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 -0.22% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    Nevada's average VA mortgage closing costs are $7,307.

    The average rate for the prior week (2024-11-08) was 6.09% and one month ago for the week of 2024-10-11, the average rate was 5.96%.

    The average rate one year ago was 7.05%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0.13%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 524 6.59% $8,252
    UNITED WHOLESALE MORTGAGE, LLC 401 6.18% $9,481
    QUICKEN LOANS, LLC 286 6.07% $14,461
    GUILD MORTGAGE COMPANY 285 6.20% $14,909
    DHI MORTGAGE COMPANY, LTD. 277 5.51% $8,329
    LOANDEPOT.COM, LLC 221 5.79% $14,435
    NAVY FEDERAL CREDIT UNION 181 5.75% $7,485
    EAGLE HOME MORTGAGE, LLC 178 4.95% $7,377
    BROKER SOLUTIONS, INC. 144 6.32% $12,515
    FREEDOM MORTGAGE CORPORATION 119 6.35% $19,635
    PULTE MORTGAGE LLC 115 5.68% $7,052
    HOMEAMERICAN MORTGAGE CORPORATION 104 5.43% $5,822
    KBHS HOME LOANS, LLC 95 5.66% $11,989
    USAA Federal Savings Bank 92 6.04% $13,923
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 86 6.24% $11,608
    PENNYMAC LOAN SERVICES, LLC 82 5.56% $12,800
    CROSSCOUNTRY MORTGAGE, LLC 81 6.53% $11,847
    The Federal Savings Bank 76 6.26% $20,825
    INSPIRE HOME LOANS INC. 73 5.38% $10,767
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 65 6.16% $11,842
    GUARANTEED RATE, INC. 63 6.39% $8,714
    CARDINAL FINANCIAL 62 6.49% $13,430
    NEW DAY FINANCIAL, LLC 62 7.38% $15,972
    CMG MORTGAGE, INC. 56 6.33% $16,648
    AXIA FINANCIAL, LLC 50 6.12% $14,500
    Prosperity Home Mortgage, LLC 50 5.89% $11,678
    AMERICAN FINANCIAL NETWORK, INC. 48 6.26% $11,132
    MOVEMENT MORTGAGE, LLC 44 6.61% $11,593
    NOVA FINANCIAL & INVESTMENT CORPORATION 41 6.29% $9,722
    VILLAGE CAPITAL MORTGAGE 40 6.07% $12,388
    MUTUAL OF OMAHA MORTGAGE, INC. 40 6.38% $13,767
    American Mortgage & Equity Consultants, Inc. 38 6.62% $15,767
    NEWREZ LLC 37 6.48% $9,779
    South Pacific Financial Corporation 36 5.42% $10,032
    PENTAGON FEDERAL CREDIT UNION 34 5.59% $9,963
    Paramount Residential Mortgage Group, Inc. 33 6.24% $11,860
    Century Mortgage Company DBA Century Lending Company 33 6.16% $6,926
    Mr. Cooper ( Nationstar Mortgage ) 32 5.90% $16,543
    AMERICAN PACIFIC MORTGAGE CORPORATION 32 6.63% $12,825
    U.S. Bank 31 5.78% $9,883
    Flagstar Bank, FSB 31 6.35% $9,790
    AMERISAVE MORTGAGE CORPORATION 27 5.62% $17,719
    NBKC BANK 26 5.84% $8,705
    FBC MORTGAGE, LLC 26 6.17% $9,572
    LOANPAL, LLC 26 5.72% $16,095
    MORTGAGE SOLUTIONS OF COLORADO, LLC 25 7.55% $4,100
    PRIMELENDING, A PLAINSCAPITAL COMPANY 24 6.36% $12,136
    Barrington Bank & Trust Company, N.A. 23 6.34% $12,647
    Plains Commerce Bank 23 5.87% $12,155
    SECURITYNATIONAL MORTGAGE COMPANY 23 6.29% $12,739
    SUMMIT FUNDING, INC. 22 6.50% $15,334
    Wells Fargo Bank 21 5.42% $9,363
    SUN WEST MORTGAGE COMPANY, INC. 20 6.31% $10,433
    ONE NEVADA CREDIT UNION 20 5.94% $6,369
    Equity Prime Mortgage LLC 19 6.91% $11,149
    PLANET HOME LENDING, LLC 19 6.07% $11,575
    Armed Forces Bank 18 6.12% $12,342
    PINNACLE LENDING GROUP, INC. 18 6.44% $15,066
    Magnolia Bank 16 6.19% $18,782
    Nations Lending Corporation 15 6.18% $13,667
    RESIDENTIAL BANCORP 15 6.33% $13,927
    GENEVA FINANCIAL, LLC 13 6.66% $13,202
    Bank of England 13 6.12% $10,906
    LEADERONE FINANCIAL CORPORATION 12 6.72% $9,217
    JPMorgan Chase Bank 12 6.13% $6,938
    ISERVE RESIDENTIAL LENDING, LLC 11 6.70% $16,420
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 11 6.53% $10,946
    UNION HOME MORTGAGE CORP. 11 6.35% $11,481
    Gateway First Bank 11 6.56% $9,061
    TBI MORTGAGE COMPANY 10 6.31% $11,816
    GREATER NEVADA LLC 10 6.36% $11,141
    Ixonia Bank 10 6.65% $9,145
    TJC Mortgage, Inc. 10 6.81% $13,494
    INFINITY EQUITY GROUP, INC. 9 6.58% $11,828
    Sierra Pacific Mortgage Company, Inc. 9 6.51% $13,765
    CASTLE & COOKE MORTGAGE, LLC 9 6.49% $10,435
    The Central Trust Bank 9 6.11% $6,610
    INTERCAP LENDING INC. 9 6.06% $8,569
    LADERA LENDING, INC. 8 6.26% $25,903
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 8 6.50% $8,293
    BNC National Bank 8 5.38% $12,925
    EVERETT FINANCIAL, INC. 8 6.33% $11,816
    MANN FINANCIAL INC. 7 7.16% $11,661
    DATA MORTGAGE, INC. 7 6.27% $10,726
    PACIFIC RESIDENTIAL MORTGAGE, LLC 7 6.05% $12,477
    CHERRY CREEK MORTGAGE, LLC 7 6.68% $3,184
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 7 6.25% $8,752
    MASON MCDUFFIE MORTGAGE CORPORATION 7 6.66% $16,933
    NFM, INC. 6 6.54% $19,080
    HOMEBRIDGE FINANCIAL SERVICES, INC. 6 6.73% $8,865
    HighTechLending Inc 6 5.92% $11,301
    OCMBC, INC. 6 6.71% $14,735
    ML Mortgage Corp. 6 6.44% $14,461
    PRIMARY RESIDENTIAL MORTGAGE, INC. 6 6.58% $9,951
    BAY EQUITY LLC 5 6.03% $5,958
    BAY-VALLEY MORTGAGE GROUP 5 5.88% $10,752
    CITYWIDE HOME LOANS, LLC 5 6.05% $16,079
    DAS Acquisition Company, LLC 5 7.30% $16,542
    LAKEVIEW LOAN SERVICING, LLC 5 6.15% $13,246
    PREMIER MORTGAGE RESOURCES, L.L.C. 5 6.20% $18,081
    SOVEREIGN LENDING GROUP INCORPORATED 5 5.30% $18,916
    VERITAS FUNDING, LLC 5 6.93% $21,825
    Franklin Loan Corporation 4 6.50% $10,429
    AMERICA FIRST 4 6.75% $8,006
    SWBC MORTGAGE CORPORATION 4 6.41% $5,743
    SIMPLIFI MORTGAGE, LLC 4 5.91% $27,018
    Zions Bank 4 6.66% $9,837
    ACADEMY MORTGAGE CORPORATION 4 6.56% $10,809
    INTELLILOAN, INC. 4 6.13% $6,431
    TOP FLITE FINANCIAL, INC. 4 6.41% $25,278
    CANOPY MORTGAGE, LLC 4 5.72% $13,182
    NATIONS DIRECT MORTGAGE, LLC 4 6.50% $9,050
    ALAMEDA MORTGAGE CORPORATION 4 6.00% $12,779
    First Federal Bank 4 6.28% $6,979
    CALCON MUTUAL MORTGAGE LLC 3 6.38% $7,771
    CHURCHILL MORTGAGE CORPORATION 3 6.88% $8,740
    Citizens Bank 3 5.13% $17,301
    PLAZA HOME MORTGAGE, INC. 3 5.75% $14,329
    CITY FIRST MORTGAGE SERVICES, L.L.C. 3 6.24% $13,182
    Cornerstone First Mortgage, Inc 3 6.25% $38,900
    PANORAMA MORTGAGE GROUP, LLC 3 6.46% $17,333
    HOMESIDE FINANCIAL, LLC 3 6.79% $11,747
    VAN DYK MORTGAGE CORPORATION 3 6.54% $10,451
    First Savings Bank 3 6.08% $20,323
    First Option Mortgage, LLC 3 6.46% $11,418
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 7.38% $5,048
    FIRST COMMUNITY MORTGAGE, INC. 3 6.38% $18,500
    KELLER MORTGAGE, LLC 3 6.00% $15,585
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 3 6.29% $10,582
    LAND HOME FINANCIAL SERVICES, INC. 2 6.63% $10,329
    GUARANTY HOME MORTGAGE CORPORATION 2 6.00% $9,158
    Network Funding, L.P. 2 7.38% $7,879
    DRAPER AND KRAMER MORTGAGE CORP. 2 6.13% $11,006
    Paramount Bank 2 6.13% $9,602
    CORNERSTONE HOME LENDING, INC. 2 6.75% $10,589
    CLARK COUNTY CREDIT UNION 2 6.19% $29,623
    Willamette Valley Bank 2 6.19% $16,634
    CALIBER HOME LOANS, INC. 2 6.50% $16,985
    RMS & Associates 2 6.44% $15,914
    S1L, Inc. 2 6.44% $7,017
    BRIDGELOCK CAPITAL 2 6.99% $11,524
    Arvest Bank 2 6.19% $4,292
    ZILLOW HOME LOANS, LLC 2 6.13% $17,665
    AmRes Corporation 2 6.31% $14,484
    SUN AMERICAN MORTGAGE COMPANY 2 7.13% $8,390
    AmeriHome Mortgage Company, LLC 2 6.31% $10,971
    Truist 2 6.44% $9,268
    AMERICAN FINANCING CORPORATION 2 5.06% $12,919
    INTERNATIONAL CITY MORTGAGE, INC. 2 6.50% $7,471
    North American Savings Bank, F.S.B. 1 5.13% $6,405
    MOUNTAIN AMERICA 1 6.25% $6,924
    Encompass Lending Group, LP 1 6.75% $24,315
    Farmers Bank & Trust 1 5.13% $4,988
    ALLIED MORTGAGE GROUP, INC. 1 7.25% $5,423
    Hancock Whitney Bank 1 6.00% $6,493
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.88% $13,661
    FINANCE OF AMERICA MORTGAGE LLC 1 5.50% $19,007
    Neighborhood Loans, Inc. 1 5.63% $15,437
    SIRVA MORTGAGE, INC. 1 6.38% $38,851
    SNAPFI, INC. 1 6.63% $12,622
    HomeStreet Bank 1 6.63% $12,064
    Watermark Capital, Inc. 1 5.63% $17,059
    Stifel Bank and Trust 1 5.63% $18,693
    Waterstone Mortgage Corporation 1 6.63% $23,543
    AIR ACADEMY 1 5.63% $8,938
    Ameris Bank 1 6.75% $6,516
    FirstBank 1 6.38% $14,023
    SYNERGY HOME MORTGAGE, LLC 1 5.75% $10,696
    Hometown Equity Mortgage, LLC 1 6.75% $4,450
    NATIONWIDE MORTGAGE BANKERS, INC. 1 5.63% $10,320
    American Mortgage Bank, LLC 1 7.00% $6,845
    The Loan Store, Inc. 1 6.99% $3,836
    AMERICAN INTERNET MORTGAGE, INC. 1 5.63% $8,188
    First Federal Bank of Kansas City 1 7.13% $4,063
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.38% $5,814
    Pacific Lending LLC 1 6.50% $4,856
    JMJ FINANCIAL GROUP 1 5.63% $13,565
    West Gate Bank 1 5.75% $13,358
    ONY GLO, INC. 1 6.75% $6,049
    UNITED SECURITY FINANCIAL CORP 1 6.63% $9,272
    Performance Financial, Inc. 1 7.63% $12,219
    DIRECT MORTGAGE, CORP. 1 7.50% $16,000
    Old National Bank 1 5.63% $6,178
    Citibank 1 5.75% $10,940
    DIRECT MORTGAGE LOANS, LLC 1 5.75% $20,387
    PNC Bank 1 7.50% $38,074
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $6,193
    Northpointe Bank 1 6.63% $45,315
    Carrington Mortgage Services, LLC 1 2.75% $3,180
    Capital Bank 1 5.75% $4,507

    The top Nevada VA lender as defined by loan originations is Mortgage Research Center, LLC, with 524 VA loans originated. Their average total fees are $8,252, which is $1,230 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Nevada VA lenders (with over 10 loans originated) are MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,100), HOMEAMERICAN MORTGAGE CORPORATION ($5,822), ONE NEVADA CREDIT UNION ($6,369), Century Mortgage Company DBA Century Lending Company ($6,926) and JPMorgan Chase Bank ($6,938).

    The lowest rate Nevada VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.95%), INSPIRE HOME LOANS INC. (5.38%), South Pacific Financial Corporation (5.42%), Wells Fargo Bank (5.42%) and HOMEAMERICAN MORTGAGE CORPORATION (5.43%).

    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.