Oregon VA Loan Rates, Closing Costs & Stats

Oregon

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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.

    Oregon VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Oregon averaged 6.4% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Oregon's average VA mortgage closing costs are $7,484.

    The average rate for the prior week (2025-03-28) was 6.62% and one month ago for the week of 2025-02-28, the average rate was 6.29%.

    The average rate one year ago was 6.9%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.06%.

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

    Oregon 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 Oregon level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 655 5.86% $9,695
    Mortgage Research Center, LLC 645 6.27% $6,534
    QUICKEN LOANS, LLC 255 5.96% $12,763
    FREEDOM MORTGAGE CORPORATION 232 6.05% $11,463
    GUILD MORTGAGE COMPANY 229 6.02% $12,260
    NEWREZ LLC 177 6.06% $9,123
    NATIONS DIRECT MORTGAGE, LLC 167 6.18% $10,913
    CMG MORTGAGE, INC. 133 6.06% $12,983
    NAVY FEDERAL CREDIT UNION 118 5.87% $6,897
    USAA Federal Savings Bank 93 6.05% $10,311
    PENNYMAC LOAN SERVICES, LLC 84 5.72% $10,543
    VILLAGE CAPITAL MORTGAGE 83 5.73% $7,441
    CROSSCOUNTRY MORTGAGE, LLC 81 6.31% $9,091
    LOANDEPOT.COM, LLC 80 5.93% $12,521
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 79 6.37% $7,084
    SUMMIT FUNDING, INC. 72 6.11% $12,544
    Century Mortgage Company DBA Century Lending Company 66 6.09% $7,687
    MOVEMENT MORTGAGE, LLC 50 6.40% $13,279
    AMERICAN PACIFIC MORTGAGE CORPORATION 50 6.46% $12,618
    The Federal Savings Bank 49 6.06% $20,130
    NEW DAY FINANCIAL, LLC 48 7.32% $13,360
    DHI MORTGAGE COMPANY, LTD. 47 5.26% $6,972
    Nations Lending Corporation 47 6.31% $7,289
    MORTGAGE EXPRESS, LLC 44 6.32% $13,082
    GUARANTEED RATE, INC. 44 6.02% $5,679
    EAGLE HOME MORTGAGE, LLC 43 5.66% $6,155
    S1L, Inc. 40 6.15% $11,117
    DIRECTORS MORTGAGE, INC. 31 6.39% $15,055
    PACIFIC RESIDENTIAL MORTGAGE, LLC 30 6.48% $14,338
    Flagstar Bank, FSB 30 6.24% $8,218
    Umpqua Bank 29 6.52% $8,186
    LAKEVIEW LOAN SERVICING, LLC 28 5.72% $8,600
    BROKER SOLUTIONS, INC. 28 6.37% $10,058
    Magnolia Bank 28 5.81% $19,532
    PLANET HOME LENDING, LLC 26 5.46% $6,230
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 24 6.48% $14,858
    The Loan Store, Inc. 23 6.29% $9,462
    NBKC BANK 23 5.83% $6,803
    MUTUAL OF OMAHA MORTGAGE, INC. 23 6.13% $12,279
    Sunflower Bank 23 6.07% $9,758
    Sierra Pacific Mortgage Company, Inc. 22 6.19% $11,618
    ENVOY MORTGAGE, LTD 22 6.10% $9,248
    PLAZA HOME MORTGAGE, INC. 22 6.23% $14,316
    Mr. Cooper ( Nationstar Mortgage ) 22 6.29% $12,399
    MASON MCDUFFIE MORTGAGE CORPORATION 21 6.37% $10,895
    ROGUE 21 6.77% $8,228
    SUN WEST MORTGAGE COMPANY, INC. 21 5.98% $11,682
    U.S. Bank 20 6.11% $9,256
    First Federal Bank 20 5.74% $8,512
    OnPoint Community Credit Union 19 6.34% $5,666
    Willamette Valley Bank 19 5.84% $8,573
    Banner Bank 19 5.99% $10,890
    GoPrime Mortgage, Inc. 19 6.38% $9,028
    CHURCHILL MORTGAGE CORPORATION 19 6.51% $15,398
    BAY EQUITY LLC 19 6.25% $8,563
    UNION HOME MORTGAGE CORP. 19 6.49% $13,708
    SUMMIT MORTGAGE CORPORATION 18 6.08% $12,659
    LOANPAL, LLC 16 5.56% $17,253
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 16 6.20% $9,393
    MORTGAGE SOLUTIONS OF COLORADO, LLC 15 6.58% $8,588
    Paramount Residential Mortgage Group, Inc. 15 6.17% $9,334
    PANORAMA MORTGAGE GROUP, LLC 15 6.35% $13,814
    SUCCESS MORTGAGE PARTNERS, INC. 14 6.30% $12,418
    AMERICAN FINANCIAL RESOURCES, INC. 14 6.12% $11,248
    Carrington Mortgage Services, LLC 14 5.90% $12,206
    Equity Prime Mortgage LLC 13 6.42% $9,545
    Barrington Bank & Trust Company, N.A. 13 6.06% $6,556
    American Mortgage & Equity Consultants, Inc. 12 6.53% $15,920
    CANOPY MORTGAGE, LLC 12 6.49% $16,722
    ZILLOW HOME LOANS, LLC 11 6.10% $8,219
    LPMC, LLC 11 6.14% $11,528
    PENTAGON FEDERAL CREDIT UNION 11 5.65% $7,913
    HomeStreet Bank 10 6.09% $6,057
    AXIA FINANCIAL, LLC 10 6.02% $11,218
    PREMIER MORTGAGE RESOURCES, L.L.C. 10 5.60% $14,254
    HOMEBRIDGE FINANCIAL SERVICES, INC. 10 6.33% $7,373
    JPMorgan Chase Bank 9 5.55% $6,522
    AMERICAN FINANCIAL NETWORK, INC. 9 5.93% $7,622
    Commerce Home Mortgage, Inc. 8 5.84% $16,669
    DAS Acquisition Company, LLC 8 6.25% $11,254
    V.I.P. MORTGAGE, INC. 8 5.86% $12,140
    PRIMELENDING, A PLAINSCAPITAL COMPANY 8 6.50% $15,852
    CLEARPATH LENDING 7 5.62% $10,097
    HOMEAMERICAN MORTGAGE CORPORATION 7 4.73% $4,850
    AMERISAVE MORTGAGE CORPORATION 7 5.63% $22,961
    PHH Mortgage Corporation 7 5.85% $4,341
    AMERICAN FINANCING CORPORATION 6 5.77% $15,706
    Plains Commerce Bank 6 6.37% $17,715
    CLM MORTGAGE, INC 6 5.35% $2,158
    Golden Empire Mortgage, Inc. 6 6.77% $11,412
    KeyBank 6 5.94% $5,838
    Lakeview Community Capital, LLC 6 5.75% $4,852
    BAYSHORE MORTGAGE FUNDING, LLC 6 6.67% $9,024
    LEADERONE FINANCIAL CORPORATION 6 6.85% $10,811
    Credence Funding Corporation 6 5.56% $6,795
    Bank of England 5 6.80% $10,502
    JMAC LENDING, INC. 5 5.78% $10,026
    MORTGAGEONE, INC. 5 6.30% $8,754
    CARDINAL FINANCIAL 5 6.80% $15,448
    Prosperity Home Mortgage, LLC 5 6.27% $13,807
    SAMMAMISH MORTGAGE COMPANY 5 5.98% $9,651
    South Pacific Financial Corporation 5 5.58% $7,476
    AmeriHome Mortgage Company, LLC 5 6.13% $6,106
    TWINSTAR 5 6.30% $6,408
    VERITAS FUNDING, LLC 5 6.23% $23,917
    HOMESIDE FINANCIAL, LLC 5 6.62% $20,403
    SCENIC OAKS FUNDING, INC. 4 6.19% $8,471
    CALCON MUTUAL MORTGAGE LLC 4 4.94% $9,905
    Ixonia Bank 4 5.90% $18,849
    Wells Fargo Bank 4 6.66% $5,702
    GENEVA FINANCIAL, LLC 4 6.47% $14,271
    Texana Bank 3 6.96% $30,079
    The Central Trust Bank 3 5.83% $12,509
    CITY FIRST MORTGAGE SERVICES, L.L.C. 3 6.54% $8,138
    PREMIA MORTGAGE, LLC 3 6.04% $4,155
    North American Savings Bank, F.S.B. 3 5.50% $7,108
    Armed Forces Bank 3 6.21% $13,459
    Ameris Bank 3 6.21% $7,759
    CORNERSTONE HOME LENDING, INC. 3 5.79% $3,959
    NOVA FINANCIAL & INVESTMENT CORPORATION 3 6.54% $9,099
    FIRST COLONY MORTGAGE CORPORATION 3 6.46% $4,599
    NFM, INC. 3 5.75% $8,121
    ALLIANT CREDIT UNION 2 6.00% $6,024
    Summit Mortgage Corporation 2 5.62% $17,746
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.50% $110
    NETWORK CAPITAL FUNDING CORPORATION 2 6.19% $8,701
    Meridian Bank Corporation 2 5.75% $10,193
    OCMBC, INC. 2 6.69% $1,275
    ALLIED MORTGAGE GROUP, INC. 2 6.25% $5,227
    LAND HOME FINANCIAL SERVICES, INC. 2 6.44% $28,204
    BETTER MORTGAGE CORPORATION 2 5.63% $12,832
    EVERETT FINANCIAL, INC. 2 6.06% $20,418
    CASTLE & COOKE MORTGAGE, LLC 2 6.13% $9,884
    Academy Bank 2 6.25% $6,840
    Washington Trust Bank 2 6.31% $16,695
    TOP FLITE FINANCIAL, INC. 2 6.94% $22,833
    LADERA LENDING, INC. 2 6.13% $8,556
    ISERVE RESIDENTIAL LENDING, LLC 1 6.25% $9,465
    INTERCAP LENDING INC. 1 6.13% $16,609
    ALTITUDE FINANCIAL CORPORATION 1 6.50% $825
    FBC MORTGAGE, LLC 1 6.75% $3,627
    MY MOVE MORTGAGE, LLC 1 6.75% $8,983
    DIGNIFIED HOME LOANS, LLC 1 6.13% $23,551
    DELMAR FINANCIAL COMPANY 1 5.75% $4,658
    MOUNTAIN WEST FINANCIAL, INC. 1 5.75% $25,050
    NBH Bank 1 5.75% $22,596
    Bank of the Pacific 1 5.25% $4,153
    Cornerstone First Mortgage, Inc 1 6.25% $12,417
    NexBank 1 5.50% $1,335
    Northpointe Bank 1 4.25% $1,030
    NORWICH COMMERCIAL GROUP, INC. 1 6.25% $8,009
    Old National Bank 1 5.25% $23,980
    ML Mortgage Corp. 1 5.75% $12,973
    MID AMERICA MORTGAGE, INC. 1 5.63% $2,853
    Citizens Bank 1 4.88% $12,468
    1st Security Bank of Washington 1 6.13% $7,554
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.25% $14,177
    US MORTGAGE CORPORATION 1 6.13% $8,029
    PNC Bank 1 6.25% $19,149
    GUARANTEED RATE AFFINITY, LLC 1 6.53% $10,980
    Presidential Bank, FSB 1 5.63% $9,060
    HOMESTEAD FUNDING CORP. 1 5.00% $13,302
    PULTE MORTGAGE LLC 1 3.88% $1,141
    RANLIFE, INC. 1 6.25% $17,104
    RELIANCE FIRST CAPITAL, LLC 1 6.38% $2,381
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 5.25% $8,676
    BELEM SERVICING LLC 1 5.38% $13,917
    Servion, Inc. 1 6.13% $14,510
    SIRVA MORTGAGE, INC. 1 6.13% $926
    INTELLILOAN, INC. 1 5.75% $4,497
    Strong Home Mortgage, LLC 1 6.13% $5,370
    Franklin Loan Corporation 1 5.99% $11,135
    HomePromise Corporation 1 7.88% $825
    T2 FINANCIAL LLC 1 5.75% $2,881
    TOWN AND COUNTRY Credit Union 1 6.25% $12,015
    TOWNE MORTGAGE COMPANY 1 6.50% $14,656
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.25% $10,731

    The top Oregon VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 655 VA loans originated. Their average total fees are $9,695, which is $3,161 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Oregon VA lenders (with over 10 loans originated) are OnPoint Community Credit Union ($5,666), GUARANTEED RATE, INC. ($5,679), HomeStreet Bank ($6,057), EAGLE HOME MORTGAGE, LLC ($6,155) and PLANET HOME LENDING, LLC ($6,230).

    The lowest rate Oregon VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.26%), PLANET HOME LENDING, LLC (5.46%), LOANPAL, LLC (5.56%), PREMIER MORTGAGE RESOURCES, L.L.C. (5.60%) and PENTAGON FEDERAL CREDIT UNION (5.65%).

    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.