Washington VA Loan Rates, Closing Costs & Stats

Washington

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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.

    Washington VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Washington averaged 6.91% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

    Washington's average VA mortgage closing costs are $8,215.

    The average rate for the prior week (2025-07-04) was 6.42% and one month ago for the week of 2025-06-06, the average rate was 6.59%.

    The average rate one year ago was 6.81%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.37%.

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

    Washington 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 Washington level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 1,831 5.82% $9,425
    Mortgage Research Center, LLC 1,253 6.23% $8,288
    QUICKEN LOANS, LLC 698 5.90% $12,716
    CROSSCOUNTRY MORTGAGE, LLC 590 6.24% $10,186
    FREEDOM MORTGAGE CORPORATION 590 6.05% $11,968
    GUILD MORTGAGE COMPANY 493 6.11% $13,276
    NAVY FEDERAL CREDIT UNION 449 5.84% $8,946
    CMG MORTGAGE, INC. 415 6.02% $14,473
    NEWREZ LLC 374 6.02% $12,541
    MOVEMENT MORTGAGE, LLC 366 6.32% $13,212
    PENNYMAC LOAN SERVICES, LLC 364 5.64% $10,879
    DHI MORTGAGE COMPANY, LTD. 226 5.18% $9,504
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 214 6.37% $10,675
    USAA Federal Savings Bank 204 6.15% $10,268
    LOANDEPOT.COM, LLC 193 5.83% $14,485
    VILLAGE CAPITAL MORTGAGE 190 5.62% $8,570
    AMERICAN PACIFIC MORTGAGE CORPORATION 158 6.29% $14,667
    The Federal Savings Bank 139 6.08% $23,128
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 137 6.40% $15,970
    NBKC BANK 125 5.65% $10,311
    EAGLE HOME MORTGAGE, LLC 124 5.67% $8,698
    BAY EQUITY LLC 123 6.28% $10,928
    BROKER SOLUTIONS, INC. 116 6.49% $13,146
    GUARANTEED RATE, INC. 105 5.92% $8,502
    CANOPY MORTGAGE, LLC 103 6.36% $21,422
    PLANET HOME LENDING, LLC 100 5.62% $6,538
    NEW DAY FINANCIAL, LLC 95 7.39% $15,384
    Paramount Residential Mortgage Group, Inc. 84 6.30% $11,763
    HOMEAMERICAN MORTGAGE CORPORATION 82 5.08% $5,557
    Sunflower Bank 78 6.06% $13,174
    MORTGAGE SOLUTIONS OF COLORADO, LLC 75 6.76% $7,225
    LAKEVIEW LOAN SERVICING, LLC 74 5.72% $8,106
    Mr. Cooper ( Nationstar Mortgage ) 73 5.96% $12,707
    CORNERSTONE HOME LENDING, INC. 65 6.29% $11,638
    NATIONS DIRECT MORTGAGE, LLC 64 6.17% $11,396
    INSPIRE HOME LOANS INC. 62 5.36% $12,858
    ENVOY MORTGAGE, LTD 58 6.15% $12,464
    T2 FINANCIAL LLC 55 6.42% $12,276
    1st Security Bank of Washington 54 6.06% $14,521
    American Mortgage & Equity Consultants, Inc. 52 6.38% $16,275
    NOVA FINANCIAL & INVESTMENT CORPORATION 46 6.19% $15,055
    Carrington Mortgage Services, LLC 45 5.88% $15,048
    HomeStreet Bank 45 6.08% $15,013
    NFM, INC. 45 6.14% $13,685
    PRIMELENDING, A PLAINSCAPITAL COMPANY 42 6.36% $11,760
    Cornerstone First Mortgage, Inc 42 6.08% $14,364
    Alaska USA Federal Credit Union 41 6.05% $7,623
    First Federal Bank 40 5.63% $11,015
    MLD MORTGAGE INC. 40 5.96% $9,178
    Flagstar Bank, FSB 39 6.12% $10,900
    Century Mortgage Company DBA Century Lending Company 38 6.00% $6,528
    U.S. Bank 38 6.00% $12,245
    PREMIER MORTGAGE RESOURCES, L.L.C. 36 6.11% $14,559
    MUTUAL OF OMAHA MORTGAGE, INC. 36 6.14% $17,540
    S1L, Inc. 35 6.18% $15,225
    SAMMAMISH MORTGAGE COMPANY 34 5.96% $10,724
    SUN WEST MORTGAGE COMPANY, INC. 33 5.94% $12,105
    AMERICAN FINANCIAL NETWORK, INC. 32 6.04% $12,308
    The Loan Store, Inc. 31 5.99% $11,314
    Equity Prime Mortgage LLC 30 6.45% $14,323
    SeaTrust Mortgage Company 29 6.67% $13,105
    SUMMIT FUNDING, INC. 27 6.29% $13,984
    Barrington Bank & Trust Company, N.A. 27 6.41% $7,874
    GoPrime Mortgage, Inc. 26 5.95% $11,642
    CARDINAL FINANCIAL 26 6.30% $15,366
    Umpqua Bank 26 6.31% $10,243
    Armed Forces Bank 25 5.88% $11,619
    SCENIC OAKS FUNDING, INC. 24 6.35% $13,110
    UNION HOME MORTGAGE CORP. 24 6.17% $11,205
    KBHS HOME LOANS, LLC 23 5.84% $7,970
    PENTAGON FEDERAL CREDIT UNION 22 5.86% $6,394
    CHURCHILL MORTGAGE CORPORATION 22 6.35% $14,326
    Boeing Employees Credit Union 22 6.40% $5,498
    MASON MCDUFFIE MORTGAGE CORPORATION 22 6.37% $15,750
    AMERISAVE MORTGAGE CORPORATION 22 5.85% $25,120
    Lakeview Community Capital, LLC 22 5.61% $5,638
    Credence Funding Corporation 21 5.54% $9,148
    LEADERONE FINANCIAL CORPORATION 20 6.46% $13,456
    Banner Bank 20 6.03% $15,262
    PHH Mortgage Corporation 18 5.63% $7,188
    JPMorgan Chase Bank 18 5.91% $4,706
    GUARANTEED RATE AFFINITY, LLC 17 6.47% $8,300
    DIRECTORS MORTGAGE, INC. 17 6.29% $14,372
    ZILLOW HOME LOANS, LLC 16 6.05% $13,482
    Plains Commerce Bank 16 6.27% $10,364
    HOMESIDE FINANCIAL, LLC 15 6.46% $23,021
    FIRST COLONY MORTGAGE CORPORATION 15 5.92% $9,849
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 15 6.12% $12,594
    LOANPAL, LLC 15 5.67% $14,481
    GENEVA FINANCIAL, LLC 15 6.75% $21,795
    Glacier Bank 14 5.93% $11,775
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 14 6.46% $14,475
    Prosperity Home Mortgage, LLC 13 6.17% $10,910
    V.I.P. MORTGAGE, INC. 13 6.07% $9,676
    PLAZA HOME MORTGAGE, INC. 12 5.77% $16,996
    HOMEBRIDGE FINANCIAL SERVICES, INC. 12 6.43% $7,268
    MORTGAGEONE, INC. 12 6.53% $7,218
    Sierra Pacific Mortgage Company, Inc. 11 6.12% $14,285
    SUMMIT MORTGAGE CORPORATION 10 5.81% $17,493
    SOUND 10 5.79% $8,229
    WHATCOM EDUCATIONAL CREDIT UNION 10 5.92% $8,982
    ON Q FINANCIAL, INC. 9 6.11% $7,943
    NUMERICA CREDIT UNION 9 5.92% $5,274
    AMERICAN FINANCIAL RESOURCES, INC. 9 6.46% $15,373
    AMERICAN FINANCING CORPORATION 9 6.04% $16,774
    RESIDENTIAL MORTGAGE, LLC 9 6.16% $14,229
    PREMIA MORTGAGE, LLC 9 5.69% $8,199
    Nations Lending Corporation 9 6.49% $15,737
    Willamette Valley Bank 8 6.27% $13,553
    KeyBank 8 5.86% $10,310
    PULTE MORTGAGE LLC 8 5.61% $9,066
    Northpointe Bank 8 6.17% $12,308
    Washington Trust Bank 8 6.14% $8,661
    Wells Fargo Bank 8 6.31% $9,016
    LADERA LENDING, INC. 7 6.20% $16,651
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 7 6.27% $10,797
    MORTGAGE EXPRESS, LLC 7 6.32% $10,639
    INTELLILOAN, INC. 6 6.31% $2,653
    TBI MORTGAGE COMPANY 6 6.00% $11,853
    Mid-Continent Funding, Inc. 6 6.00% $8,013
    WASHINGTON STATE EMPLOYEES Credit Union 6 6.12% $8,320
    Ixonia Bank 6 6.02% $22,771
    DAS Acquisition Company, LLC 6 6.29% $5,566
    PRIMARY RESIDENTIAL MORTGAGE, INC. 6 6.33% $9,686
    IDAHO CENTRAL 6 6.13% $5,492
    PREMIER LENDING, INC. 6 6.50% $13,955
    ALLIANT CREDIT UNION 6 5.71% $3,281
    Magnolia Bank 5 5.93% $19,651
    NETWORK CAPITAL FUNDING CORPORATION 5 5.83% $25,076
    Peoples Bank 5 6.28% $9,345
    ALLIED MORTGAGE GROUP, INC. 5 5.80% $8,253
    PACIFIC RESIDENTIAL MORTGAGE, LLC 5 6.38% $14,081
    Strong Home Mortgage, LLC 4 5.97% $6,332
    LENOX FINANCIAL MORTGAGE CORPORATION 4 5.53% $7,604
    FIRST CONTINENTAL MORTGAGE, LTD. 4 6.53% $9,427
    PANORAMA MORTGAGE GROUP, LLC 4 6.50% $13,296
    Commerce Home Mortgage, Inc. 4 6.41% $13,996
    CLM MORTGAGE, INC 4 4.99% $6,184
    Bank of England 4 6.47% $7,280
    Texana Bank 4 6.78% $8,487
    LPMC, LLC 3 6.12% $6,493
    CITY FIRST MORTGAGE SERVICES, L.L.C. 3 6.38% $5,934
    TJC Mortgage, Inc. 3 5.92% $16,865
    First Western Trust Bank 3 5.92% $6,241
    Presidential Bank, FSB 3 6.54% $8,196
    CLEARPATH LENDING 3 5.63% $9,548
    NP, Inc. 3 6.29% $5,937
    America's Credit Union 3 6.37% $6,378
    Waterstone Mortgage Corporation 3 6.29% $16,158
    Ameris Bank 3 6.04% $12,335
    HomePromise Corporation 3 7.42% $1,138
    KITSAP Credit Union 3 6.21% $6,756
    LAND HOME FINANCIAL SERVICES, INC. 3 6.08% $7,550
    PENRITH HOME LOANS LLC 3 5.92% $14,301
    SECURITYNATIONAL MORTGAGE COMPANY 3 6.92% $22,720
    CALCON MUTUAL MORTGAGE LLC 3 5.71% $7,783
    JMAC LENDING, INC. 3 5.92% $13,253
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 3 7.13% $5,140
    AmeriHome Mortgage Company, LLC 2 5.87% $19,544
    Opportunity Bank of Montana 2 5.94% $7,119
    PENINSULA COMMUNITY 2 6.88% $8,488
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 2 6.31% $13,306
    INTERCAP LENDING INC. 2 5.56% $7,403
    PNC Bank 2 6.06% $8,146
    First National Bank Texas 2 5.75% $4,416
    FLAT BRANCH MORTGAGE, INC. 2 5.19% $18,521
    Bank of the Pacific 2 6.00% $31,680
    Shea Mortgage Inc. 2 5.88% $8,419
    STARBOARD FINANCIAL MANAGEMENT, LLC 2 6.38% $24,756
    SUCCESS MORTGAGE PARTNERS, INC. 2 5.88% $14,223
    HORIZON 2 5.94% $6,225
    The Central Trust Bank 2 6.06% $4,284
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 5.87% $13,628
    MEGASTAR FINANCIAL CORP. 2 5.81% $14,332
    Wallick & Volk, Inc. 2 7.25% $6,180
    Keystone Funding, Inc. 2 5.75% $27,203
    North American Savings Bank, F.S.B. 2 5.88% $11,246
    NORWICH COMMERCIAL GROUP, INC. 2 5.75% $5,009
    Bank of America 1 6.88% $23,163
    Farmers Bank & Trust 1 6.50% $3,245
    Alcova Mortgage LLC 1 5.25% $25,518
    Franklin Loan Corporation 1 6.50% $850
    SIRVA MORTGAGE, INC. 1 6.63% $7,438
    SKYONE Federal Credit Union 1 6.63% $3,120
    MORIA DEVELOPMENT, INC. 1 6.63% $11,541
    Old National Bank 1 5.25% $8,453
    Stride Bank 1 6.50% $22,881
    EMBRACE HOME LOANS, INC. 1 6.49% $5,725
    Encompass Lending Group, LP 1 7.25% $4,982
    Axos Bank 1 6.13% $17,369
    Summit Mortgage Corporation 1 7.00% $4,648
    GARDNER FINANCIAL SERVICES, LTD. 1 6.50% $10,112
    AXIA FINANCIAL, LLC 1 6.25% $28,350
    MLB RESIDENTIAL LENDING, LLC 1 5.88% $36,942
    SWBC MORTGAGE CORPORATION 1 7.25% $12,903
    Paramount Bank 1 6.13% $2,617
    MICHIGAN MUTUAL, INC. 1 6.75% $12,470
    NuVision Federal Credit Union 1 6.75% $28,263
    HighTechLending Inc 1 5.63% $14,101
    NexBank 1 5.75% $1,164
    Evolve Bank & Trust 1 6.13% $625
    ONY GLO, INC. 1 6.13% $33,012
    Truist 1 6.75% $16,573
    Watermark Capital, Inc. 1 6.25% $4,179
    EMM LOANS LLC 1 5.88% $28,604
    UNITED MORTGAGE CORP 1 5.75% $6,957
    MY MOVE MORTGAGE, LLC 1 5.75% $45,043
    NASA Federal Credit Union 1 5.75% $20,295
    Gateway First Bank 1 6.25% $5,548
    City Lending Inc. 1 6.25% $29,093
    POINT Mortgage 1 6.25% $15,270
    MOUNTAIN WEST FINANCIAL, INC. 1 6.25% $18,578
    First Bank 1 5.75% $6,743
    RANLIFE, INC. 1 5.88% $25,161
    EVERETT FINANCIAL, INC. 1 6.63% $21,433
    Academy Bank 1 6.25% $32,089
    ROYAL UNITED MORTGAGE LLC 1 6.13% $16,845
    NBH Bank 1 6.13% $32,783
    OnPoint Community Credit Union 1 6.50% $7,687
    Home Mortgage Alliance Corp 1 6.50% $9,755

    The top Washington VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 1,831 VA loans originated. Their average total fees are $9,425, which is $1,137 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Washington VA lenders (with over 10 loans originated) are JPMorgan Chase Bank ($4,706), Boeing Employees Credit Union ($5,498), HOMEAMERICAN MORTGAGE CORPORATION ($5,557), Lakeview Community Capital, LLC ($5,638) and PENTAGON FEDERAL CREDIT UNION ($6,394).

    The lowest rate Washington VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (5.08%), DHI MORTGAGE COMPANY, LTD. (5.18%), INSPIRE HOME LOANS INC. (5.36%), Credence Funding Corporation (5.54%) and Lakeview Community Capital, LLC (5.61%).

    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.