North Port VA Loan Rates, Closing Costs & Stats

North Port-Sarasota-Bradenton, FL

  • 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.

    North Port's 144 lenders originated 1,546 VA loans during 2024. The total origination value was $712,580,000, with an average VA loan value of $460,918.

    North Port VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in North Port averaged 6.46% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    North Port's average VA mortgage closing costs are $7,748.

    The average rate for the prior week (2025-07-11) was 6.85% and one month ago for the week of 2025-06-13, the average rate was 6.72%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.75%.

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

    North Port 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 North Port level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 169 5.97% $8,640
    Mortgage Research Center, LLC 130 6.37% $8,151
    DHI MORTGAGE COMPANY, LTD. 95 5.20% $7,035
    QUICKEN LOANS, LLC 78 5.90% $12,611
    EAGLE HOME MORTGAGE, LLC 62 4.50% $5,267
    FREEDOM MORTGAGE CORPORATION 53 6.14% $12,039
    PULTE MORTGAGE LLC 49 5.40% $5,117
    CMG MORTGAGE, INC. 40 5.85% $16,839
    NAVY FEDERAL CREDIT UNION 39 6.04% $6,884
    South Pacific Financial Corporation 38 5.64% $10,079
    NEWREZ LLC 31 6.23% $13,345
    PENNYMAC LOAN SERVICES, LLC 31 5.87% $10,710
    LOANDEPOT.COM, LLC 29 5.55% $15,770
    CROSSCOUNTRY MORTGAGE, LLC 26 6.14% $10,536
    M/I FINANCIAL, LLC 25 5.79% $15,523
    Flagstar Bank, FSB 25 6.30% $7,208
    VILLAGE CAPITAL MORTGAGE 23 5.89% $12,079
    USAA Federal Savings Bank 19 6.38% $7,580
    FBC MORTGAGE, LLC 18 5.59% $11,247
    NEW DAY FINANCIAL, LLC 18 7.27% $19,816
    NEAL COMMUNITIES FUNDING, LLC 18 6.36% $7,558
    KBHS HOME LOANS, LLC 14 5.88% $7,551
    LAKEVIEW LOAN SERVICING, LLC 14 5.78% $6,139
    NVR Mortgage Finance, Inc. 13 6.40% $2,709
    GUARANTEED RATE, INC. 13 6.00% $6,412
    U.S. Bank 11 6.38% $12,600
    PLANET HOME LENDING, LLC 11 5.50% $7,206
    MATTAMY HOME FUNDING, LLC 10 6.07% $6,469
    BROKER SOLUTIONS, INC. 10 6.52% $10,265
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.08% $10,352
    MOVEMENT MORTGAGE, LLC 9 6.71% $8,943
    Paramount Residential Mortgage Group, Inc. 8 6.77% $14,784
    Mid-Continent Funding, Inc. 8 6.22% $8,832
    Barrington Bank & Trust Company, N.A. 8 6.30% $9,870
    MUTUAL OF OMAHA MORTGAGE, INC. 8 6.31% $21,536
    TBI MORTGAGE COMPANY 8 5.95% $15,664
    THE MORTGAGE FIRM, INC. 8 6.39% $10,796
    UNION HOME MORTGAGE CORP. 8 6.23% $13,935
    Century Mortgage Company DBA Century Lending Company 7 6.23% $5,303
    Regions Bank 7 5.46% $24,837
    CARDINAL FINANCIAL 7 6.39% $18,632
    Equity Prime Mortgage LLC 7 6.21% $11,109
    Mr. Cooper ( Nationstar Mortgage ) 7 6.38% $10,136
    MORTGAGE SOLUTIONS OF COLORADO, LLC 7 7.23% $8,489
    AMERICAN FINANCIAL NETWORK, INC. 7 6.02% $11,185
    GUARANTEED RATE AFFINITY, LLC 7 6.55% $11,741
    INSPIRE HOME LOANS INC. 7 4.96% $6,642
    VANDERBILT MORTGAGE AND FINANCE, INC. 6 4.87% $1,788
    Carrington Mortgage Services, LLC 6 5.81% $11,582
    STOCKTON MORTGAGE CORPORATION 6 6.65% $9,911
    AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.52% $19,291
    FAIRWAY FUNDING GROUP, INC. 5 5.65% $9,474
    Wells Fargo Bank 5 5.65% $17,573
    PENTAGON FEDERAL CREDIT UNION 5 6.13% $5,914
    NFM, INC. 5 5.98% $18,946
    The Federal Savings Bank 4 5.81% $21,858
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 5.78% $10,318
    CLEARPATH LENDING 4 5.72% $6,729
    Hancock Whitney Bank 4 5.84% $11,774
    HOMESIDE FINANCIAL, LLC 4 7.13% $10,363
    Ixonia Bank 4 6.38% $7,843
    JMAC LENDING, INC. 4 5.91% $10,186
    NBKC BANK 4 5.91% $8,351
    SUCCESS MORTGAGE PARTNERS, INC. 4 5.69% $13,603
    Lakeview Community Capital, LLC 3 5.88% $7,999
    South State Bank 3 6.42% $9,216
    Plains Commerce Bank 3 5.79% $6,861
    EVERETT FINANCIAL, INC. 3 6.54% $9,724
    Armed Forces Bank 3 5.54% $24,508
    Premium Mortgage Corporation 3 6.29% $6,594
    TJC Mortgage, Inc. 3 6.38% $7,318
    Ameris Bank 3 5.88% $7,354
    JPMorgan Chase Bank 3 6.58% $5,173
    Northpointe Bank 3 6.50% $9,632
    FIRST COLONY MORTGAGE CORPORATION 3 5.83% $15,449
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.54% $8,686
    RELIANCE FIRST CAPITAL, LLC 2 5.94% $12,120
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 5.75% $11,673
    EMM LOANS LLC 2 6.00% $7,339
    GUILD MORTGAGE COMPANY 2 6.44% $17,179
    LOANPAL, LLC 2 5.44% $14,924
    TOWNE MORTGAGE COMPANY 2 6.00% $11,185
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.13% $14,481
    Bell Bank 2 6.25% $1,892
    VAN DYK MORTGAGE CORPORATION 2 7.06% $12,253
    Bank of England 2 6.50% $18,261
    DAS Acquisition Company, LLC 2 5.87% $25,260
    ZILLOW HOME LOANS, LLC 2 6.50% $7,705
    GLENDENNING MORTGAGE CORPORATION 2 6.31% $32,575
    SUN WEST MORTGAGE COMPANY, INC. 2 5.37% $8,329
    PHH Mortgage Corporation 2 5.99% $4,257
    Pinnacle Bank 2 6.63% $5,023
    AmeriHome Mortgage Company, LLC 2 6.38% $15,208
    CITY FIRST MORTGAGE SERVICES, L.L.C. 2 6.75% $12,094
    S1L, Inc. 1 6.25% $10,481
    Semper Home Loans, Inc. 1 6.25% $11,893
    Sierra Pacific Mortgage Company, Inc. 1 6.13% $5,832
    Strong Home Mortgage, LLC 1 5.88% $8,027
    SUMMIT FUNDING, INC. 1 5.99% $16,600
    Atlantic Coast Mortgage, LLC 1 6.63% $7,238
    Texana Bank 1 6.25% $26,040
    THE EQUITABLE MORTGAGE CORPORATION 1 6.25% $22,045
    1ST FINANCIAL, INC. 1 5.99% $13,311
    The Loan Store, Inc. 1 6.63% $4,965
    The Union Bank Company 1 6.25% $16,224
    Towne Bank 1 5.75% $5,793
    Truist 1 6.25% $3,671
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.00% $32,613
    American Mortgage & Equity Consultants, Inc. 1 6.75% $898
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $20,205
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.99% $221
    Alcova Mortgage LLC 1 5.99% $8,266
    GoPrime Mortgage, Inc. 1 7.00% $7,596
    V.I.P. MORTGAGE, INC. 1 6.25% $4,280
    INTELLILOAN, INC. 1 6.00% $8,630
    Waterstone Mortgage Corporation 1 5.88% $17,598
    Goldwater Bank, N.A. 1 6.63% $4,076
    Keystone Funding, Inc. 1 7.13% $3,176
    LADERA LENDING, INC. 1 7.00% $13,177
    GERSHMAN INVESTMENT CORP. 1 6.25% $25,423
    GARDNER FINANCIAL SERVICES, LTD. 1 6.25% $13,477
    Florida Capital Bank 1 6.50% $9,160
    MLB RESIDENTIAL LENDING, LLC 1 5.75% $12,007
    ML Mortgage Corp. 1 7.25% $7,315
    MORTGAGEONE, INC. 1 5.75% $12,454
    First Western Trust Bank 1 6.50% $7,100
    First State Bank 1 6.63% $5,275
    FIRST MORTGAGE COMPANY, INC. 1 5.75% $2,333
    First Heritage Mortgage, LLC 1 5.75% $10,913
    First Federal Bank 1 5.25% $1,878
    ABSOLUTE HOME MORTGAGE CORPORATION 1 7.25% $8,799
    FEDERATED MORTGAGE CORP. 1 5.25% $23,600
    NETWORK CAPITAL FUNDING CORPORATION 1 6.13% $25,893
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 5.75% $7,057
    EQUITY RESOURCES, INC. 1 6.25% $2,212
    NORWICH COMMERCIAL GROUP, INC. 1 6.25% $4,766
    Old National Bank 1 5.50% $10,739
    EMBRACE HOME LOANS, INC. 1 4.99% $13,760
    COMPASS MORTGAGE, INC. 1 6.25% $29,689
    PNC Bank 1 7.00% $3,090
    Presidential Bank, FSB 1 6.75% $7,101
    Citizens Bank 1 6.50% $3,051
    CHURCHILL MORTGAGE CORPORATION 1 6.75% $27,987
    Centennial Bank 1 6.00% $7,859

    The top North Port VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 169 VA loans originated. Their average total fees are $8,640, which is $488 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee North Port VA lenders (with over 10 loans originated) are NVR Mortgage Finance, Inc. ($2,709), PULTE MORTGAGE LLC ($5,117), EAGLE HOME MORTGAGE, LLC ($5,267), LAKEVIEW LOAN SERVICING, LLC ($6,139) and GUARANTEED RATE, INC. ($6,412).

    The lowest rate North Port VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.50%), DHI MORTGAGE COMPANY, LTD. (5.20%), PULTE MORTGAGE LLC (5.40%), PLANET HOME LENDING, LLC (5.50%) and LOANDEPOT.COM, LLC (5.55%).

    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.