College Station VA Loan Rates, Closing Costs & Stats

COLLEGE STATION-BRYAN, TX

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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.

    College Station's 62 lenders originated 311 VA loans during 2024. The total origination value was $115,935,000, with an average VA loan value of $372,781.

    College Station VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in College Station averaged 6.47% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    College Station's average VA mortgage closing costs are $6,654.

    The average rate for the prior week (2025-07-11) was 6.45% and one month ago for the week of 2025-06-13, the average rate was 6.53%.

    The average rate one year ago was 6.43%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.63%.

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

    College Station 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 College Station level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 48 5.92% $6,483
    Mortgage Research Center, LLC 33 6.59% $6,426
    DHI MORTGAGE COMPANY, LTD. 20 5.20% $7,005
    FREEDOM MORTGAGE CORPORATION 17 6.09% $10,552
    PILGRIM MORTGAGE LLC 15 5.86% $8,654
    NAVY FEDERAL CREDIT UNION 13 5.76% $4,528
    NEW FED MORTGAGE, CORP. 11 6.06% $12,106
    CMG MORTGAGE, INC. 11 5.88% $12,339
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.69% $8,523
    EAGLE HOME MORTGAGE, LLC 7 4.55% $3,146
    USAA Federal Savings Bank 7 6.21% $9,237
    City Bank 6 6.67% $10,943
    QUICKEN LOANS, LLC 6 5.93% $9,263
    NEWREZ LLC 6 6.38% $13,507
    Equity Prime Mortgage LLC 5 6.25% $10,404
    GARDNER FINANCIAL SERVICES, LTD. 5 6.13% $15,574
    CROSSCOUNTRY MORTGAGE, LLC 4 6.72% $14,067
    SWBC MORTGAGE CORPORATION 4 5.94% $2,701
    PENNYMAC LOAN SERVICES, LLC 3 5.21% $5,987
    INSPIRE HOME LOANS INC. 3 5.42% $6,464
    LAKEVIEW LOAN SERVICING, LLC 3 6.00% $5,971
    CLEARPATH LENDING 3 5.92% $3,133
    First Financial Bank 3 5.92% $12,253
    Paramount Residential Mortgage Group, Inc. 3 6.16% $7,891
    Wallick & Volk, Inc. 3 6.25% $3,373
    ADVISA MORTGAGE SERVICES, LTD. 2 5.92% $9,914
    Mr. Cooper ( Nationstar Mortgage ) 2 6.00% $9,157
    AmeriHome Mortgage Company, LLC 2 6.06% $4,707
    First Federal Bank 2 5.88% $14,738
    SFMC, LP 2 6.19% $11,855
    MOVEMENT MORTGAGE, LLC 2 6.25% $4,440
    GUARANTEED RATE, INC. 2 6.19% $6,112
    TruHome Solutions, LLC 2 6.31% $6,025
    VILLAGE CAPITAL MORTGAGE 2 5.37% $4,747
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 5.94% $8,320
    HOMESIDE FINANCIAL, LLC 2 6.25% $10,841
    SUN WEST MORTGAGE COMPANY, INC. 1 5.75% $4,316
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $8,142
    American Mortgage & Equity Consultants, Inc. 1 7.75% $12,796
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.00% $2,534
    CARDINAL FINANCIAL 1 6.25% $42,850
    Carrington Mortgage Services, LLC 1 5.63% $4,147
    Century Mortgage Company DBA Century Lending Company 1 5.75% $0
    CORNERSTONE HOME LENDING, INC. 1 6.75% $2,911
    Credence Funding Corporation 1 5.88% $13,015
    DAS Acquisition Company, LLC 1 6.13% $0
    Extraco Banks 1 5.63% $4,231
    FIRST COLONY MORTGAGE CORPORATION 1 5.63% $3,342
    JPMorgan Chase Bank 1 6.50% $0
    Lakeview Community Capital, LLC 1 6.25% $4,213
    LEGEND LENDING CORPORATION 1 6.13% $12,798
    LOANDEPOT.COM, LLC 1 6.63% $6,737
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $1,395
    Nations Lending Corporation 1 6.25% $5,225
    NATIONS RELIABLE LENDING, LLC 1 6.75% $26,166
    PHH Mortgage Corporation 1 4.75% $7,829
    PLANET HOME LENDING, LLC 1 4.63% $10,914
    PREMIA MORTGAGE, LLC 1 5.75% $8,009
    SeaTrust Mortgage Company 1 6.50% $7,944
    SOUTHWEST STAGE FUNDING, LLC 1 5.38% $4,872
    S&S Financial 1 5.63% $4,315
    The Loan Store, Inc. 1 6.25% $5,602

    The top College Station VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 48 VA loans originated. Their average total fees are $6,483, which is $57 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee College Station VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($4,528), Mortgage Research Center, LLC ($6,426), UNITED WHOLESALE MORTGAGE, LLC ($6,483), DHI MORTGAGE COMPANY, LTD. ($7,005) and PILGRIM MORTGAGE LLC ($8,654).

    The lowest rate College Station VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.20%), NAVY FEDERAL CREDIT UNION (5.76%), PILGRIM MORTGAGE LLC (5.86%), CMG MORTGAGE, INC. (5.88%) and UNITED WHOLESALE MORTGAGE, LLC (5.92%).

    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.