Utah VA Loan Rates, Closing Costs & Stats

Utah

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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.

    Utah VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Utah averaged 0.02% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Utah's average VA mortgage closing costs are $7,528.

    The average rate for the prior week (2025-06-13) was 6.86% and one month ago for the week of 2025-05-16, the average rate was 6.82%.

    The average rate one year ago was 6.62%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.02%.

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

    Utah 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 Utah level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 815 5.94% $7,592
    Mortgage Research Center, LLC 319 6.24% $6,367
    QUICKEN LOANS, LLC 242 5.95% $12,456
    INTERCAP LENDING INC. 207 6.08% $8,759
    FREEDOM MORTGAGE CORPORATION 195 6.10% $11,848
    GUILD MORTGAGE COMPANY 159 6.11% $14,470
    FIRST COLONY MORTGAGE CORPORATION 109 6.04% $8,889
    Century Mortgage Company DBA Century Lending Company 100 5.94% $9,292
    PENNYMAC LOAN SERVICES, LLC 94 5.63% $10,272
    NEWREZ LLC 81 6.06% $10,496
    VILLAGE CAPITAL MORTGAGE 77 5.76% $9,055
    The Federal Savings Bank 75 6.03% $21,027
    DHI MORTGAGE COMPANY, LTD. 60 5.27% $7,995
    LAKEVIEW LOAN SERVICING, LLC 60 5.66% $7,279
    NAVY FEDERAL CREDIT UNION 53 5.89% $6,700
    MY MOVE MORTGAGE, LLC 52 5.99% $15,610
    LOANDEPOT.COM, LLC 49 5.67% $12,724
    CROSSCOUNTRY MORTGAGE, LLC 44 6.31% $6,917
    USAA Federal Savings Bank 43 6.05% $8,822
    The Loan Store, Inc. 41 6.11% $13,294
    RANLIFE, INC. 41 6.07% $16,755
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 35 6.36% $8,539
    SECURITYNATIONAL MORTGAGE COMPANY 31 6.23% $13,495
    GUARANTEED RATE, INC. 31 5.95% $12,458
    CMG MORTGAGE, INC. 30 5.95% $11,852
    AMERICAN PACIFIC MORTGAGE CORPORATION 28 6.31% $8,950
    Barrington Bank & Trust Company, N.A. 27 5.91% $6,570
    Bank of Utah 26 5.86% $7,807
    Plains Commerce Bank 26 5.90% $12,457
    PLANET HOME LENDING, LLC 25 5.33% $6,071
    HOMEAMERICAN MORTGAGE CORPORATION 25 5.24% $4,646
    DIRECT MORTGAGE, CORP. 24 6.15% $13,246
    CLM MORTGAGE, INC 24 5.68% $7,807
    Mr. Cooper ( Nationstar Mortgage ) 24 6.10% $13,114
    Paramount Residential Mortgage Group, Inc. 23 6.15% $10,968
    Magnolia Bank 22 5.77% $21,871
    MOUNTAIN AMERICA 21 5.44% $10,140
    BELEM SERVICING LLC 20 6.06% $9,026
    BROKER SOLUTIONS, INC. 19 6.16% $20,659
    EAGLE HOME MORTGAGE, LLC 19 5.01% $8,776
    SUN AMERICAN MORTGAGE COMPANY 19 5.93% $17,602
    NBKC BANK 18 5.74% $7,605
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 17 6.30% $8,601
    CANOPY MORTGAGE, LLC 15 6.00% $15,316
    GOLDENWEST 15 5.77% $10,620
    AMERICAN FINANCIAL NETWORK, INC. 15 6.00% $6,214
    SUN WEST MORTGAGE COMPANY, INC. 14 5.44% $10,493
    First Federal Bank 13 5.55% $5,947
    SECURITY HOME MORTGAGE, LLC. 13 6.08% $12,706
    Carrington Mortgage Services, LLC 12 6.17% $16,697
    Sierra Pacific Mortgage Company, Inc. 12 6.07% $11,868
    GUARANTEED RATE AFFINITY, LLC 11 6.14% $5,860
    AMERICA FIRST 11 6.10% $6,484
    PLAZA HOME MORTGAGE, INC. 11 6.29% $11,008
    PRIMARY RESIDENTIAL MORTGAGE, INC. 10 6.01% $7,465
    CASTLE & COOKE MORTGAGE, LLC 9 6.39% $7,680
    PHH Mortgage Corporation 9 5.68% $7,163
    Northpointe Bank 9 5.49% $9,184
    INSPIRE HOME LOANS INC. 8 5.63% $16,251
    MUTUAL OF OMAHA MORTGAGE, INC. 8 6.16% $23,384
    Equity Prime Mortgage LLC 8 6.41% $14,348
    Flagstar Bank, FSB 7 5.99% $7,918
    PREMIER MORTGAGE RESOURCES, L.L.C. 7 6.16% $10,216
    CITYWIDE HOME LOANS, LLC 7 6.13% $14,857
    Armed Forces Bank 7 5.95% $9,736
    Texana Bank 7 6.25% $16,913
    Cache Valley Bank 7 6.07% $8,944
    PRIMELENDING, A PLAINSCAPITAL COMPANY 7 6.29% $9,899
    MORTGAGEONE, INC. 7 6.11% $8,698
    U.S. Bank 7 6.09% $5,797
    GARDNER FINANCIAL SERVICES, LTD. 7 6.82% $12,709
    MOVEMENT MORTGAGE, LLC 6 6.83% $20,321
    NATIONS RELIABLE LENDING, LLC 6 5.90% $9,380
    AMERICAN FINANCING CORPORATION 6 6.46% $23,579
    SWBC MORTGAGE CORPORATION 6 6.17% $6,234
    VAN DYK MORTGAGE CORPORATION 5 6.15% $14,131
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 5 6.40% $11,092
    AMERICAN FINANCIAL RESOURCES, INC. 5 6.30% $12,975
    NEST HOME LENDING, LLC 5 5.52% $9,925
    PENTAGON FEDERAL CREDIT UNION 5 6.18% $7,314
    VERITAS FUNDING, LLC 5 5.77% $13,097
    ON Q FINANCIAL, INC. 5 6.05% $11,206
    CORNERSTONE HOME LENDING, INC. 5 6.25% $8,734
    Utah Mortgage Loan Corporation 4 5.97% $5,492
    S1L, Inc. 4 5.84% $22,461
    Glacier Bank 4 5.88% $10,107
    MORIA DEVELOPMENT, INC. 4 6.97% $12,170
    Ameris Bank 4 5.91% $10,768
    AMERISAVE MORTGAGE CORPORATION 4 5.34% $36,321
    AmeriHome Mortgage Company, LLC 4 5.94% $8,604
    American Mortgage & Equity Consultants, Inc. 4 6.81% $15,322
    Hometown Equity Mortgage, LLC 4 5.94% $18,174
    CYPRUS Federal Credit Union 4 6.56% $14,889
    JPMorgan Chase Bank 4 5.94% $3,730
    PREMIA MORTGAGE, LLC 4 5.75% $13,984
    LADERA LENDING, INC. 3 6.21% $12,195
    EVERETT FINANCIAL, INC. 3 4.96% $18,575
    Wells Fargo Bank 3 6.42% $11,112
    North American Savings Bank, F.S.B. 3 5.88% $7,213
    KeyBank 3 5.96% $4,271
    CARDINAL FINANCIAL 3 6.50% $13,530
    JMAC LENDING, INC. 3 5.58% $6,716
    LOANPAL, LLC 3 5.50% $15,719
    UNION HOME MORTGAGE CORP. 2 6.63% $13,440
    The Central Trust Bank 2 5.75% $4,731
    MASON MCDUFFIE MORTGAGE CORPORATION 2 7.13% $41,214
    AXIA FINANCIAL, LLC 2 6.13% $10,020
    Presidential Bank, FSB 2 5.94% $2,431
    CALCON MUTUAL MORTGAGE LLC 2 6.25% $3,795
    Bank of England 2 6.75% $16,723
    UTAH COMMUNITY 2 5.88% $16,616
    NFM, INC. 2 5.63% $6,565
    NATIONS DIRECT MORTGAGE, LLC 2 6.00% $9,396
    CITY FIRST MORTGAGE SERVICES, L.L.C. 2 6.19% $6,380
    Victorian Finance, LLC 2 5.69% $11,155
    LAND HOME FINANCIAL SERVICES, INC. 2 5.88% $4,083
    Ixonia Bank 2 6.50% $26,056
    Goldwater Bank, N.A. 2 6.44% $15,942
    Zions Bank 1 5.88% $13,626
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.25% $2,051
    Home Mortgage Alliance Corp 1 6.50% $21,454
    HOMESIDE FINANCIAL, LLC 1 5.88% $21,793
    Franklin Loan Corporation 1 5.75% $25,351
    First National Bank Texas 1 5.63% $3,363
    LOANFLIGHT LENDING, LLC 1 5.88% $2,117
    MICHIGAN MUTUAL, INC. 1 6.25% $10,534
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 5.25% $3,159
    D. L. Evans Bank 1 6.63% $4,095
    DIGNIFIED HOME LOANS, LLC 1 6.13% $12,004
    CrossFirst Bank 1 6.13% $22,522
    NBH Bank 1 6.12% $4,191
    Network Funding, L.P. 1 6.13% $13,914
    NORWICH COMMERCIAL GROUP, INC. 1 6.13% $8,185
    Old National Bank 1 5.63% $17,558
    Patriot Bank 1 5.88% $3,893
    Chambers Bank 1 6.63% $29,118
    Pinnacle Bank 1 6.13% $14,985
    Capital Bank 1 5.75% $1,670
    Prosperity Home Mortgage, LLC 1 6.12% $9,447
    BAY EQUITY LLC 1 6.25% $22,834
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.12% $14,456
    SIRVA MORTGAGE, INC. 1 6.38% $60
    SOVEREIGN LENDING GROUP INCORPORATED 1 5.75% $4,172
    Stifel Bank and Trust 1 5.25% $6,216
    THE MORTGAGE LINK, INC. 1 5.88% $23,971
    TOP FLITE FINANCIAL, INC. 1 6.75% $8,828
    Truist 1 6.63% $17,886
    American Mortgage Bank, LLC 1 6.25% $6,631
    Utah Power 1 5.63% $5,243
    Waterstone Mortgage Corporation 1 7.13% $7,622
    Granite Community Bank 1 6.25% $41,293

    The top Utah VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 815 VA loans originated. Their average total fees are $7,592, which is $1,225 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Utah VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($4,646), GUARANTEED RATE AFFINITY, LLC ($5,860), First Federal Bank ($5,947), PLANET HOME LENDING, LLC ($6,071) and AMERICAN FINANCIAL NETWORK, INC. ($6,214).

    The lowest rate Utah VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.01%), HOMEAMERICAN MORTGAGE CORPORATION (5.24%), DHI MORTGAGE COMPANY, LTD. (5.27%), PLANET HOME LENDING, LLC (5.33%) and MOUNTAIN AMERICA (5.44%).

    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.