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 2023-01-27, compared to the national average (all VA variants) of 5.952% for the same period.

    Nevada's average VA mortgage closing costs are $6,460.

    The average rate for the prior week (2023-01-20) was 6.11% and one month ago for the week of 2022-12-23, the average rate was 6.38%.

    The average rate one year ago was 3.97%.

    For refis of the same type during the week of 2023-01-27, the average rate was 6.26%.

    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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
    FREEDOM MORTGAGE CORPORATION 2,124 2.39% $3,892
    QUICKEN LOANS, LLC 1,628 2.44% $5,811
    Mortgage Research Center, LLC 1,299 2.81% $7,375
    PENNYMAC LOAN SERVICES, LLC 1,185 2.35% $6,435
    GUILD MORTGAGE COMPANY 1,050 2.74% $8,324
    LOANDEPOT.COM, LLC 1,044 2.48% $5,870
    UNITED WHOLESALE MORTGAGE, LLC 621 2.52% $6,870
    CLEARPATH LENDING 594 2.28% $5,103
    NAVY FEDERAL CREDIT UNION 541 2.47% $5,806
    LAKEVIEW LOAN SERVICING, LLC 432 2.44% $2,872
    BROKER SOLUTIONS, INC. 416 2.84% $7,351
    The Federal Savings Bank 379 2.52% $8,335
    USAA Federal Savings Bank 378 2.81% $4,399
    NEW DAY FINANCIAL, LLC 374 2.74% $9,135
    HOME POINT FINANCIAL CORPORATION 359 2.50% $7,171
    DHI MORTGAGE COMPANY, LTD. 331 2.54% $10,274
    CALIBER HOME LOANS, INC. 310 2.56% $6,140
    Wells Fargo Bank 307 2.51% $4,803
    ALL WESTERN MORTGAGE, INC. 245 3.42% $8,177
    Low VA Rates, LLC 241 2.43% $6,103
    Mr. Cooper ( Nationstar Mortgage ) 235 2.64% $4,795
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 216 2.90% $9,034
    AMERICAN FINANCIAL NETWORK, INC. 188 2.54% $8,132
    EAGLE HOME MORTGAGE, LLC 184 2.91% $6,476
    VILLAGE CAPITAL MORTGAGE 181 2.38% $3,775
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 180 2.80% $8,963
    GUARANTEED RATE, INC. 163 2.74% $7,326
    INSPIRE HOME LOANS INC. 162 2.80% $12,380
    CROSSCOUNTRY MORTGAGE, LLC 150 2.80% $8,898
    HOMEAMERICAN MORTGAGE CORPORATION 148 2.53% $5,251
    PULTE MORTGAGE LLC 147 2.83% $4,272
    LOANPAL, LLC 146 2.49% $7,258
    PLANET HOME LENDING, LLC 144 2.62% $6,259
    FINANCE OF AMERICA MORTGAGE LLC 138 2.88% $8,008
    CELEBRITY HOME LOANS, LLC 129 3.01% $12,542
    Barrington Bank & Trust Company, N.A. 129 2.71% $5,966
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 126 3.22% $11,499
    NBKC BANK 125 2.45% $7,017
    KBHS HOME LOANS, LLC 123 2.72% $11,280
    CMG MORTGAGE, INC. 121 2.98% $11,968
    Carrington Mortgage Services, LLC 117 2.77% $5,417
    NOVA FINANCIAL & INVESTMENT CORPORATION 115 2.80% $7,467
    SUN WEST MORTGAGE COMPANY, INC. 113 2.47% $6,647
    AMERISAVE MORTGAGE CORPORATION 106 2.54% $5,658
    MUTUAL OF OMAHA MORTGAGE, INC. 105 2.52% $7,080
    NEWREZ LLC 103 2.66% $4,014
    North American Savings Bank, F.S.B. 101 2.35% $4,696
    FBC MORTGAGE, LLC 100 2.82% $7,859
    MOVEMENT MORTGAGE, LLC 94 2.83% $5,837
    AXIA FINANCIAL, LLC 93 2.81% $8,545
    MANN FINANCIAL INC. 90 3.01% $10,422
    PENTAGON FEDERAL CREDIT UNION 89 2.33% $2,608
    PRIMELENDING, A PLAINSCAPITAL COMPANY 82 3.10% $9,338
    SUMMIT FUNDING, INC. 76 2.96% $9,836
    KS StateBank 76 2.45% $6,016
    AMERICAN PACIFIC MORTGAGE CORPORATION 71 2.82% $8,427
    SOVEREIGN LENDING GROUP INCORPORATED 68 2.62% $6,750
    Flagstar Bank, FSB 66 2.68% $8,288
    InterContinental Capital Group, Inc 66 2.36% $4,241
    Magnolia Bank 65 2.48% $9,414
    HOMEBRIDGE FINANCIAL SERVICES, INC. 65 2.83% $8,159
    RESIDENTIAL BANCORP. 64 2.91% $11,624
    SWBC MORTGAGE CORPORATION 64 3.15% $8,140
    South Pacific Financial Corporation 59 2.64% $11,556
    Sierra Pacific Mortgage Company, Inc. 57 2.88% $8,757
    ONE NEVADA CREDIT UNION 54 2.38% $4,066
    PINNACLE LENDING GROUP, INC. 54 2.54% $8,860
    NP, Inc. 54 2.31% $4,742
    First Federal Bank 51 3.23% $9,979
    BNC National Bank 49 2.30% $3,823
    ISERVE RESIDENTIAL LENDING, LLC 47 3.14% $10,158
    Paramount Residential Mortgage Group, Inc. 45 2.74% $6,132
    Amerifirst Financial, Inc. 41 2.79% $7,813
    PRIMARY RESIDENTIAL MORTGAGE, INC. 40 2.97% $8,341
    DATA MORTGAGE, INC. 39 2.95% $9,326
    U.S. Bank 39 2.73% $8,151
    Hometown Lenders, Inc. 39 2.96% $9,436
    LEADERONE FINANCIAL CORPORATION 38 2.62% $7,146
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 38 2.53% $8,088
    Northpointe Bank 35 2.90% $7,801
    CANOPY MORTGAGE, LLC 35 2.40% $7,262
    SECURITYNATIONAL MORTGAGE COMPANY 34 2.97% $10,747
    Neighborhood Loans, Inc. 33 2.87% $10,713
    HAMILTON HOME LOANS, INC. 32 2.62% $5,004
    RMS & Associates 32 2.76% $8,856
    MORTGAGE SOLUTIONS OF COLORADO, LLC 32 3.07% $7,976
    First Guaranty Mortgage Corporation 32 2.64% $3,781
    Zions Bancorporation, N.A. 30 2.52% $5,274
    First Option Mortgage, LLC 30 2.99% $9,664
    KELLER MORTGAGE, LLC 28 2.61% $9,468
    LADERA LENDING, INC. 28 2.63% $7,323
    Bank of England 28 2.67% $6,489
    GREATER NEVADA LLC 27 2.94% $11,369
    BAY EQUITY LLC 27 2.76% $11,826
    TBI MORTGAGE COMPANY 26 2.70% $8,410
    Nations Lending Corporation 25 3.36% $13,521
    CALCON MUTUAL MORTGAGE LLC 25 3.11% $12,678
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 24 2.86% $10,243
    Armed Forces Bank 24 2.43% $4,972
    Wyndham Capital Mortgage, Inc. 24 2.33% $4,487
    BELEM SERVICING LLC 24 2.60% $7,469
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 22 3.12% $12,018
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 22 2.98% $10,064
    SYNERGY HOME MORTGAGE, LLC 22 2.85% $9,240
    DIGNIFIED HOME LOANS, LLC 21 2.90% $7,568
    Commerce Home Mortgage, Inc. 20 2.86% $6,445
    VAN DYK MORTGAGE CORPORATION 20 2.56% $5,614
    AMERICAN FINANCING CORPORATION 20 2.53% $5,960
    LENDUS, LLC 20 2.48% $7,891
    INTERCAP LENDING INC. 19 2.80% $8,434
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 19 2.47% $2,520
    DRAPER AND KRAMER MORTGAGE CORP. 19 2.72% $5,479
    Wolfe Financial, Inc 18 3.16% $8,150
    ON Q FINANCIAL, INC. 17 3.18% $9,627
    Glacier Bank 16 2.73% $5,854
    Umpqua Bank 16 2.73% $7,876
    GENEVA FINANCIAL, LLC 16 2.98% $7,218
    OCMBC, INC. 15 2.55% $5,729
    ZILLOW HOME LOANS, LLC 14 2.67% $7,143
    Watermark Capital, Inc. 14 2.42% $4,769
    MASON MCDUFFIE MORTGAGE CORPORATION 14 2.59% $9,161
    AMERICA FIRST 13 2.45% $7,198
    AmRes Corporation 13 2.59% $7,477
    First Home Bank 13 2.59% $9,274
    First Federal Bank of Kansas City 12 2.54% $6,551
    HighTechLending Inc 12 2.91% $7,672
    CHERRY CREEK MORTGAGE, LLC 12 2.72% $2,913
    HOMEOWNERS FINANCIAL GROUP USA, LLC 12 3.04% $8,435
    Meridian Bank Corporation 11 2.45% $4,863
    MID AMERICA MORTGAGE, INC. 11 2.53% $2,033
    DAS Acquisition Company, LLC 11 2.86% $11,315
    FIRST COLONY MORTGAGE CORPORATION 11 2.80% $4,565
    PANORAMA MORTGAGE GROUP, LLC 11 3.01% $10,367
    SIMPLIFI MORTGAGE, LLC 11 2.45% $7,689
    Sunflower Bank 10 2.51% $8,543
    NATIONS DIRECT MORTGAGE, LLC 10 3.51% $6,368
    Gateway First Bank 9 2.82% $11,734
    Austin Capital Bank SSB 9 2.83% $6,193
    Capital Bank 9 2.57% $5,917
    Equity Prime Mortgage LLC 9 3.11% $6,491
    EVERETT FINANCIAL, INC. 9 3.44% $9,960
    MORTGAGE MANAGEMENT CONSULTANTS, INC. 9 3.08% $5,802
    M&T Bank 9 2.58% $3,918
    WESTERN EXPRESS LENDING 9 2.65% $7,004
    UNITED MORTGAGE CORP. 8 2.71% $6,800
    FirstBank 8 2.45% $1,388
    Loan Simple, Inc. 8 2.97% $5,898
    TOP FLITE FINANCIAL, INC. 8 3.14% $17,565
    Paramount Bank 8 2.86% $7,483
    GUARANTEED RATE AFFINITY, LLC 8 2.58% $4,961
    Goldwater Bank, N.A. 7 2.48% $8,452
    Pacific Lending LLC 7 2.70% $5,286
    ALAMEDA MORTGAGE CORPORATION 7 3.11% $10,033
    ANGEL OAK HOME LOANS LLC 7 2.89% $6,824
    LAND HOME FINANCIAL SERVICES, INC. 7 3.00% $5,543
    UNION HOME MORTGAGE CORP. 6 2.65% $7,648
    First Savings Bank 6 2.40% $6,393
    ML Mortgage Corp. 6 3.04% $4,820
    PREMIER MORTGAGE RESOURCES, L.L.C. 6 2.77% $6,488
    Community First National Bank 5 2.85% $4,399
    IMPAC MORTGAGE CORP. 5 2.50% $2,644
    PLAZA HOME MORTGAGE, INC. 5 2.90% $6,198
    Citizens Bank 5 2.48% $7,346
    ACADEMY MORTGAGE CORPORATION 5 2.98% $7,267
    STEARNS LENDING, LLC 5 2.80% $7,901
    INTERNATIONAL CITY MORTGAGE, INC. 5 3.15% $12,145
    S&S Financial 5 2.25% $4,600
    NBH Bank 4 2.38% $1,170
    JMJ FINANCIAL GROUP 4 2.81% $11,524
    JAMES B. NUTTER & COMPANY 4 2.47% $1,727
    Florida Capital Bank 4 2.72% $4,868
    PHH Mortgage Corporation 4 2.81% $3,041
    Red River Bank 4 2.44% $2,287
    CITY FIRST MORTGAGE SERVICES, L.L.C. 4 2.38% $9,935
    BRIDGELOCK CAPITAL 4 2.75% $5,129
    Truist 4 2.72% $4,280
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 3.31% $8,734
    AMERICAN FINANCIAL RESOURCES, INC. 4 3.09% $10,958
    JPMorgan Chase Bank 3 2.96% $8,029
    Texana Bank 3 2.38% $4,152
    Ixonia Bank 3 2.21% $7,923
    CITYWIDE HOME LOANS, LLC 3 3.13% $6,416
    S1L, Inc. 3 3.16% $10,230
    SIRVA MORTGAGE, INC. 3 3.33% $10,696
    Franklin Loan Corporation 3 3.33% $5,458
    BEST CAPITAL FUNDING 3 2.88% $4,347
    HOME FUNDING CORPORATION 3 2.46% $3,887
    MEMBER FIRST MORTGAGE, LLC 3 2.46% $8,778
    MOUNTAIN AMERICA 3 2.42% $11,228
    The Central Trust Bank 3 2.33% $6,425
    Colten Mortgage, LLC 2 3.03% $5,907
    PNC Bank 2 2.88% $7,530
    PREMIA MORTGAGE, LLC 2 2.87% $3,087
    Prosperity Home Mortgage, LLC 2 2.62% $2,397
    First International Bank & Trust 2 2.44% $2,441
    NFM, INC. 2 2.88% $10,329
    CORNERSTONE HOME LENDING, INC. 2 2.75% $22,590
    Core Bank 2 2.38% $11,292
    SNAPFI, INC. 2 2.63% $10,043
    INFINITY EQUITY GROUP, INC. 2 2.88% $7,240
    Plains Commerce Bank 2 2.56% $7,195
    INTELLILOAN, INC. 2 2.63% $5,539
    Stride Bank 2 2.94% $13,958
    Willamette Valley Bank 2 3.19% $11,183
    CHURCHILL MORTGAGE CORPORATION 2 3.19% $7,728
    CASTLE & COOKE MORTGAGE, LLC 2 2.69% $5,304
    United Fidelity Funding Corp. 2 2.56% $7,512
    Bank of the West 2 3.06% $9,580
    Arvest Bank 2 2.75% $6,686
    EMBRACE HOME LOANS, INC. 1 2.50% $21,742
    Hometown Equity Mortgage, LLC 1 3.75% $3,278
    First Western Trust Bank 1 2.38% $2,384
    First Bank 1 3.25% $3,266
    MOUNTAIN WEST FINANCIAL, INC. 1 3.00% $1,437
    MORIA DEVELOPMENT, INC. 1 2.38% $3,436
    The First National Bank of Middle Tennessee 1 2.63% $18,672
    TIAA, FSB 1 2.25% $3,846
    TJC Mortgage, Inc. 1 3.00% $4,917
    JMAC LENDING, INC. 1 2.25% $5,672
    First Internet Bank of Indiana 1 2.50% $26,303
    BOKF 1 2.50% $3,862
    Allied First Bank,sb 1 2.25% $14,544
    FIRST STATE MORTGAGE SERVICES, LLC 1 2.25% $2,812
    Jonah Bank of Wyoming 1 2.38% $29,319
    UNITED SECURITY FINANCIAL CORP 1 2.38% $5,868
    First Midwest Bank 1 2.38% $11,348
    UNIVERSAL MORTGAGE & FINANCE, INC. 1 3.00% $6,812
    Service Federal Credit Union 1 2.88% $2,292
    BECKAM FUNDING CORP. 1 2.63% $2,501
    Bank of Utah 1 2.75% $4,321
    DIRECT MORTGAGE, CORP. 1 2.25% $2,817
    HomeStreet Bank 1 2.38% $3,286
    FIRST NATIONS HOME FINANCE CORPORATION 1 2.75% $3,658
    V.I.P. MORTGAGE, INC. 1 3.25% $4,937
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 3.50% $8,726
    AMERICAN ADVISORS GROUP 1 2.38% $6,633
    First National Bank 1 2.38% $5,448
    East Coast Capital Corp. 1 2.75% $3,260
    Great Plains National Bank 1 2.25% $2,381
    Citizens National Bank of Greater St. Louis 1 2.75% $14,861

    The top Nevada VA lender as defined by loan originations is FREEDOM MORTGAGE CORPORATION, with 2,124 VA loans originated. Their average total fees are $3,892, which is $1,918 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Nevada VA lenders (with over 10 loans originated) are MID AMERICA MORTGAGE, INC. ($2,033), AMERICAN PORTFOLIO MORTGAGE CORPORATION ($2,520), PENTAGON FEDERAL CREDIT UNION ($2,608), LAKEVIEW LOAN SERVICING, LLC ($2,872) and CHERRY CREEK MORTGAGE, LLC ($2,913).

    The lowest rate Nevada VA lenders (with over 10 loans originated) are CLEARPATH LENDING (2.28%), BNC National Bank (2.30%), NP, Inc. (2.31%), Wyndham Capital Mortgage, Inc. (2.33%) and PENTAGON FEDERAL CREDIT UNION (2.33%).

    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.