Riverside VA Loan Rates, Closing Costs & Stats

RIVERSIDE-SAN BERNARDINO-ONTARIO, 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.

    Riverside's 181 lenders originated 6,256 VA loans during 2024. The total origination value was $3,395,110,000, with an average VA loan value of $542,697.

    Riverside VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Riverside averaged 6.44% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Riverside's average VA mortgage closing costs are $7,821.

    The average rate for the prior week (2025-07-11) was 6.63% and one month ago for the week of 2025-06-13, the average rate was 6.8%.

    The average rate one year ago was 6.5%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.54%.

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

    Riverside 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 Riverside level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 1,296 5.90% $9,344
    Mortgage Research Center, LLC 439 6.22% $8,840
    QUICKEN LOANS, LLC 407 5.96% $11,447
    FREEDOM MORTGAGE CORPORATION 323 6.01% $11,838
    LOANDEPOT.COM, LLC 267 5.83% $15,659
    EAGLE HOME MORTGAGE, LLC 186 5.35% $6,350
    DHI MORTGAGE COMPANY, LTD. 174 5.20% $10,991
    NAVY FEDERAL CREDIT UNION 153 5.84% $8,204
    PENNYMAC LOAN SERVICES, LLC 130 5.71% $10,788
    CROSSCOUNTRY MORTGAGE, LLC 114 6.29% $12,327
    VILLAGE CAPITAL MORTGAGE 109 5.68% $9,871
    NEWREZ LLC 109 6.14% $11,738
    GUARANTEED RATE, INC. 97 6.08% $8,438
    KBHS HOME LOANS, LLC 91 5.79% $12,086
    SUN WEST MORTGAGE COMPANY, INC. 91 5.92% $9,914
    The Loan Store, Inc. 72 6.11% $14,114
    HOMEAMERICAN MORTGAGE CORPORATION 68 5.18% $5,230
    Paramount Residential Mortgage Group, Inc. 68 6.41% $12,033
    PULTE MORTGAGE LLC 64 5.51% $4,651
    South Pacific Financial Corporation 53 5.70% $11,375
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 52 6.39% $12,371
    Equity Prime Mortgage LLC 51 6.33% $12,569
    CMG MORTGAGE, INC. 51 6.13% $15,296
    AMERICAN FINANCIAL NETWORK, INC. 49 6.09% $10,218
    MORTGAGE SOLUTIONS OF COLORADO, LLC 49 6.71% $11,048
    The Federal Savings Bank 48 6.16% $21,023
    NEW DAY FINANCIAL, LLC 45 7.54% $17,737
    Franklin Loan Corporation 44 6.33% $11,361
    BROKER SOLUTIONS, INC. 43 6.30% $13,498
    PLANET HOME LENDING, LLC 43 5.67% $5,795
    OCMBC, INC. 42 6.32% $10,534
    MOVEMENT MORTGAGE, LLC 42 6.13% $15,690
    USAA Federal Savings Bank 39 6.26% $11,843
    LAKEVIEW LOAN SERVICING, LLC 34 5.73% $7,021
    INSPIRE HOME LOANS INC. 33 5.27% $10,530
    GUILD MORTGAGE COMPANY 32 6.22% $11,841
    Lakeview Community Capital, LLC 32 5.54% $8,362
    Flagstar Bank, FSB 29 6.04% $10,835
    AMERICAN PACIFIC MORTGAGE CORPORATION 29 6.54% $18,996
    Mr. Cooper ( Nationstar Mortgage ) 29 6.03% $11,378
    ZILLOW HOME LOANS, LLC 28 6.17% $11,290
    Golden Empire Mortgage, Inc. 26 6.46% $13,879
    CLEARPATH LENDING 24 5.71% $8,929
    LOANPAL, LLC 22 5.72% $15,076
    Hometown Equity Mortgage, LLC 22 5.58% $12,810
    Barrington Bank & Trust Company, N.A. 20 6.14% $8,725
    Century Mortgage Company DBA Century Lending Company 20 6.19% $12,112
    U.S. Bank 20 5.90% $10,712
    MUTUAL OF OMAHA MORTGAGE, INC. 17 6.06% $18,551
    FIRST COLONY MORTGAGE CORPORATION 16 5.94% $10,770
    Magnolia Bank 15 5.70% $21,804
    JPMorgan Chase Bank 15 5.92% $3,645
    NATIONS DIRECT MORTGAGE, LLC 14 6.62% $11,754
    HOMEBRIDGE FINANCIAL SERVICES, INC. 14 6.47% $12,265
    AMERISAVE MORTGAGE CORPORATION 14 5.96% $19,827
    ML Mortgage Corp. 14 6.37% $13,774
    Carrington Mortgage Services, LLC 14 5.96% $12,243
    AHL FUNDING 13 6.45% $11,403
    BAY EQUITY LLC 13 6.18% $12,058
    FBC MORTGAGE, LLC 13 5.75% $3,031
    FIRST NATIONS HOME FINANCE CORPORATION 13 6.29% $6,856
    MORTGAGEONE, INC. 13 6.30% $13,548
    NBKC BANK 13 6.11% $5,425
    NETWORK CAPITAL FUNDING CORPORATION 13 5.89% $15,616
    Pacific Lending LLC 13 6.46% $16,463
    PLAZA HOME MORTGAGE, INC. 13 5.96% $13,827
    PRIMELENDING, A PLAINSCAPITAL COMPANY 12 6.59% $11,706
    NFM, INC. 12 5.87% $16,012
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 11 6.01% $13,702
    GENEVA FINANCIAL, LLC 10 6.79% $20,211
    Sierra Pacific Mortgage Company, Inc. 10 6.15% $7,176
    AXIA FINANCIAL, LLC 10 6.38% $10,168
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 10 6.26% $14,239
    JMJ FINANCIAL GROUP 10 6.16% $13,626
    JMAC LENDING, INC. 10 5.86% $9,201
    PENTAGON FEDERAL CREDIT UNION 9 5.78% $13,273
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 9 5.56% $6,096
    Home Mortgage Alliance Corp 9 6.24% $13,864
    PHH Mortgage Corporation 9 5.61% $6,342
    Commerce Home Mortgage, Inc. 8 5.95% $9,795
    First Federal Bank 8 5.66% $7,825
    Cornerstone First Mortgage, Inc 8 6.13% $10,742
    Plains Commerce Bank 7 6.20% $7,121
    HOMESIDE FINANCIAL, LLC 7 6.10% $22,997
    ST FIN CORP 7 6.59% $15,770
    Performance Financial, Inc. 7 6.64% $8,308
    Nations Lending Corporation 6 6.21% $12,180
    CITYWIDE HOME LOANS, LLC 6 6.33% $14,417
    CLM MORTGAGE, INC 6 5.75% $13,315
    LADERA LENDING, INC. 6 5.79% $5,884
    GUARANTEED RATE AFFINITY, LLC 6 6.13% $9,348
    CARDINAL FINANCIAL 5 6.58% $32,308
    INTERCAP LENDING INC. 5 6.43% $13,881
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 5 6.53% $10,099
    MOUNTAIN WEST FINANCIAL, INC. 5 6.38% $12,768
    AMERITRUST MORTGAGE CORPORATION 5 6.40% $13,053
    US MORTGAGE CORPORATION 5 6.13% $9,738
    Ameris Bank 5 6.00% $15,319
    S1L, Inc. 5 5.90% $22,644
    Wells Fargo Bank 4 6.16% $12,999
    Texana Bank 4 6.16% $13,918
    Ixonia Bank 4 5.81% $16,659
    AmeriHome Mortgage Company, LLC 4 5.84% $14,109
    TOWNE MORTGAGE COMPANY 4 6.40% $13,049
    CORNERSTONE HOME LENDING, INC. 4 6.47% $6,848
    ONY GLO, INC. 4 5.84% $9,144
    V.I.P. MORTGAGE, INC. 4 6.38% $14,422
    VERITAS FUNDING, LLC 4 6.56% $26,725
    Armed Forces Bank 4 6.16% $7,503
    Prosperity Home Mortgage, LLC 4 6.06% $7,075
    UNION HOME MORTGAGE CORP. 3 5.92% $12,317
    DIGNIFIED HOME LOANS, LLC 3 6.50% $12,122
    AMERICAN FINANCING CORPORATION 3 5.67% $11,446
    AMERICAN FINANCIAL RESOURCES, INC. 3 6.25% $10,383
    ALLIED MORTGAGE GROUP, INC. 3 6.08% $7,368
    ENVOY MORTGAGE, LTD 3 6.50% $11,232
    NATIONWIDE MORTGAGE BANKERS, INC. 3 6.71% $21,793
    BAY-VALLEY MORTGAGE GROUP 3 6.33% $15,415
    OPEN MORTGAGE, LLC 3 6.25% $31,412
    PACIFIC RESIDENTIAL MORTGAGE, LLC 3 6.67% $24,269
    DIRECT MORTGAGE, CORP. 3 5.79% $11,088
    HOMEXPRESS MORTGAGE CORP. 3 6.71% $3,175
    ISERVE RESIDENTIAL LENDING, LLC 2 6.63% $7,424
    MY MORTGAGE, INC. 2 5.94% $15,092
    CAMPOS FINANCIAL CORP. 2 6.75% $19,362
    SECURITYNATIONAL MORTGAGE COMPANY 2 7.00% $13,474
    LAND HOME FINANCIAL SERVICES, INC. 2 6.88% $12,645
    POINT Mortgage 2 6.25% $10,297
    American Mortgage & Equity Consultants, Inc. 2 6.50% $16,780
    CHURCHILL MORTGAGE CORPORATION 2 6.69% $14,485
    MORIA DEVELOPMENT, INC. 2 6.38% $11,390
    SUMMIT FUNDING, INC. 2 6.06% $13,066
    San Diego Funding 2 6.00% $19,119
    HighTechLending Inc 2 5.94% $3,997
    Credence Funding Corporation 2 5.74% $10,612
    MLD MORTGAGE INC. 2 5.75% $8,415
    GoPrime Mortgage, Inc. 2 6.38% $8,041
    First-Citizens Bank & Trust Company 1 5.63% $6,026
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 5.63% $24,279
    EMM LOANS LLC 1 6.13% $20,198
    DIRECTIONS EQUITY, LLC 1 6.25% $16,515
    INTELLILOAN, INC. 1 5.74% $2,332
    DAS Acquisition Company, LLC 1 6.13% $12,094
    KINECTA 1 6.63% $11,980
    CONTOUR MORTGAGE CORPORATION 1 5.25% $4,980
    LOANLEADERS OF AMERICA, INC. 1 5.25% $22,722
    MEGASTAR FINANCIAL CORP. 1 6.13% $28,652
    MLB RESIDENTIAL LENDING, LLC 1 6.38% $24,984
    MONARCH FUNDING CORP. 1 5.63% $25,278
    CASTLE & COOKE MORTGAGE, LLC 1 6.13% $14,103
    CANOPY MORTGAGE, LLC 1 5.75% $2,034
    M&T Bank 1 5.50% $38,649
    BRIDGELOCK CAPITAL 1 6.13% $17,133
    BM Real Estate Services, Inc. 1 6.63% $21,719
    VISION ONE MORTGAGE, INC. 1 6.50% $4,416
    Waterstone Mortgage Corporation 1 5.75% $15,228
    Bell Bank 1 6.00% $11,966
    BECKAM FUNDING CORP. 1 7.75% $24,429
    North American Savings Bank, F.S.B. 1 5.25% $2,675
    Northpointe Bank 1 6.00% $2,608
    NORWICH COMMERCIAL GROUP, INC. 1 6.25% $5,045
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 5.75% $2,230
    NP, Inc. 1 6.25% $6,515
    NuVision Federal Credit Union 1 6.50% $7,278
    Bank of America 1 6.38% $7,827
    AUGUSTA FINANCIAL, INC. 1 5.63% $13,029
    Alaska USA Federal Credit Union 1 5.38% $12,685
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.63% $22,103
    RELIANCE FIRST CAPITAL, LLC 1 6.25% $23,867
    RESIDENTIAL BANCORP 1 6.75% $1,858
    ROYAL UNITED MORTGAGE LLC 1 6.25% $28,196
    SCENIC OAKS FUNDING, INC. 1 6.25% $28,924
    Shea Mortgage Inc. 1 5.50% $5,989
    STARBOARD FINANCIAL MANAGEMENT, LLC 1 5.63% $9,074
    Summit Mortgage Corporation 1 6.75% $12,020
    T2 FINANCIAL LLC 1 5.63% $5,904
    The Central Trust Bank 1 5.99% $5,851
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.25% $19,818
    TOTAL MORTGAGE SERVICES, LLC 1 5.88% $20,916
    FIRST COMMUNITY MORTGAGE, INC. 1 5.99% $6,650
    GARDNER FINANCIAL SERVICES, LTD. 1 5.75% $25,195

    The top Riverside VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 1,296 VA loans originated. Their average total fees are $9,344, which is $504 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Riverside VA lenders (with over 10 loans originated) are FBC MORTGAGE, LLC ($3,031), JPMorgan Chase Bank ($3,645), PULTE MORTGAGE LLC ($4,651), HOMEAMERICAN MORTGAGE CORPORATION ($5,230) and NBKC BANK ($5,425).

    The lowest rate Riverside VA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (5.18%), DHI MORTGAGE COMPANY, LTD. (5.20%), INSPIRE HOME LOANS INC. (5.27%), EAGLE HOME MORTGAGE, LLC (5.35%) and PULTE MORTGAGE LLC (5.51%).

    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.