Pittsburgh VA Loan Rates, Closing Costs & Stats

PITTSBURGH, PA

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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.

    Pittsburgh's 133 lenders originated 1,808 VA loans during 2024. The total origination value was $503,520,000, with an average VA loan value of $278,496.

    Pittsburgh VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pittsburgh averaged 6.92% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Pittsburgh's average VA mortgage closing costs are $6,554.

    The average rate for the prior week (2025-07-11) was 6.91% and one month ago for the week of 2025-06-13, the average rate was 6.68%.

    The average rate one year ago was 6.98%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.61%.

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

    Pittsburgh 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 Pittsburgh level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 407 6.40% $5,896
    UNITED WHOLESALE MORTGAGE, LLC 136 6.04% $7,670
    QUICKEN LOANS, LLC 122 6.28% $11,024
    NAVY FEDERAL CREDIT UNION 85 6.00% $5,489
    FREEDOM MORTGAGE CORPORATION 71 6.24% $8,181
    NEW DAY FINANCIAL, LLC 51 7.54% $11,027
    PENNYMAC LOAN SERVICES, LLC 49 5.76% $8,040
    NVR Mortgage Finance, Inc. 44 6.00% $9,727
    MOVEMENT MORTGAGE, LLC 40 6.50% $8,603
    USAA Federal Savings Bank 35 6.44% $7,822
    PLAZA HOME MORTGAGE, INC. 33 6.26% $10,102
    HOWARD HANNA FINANCIAL SERVICES, INC. 26 6.10% $9,374
    NEWREZ LLC 26 6.16% $8,057
    UNION HOME MORTGAGE CORP. 24 6.61% $10,763
    Victorian Finance, LLC 23 6.42% $8,915
    GUARANTEED RATE AFFINITY, LLC 22 6.15% $7,185
    WEST PENN FINANCIAL SERVICE CENTER, INC. 21 6.16% $9,848
    VILLAGE CAPITAL MORTGAGE 20 5.69% $6,334
    CROSSCOUNTRY MORTGAGE, LLC 20 6.28% $8,636
    LOANDEPOT.COM, LLC 20 6.49% $10,378
    Barrington Bank & Trust Company, N.A. 17 6.27% $5,302
    AFFORDABLE MORTGAGE ADVISORS, LLC. 17 6.39% $8,708
    STOCKTON MORTGAGE CORPORATION 14 6.17% $10,996
    Mid-Continent Funding, Inc. 13 5.97% $5,666
    Citizens Bank 13 6.40% $6,705
    The Federal Savings Bank 13 6.56% $13,507
    Union Savings Bank 13 6.01% $6,209
    EQUITY RESOURCES, INC. 12 6.29% $5,268
    DHI MORTGAGE COMPANY, LTD. 10 6.13% $12,903
    PLANET HOME LENDING, LLC 10 5.81% $4,867
    FEDERATED MORTGAGE CORP. 10 6.04% $6,979
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 6.51% $9,592
    PNC Bank 9 6.78% $7,328
    LAKEVIEW LOAN SERVICING, LLC 9 5.97% $4,769
    Magnolia Bank 8 5.98% $22,936
    U.S. Bank 8 6.50% $8,116
    First National Bank of Pennsylvania 7 6.07% $5,551
    TOWNE MORTGAGE COMPANY 7 6.75% $9,031
    The Huntington National Bank 7 6.70% $3,264
    MICHIGAN MUTUAL, INC. 7 6.32% $6,743
    SWBC MORTGAGE CORPORATION 7 6.18% $9,586
    AMERICAN FINANCIAL NETWORK, INC. 7 6.25% $8,272
    PENTAGON FEDERAL CREDIT UNION 6 6.21% $6,908
    Mr. Cooper ( Nationstar Mortgage ) 6 6.31% $13,197
    GUILD MORTGAGE COMPANY 6 6.27% $10,525
    BAY EQUITY LLC 6 6.58% $7,018
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.55% $9,046
    BROKER SOLUTIONS, INC. 5 6.83% $12,302
    First Commonwealth Bank 5 5.90% $8,234
    RELIANCE FIRST CAPITAL, LLC 5 6.00% $9,959
    Flagstar Bank, FSB 5 6.80% $8,202
    Dollar Bank, Federal Savings Bank 5 6.65% $6,315
    Carrington Mortgage Services, LLC 5 5.90% $10,883
    First Federal Bank 4 6.09% $4,861
    CARDINAL FINANCIAL 4 6.38% $12,819
    AMERICAN FINANCIAL RESOURCES, INC. 4 6.59% $7,204
    DAS Acquisition Company, LLC 4 6.50% $20,179
    Univest Bank and Trust Co. 4 6.16% $9,947
    HOMESTEAD FUNDING CORP. 4 5.97% $4,308
    First Heritage Mortgage, LLC 3 6.38% $6,335
    Wells Fargo Bank 3 6.25% $7,219
    AmeriHome Mortgage Company, LLC 3 6.25% $5,677
    WesBanco 3 6.50% $6,284
    CMG MORTGAGE, INC. 3 6.54% $7,114
    CLEARPATH LENDING 3 5.83% $4,564
    Nations Lending Corporation 3 6.08% $13,476
    Paramount Residential Mortgage Group, Inc. 3 6.67% $6,331
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 7.38% $9,125
    The Loan Store, Inc. 3 6.21% $11,817
    LOANPAL, LLC 3 5.79% $10,394
    CALCON MUTUAL MORTGAGE LLC 2 5.81% $3,144
    AMERISAVE MORTGAGE CORPORATION 2 5.38% $12,854
    Armed Forces Bank 2 6.50% $13,337
    Credence Funding Corporation 2 5.25% $8,755
    Equity Prime Mortgage LLC 2 7.31% $5,572
    First Federal Bank of the Midwest 2 6.69% $6,936
    GUARANTEED RATE, INC. 2 6.74% $0
    JMAC LENDING, INC. 2 6.50% $7,392
    JPMorgan Chase Bank 2 6.37% $11,455
    MORTGAGEONE, INC. 2 5.81% $5,679
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.44% $13,538
    NATIONWIDE MORTGAGE BANKERS, INC. 2 6.75% $14,140
    Northwest Bank 2 6.69% $5,148
    NORWICH COMMERCIAL GROUP, INC. 2 6.00% $2,638
    Plains Commerce Bank 2 6.50% $9,909
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.06% $6,606
    SUN WEST MORTGAGE COMPANY, INC. 2 5.68% $4,657
    MEMBER ADVANTAGE MORTGAGE, LLC 1 6.00% $10,901
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 5.99% $19,189
    Arvest Bank 1 6.50% $3,945
    MASON MCDUFFIE MORTGAGE CORPORATION 1 7.75% $12,458
    Old National Bank 1 5.50% $4,056
    LEADERONE FINANCIAL CORPORATION 1 6.00% $15,380
    LAND HOME FINANCIAL SERVICES, INC. 1 6.25% $6,582
    Lakeview Community Capital, LLC 1 6.25% $1,799
    Ameris Bank 1 6.13% $11,866
    KeyBank 1 7.00% $30,878
    INTERCOASTAL MORTGAGE COMPANY 1 6.75% $4,678
    INTELLILOAN, INC. 1 5.75% $3,761
    POLARIS HOME FUNDING CORP. 1 6.75% $10,445
    Premium Mortgage Corporation 1 6.75% $16,333
    ALLIANT CREDIT UNION 1 6.00% $3,534
    Princeton Mortgage Corporation 1 5.99% $12,586
    Prosperity Home Mortgage, LLC 1 7.00% $9,739
    HOMESIDE FINANCIAL, LLC 1 7.50% $28,899
    HomePromise Corporation 1 6.75% $8,040
    ROYAL UNITED MORTGAGE LLC 1 7.25% $10,258
    RUOFF MORTGAGE COMPANY, INC. 1 7.00% $17,908
    Sail Mortgage Corp. 1 6.88% $9,716
    SIRVA MORTGAGE, INC. 1 6.38% $5,394
    SOUTHWEST FUNDING, LP 1 7.13% $50
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.63% $120
    ZILLOW HOME LOANS, LLC 1 6.00% $7,643
    GoPrime Mortgage, Inc. 1 8.13% $4,309
    T2 FINANCIAL LLC 1 6.00% $6,302
    First Western Trust Bank 1 6.75% $625
    FIRST HOME MORTGAGE CORPORATION 1 6.63% $10,295
    FIRST COMMUNITY MORTGAGE, INC. 1 6.63% $12,605
    Fifth Third Bank 1 7.00% $8,364
    UMB Bank 1 5.75% $6,160
    FBC MORTGAGE, LLC 1 5.99% $6,410
    EVANSVILLE TEACHERS 1 7.00% $6,860
    CORTRUST MORTGAGE, INC. 1 6.25% $17,969
    Cornerstone First Mortgage, Inc 1 5.75% $12,387
    Century Mortgage Company DBA Century Lending Company 1 6.25% $75
    BAY CAPITAL MORTGAGE CORPORATION 1 6.25% $10,097
    Mortgage America, Inc. 1 6.13% $12,119
    VAN DYK MORTGAGE CORPORATION 1 6.99% $14,646
    NATIONS DIRECT MORTGAGE, LLC 1 5.25% $5,741
    MORIA DEVELOPMENT, INC. 1 7.25% $5,048
    Bank of America 1 6.13% $30,654
    MILEND, INC. 1 6.13% $12,737
    Mid Penn Bank 1 6.00% $4,035

    The top Pittsburgh VA lender as defined by loan originations is Mortgage Research Center, LLC, with 407 VA loans originated. Their average total fees are $5,896, which is $1,774 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Pittsburgh VA lenders (with over 10 loans originated) are PLANET HOME LENDING, LLC ($4,867), EQUITY RESOURCES, INC. ($5,268), Barrington Bank & Trust Company, N.A. ($5,302), NAVY FEDERAL CREDIT UNION ($5,489) and Mid-Continent Funding, Inc. ($5,666).

    The lowest rate Pittsburgh VA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (5.69%), PENNYMAC LOAN SERVICES, LLC (5.76%), PLANET HOME LENDING, LLC (5.81%), Mid-Continent Funding, Inc. (5.97%) and NAVY FEDERAL CREDIT UNION (6.00%).

    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.