Fresno VA Loan Rates, Closing Costs & Stats

FRESNO, CA

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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.

    Fresno's 75 lenders originated 708 VA loans during 2024. The total origination value was $307,450,000, with an average VA loan value of $434,251.

    Fresno VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Fresno averaged 6.56% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Fresno's average VA mortgage closing costs are $6,520.

    The average rate for the prior week (2025-07-11) was 6.55% and one month ago for the week of 2025-06-13, the average rate was 6.52%.

    The average rate one year ago was 6.82%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.26%.

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

    Fresno 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 Fresno level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 146 5.90% $8,191
    Mortgage Research Center, LLC 70 6.29% $7,466
    QUICKEN LOANS, LLC 50 6.05% $10,739
    Century Mortgage Company DBA Century Lending Company 37 6.09% $10,577
    FREEDOM MORTGAGE CORPORATION 30 5.95% $8,506
    EAGLE HOME MORTGAGE, LLC 22 5.69% $6,174
    NAVY FEDERAL CREDIT UNION 19 5.77% $6,567
    PENNYMAC LOAN SERVICES, LLC 18 5.74% $10,546
    KBHS HOME LOANS, LLC 16 5.79% $4,285
    CMG MORTGAGE, INC. 16 6.01% $12,862
    Golden Empire Mortgage, Inc. 15 6.21% $12,915
    The Federal Savings Bank 13 6.41% $17,050
    ALAMEDA MORTGAGE CORPORATION 13 6.17% $20,781
    SUN WEST MORTGAGE COMPANY, INC. 11 6.09% $9,698
    INSPIRE HOME LOANS INC. 11 5.20% $5,760
    FIRST COMMUNITY MORTGAGE, INC. 11 5.86% $8,395
    LOANDEPOT.COM, LLC 10 5.48% $11,571
    VILLAGE CAPITAL MORTGAGE 9 5.48% $7,713
    USAA Federal Savings Bank 8 6.31% $8,535
    NEWREZ LLC 8 5.83% $7,429
    AMERICAN PACIFIC MORTGAGE CORPORATION 7 6.52% $13,398
    NEW DAY FINANCIAL, LLC 7 7.62% $12,919
    CROSSCOUNTRY MORTGAGE, LLC 6 5.94% $5,206
    Sierra Pacific Mortgage Company, Inc. 6 6.52% $10,833
    Equity Prime Mortgage LLC 6 6.92% $9,246
    JMAC LENDING, INC. 6 6.13% $8,753
    LAKEVIEW LOAN SERVICING, LLC 5 5.75% $6,306
    Flagstar Bank, FSB 5 5.95% $7,699
    Paramount Residential Mortgage Group, Inc. 5 6.35% $8,862
    BAY EQUITY LLC 5 6.28% $5,604
    Magnolia Bank 5 6.10% $16,410
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.57% $7,335
    DHI MORTGAGE COMPANY, LTD. 5 4.97% $7,639
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 4 4.75% $2,528
    CLEARPATH LENDING 4 5.34% $12,667
    GUARANTEED RATE, INC. 4 5.94% $2,973
    PLANET HOME LENDING, LLC 4 6.21% $4,568
    PREMIER MORTGAGE RESOURCES, L.L.C. 4 6.66% $23,076
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 7.08% $2,356
    AMERICAN FINANCIAL NETWORK, INC. 3 6.71% $10,489
    First Federal Bank 3 5.67% $8,083
    Lakeview Community Capital, LLC 3 5.50% $5,749
    NORWICH COMMERCIAL GROUP, INC. 3 6.13% $1,406
    The Loan Store, Inc. 3 6.37% $16,169
    Mr. Cooper ( Nationstar Mortgage ) 2 5.94% $9,502
    CARDINAL FINANCIAL 2 6.75% $10,746
    Texana Bank 2 5.88% $18,938
    PLAZA HOME MORTGAGE, INC. 2 6.38% $5,661
    LOANPAL, LLC 2 6.19% $15,914
    NETWORK CAPITAL FUNDING CORPORATION 2 6.00% $6,208
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 6.88% $11,698
    AmeriHome Mortgage Company, LLC 2 5.88% $6,705
    Carrington Mortgage Services, LLC 2 6.00% $8,282
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 5.87% $12,008
    MORTGAGEONE, INC. 2 6.38% $24
    Bank of America 1 6.00% $11,277
    SUMMIT FUNDING, INC. 1 5.75% $7,382
    Armed Forces Bank 1 5.75% $2,080
    Ameris Bank 1 5.25% $4,667
    V.I.P. MORTGAGE, INC. 1 6.13% $15,738
    UNION HOME MORTGAGE CORP. 1 5.99% $3,701
    AMERISAVE MORTGAGE CORPORATION 1 5.63% $5,489
    U.S. Bank 1 6.63% $4,299
    MICHIGAN MUTUAL, INC. 1 6.75% $177
    MORIA DEVELOPMENT, INC. 1 6.13% $12,089
    GUILD MORTGAGE COMPANY 1 5.63% $9,152
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $5,921
    DIRECTORS MORTGAGE, INC. 1 6.88% $7,006
    ALTITUDE FINANCIAL CORPORATION 1 6.25% $358
    CLM MORTGAGE, INC 1 5.75% $9,686
    PENTAGON FEDERAL CREDIT UNION 1 5.88% $6,214
    PHH Mortgage Corporation 1 5.25% $6,319
    BROKER SOLUTIONS, INC. 1 5.75% $14,223
    BAY-VALLEY MORTGAGE GROUP 1 5.75% $2,607
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.25% $10,587

    The top Fresno VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 146 VA loans originated. Their average total fees are $8,191, which is $725 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Fresno VA lenders (with over 10 loans originated) are KBHS HOME LOANS, LLC ($4,285), INSPIRE HOME LOANS INC. ($5,760), EAGLE HOME MORTGAGE, LLC ($6,174), NAVY FEDERAL CREDIT UNION ($6,567) and Mortgage Research Center, LLC ($7,466).

    The lowest rate Fresno VA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. (5.20%), LOANDEPOT.COM, LLC (5.48%), EAGLE HOME MORTGAGE, LLC (5.69%), PENNYMAC LOAN SERVICES, LLC (5.74%) and NAVY FEDERAL CREDIT UNION (5.77%).

    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.