Nebraska VA Loan Rates, Closing Costs & Stats
Nebraska
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.
Nebraska VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Nebraska
averaged
-0.42%
for the week of 2023-11-24, compared to the national average (all VA variants) of
0% for the same period.
Nebraska's average VA mortgage closing costs are $4,925.
The average rate for the prior week (2023-11-17) was
6.63% and
one month ago for the week of 2023-10-20, the
average rate was 7.06%.
The average rate one year ago was 6.27%.
For refis of the same type during the week of 2023-11-24, the average rate
was -1.05%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
Nebraska 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 Nebraska level.
Name |
# of Loans |
2022 Avg. 30yFix Rate |
2022 Avg. Closing Costs |
Mortgage Research Center, LLC
|
647
|
5.05%
|
$6,440
|
QUICKEN LOANS, LLC
|
206
|
4.26%
|
$9,108
|
FREEDOM MORTGAGE CORPORATION
|
123
|
4.32%
|
$9,681
|
NAVY FEDERAL CREDIT UNION
|
117
|
4.09%
|
$6,172
|
USAA Federal Savings Bank
|
102
|
4.28%
|
$7,262
|
CHARTER WEST BANK
|
99
|
4.72%
|
$7,809
|
UNITED WHOLESALE MORTGAGE, LLC
|
88
|
4.25%
|
$7,251
|
NEW DAY FINANCIAL, LLC
|
82
|
5.16%
|
$8,691
|
PENNYMAC LOAN SERVICES, LLC
|
78
|
3.42%
|
$8,078
|
NEWREZ LLC
|
74
|
4.25%
|
$7,960
|
CMG MORTGAGE, INC.
|
67
|
4.84%
|
$8,194
|
ARK-LA-TEX FINANCIAL SERVICES, LLC.
|
67
|
4.69%
|
$10,619
|
Core Bank
|
67
|
4.59%
|
$7,425
|
Prosperity Home Mortgage, LLC
|
66
|
4.64%
|
$6,708
|
First National Bank of Omaha
|
60
|
4.59%
|
$7,026
|
West Gate Bank
|
59
|
4.28%
|
$5,955
|
LOANDEPOT.COM, LLC
|
55
|
4.08%
|
$8,149
|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION
|
52
|
4.98%
|
$8,423
|
Regent Financial Group, Inc.
|
52
|
4.75%
|
$9,694
|
Lincoln FSB of Nebraska
|
51
|
4.19%
|
$6,722
|
PENTAGON FEDERAL CREDIT UNION
|
45
|
4.13%
|
$8,019
|
MORIA DEVELOPMENT, INC.
|
41
|
5.15%
|
$9,803
|
Wells Fargo Bank
|
40
|
4.24%
|
$4,726
|
GERSHMAN INVESTMENT CORP.
|
40
|
4.65%
|
$7,291
|
Mr. Cooper ( Nationstar Mortgage )
|
37
|
4.76%
|
$7,674
|
Plains Commerce Bank
|
37
|
4.21%
|
$7,633
|
The Federal Savings Bank
|
32
|
5.10%
|
$12,238
|
Arbor Bank
|
31
|
4.10%
|
$7,675
|
Pinnacle Bank
|
30
|
3.81%
|
$5,257
|
GUILD MORTGAGE COMPANY
|
28
|
5.00%
|
$8,573
|
Access Bank
|
27
|
4.90%
|
$7,348
|
DHI MORTGAGE COMPANY, LTD.
|
27
|
4.26%
|
$11,327
|
CALIBER HOME LOANS, INC.
|
26
|
4.53%
|
$8,004
|
VERIDIAN CREDIT UNION
|
24
|
3.97%
|
$5,374
|
Flagstar Bank, FSB
|
24
|
3.74%
|
$6,210
|
CLEARPATH LENDING
|
22
|
3.31%
|
$11,243
|
CHURCHILL MORTGAGE CORPORATION
|
20
|
4.61%
|
$6,971
|
BROKER SOLUTIONS, INC.
|
20
|
5.19%
|
$10,945
|
Gateway First Bank
|
20
|
4.78%
|
$6,629
|
U.S. Bank
|
20
|
4.70%
|
$6,276
|
MUTUAL OF OMAHA MORTGAGE, INC.
|
19
|
4.63%
|
$11,645
|
AMERISAVE MORTGAGE CORPORATION
|
17
|
4.81%
|
$9,621
|
Citizens Bank
|
16
|
4.50%
|
$7,876
|
Barrington Bank & Trust Company, N.A.
|
16
|
4.58%
|
$7,952
|
HOME POINT FINANCIAL CORPORATION
|
16
|
4.42%
|
$7,452
|
AMCAP MORTGAGE, LTD.
|
15
|
4.80%
|
$11,168
|
First Bank
|
15
|
4.41%
|
$7,637
|
MOVEMENT MORTGAGE, LLC
|
14
|
4.48%
|
$6,343
|
NBKC BANK
|
14
|
4.10%
|
$5,951
|
LAKEVIEW LOAN SERVICING, LLC
|
14
|
3.70%
|
$5,495
|
VILLAGE CAPITAL MORTGAGE
|
13
|
4.10%
|
$7,504
|
LIBERTY FIRST
|
13
|
4.07%
|
$5,824
|
CENTRIS FEDERAL CREDIT UNION
|
12
|
4.25%
|
$5,995
|
First State Bank
|
12
|
4.41%
|
$7,489
|
GUARANTEED RATE, INC.
|
11
|
5.21%
|
$6,659
|
CASTLE & COOKE MORTGAGE, LLC
|
11
|
4.60%
|
$8,281
|
American National Bank
|
11
|
5.18%
|
$6,305
|
Cobalt Credit Union
|
10
|
3.90%
|
$4,920
|
Magnolia Bank
|
8
|
5.08%
|
$12,614
|
DELMAR FINANCIAL COMPANY
|
8
|
4.00%
|
$8,853
|
Armed Forces Bank
|
8
|
4.27%
|
$9,484
|
Frontier Bank
|
8
|
3.30%
|
$5,494
|
AMERICAN FINANCING CORPORATION
|
7
|
3.91%
|
$5,381
|
North American Savings Bank, F.S.B.
|
7
|
5.18%
|
$8,165
|
MORTGAGE SOLUTIONS OF COLORADO, LLC
|
7
|
6.23%
|
$12,660
|
Union Bank and Trust Company
|
7
|
5.30%
|
$8,904
|
CROSSCOUNTRY MORTGAGE, LLC
|
6
|
4.88%
|
$7,455
|
Financial Funding Solutions, Inc.
|
6
|
4.96%
|
$4,875
|
BNC National Bank
|
5
|
3.58%
|
$4,156
|
Security First Bank
|
5
|
3.63%
|
$4,760
|
PRIMELENDING, A PLAINSCAPITAL COMPANY
|
5
|
4.83%
|
$4,013
|
Wyndham Capital Mortgage, Inc.
|
4
|
3.19%
|
$6,004
|
Home Federal Savings & Loan Association of Grand Island
|
4
|
4.75%
|
$5,606
|
Low VA Rates, LLC
|
4
|
5.31%
|
$8,934
|
PLANET HOME LENDING, LLC
|
4
|
4.00%
|
$3,975
|
SOVEREIGN LENDING GROUP INCORPORATED
|
3
|
4.17%
|
$9,744
|
UNION HOME MORTGAGE CORP.
|
3
|
4.96%
|
$7,014
|
Adams Bank & Trust
|
3
|
5.58%
|
$7,107
|
Texana Bank
|
3
|
4.04%
|
$9,209
|
FLAT BRANCH MORTGAGE, INC.
|
3
|
3.75%
|
$5,202
|
U.S. HOME MORTGAGE, INC.
|
3
|
4.96%
|
$7,022
|
BAY EQUITY LLC
|
2
|
5.69%
|
$4,776
|
Paramount Residential Mortgage Group, Inc.
|
2
|
4.75%
|
$13,032
|
CARDINAL FINANCIAL
|
2
|
3.19%
|
$6,676
|
First Interstate Bank
|
2
|
4.31%
|
$4,031
|
S1L, Inc.
|
2
|
4.19%
|
$14,591
|
Allied First Bank,sb
|
2
|
4.31%
|
$8,408
|
First Guaranty Mortgage Corporation
|
2
|
3.94%
|
$5,482
|
Servion, Inc.
|
2
|
5.25%
|
$10,339
|
Nations Lending Corporation
|
2
|
5.13%
|
$11,215
|
Goldwater Bank, N.A.
|
2
|
7.13%
|
$8,769
|
The Central Trust Bank
|
2
|
3.56%
|
$5,725
|
LEADERONE FINANCIAL CORPORATION
|
2
|
5.69%
|
$4,165
|
PREMIA MORTGAGE, LLC
|
2
|
5.88%
|
$2,792
|
Central National Bank
|
2
|
4.25%
|
$13,364
|
Northpointe Bank
|
1
|
5.25%
|
$19,221
|
NOVA FINANCIAL & INVESTMENT CORPORATION
|
1
|
5.49%
|
$4,100
|
DAS Acquisition Company, LLC
|
1
|
4.13%
|
$2,002
|
Community First National Bank
|
1
|
4.75%
|
$6,800
|
CITY FIRST MORTGAGE SERVICES, L.L.C.
|
1
|
5.75%
|
$7,044
|
CHERRY CREEK MORTGAGE, LLC
|
1
|
6.13%
|
$7,475
|
PLAZA HOME MORTGAGE, INC.
|
1
|
5.63%
|
$1,581
|
PNC Bank
|
1
|
2.75%
|
$4,086
|
CENTENNIAL LENDING, LLC
|
1
|
3.13%
|
$14,318
|
Carrington Mortgage Services, LLC
|
1
|
5.00%
|
$6,494
|
RESIDENTIAL BANCORP
|
1
|
2.63%
|
$3,548
|
Capital Bank
|
1
|
6.13%
|
$4,295
|
Service Federal Credit Union
|
1
|
5.75%
|
$5,053
|
SIRVA MORTGAGE, INC.
|
1
|
4.50%
|
$3,672
|
Sunflower Bank
|
1
|
4.49%
|
$2,065
|
CALCON MUTUAL MORTGAGE LLC
|
1
|
5.13%
|
$11,727
|
The Freedom Bank of Virginia
|
1
|
5.25%
|
$18,099
|
BLUELEAF LENDING, LLC
|
1
|
3.25%
|
$1,896
|
Bank of the West
|
1
|
4.00%
|
$9,470
|
Ameris Bank
|
1
|
4.13%
|
$4,306
|
Amerifirst Financial, Inc.
|
1
|
3.75%
|
$8,018
|
AMERICAN PACIFIC MORTGAGE CORPORATION
|
1
|
6.13%
|
$11,457
|
Wallick & Volk, Inc.
|
1
|
6.00%
|
$10,124
|
HOMESIDE FINANCIAL, LLC
|
1
|
3.13%
|
$19,141
|
IMPAC MORTGAGE CORP.
|
1
|
4.50%
|
$4,446
|
Hometown Lenders, Inc.
|
1
|
3.88%
|
$6,110
|
IOWA BANKERS MORTGAGE CORPORATION
|
1
|
3.50%
|
$17,918
|
Jonah Bank of Wyoming
|
1
|
4.63%
|
$0
|
Lakeview Community Capital, LLC
|
1
|
5.13%
|
$1,747
|
HOMEOWNERS FINANCIAL GROUP USA, LLC
|
1
|
6.50%
|
$393
|
FRONTIER FINANCIAL, INC.
|
1
|
5.88%
|
$18,580
|
AIR ACADEMY
|
1
|
2.75%
|
$7,419
|
First Nebraska Bank
|
1
|
5.88%
|
$2,127
|
Meridian Bank Corporation
|
1
|
4.25%
|
$8,475
|
First Federal Bank of Kansas City
|
1
|
3.75%
|
$3,328
|
First Federal Bank
|
1
|
4.63%
|
$4,961
|
FIRST COMMUNITY MORTGAGE, INC.
|
1
|
5.13%
|
$11,562
|
M&T Bank
|
1
|
3.25%
|
$3,437
|
First Bank & Trust
|
1
|
3.38%
|
$4,306
|
FirstBank
|
1
|
2.50%
|
$1,671
|
FINANCE OF AMERICA MORTGAGE LLC
|
1
|
3.88%
|
$23,459
|
Neighborhood Loans, Inc.
|
1
|
4.38%
|
$4,943
|
EVERETT FINANCIAL, INC.
|
1
|
3.13%
|
$905
|
Equity Prime Mortgage LLC
|
1
|
4.88%
|
$26,846
|
Encompass Lending Group, LP
|
1
|
4.75%
|
$8,145
|
The top Nebraska VA lender as defined by loan originations is Mortgage Research Center, LLC, with
647 VA loans originated. Their average total fees are
$6,440, which is $2,668
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Nebraska VA lenders (with over 10 loans originated) are
Wells Fargo Bank ($4,726), Cobalt Credit Union ($4,920), Pinnacle Bank ($5,257), VERIDIAN CREDIT UNION ($5,374) and LAKEVIEW LOAN SERVICING, LLC ($5,495).
The lowest rate Nebraska VA lenders (with over 10 loans originated) are
CLEARPATH LENDING (3.31%), PENNYMAC LOAN SERVICES, LLC (3.42%), LAKEVIEW LOAN SERVICING, LLC (3.70%), Flagstar Bank, FSB (3.74%) and Pinnacle Bank (3.81%).
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.