Florida VA Loan Rates, Closing Costs & Stats

Florida

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.