Nevada VA Loan Rates, Closing Costs & Stats

Nevada

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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.

    Nevada VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Nevada averaged 6.18% for the week of 2023-12-08, compared to the national average (all VA variants) of 6.544% for the same period.

    Nevada's average VA mortgage closing costs are $7,035.

    The average rate for the prior week (2023-12-01) was 6.39% and one month ago for the week of 2023-11-03, the average rate was 7.22%.

    The average rate one year ago was 5.79%.

    For refis of the same type during the week of 2023-12-08, the average rate was 5.08%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Nevada 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 Nevada level.

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Mortgage Research Center, LLC 770 4.86% $10,218
    QUICKEN LOANS, LLC 571 3.85% $13,225
    UNITED WHOLESALE MORTGAGE, LLC 552 4.25% $11,257
    FREEDOM MORTGAGE CORPORATION 488 3.99% $13,360
    GUILD MORTGAGE COMPANY 446 4.60% $13,902
    LOANDEPOT.COM, LLC 438 3.99% $12,274
    NAVY FEDERAL CREDIT UNION 359 3.69% $7,986
    PENNYMAC LOAN SERVICES, LLC 346 3.36% $12,420
    DHI MORTGAGE COMPANY, LTD. 278 4.05% $10,248
    BROKER SOLUTIONS, INC. 188 4.54% $12,300
    EAGLE HOME MORTGAGE, LLC 180 4.51% $7,498
    USAA Federal Savings Bank 162 4.31% $10,628
    The Federal Savings Bank 158 4.40% $17,830
    NEW DAY FINANCIAL, LLC 154 4.84% $14,974
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 141 4.78% $11,876
    PULTE MORTGAGE LLC 140 4.44% $6,945
    HOME POINT FINANCIAL CORPORATION 129 3.95% $9,541
    CLEARPATH LENDING 113 3.53% $13,168
    HOMEAMERICAN MORTGAGE CORPORATION 109 4.04% $4,779
    CARDINAL FINANCIAL 96 4.50% $16,046
    GUARANTEED RATE, INC. 92 4.69% $9,795
    CROSSCOUNTRY MORTGAGE, LLC 87 4.72% $14,193
    INSPIRE HOME LOANS INC. 87 4.21% $18,645
    FINANCE OF AMERICA MORTGAGE LLC 85 4.46% $10,299
    CALIBER HOME LOANS, INC. 85 4.30% $12,356
    AMERISAVE MORTGAGE CORPORATION 84 3.89% $14,990
    KBHS HOME LOANS, LLC 82 4.34% $14,238
    Mr. Cooper ( Nationstar Mortgage ) 80 4.26% $12,119
    Wells Fargo Bank 72 4.18% $7,093
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 69 4.80% $13,060
    CMG MORTGAGE, INC. 64 4.85% $13,914
    South Pacific Financial Corporation 63 4.26% $13,496
    Flagstar Bank, FSB 61 4.12% $10,976
    LOANPAL, LLC 58 3.61% $14,470
    LAKEVIEW LOAN SERVICING, LLC 56 3.11% $5,225
    NEWREZ LLC 54 3.75% $9,001
    MOVEMENT MORTGAGE, LLC 53 4.66% $10,285
    MORTGAGE SOLUTIONS OF COLORADO, LLC 53 5.77% $12,074
    PLANET HOME LENDING, LLC 53 4.38% $10,704
    AXIA FINANCIAL, LLC 51 4.87% $8,681
    Low VA Rates, LLC 49 4.18% $16,582
    VILLAGE CAPITAL MORTGAGE 44 3.83% $12,340
    Barrington Bank & Trust Company, N.A. 44 4.68% $9,155
    NBKC BANK 44 3.82% $9,536
    ONE NEVADA CREDIT UNION 43 3.50% $7,356
    Armed Forces Bank 43 4.09% $8,985
    MANN FINANCIAL INC. 42 4.88% $12,160
    PRIMELENDING, A PLAINSCAPITAL COMPANY 42 4.37% $10,995
    PENTAGON FEDERAL CREDIT UNION 40 3.57% $6,343
    FBC MORTGAGE, LLC 40 4.73% $9,704
    SUMMIT FUNDING, INC. 40 5.34% $11,023
    MUTUAL OF OMAHA MORTGAGE, INC. 38 4.33% $13,257
    HOMEBRIDGE FINANCIAL SERVICES, INC. 38 4.63% $12,509
    AMERICAN PACIFIC MORTGAGE CORPORATION 37 5.04% $12,688
    Prosperity Home Mortgage, LLC 35 4.69% $12,710
    Carrington Mortgage Services, LLC 34 4.29% $13,532
    TBI MORTGAGE COMPANY 28 4.36% $11,904
    North American Savings Bank, F.S.B. 25 3.82% $10,330
    Magnolia Bank 25 4.29% $16,578
    Equity Prime Mortgage LLC 24 5.41% $11,172
    Neighborhood Loans, Inc. 24 4.40% $13,318
    First Guaranty Mortgage Corporation 23 4.25% $11,340
    Amerifirst Financial, Inc. 23 4.63% $10,004
    CASTLE & COOKE MORTGAGE, LLC 22 4.72% $16,865
    NOVA FINANCIAL & INVESTMENT CORPORATION 22 4.84% $8,367
    Northpointe Bank 22 4.31% $10,915
    BAY EQUITY LLC 22 4.45% $13,026
    Texana Bank 20 4.10% $14,178
    DATA MORTGAGE, INC. 19 5.12% $11,426
    Nations Lending Corporation 19 5.00% $16,746
    SECURITYNATIONAL MORTGAGE COMPANY 19 4.57% $13,089
    RESIDENTIAL BANCORP 19 4.58% $15,243
    BNC National Bank 18 4.07% $9,720
    EVERETT FINANCIAL, INC. 18 4.80% $6,959
    LADERA LENDING, INC. 17 4.33% $16,913
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 17 5.02% $12,132
    Sierra Pacific Mortgage Company, Inc. 17 4.14% $13,914
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 17 4.19% $12,114
    Paramount Residential Mortgage Group, Inc. 16 4.89% $17,595
    U.S. Bank 15 4.96% $9,729
    SOVEREIGN LENDING GROUP INCORPORATED 15 3.75% $12,624
    First Federal Bank 15 4.12% $12,403
    Hometown Lenders, Inc. 15 4.44% $8,584
    LEADERONE FINANCIAL CORPORATION 14 4.44% $15,490
    AMERICAN FINANCING CORPORATION 14 3.36% $8,643
    SUN WEST MORTGAGE COMPANY, INC. 14 4.19% $11,084
    Bank of England 14 4.67% $11,417
    JPMorgan Chase Bank 14 4.99% $9,375
    RMS & Associates 14 4.67% $11,525
    PINNACLE LENDING GROUP, INC. 13 4.19% $10,389
    GREATER NEVADA LLC 11 4.98% $9,953
    HAMILTON HOME LOANS, INC. 11 4.20% $11,473
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 11 5.98% $12,542
    Century Mortgage Company DBA Century Lending Company 11 5.34% $4,381
    CANOPY MORTGAGE, LLC 11 4.66% $14,985
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 11 4.59% $10,564
    UNION HOME MORTGAGE CORP. 11 4.95% $11,320
    PRIMARY RESIDENTIAL MORTGAGE, INC. 11 5.20% $15,111
    MASON MCDUFFIE MORTGAGE CORPORATION 10 5.06% $21,102
    Watermark Capital, Inc. 10 3.98% $12,165
    VAN DYK MORTGAGE CORPORATION 10 4.26% $8,245
    CITYWIDE HOME LOANS, LLC 10 4.70% $17,129
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 9 5.06% $10,597
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 9 3.94% $9,298
    Wyndham Capital Mortgage, Inc. 8 3.58% $5,683
    ON Q FINANCIAL, INC. 8 4.31% $10,289
    Gateway First Bank 7 5.29% $15,317
    Sunflower Bank 7 3.68% $12,750
    First Home Bank 7 4.89% $11,822
    ML Mortgage Corp. 7 5.29% $11,728
    BELEM SERVICING LLC 7 3.21% $10,219
    PANORAMA MORTGAGE GROUP, LLC 7 4.93% $16,601
    The Central Trust Bank 7 4.18% $11,888
    KELLER MORTGAGE, LLC 7 5.13% $10,670
    GUARANTEED RATE AFFINITY, LLC 7 3.79% $9,578
    DAS Acquisition Company, LLC 7 5.45% $12,955
    Zions Bank 7 3.73% $8,467
    TOP FLITE FINANCIAL, INC. 6 5.50% $25,145
    INTERCAP LENDING INC. 6 5.56% $6,046
    HighTechLending Inc 6 5.42% $10,978
    GENEVA FINANCIAL, LLC 6 4.96% $19,557
    ACADEMY MORTGAGE CORPORATION 6 4.83% $13,074
    NATIONS DIRECT MORTGAGE, LLC 6 4.52% $7,422
    VERITAS FUNDING, LLC 6 5.48% $21,889
    CLARK COUNTY CREDIT UNION 6 4.60% $6,830
    CHERRY CREEK MORTGAGE, LLC 6 5.73% $9,334
    NP, Inc. 6 2.42% $5,460
    CALCON MUTUAL MORTGAGE LLC 6 4.27% $13,159
    AmRes Corporation 6 4.15% $14,669
    ANGEL OAK HOME LOANS LLC 5 4.68% $10,355
    MID AMERICA MORTGAGE, INC. 5 4.33% $2,719
    PREMIER MORTGAGE RESOURCES, L.L.C. 5 4.43% $19,873
    AMERICA FIRST 5 4.03% $17,673
    NFM, INC. 5 6.05% $12,176
    M&T Bank 4 4.22% $8,199
    AMERICAN FINANCIAL RESOURCES, INC. 4 5.97% $14,621
    CORNERSTONE HOME LENDING, INC. 4 4.16% $4,332
    Cornerstone First Mortgage, Inc 4 3.28% $9,880
    Umpqua Bank 4 4.56% $12,365
    Capital Bank 4 3.34% $10,145
    ZILLOW HOME LOANS, LLC 4 3.47% $15,748
    UNITED MORTGAGE CORP 4 5.34% $14,757
    HOMEOWNERS FINANCIAL GROUP USA, LLC 4 4.00% $10,762
    First Option Mortgage, LLC 4 3.56% $11,330
    PREMIA MORTGAGE, LLC 4 4.44% $4,254
    First Federal Bank of Kansas City 4 4.09% $11,403
    DRAPER AND KRAMER MORTGAGE CORP. 4 4.41% $11,785
    MORTGAGE MANAGEMENT CONSULTANTS, INC. 3 4.29% $4,487
    PACIFIC RESIDENTIAL MORTGAGE, LLC 3 5.33% $11,551
    IMPAC MORTGAGE CORP. 3 3.21% $12,348
    BEST CAPITAL FUNDING 3 4.08% $8,310
    East Coast Capital Corp. 3 5.50% $9,750
    Commerce Home Mortgage, Inc. 3 4.71% $17,739
    Austin Capital Bank SSB 3 4.54% $18,646
    CHURCHILL MORTGAGE CORPORATION 3 5.33% $15,687
    Plains Commerce Bank 3 4.67% $11,573
    SIMPLIFI MORTGAGE, LLC 3 4.71% $6,588
    First Savings Bank 3 3.67% $21,267
    Glacier Bank 3 3.71% $11,494
    Franklin Loan Corporation 3 5.00% $11,664
    Academy Bank 2 3.63% $4,896
    AMERICAN INTERNET MORTGAGE, INC. 2 2.44% $3,504
    Bank of America 2 3.06% $9,300
    DIGNIFIED HOME LOANS, LLC 2 5.50% $35,749
    DIRECT MORTGAGE, CORP. 2 4.56% $15,190
    Evolve Bank & Trust 2 3.44% $4,337
    First National Bank 2 4.44% $18,893
    INFINITY EQUITY GROUP, INC. 2 4.81% $16,511
    LAND HOME FINANCIAL SERVICES, INC. 2 6.00% $19,477
    MEMBER FIRST MORTGAGE, LLC 2 3.50% $7,228
    Pacific Lending LLC 2 3.69% $32,788
    Paramount Bank 2 3.50% $4,958
    PHH Mortgage Corporation 2 5.19% $3,803
    PLAZA HOME MORTGAGE, INC. 2 2.68% $18,209
    Service Federal Credit Union 2 3.56% $5,562
    SWBC MORTGAGE CORPORATION 2 6.69% $7,816
    SYNERGY HOME MORTGAGE, LLC 2 4.69% $5,744
    TJC Mortgage, Inc. 2 2.75% $14,513
    Truist 2 4.88% $6,008
    UNITED 2 4.94% $30,143
    UNITED SECURITY FINANCIAL CORP 2 5.81% $9,676
    UNIVERSAL MORTGAGE & FINANCE, INC. 2 3.81% $9,135
    MOUNTAIN WEST FINANCIAL, INC. 1 3.75% $6,895
    Citizens Bank 1 4.75% $17,549
    Citibank 1 5.75% $4,707
    MLD MORTGAGE INC. 1 6.38% $13,374
    Meridian Bank Corporation 1 4.25% $39,581
    Loan Simple, Inc. 1 3.63% $10,944
    Jonah Bank of Wyoming 1 4.50% $26,389
    The Union Bank Company 1 2.75% $7,131
    Willamette Valley Bank 1 6.25% $15,767
    JMJ FINANCIAL GROUP 1 5.25% $9,160
    Wilson & Muir Bank & Trust Company 1 5.13% $9,442
    JAMES B. NUTTER & COMPANY 1 5.99% $4,752
    ISERVE RESIDENTIAL LENDING, LLC 1 4.13% $16,545
    Bank of the Pacific 1 3.75% $8,377
    HOME FUNDING CORPORATION 1 4.75% $12,025
    AmeriHome Mortgage Company, LLC 1 5.99% $13,603
    Hawthorn Bank 1 4.25% $10,912
    ALAMEDA MORTGAGE CORPORATION 1 2.75% $14,307
    Goldwater Bank, N.A. 1 4.25% $3,456
    FirstBank 1 2.75% $31,191
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 7.25% $9,464
    Community First National Bank 1 5.00% $3,519
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.00% $3,170
    V.I.P. MORTGAGE, INC. 1 4.25% $4,884
    Servion, Inc. 1 5.88% $15,819
    SIRVA MORTGAGE, INC. 1 3.75% $22,906
    PNC Bank 1 5.63% $15,278
    OCMBC, INC. 1 3.75% $7,517
    NBH Bank 1 3.75% $6,117
    SUN AMERICAN MORTGAGE COMPANY 1 5.25% $7,434
    NATIONWIDE MORTGAGE BANKERS, INC. 1 5.25% $11,220

    The top Nevada VA lender as defined by loan originations is Mortgage Research Center, LLC, with 770 VA loans originated. Their average total fees are $10,218, which is $3,007 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Nevada VA lenders (with over 10 loans originated) are Century Mortgage Company DBA Century Lending Company ($4,381), HOMEAMERICAN MORTGAGE CORPORATION ($4,779), LAKEVIEW LOAN SERVICING, LLC ($5,225), PENTAGON FEDERAL CREDIT UNION ($6,343) and PULTE MORTGAGE LLC ($6,945).

    The lowest rate Nevada VA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC (3.11%), PENNYMAC LOAN SERVICES, LLC (3.36%), AMERICAN FINANCING CORPORATION (3.36%), ONE NEVADA CREDIT UNION (3.50%) and CLEARPATH LENDING (3.53%).

    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.