Los Angeles VA Loan Rates, Closing Costs & Stats

Los Angeles-Long Beach-Anaheim, CA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets

    • 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.

    Los Angeles's 152 lenders originated 2,741 VA loans during 2024. The total origination value was $2,070,315,000, with an average VA loan value of $755,314.

    Los Angeles VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Los Angeles averaged 6.98% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Los Angeles's average VA mortgage closing costs are $9,107.

    The average rate for the prior week (2025-07-11) was 6.86% and one month ago for the week of 2025-06-13, the average rate was 6.74%.

    The average rate one year ago was 6.83%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.59%.

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

    Los Angeles 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 Los Angeles level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 646 5.90% $11,637
    QUICKEN LOANS, LLC 335 5.94% $12,161
    Mortgage Research Center, LLC 191 6.14% $11,210
    FREEDOM MORTGAGE CORPORATION 113 5.99% $14,173
    PENNYMAC LOAN SERVICES, LLC 98 5.72% $13,042
    NAVY FEDERAL CREDIT UNION 82 5.79% $9,150
    LOANDEPOT.COM, LLC 73 5.61% $16,588
    NEWREZ LLC 52 5.99% $13,881
    CROSSCOUNTRY MORTGAGE, LLC 40 6.05% $14,505
    OCMBC, INC. 33 6.13% $15,015
    GUARANTEED RATE, INC. 32 5.87% $9,414
    USAA Federal Savings Bank 31 6.13% $14,486
    BROKER SOLUTIONS, INC. 30 6.27% $20,156
    Paramount Residential Mortgage Group, Inc. 28 6.23% $12,978
    VILLAGE CAPITAL MORTGAGE 28 5.67% $11,661
    CMG MORTGAGE, INC. 26 6.06% $16,900
    AMERICAN FINANCIAL NETWORK, INC. 25 6.16% $10,435
    SUN WEST MORTGAGE COMPANY, INC. 25 5.95% $15,264
    Flagstar Bank, FSB 25 6.06% $12,818
    U.S. Bank 24 6.03% $12,067
    EAGLE HOME MORTGAGE, LLC 24 5.66% $10,987
    The Federal Savings Bank 24 5.83% $34,575
    Lakeview Community Capital, LLC 23 5.54% $9,239
    MOVEMENT MORTGAGE, LLC 21 6.07% $13,278
    AMERICAN PACIFIC MORTGAGE CORPORATION 20 6.14% $18,198
    AUGUSTA FINANCIAL, INC. 20 6.18% $13,135
    NEW DAY FINANCIAL, LLC 19 7.34% $20,908
    JMJ FINANCIAL GROUP 19 6.24% $20,612
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 17 6.27% $7,934
    FIRST COLONY MORTGAGE CORPORATION 17 6.01% $12,246
    Century Mortgage Company DBA Century Lending Company 16 6.07% $13,028
    PLANET HOME LENDING, LLC 16 5.79% $6,487
    LAKEVIEW LOAN SERVICING, LLC 14 5.74% $10,627
    Equity Prime Mortgage LLC 13 6.57% $16,347
    The Loan Store, Inc. 12 6.33% $18,267
    PLAZA HOME MORTGAGE, INC. 12 6.23% $15,732
    Carrington Mortgage Services, LLC 11 5.91% $19,547
    DHI MORTGAGE COMPANY, LTD. 11 5.36% $7,872
    MUTUAL OF OMAHA MORTGAGE, INC. 11 5.98% $30,850
    Mr. Cooper ( Nationstar Mortgage ) 11 6.24% $13,559
    First Federal Bank 11 5.76% $9,026
    NATIONS DIRECT MORTGAGE, LLC 10 6.20% $11,291
    Magnolia Bank 10 5.79% $22,297
    KBHS HOME LOANS, LLC 10 5.81% $5,243
    HOMEAMERICAN MORTGAGE CORPORATION 10 5.47% $5,950
    GUILD MORTGAGE COMPANY 9 6.00% $20,542
    MORTGAGE SOLUTIONS OF COLORADO, LLC 9 7.03% $19,674
    GUARANTEED RATE AFFINITY, LLC 9 6.04% $12,568
    MORTGAGEONE, INC. 9 6.39% $11,085
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 9 6.33% $14,027
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 7 6.16% $6,329
    NFM, INC. 7 5.55% $15,757
    NETWORK CAPITAL FUNDING CORPORATION 7 6.09% $17,858
    HighTechLending Inc 7 6.27% $6,795
    Golden Empire Mortgage, Inc. 7 6.50% $21,978
    Pacific Lending LLC 6 6.35% $23,161
    Barrington Bank & Trust Company, N.A. 6 5.88% $16,192
    PRIMELENDING, A PLAINSCAPITAL COMPANY 6 6.40% $11,323
    JPMorgan Chase Bank 6 6.00% $6,241
    MLD MORTGAGE INC. 5 6.43% $5,089
    CLEARPATH LENDING 5 5.52% $17,922
    ZILLOW HOME LOANS, LLC 5 6.10% $6,851
    BAY-VALLEY MORTGAGE GROUP 5 5.95% $10,256
    ONY GLO, INC. 5 5.95% $12,004
    Armed Forces Bank 5 6.20% $10,346
    AHL FUNDING 5 6.05% $13,305
    Performance Financial, Inc. 5 6.25% $22,890
    Home Mortgage Alliance Corp 4 6.06% $12,289
    DIGNIFIED HOME LOANS, LLC 4 6.81% $26,985
    SECURITYNATIONAL MORTGAGE COMPANY 4 6.31% $23,655
    BAY EQUITY LLC 4 6.47% $15,240
    INSPIRE HOME LOANS INC. 4 4.84% $17,482
    NBKC BANK 4 5.87% $16,063
    JMAC LENDING, INC. 4 5.69% $19,794
    LADERA LENDING, INC. 4 6.03% $12,139
    AmeriHome Mortgage Company, LLC 4 6.28% $7,464
    AMERISAVE MORTGAGE CORPORATION 4 5.75% $35,568
    Wells Fargo Bank 3 6.46% $13,430
    Franklin Loan Corporation 3 5.66% $17,833
    Sierra Pacific Mortgage Company, Inc. 3 5.88% $11,063
    PENTAGON FEDERAL CREDIT UNION 3 6.13% $4,408
    PHH Mortgage Corporation 3 5.75% $10,187
    AMERITRUST MORTGAGE CORPORATION 3 6.25% $16,306
    GENEVA FINANCIAL, LLC 3 6.50% $5,591
    BM Real Estate Services, Inc. 2 6.13% $15,103
    American Mortgage & Equity Consultants, Inc. 2 6.50% $74,694
    CALCON MUTUAL MORTGAGE LLC 2 6.00% $10,574
    CAMPOS FINANCIAL CORP. 2 6.81% $18,240
    CARDINAL FINANCIAL 2 5.94% $14,049
    CORNERSTONE HOME LENDING, INC. 2 6.00% $27,231
    EVERETT FINANCIAL, INC. 2 7.38% $10,704
    First Bank 2 6.56% $7,440
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 5.88% $17,174
    HOMESIDE FINANCIAL, LLC 2 6.19% $24,424
    INTELLILOAN, INC. 2 5.69% $2,183
    Meridian Bank Corporation 2 5.63% $7,093
    ML Mortgage Corp. 2 6.62% $17,829
    MORTGAGE MANAGEMENT CONSULTANTS, INC. 2 6.44% $10,724
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 5.56% $9,222
    South Pacific Financial Corporation 2 5.94% $16,891
    ST FIN CORP 2 6.13% $22,851
    Texana Bank 2 5.63% $21,093
    VERITAS FUNDING, LLC 2 5.94% $33,112
    LOANFLIGHT LENDING, LLC 1 6.75% $29,012
    LENOX FINANCIAL MORTGAGE CORPORATION 1 5.63% $36,960
    INTERCAP LENDING INC. 1 6.00% $15,202
    HOMESTEAD FUNDING CORP. 1 5.49% $5,505
    HomePromise Corporation 1 7.38% $8,315
    NORWICH COMMERCIAL GROUP, INC. 1 6.63% $6,630
    Granite Community Bank 1 5.63% $2,798
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.75% $4,751
    GEO-CORP, INC. 1 6.88% $23,050
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.63% $6,249
    PANORAMA MORTGAGE GROUP, LLC 1 7.25% $10,833
    Florida Capital Bank 1 6.38% $9,101
    FIRST COMMUNITY MORTGAGE, INC. 1 6.75% $20,234
    Fidelity Bank 1 6.63% $21,883
    ENVOY MORTGAGE, LTD 1 6.63% $5,948
    DIRECTORS MORTGAGE, INC. 1 6.88% $13,813
    Plains Commerce Bank 1 6.00% $14,456
    DATA MORTGAGE, INC. 1 6.25% $9,162
    Cornerstone First Mortgage, Inc 1 6.63% $15,323
    POINT Mortgage 1 6.00% $2,299
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.00% $32,829
    V.I.P. MORTGAGE, INC. 1 6.75% $7,589
    COMPASS MORTGAGE, INC. 1 6.75% $18,270
    Prosperity Home Mortgage, LLC 1 7.00% $6,003
    CITYWIDE HOME LOANS, LLC 1 5.75% $20,261
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.25% $16,617
    S1L, Inc. 1 6.75% $7,098
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 5.63% $10,731
    Shea Mortgage Inc. 1 6.63% $13,585
    CHURCHILL MORTGAGE CORPORATION 1 6.13% $17,858
    Watermark Capital, Inc. 1 5.88% $25,447
    Waterstone Mortgage Corporation 1 6.25% $45,027
    SUCCESS MORTGAGE PARTNERS, INC. 1 5.63% $41,194
    CANOPY MORTGAGE, LLC 1 6.63% $20,058
    T2 FINANCIAL LLC 1 6.25% $8,762
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.13% $9,039
    BRIDGELOCK CAPITAL 1 6.63% $4,569
    BNB FINANCIAL INC. 1 6.25% $8,186
    TruHome Solutions, LLC 1 6.63% $3,490
    Bank of England 1 6.13% $14,029
    AXIA FINANCIAL, LLC 1 6.13% $3,973
    Arvest Bank 1 5.38% $7,587
    American Mortgage Bank, LLC 1 6.25% $22,091
    Ameris Bank 1 6.25% $12,205
    MOUNTAIN WEST FINANCIAL, INC. 1 7.13% $33,101
    MICHIGAN MUTUAL, INC. 1 6.25% $1,227
    Nations Lending Corporation 1 5.75% $24,851
    MASON MCDUFFIE MORTGAGE CORPORATION 1 7.25% $34,391
    NBH Bank 1 6.75% $1,936

    The top Los Angeles VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 646 VA loans originated. Their average total fees are $11,637, which is $523 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Los Angeles VA lenders (with over 10 loans originated) are KBHS HOME LOANS, LLC ($5,243), HOMEAMERICAN MORTGAGE CORPORATION ($5,950), PLANET HOME LENDING, LLC ($6,487), DHI MORTGAGE COMPANY, LTD. ($7,872) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($7,934).

    The lowest rate Los Angeles VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.36%), HOMEAMERICAN MORTGAGE CORPORATION (5.47%), Lakeview Community Capital, LLC (5.54%), LOANDEPOT.COM, LLC (5.61%) and EAGLE HOME MORTGAGE, LLC (5.66%).

    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.