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 0.3% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Nevada's average VA mortgage closing costs are $7,487.

    The average rate for the prior week (2025-06-27) was 6.54% and one month ago for the week of 2025-05-30, the average rate was 6.76%.

    The average rate one year ago was 6.68%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.02%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 729 5.94% $9,017
    Mortgage Research Center, LLC 700 6.27% $7,128
    DHI MORTGAGE COMPANY, LTD. 396 5.27% $7,713
    FREEDOM MORTGAGE CORPORATION 391 6.03% $9,955
    GUILD MORTGAGE COMPANY 363 6.07% $13,483
    QUICKEN LOANS, LLC 328 5.94% $12,307
    EAGLE HOME MORTGAGE, LLC 194 4.80% $6,928
    NAVY FEDERAL CREDIT UNION 190 5.92% $6,996
    LOANDEPOT.COM, LLC 180 5.81% $12,933
    PENNYMAC LOAN SERVICES, LLC 142 5.71% $10,738
    HOMEAMERICAN MORTGAGE CORPORATION 138 5.15% $5,145
    CROSSCOUNTRY MORTGAGE, LLC 137 6.19% $8,361
    BROKER SOLUTIONS, INC. 113 6.20% $10,690
    VILLAGE CAPITAL MORTGAGE 99 5.61% $7,647
    GUARANTEED RATE, INC. 97 6.02% $7,243
    PULTE MORTGAGE LLC 95 5.57% $6,043
    NEWREZ LLC 94 5.94% $9,743
    KBHS HOME LOANS, LLC 93 5.48% $8,409
    INSPIRE HOME LOANS INC. 92 5.48% $8,940
    USAA Federal Savings Bank 90 6.13% $10,366
    NEW DAY FINANCIAL, LLC 82 7.45% $15,079
    The Federal Savings Bank 81 6.11% $22,725
    MOVEMENT MORTGAGE, LLC 66 6.45% $12,736
    LAKEVIEW LOAN SERVICING, LLC 64 5.73% $6,112
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 64 6.52% $9,283
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 62 6.12% $14,207
    CMG MORTGAGE, INC. 58 6.07% $14,117
    MUTUAL OF OMAHA MORTGAGE, INC. 53 6.33% $14,260
    PLANET HOME LENDING, LLC 50 5.60% $6,313
    MORTGAGE SOLUTIONS OF COLORADO, LLC 48 6.88% $6,224
    U.S. Bank 48 5.81% $12,592
    CLEARPATH LENDING 47 5.65% $9,917
    Mr. Cooper ( Nationstar Mortgage ) 43 6.00% $10,461
    NBKC BANK 41 5.75% $8,626
    CARDINAL FINANCIAL 38 6.49% $12,688
    FBC MORTGAGE, LLC 33 5.94% $10,214
    South Pacific Financial Corporation 33 5.31% $8,901
    SUN WEST MORTGAGE COMPANY, INC. 31 6.03% $8,532
    NOVA FINANCIAL & INVESTMENT CORPORATION 30 6.19% $8,600
    Barrington Bank & Trust Company, N.A. 29 6.46% $7,147
    TBI MORTGAGE COMPANY 28 5.73% $7,959
    SECURITYNATIONAL MORTGAGE COMPANY 27 6.41% $13,912
    Century Mortgage Company DBA Century Lending Company 27 6.19% $8,299
    Carrington Mortgage Services, LLC 26 5.99% $11,360
    ONE NEVADA CREDIT UNION 25 5.74% $5,712
    Prosperity Home Mortgage, LLC 25 5.95% $10,059
    LOANPAL, LLC 24 5.53% $13,000
    AMERICAN FINANCIAL NETWORK, INC. 24 6.08% $11,878
    First Federal Bank 24 5.81% $8,026
    PENTAGON FEDERAL CREDIT UNION 23 5.98% $8,196
    PHH Mortgage Corporation 22 5.54% $4,925
    Flagstar Bank, FSB 22 6.35% $14,477
    Armed Forces Bank 22 6.31% $10,091
    Paramount Residential Mortgage Group, Inc. 22 6.30% $10,524
    CASTLE & COOKE MORTGAGE, LLC 21 6.45% $11,577
    Magnolia Bank 21 5.77% $16,438
    PRIMELENDING, A PLAINSCAPITAL COMPANY 21 6.36% $8,105
    The Loan Store, Inc. 21 6.12% $9,883
    ISERVE RESIDENTIAL LENDING, LLC 21 6.24% $13,327
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 20 6.20% $7,401
    HOMEBRIDGE FINANCIAL SERVICES, INC. 19 6.31% $5,499
    TJC Mortgage, Inc. 19 6.28% $15,710
    BAY EQUITY LLC 18 6.28% $8,410
    CANOPY MORTGAGE, LLC 18 5.93% $18,095
    American Mortgage & Equity Consultants, Inc. 17 6.29% $13,429
    ZILLOW HOME LOANS, LLC 17 6.22% $9,725
    Equity Prime Mortgage LLC 17 6.58% $10,783
    AMERICAN PACIFIC MORTGAGE CORPORATION 17 6.69% $15,620
    AXIA FINANCIAL, LLC 16 6.52% $9,501
    Plains Commerce Bank 15 5.88% $11,155
    Nations Lending Corporation 14 6.13% $11,204
    Texana Bank 13 6.04% $16,375
    FIRST COLONY MORTGAGE CORPORATION 13 5.92% $8,802
    ALLIED MORTGAGE GROUP, INC. 13 6.10% $11,025
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 12 6.13% $11,515
    MASON MCDUFFIE MORTGAGE CORPORATION 12 6.46% $14,950
    HOMESIDE FINANCIAL, LLC 12 6.22% $10,401
    PREMIER MORTGAGE RESOURCES, L.L.C. 12 5.92% $19,245
    SUMMIT FUNDING, INC. 11 5.98% $11,680
    TOP FLITE FINANCIAL, INC. 11 6.59% $12,041
    JPMorgan Chase Bank 11 6.42% $6,309
    HighTechLending Inc 10 6.57% $14,943
    CLM MORTGAGE, INC 10 5.76% $7,489
    UNION HOME MORTGAGE CORP. 10 6.14% $11,479
    The Central Trust Bank 9 6.43% $11,706
    Gateway First Bank 9 6.47% $8,931
    GENEVA FINANCIAL, LLC 9 6.67% $15,431
    INTELLILOAN, INC. 9 5.94% $3,042
    LADERA LENDING, INC. 9 6.00% $8,061
    PRIMARY RESIDENTIAL MORTGAGE, INC. 9 6.47% $5,762
    PANORAMA MORTGAGE GROUP, LLC 8 6.48% $12,228
    AmeriHome Mortgage Company, LLC 8 6.00% $11,401
    AMERISAVE MORTGAGE CORPORATION 8 5.42% $27,661
    Bank of England 8 6.11% $8,687
    RMS & Associates 8 6.42% $18,837
    NATIONS DIRECT MORTGAGE, LLC 8 6.58% $10,773
    PLAZA HOME MORTGAGE, INC. 7 6.02% $11,832
    Ixonia Bank 7 6.13% $11,292
    Paramount Bank 7 6.45% $5,820
    Wells Fargo Bank 7 5.91% $10,824
    AMERICAN FINANCIAL RESOURCES, INC. 7 6.77% $7,952
    V.I.P. MORTGAGE, INC. 7 6.30% $9,642
    Sierra Pacific Mortgage Company, Inc. 6 6.44% $11,048
    INTERCAP LENDING INC. 6 5.96% $4,753
    AMERICAN FINANCING CORPORATION 6 5.60% $21,198
    DATA MORTGAGE, INC. 6 6.21% $5,253
    INFINITY EQUITY GROUP, INC. 6 6.96% $15,863
    GREATER NEVADA LLC 6 6.46% $12,499
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 6 6.37% $9,156
    Franklin Loan Corporation 6 6.21% $8,858
    OCMBC, INC. 6 6.67% $9,579
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 6.10% $9,659
    Zions Bank 5 6.18% $11,384
    ALAMEDA MORTGAGE CORPORATION 5 6.35% $7,703
    EVERETT FINANCIAL, INC. 5 5.68% $10,596
    LEADERONE FINANCIAL CORPORATION 5 6.85% $10,199
    ML Mortgage Corp. 5 6.38% $7,644
    North American Savings Bank, F.S.B. 4 5.50% $13,245
    CALCON MUTUAL MORTGAGE LLC 4 6.00% $19,888
    MORIA DEVELOPMENT, INC. 4 6.41% $15,344
    CHURCHILL MORTGAGE CORPORATION 4 6.06% $14,387
    Cornerstone First Mortgage, Inc 4 6.06% $7,480
    CITY FIRST MORTGAGE SERVICES, L.L.C. 4 6.13% $11,993
    S1L, Inc. 3 6.46% $10,433
    Home Mortgage Alliance Corp 3 6.46% $11,334
    GUARANTEED RATE AFFINITY, LLC 3 6.18% $4,781
    PACIFIC RESIDENTIAL MORTGAGE, LLC 3 6.92% $11,509
    Performance Financial, Inc. 3 6.29% $5,247
    DAS Acquisition Company, LLC 3 6.33% $8,556
    Sunflower Bank 3 6.33% $7,063
    Ameris Bank 3 5.58% $5,639
    1st Security Bank of Washington 3 6.54% $6,310
    UMB Bank 3 6.25% $16,467
    UNITED MORTGAGE CORP 3 6.50% $10,682
    MORTGAGE MANAGEMENT CONSULTANTS, INC. 2 6.50% $14,361
    PREMIA MORTGAGE, LLC 2 5.50% $8,040
    FIRST COMMUNITY MORTGAGE, INC. 2 7.06% $2,543
    MORTGAGEONE, INC. 2 5.75% $4,090
    GoPrime Mortgage, Inc. 2 5.75% $6,871
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 2 6.44% $13,225
    ON Q FINANCIAL, INC. 2 6.69% $7,506
    JMAC LENDING, INC. 2 6.19% $4,657
    VAN DYK MORTGAGE CORPORATION 2 6.25% $10,781
    CLARK COUNTY CREDIT UNION 2 6.06% $19,902
    LAND HOME FINANCIAL SERVICES, INC. 2 5.81% $19,283
    T2 FINANCIAL LLC 2 6.12% $17,970
    DIRECT MORTGAGE LOANS, LLC 2 7.13% $6,765
    Watermark Capital, Inc. 2 6.31% $8,271
    Bank of Utah 1 6.00% $7,772
    SUN AMERICAN MORTGAGE COMPANY 1 5.99% $15,217
    Washington Trust Bank 1 5.75% $19,867
    Bank of America 1 6.38% $10,307
    SWBC MORTGAGE CORPORATION 1 6.75% $875
    HomeStreet Bank 1 6.38% $7,987
    MLD MORTGAGE INC. 1 6.63% $4,064
    The First National Bank of Middle Tennessee 1 5.75% $7,472
    The Huntington National Bank 1 6.88% $3,107
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 4.99% $4,892
    MEMBER FIRST MORTGAGE, LLC 1 6.25% $0
    Truist 1 5.13% $12,310
    INTERCOASTAL MORTGAGE COMPANY 1 5.63% $65,455
    Umpqua Bank 1 6.38% $7,777
    HANSCOM 1 6.38% $5,725
    UNITED 1 5.75% $14,124
    Academy Bank 1 6.25% $2,892
    AMERICA FIRST 1 5.13% $6,129
    ALTITUDE FINANCIAL CORPORATION 1 6.25% $4,934
    ALLIANT CREDIT UNION 1 5.38% $4,732
    Pacific Lending LLC 1 6.13% $4,444
    Extraco Banks 1 7.13% $7,811
    Northpointe Bank 1 6.88% $3,612
    East Coast Capital Corp. 1 5.63% $8,833
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 6.63% $43,208
    Farmers Bank & Trust 1 5.75% $10,802
    NETWORK CAPITAL FUNDING CORPORATION 1 6.63% $12,518
    First National Bank Texas 1 6.13% $5,778
    First Option Mortgage, LLC 1 7.13% $1,539
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.25% $26,667
    Glacier Bank 1 6.13% $9,965
    Blue Ridge Bank 1 5.88% $7,923
    BELEM SERVICING LLC 1 5.99% $21,710
    RESIDENTIAL BANCORP 1 5.99% $17,491
    RESIDENTIAL MORTGAGE, LLC 1 6.63% $23,166
    Golden Empire Mortgage, Inc. 1 5.75% $4,369
    BAY-VALLEY MORTGAGE GROUP 1 6.75% $1,519
    MOUNTAIN AMERICA 1 5.75% $4,131
    SNAPFI, INC. 1 6.38% $49,719

    The top Nevada VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 729 VA loans originated. Their average total fees are $9,017, which is $1,889 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Nevada VA lenders (with over 10 loans originated) are PHH Mortgage Corporation ($4,925), HOMEAMERICAN MORTGAGE CORPORATION ($5,145), HOMEBRIDGE FINANCIAL SERVICES, INC. ($5,499), ONE NEVADA CREDIT UNION ($5,712) and PULTE MORTGAGE LLC ($6,043).

    The lowest rate Nevada VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.80%), HOMEAMERICAN MORTGAGE CORPORATION (5.15%), DHI MORTGAGE COMPANY, LTD. (5.27%), South Pacific Financial Corporation (5.31%) and INSPIRE HOME LOANS INC. (5.48%).

    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.