Nebraska VA Loan Rates, Closing Costs & Stats

Nebraska

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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.

    Nebraska VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Nebraska averaged 6.21% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Nebraska's average VA mortgage closing costs are $5,357.

    The average rate for the prior week (2025-03-28) was 6.53% and one month ago for the week of 2025-02-28, the average rate was 6.6%.

    The average rate one year ago was 6.71%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.16%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 679 6.39% $5,567
    UNITED WHOLESALE MORTGAGE, LLC 211 5.95% $6,918
    QUICKEN LOANS, LLC 139 6.13% $9,650
    PENNYMAC LOAN SERVICES, LLC 129 5.68% $7,219
    CHARTER WEST BANK 116 6.14% $6,856
    FREEDOM MORTGAGE CORPORATION 115 6.27% $6,784
    NAVY FEDERAL CREDIT UNION 103 5.92% $4,748
    CMG MORTGAGE, INC. 71 6.22% $8,946
    GUARANTEED RATE, INC. 68 6.18% $5,950
    DHI MORTGAGE COMPANY, LTD. 64 5.36% $9,353
    USAA Federal Savings Bank 61 6.23% $6,743
    West Gate Bank 60 5.95% $6,232
    NEW DAY FINANCIAL, LLC 58 7.34% $8,632
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 56 6.21% $7,275
    First National Bank of Omaha 56 6.34% $6,217
    Lincoln FSB of Nebraska 49 5.93% $5,712
    NEWREZ LLC 48 6.17% $7,253
    Prosperity Home Mortgage, LLC 47 6.26% $5,593
    Pinnacle Bank 47 5.96% $5,555
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 41 6.32% $6,937
    GUILD MORTGAGE COMPANY 40 5.90% $6,993
    Access Bank 40 6.05% $6,338
    CROSSCOUNTRY MORTGAGE, LLC 39 6.44% $8,081
    Core Bank 37 6.07% $7,018
    GERSHMAN INVESTMENT CORP. 37 6.22% $5,185
    PLANET HOME LENDING, LLC 35 5.84% $3,722
    The Federal Savings Bank 32 6.19% $15,211
    Plains Commerce Bank 29 6.23% $6,948
    LOANDEPOT.COM, LLC 29 6.16% $8,833
    VILLAGE CAPITAL MORTGAGE 29 5.80% $4,733
    VERIDIAN CREDIT UNION 26 5.61% $5,676
    Regent Financial Group, Inc. 24 6.31% $7,266
    MORIA DEVELOPMENT, INC. 22 6.43% $5,842
    LAKEVIEW LOAN SERVICING, LLC 22 5.75% $6,253
    CHURCHILL MORTGAGE CORPORATION 21 6.55% $9,649
    NBKC BANK 21 5.93% $7,185
    LIBERTY FIRST 21 6.17% $5,510
    Mr. Cooper ( Nationstar Mortgage ) 21 6.19% $9,588
    Arbor Bank 17 6.27% $4,981
    CASTLE & COOKE MORTGAGE, LLC 17 6.25% $7,841
    Union Bank and Trust Company 17 6.26% $8,158
    MUTUAL OF OMAHA MORTGAGE, INC. 16 6.20% $13,300
    MORTGAGE SOLUTIONS OF COLORADO, LLC 14 6.73% $4,989
    CLEARPATH LENDING 14 5.86% $6,855
    U.S. Bank 14 6.24% $7,194
    Barrington Bank & Trust Company, N.A. 13 6.37% $6,454
    Gateway First Bank 12 6.26% $4,503
    First Bank 12 6.08% $7,348
    First Federal Bank 11 5.70% $5,048
    Cobalt Credit Union 11 6.02% $5,944
    BROKER SOLUTIONS, INC. 10 6.75% $8,311
    PENTAGON FEDERAL CREDIT UNION 10 6.30% $6,529
    American National Bank 8 6.05% $9,427
    HOMEBRIDGE FINANCIAL SERVICES, INC. 8 6.30% $1,980
    UNION HOME MORTGAGE CORP. 7 6.29% $9,031
    Wells Fargo Bank 7 6.54% $6,764
    DELMAR FINANCIAL COMPANY 7 6.52% $7,160
    Carrington Mortgage Services, LLC 7 6.05% $7,169
    Flagstar Bank, FSB 7 6.25% $4,977
    Magnolia Bank 6 5.81% $18,682
    Paramount Residential Mortgage Group, Inc. 6 6.54% $9,043
    TruHome Solutions, LLC 6 6.15% $7,676
    Security First Bank 6 6.23% $2,694
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.53% $2,178
    MOVEMENT MORTGAGE, LLC 5 6.38% $10,377
    PREMIA MORTGAGE, LLC 4 6.10% $6,234
    AMERICAN FINANCIAL NETWORK, INC. 4 6.41% $4,897
    AMERICAN FINANCING CORPORATION 4 5.75% $18,570
    American Mortgage & Equity Consultants, Inc. 4 6.63% $10,846
    AMERISAVE MORTGAGE CORPORATION 4 5.78% $29,130
    CENTENNIAL LENDING, LLC 4 6.22% $6,074
    FIRST COMMUNITY MORTGAGE, INC. 4 6.18% $9,956
    First State Bank 4 6.13% $7,042
    Northwest Bank 4 5.81% $6,466
    Old National Bank 4 5.75% $5,039
    CARDINAL FINANCIAL 3 6.04% $10,204
    V.I.P. MORTGAGE, INC. 3 6.04% $12,530
    Armed Forces Bank 3 6.00% $6,121
    SUN WEST MORTGAGE COMPANY, INC. 3 6.37% $6,723
    Equity Prime Mortgage LLC 3 6.29% $11,920
    JPMorgan Chase Bank 3 5.83% $9,247
    Cornerstone First Mortgage, Inc 2 5.63% $17,703
    Northpointe Bank 2 6.44% $18,589
    Dundee Bank 2 6.25% $6,705
    Citizens Bank 2 6.00% $7,105
    Farmers Bank & Trust 2 6.18% $9,292
    PHH Mortgage Corporation 2 6.18% $5,125
    EVERETT FINANCIAL, INC. 2 6.69% $29,363
    Wallick & Volk, Inc. 2 7.19% $8,354
    ALLIANT CREDIT UNION 2 5.75% $7,007
    BMO Harris Bank 2 6.31% $9,421
    PLAZA HOME MORTGAGE, INC. 2 5.56% $7,603
    Adams Bank & Trust 2 5.19% $4,340
    Granite Community Bank 2 6.38% $8,174
    ZILLOW HOME LOANS, LLC 2 5.88% $7,829
    FLAT BRANCH MORTGAGE, INC. 2 6.81% $6,181
    Central National Bank 1 7.63% $4,438
    Truist 1 6.25% $2,248
    UMB Bank 1 6.25% $8,475
    Capital Bank 1 6.63% $10,494
    Bell Bank 1 5.75% $14,494
    Arvest Bank 1 6.38% $6,385
    Ixonia Bank 1 5.63% $19,397
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.25% $22,442
    LEADERONE FINANCIAL CORPORATION 1 5.75% $7,414
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $11,836
    INTERCAP LENDING INC. 1 6.13% $2,967
    HOMESIDE FINANCIAL, LLC 1 6.75% $7,296
    NBH Bank 1 5.75% $4,121
    GENEVA FINANCIAL, LLC 1 6.75% $7,517
    Fortress Bank 1 6.25% $4,250
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 5.75% $6,897
    First Interstate Bank 1 6.50% $2,400
    PNC Bank 1 6.75% $10,247
    CORNHUSKER BANK 1 5.63% $7,032
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.49% $2,510
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.63% $9,206
    COMMUNITYAMERICA 1 6.13% $3,385
    Chambers Bank 1 6.63% $8,566
    SeaTrust Mortgage Company 1 6.25% $1,369
    CENTRIS FEDERAL CREDIT UNION 1 7.00% $16,566
    Service Federal Credit Union 1 6.50% $15,203
    Servion, Inc. 1 6.00% $10,446
    Sierra Pacific Mortgage Company, Inc. 1 6.63% $1,787
    Stride Bank 1 6.63% $2,813
    The Central Trust Bank 1 6.63% $9,836

    The top Nebraska VA lender as defined by loan originations is Mortgage Research Center, LLC, with 679 VA loans originated. Their average total fees are $5,567, which is $1,351 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Nebraska VA lenders (with over 10 loans originated) are PLANET HOME LENDING, LLC ($3,722), Gateway First Bank ($4,503), VILLAGE CAPITAL MORTGAGE ($4,733), NAVY FEDERAL CREDIT UNION ($4,748) and Arbor Bank ($4,981).

    The lowest rate Nebraska VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.36%), VERIDIAN CREDIT UNION (5.61%), PENNYMAC LOAN SERVICES, LLC (5.68%), First Federal Bank (5.70%) and LAKEVIEW LOAN SERVICING, LLC (5.75%).

    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.