEVELOPER'S MORTGAGE COMPANY 3 6.63% $8,384
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 3 6.54% $17,846
    Farmers Bank & Trust 3 5.67% $7,861
    COMPASS MORTGAGE, INC. 3 6.54% $17,047
    FIDELITY DIRECT MORTGAGE, LLC 3 6.46% $12,254
    FIRST ALLIANCE HOME MORTGAGE, LLC 3 5.79% $7,269
    Commerce Home Mortgage, Inc. 3 6.13% $13,577
    GLENDENNING MORTGAGE CORPORATION 3 6.42% $29,481
    HARTFORD FUNDING, LTD. 3 5.92% $9,321
    KEESLER 3 5.58% $9,401
    BM Real Estate Services, Inc. 3 6.38% $2,487
    NATIONS RELIABLE LENDING, LLC 3 6.08% $6,926
    NBH Bank 3 6.16% $13,109
    BANKSOUTH MORTGAGE COMPANY, LLC 3 6.21% $12,099
    Pinnacle Bank 3 6.67% $13,100
    AmRes Corporation 3 6.00% $20,359
    RADIUS FINANCIAL GROUP INC. 3 6.75% $13,105
    Seacoast National Bank 3 6.58% $6,882
    Service Federal Credit Union 3 6.25% $9,494
    SIRVA MORTGAGE, INC. 3 6.92% $5,821
    SOVEREIGN LENDING GROUP INCORPORATED 3 6.08% $4,576
    SPACE COAST Credit Union 3 6.83% $7,380
    STAUNTON FINANCIAL, INC. 3 6.00% $6,863
    Stifel Bank and Trust 3 5.96% $6,670
    Sunflower Bank 3 6.13% $21,241
    The Dart Bank 3 6.54% $12,843
    1ST SIGNATURE LENDING, LLC 3 7.50% $9,640
    First Western Trust Bank 2 6.13% $12,239
    ENDEAVOR CAPITAL, LLC. 2 6.44% $4,013
    CASTLE & COOKE MORTGAGE, LLC 2 6.50% $8,461
    Countybank 2 5.75% $9,969
    READY MORTGAGE LENDERS, LLC 2 7.00% $13,690
    LOANLEADERS OF AMERICA, INC. 2 5.75% $12,449
    TruHome Solutions, LLC 2 6.81% $10,069
    LIBERTY HOME MORTGAGE CORPORATION 2 6.69% $34,784
    NexBank 2 6.38% $22,895
    LEGEND LENDING CORPORATION 2 6.56% $18,107
    American Security Mortgage Corp. 2 6.31% $6,278
    ALAMEDA MORTGAGE CORPORATION 2 6.13% $12,113
    United Bank 2 6.44% $10,201
    United Community Bank 2 5.94% $19,575
    PROVINCE MORTGAGE ASSOCIATES, INC. 2 6.56% $19,425
    Leader Bank 2 6.00% $7,998
    SECURITYNATIONAL MORTGAGE COMPANY 2 6.44% $16,692
    Meridian Bank Corporation 2 5.50% $5,764
    THE EQUITABLE MORTGAGE CORPORATION 2 6.44% $16,018
    DG PINNACLE FUNDING LLC 2 6.87% $12,298
    Integrity Home Mortgage Corp 2 6.75% $11,506
    Valley National Bank 2 6.31% $11,619
    Republic Bank & Trust Company 2 5.63% $11,939
    FIRST EQUITY MORTGAGE BANKERS, INC. 2 6.13% $31,698
    Vellum Mortgage, Inc. 2 6.75% $39,289
    FEDERATED MORTGAGE CORP. 2 5.69% $16,795
    CAPITAL CENTER, L.L.C. 2 5.56% $14,470
    Paramount Bank 2 5.06% $8,978
    INFINITY EQUITY GROUP, INC. 2 6.56% $4,316
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.81% $11,218
    PANORAMA MORTGAGE GROUP, LLC 2 7.00% $13,195
    DHA FINANCIAL, LLC 2 6.19% $8,748
    Performance Financial, Inc. 2 6.69% $13,752
    The Union Bank Company 2 6.25% $11,073
    MLB RESIDENTIAL LENDING, LLC 2 6.75% $7,958
    PACIFIC RESIDENTIAL MORTGAGE, LLC 2 6.50% $6,272
    Pacific Lending LLC 2 6.50% $7,941
    Assurance Financial Group, L.L.C. 2 6.19% $7,074
    F & M Bank 2 6.56% $14,498
    HUNT MORTGAGE CORPORATION 1 6.38% $0
    SUMMIT MORTGAGE CORPORATION 1 5.25% $4,534
    WesBanco 1 6.13% $4,697
    AMERICAN INTERNET MORTGAGE, INC. 1 5.25% $6,515
    HOMEXPRESS MORTGAGE CORP. 1 6.75% $7,573
    HOMETRUST MORTGAGE COMPANY 1 6.75% $9,554
    Citibank 1 6.25% $5,158
    Home Loan Investment Bank, F.S.B. 1 6.75% $4,756
    HARBORONE MORTGAGE, LLC 1 5.63% $18,879
    TEACHERS 1 6.63% $14,195
    TEACHERS CREDIT UNION 1 5.25% $5,568
    Gulf Coast Bank and Trust Company 1 6.25% $16,937
    City Lending Inc. 1 6.25% $12,864
    DIRECTIONS EQUITY, LLC 1 6.63% $6,897
    GTE Federal Credit Union 1 6.75% $8,064
    The Freedom Bank of Virginia 1 6.13% $4,340
    CLIFFCO, INC. 1 6.99% $6,069
    ALTRA 1 6.13% $2,552
    Golden Empire Mortgage, Inc. 1 6.25% $9,309
    Colony Bank 1 6.50% $1,448
    Tidewater Home Funding, LLC 1 5.25% $5,686
    First State Bank of St. Charles, Missouri 1 6.25% $12,481
    First State Bank 1 6.63% $5,275
    FIRST SAVINGS MORTGAGE CORPORATION 1 5.50% $6,115
    ALLIANT CREDIT UNION 1 5.50% $1,866
    Trinity Oaks Mortgage, LLC 1 6.25% $24,408
    First National Bank Texas 1 5.75% $330
    First National Bank of Pennsylvania 1 6.63% $9,645
    First National Bank of Omaha 1 6.50% $9,423
    UMB Bank 1 6.63% $17,613
    First National Bank and Trust Company 1 6.63% $3,003
    First Mid Bank & Trust 1 6.25% $5,880
    UNIVERSAL MORTGAGE & FINANCE, INC. 1 5.88% $19,028
    First Merchants Bank 1 7.00% $7,636
    Advance Financial Group, LLC 1 6.50% $12,127
    FIRST FLORIDA Credit Union 1 6.13% $8,813
    COMMUNITYAMERICA 1 6.63% $6,411
    ACHIEVA CREDIT UNION 1 6.38% $6,288
    BANKING MORTGAGE SERVICES, B.M.S. CORP. 1 6.25% $16,528
    Patriot Bank 1 6.00% $10,844
    Pen Air Federal Credit Union 1 7.00% $1,816
    AXIA FINANCIAL, LLC 1 6.75% $12,479
    Pacor Mortgage Corp 1 6.25% $9,864
    FAMILY FINANCE MORTGAGE, LLC 1 6.13% $18,817
    ONE NEVADA CREDIT UNION 1 5.63% $12,228
    ON Q FINANCIAL, INC. 1 6.75% $325
    POLARIS HOME FUNDING CORP. 1 6.25% $9,135
    Northeast Equitable Mortgage, LLC 1 6.13% $5,495
    PREMIER LENDING, INC. 1 6.13% $8,306
    NEW FED MORTGAGE, CORP. 1 6.25% $8,433
    BECKAM FUNDING CORP. 1 7.75% $8,456
    Preston Home Loans Inc 1 5.63% $17,716
    Bethpage Federal Credit Union 1 6.75% $20,082
    MORTGAGE CENTER L.C 1 6.50% $2,581
    Mortgage Assurance Inc. 1 6.63% $10,083
    ML Mortgage Corp. 1 7.25% $7,315
    Core Bank 1 6.25% $3,574
    Red River Bank 1 6.25% $14,632
    MJW Financial LLC 1 5.75% $7,799
    MEGASTAR FINANCIAL CORP. 1 6.25% $11,713
    BOKF 1 6.88% $5,759
    MASON MCDUFFIE MORTGAGE CORPORATION 1 7.25% $21,238
    BROOKHOLLOW MORTGAGE SERVICES, LTD 1 5.88% $7,224
    LENOX FINANCIAL MORTGAGE CORPORATION 1 6.13% $3,198
    SCOTT CREDIT UNION 1 6.13% $5,985
    Academy Bank 1 5.75% $2,804
    Semper Home Loans, Inc. 1 6.25% $11,893
    ENCORE BANK 1 6.13% $37,695
    KeyBank 1 5.00% $13,812
    Shea Mortgage Inc. 1 6.75% $5,053
    SHELTER HOME MORTGAGE, LLC 1 7.25% $7,105
    SmartBank 1 6.25% $14,264
    JMJ FINANCIAL GROUP 1 6.25% $8,875
    CBC Federal Credit Union 1 5.63% $6,496
    JET DIRECT FUNDING CORP 1 5.75% $9,764
    Chambers Bank 1 5.75% $6,173
    INTERLINC MORTGAGE SERVICES, LLC 1 5.75% $7,465
    INTERCAP LENDING INC. 1 5.63% $3,134
    Watermark Capital, Inc. 1 5.75% $3,752
    East Coast Capital Corp. 1 7.00% $0
    DIRECT MORTGAGE, CORP. 1 5.88% $40,379
    CHARTER WEST BANK 1 6.50% $6,095
    INSIGHT 1 6.13% $17,961
    INB 1 6.75% $4,198

    The top Florida VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 5,957 VA loans originated. Their average total fees are $8,731, which is $1,247 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Florida VA lenders (with over 10 loans originated) are SOUTHWEST STAGE FUNDING, LLC ($1,835), VANDERBILT MORTGAGE AND FINANCE, INC. ($2,680), INTELLILOAN, INC. ($3,006), ACOPIA, LLC ($4,034) and PARK SQUARE HOME MORTGAGE, LLC ($4,241).

    The lowest rate Florida VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.87%), HOMEAMERICAN MORTGAGE CORPORATION (4.91%), DHI MORTGAGE COMPANY, LTD. (5.03%), INSPIRE HOME LOANS INC. (5.17%) and VANDERBILT MORTGAGE AND FINANCE, INC. (5.26%).

    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.