San Antonio VA Loan Rates, Closing Costs & Stats

SAN ANTONIO-NEW BRAUNFELS, TX

  • 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.

    San Antonio's 215 lenders originated 10,934 VA loans during 2024. The total origination value was $4,235,450,000, with an average VA loan value of $387,365.

    San Antonio VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in San Antonio averaged 6.13% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    San Antonio's average VA mortgage closing costs are $7,054.

    The average rate for the prior week (2025-07-11) was 5.82% and one month ago for the week of 2025-06-13, the average rate was 6.29%.

    The average rate one year ago was 5.89%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.13%.

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

    San Antonio 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 San Antonio level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    DHI MORTGAGE COMPANY, LTD. 896 4.76% $8,608
    UNITED WHOLESALE MORTGAGE, LLC 852 5.78% $7,399
    EAGLE HOME MORTGAGE, LLC 832 4.41% $3,841
    Mortgage Research Center, LLC 816 6.19% $7,429
    DIRECTIONS EQUITY, LLC 311 6.01% $6,439
    PULTE MORTGAGE LLC 305 4.80% $5,865
    KBHS HOME LOANS, LLC 305 5.69% $5,782
    FREEDOM MORTGAGE CORPORATION 272 5.96% $7,407
    LOANDEPOT.COM, LLC 265 5.37% $10,594
    CROSSCOUNTRY MORTGAGE, LLC 262 6.25% $7,703
    VELOCIO MORTGAGE L.L.C. 261 4.93% $5,135
    NAVY FEDERAL CREDIT UNION 215 5.90% $6,385
    PENNYMAC LOAN SERVICES, LLC 215 5.52% $8,987
    QUICKEN LOANS, LLC 199 5.86% $10,624
    PRIMELENDING, A PLAINSCAPITAL COMPANY 172 5.87% $7,337
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 170 5.71% $8,695
    GARDNER FINANCIAL SERVICES, LTD. 152 6.09% $16,108
    CMG MORTGAGE, INC. 137 5.96% $12,903
    CORNERSTONE HOME LENDING, INC. 136 5.80% $8,196
    VILLAGE CAPITAL MORTGAGE 136 5.69% $6,666
    INSPIRE HOME LOANS INC. 127 4.80% $8,636
    GUILD MORTGAGE COMPANY 124 6.15% $11,961
    M/I FINANCIAL, LLC 123 5.11% $15,500
    USAA Federal Savings Bank 117 6.14% $9,586
    GUARANTEED RATE, INC. 116 6.02% $7,209
    PILGRIM MORTGAGE LLC 104 6.26% $10,891
    CRESTMARK MORTGAGE COMPANY, LTD. 99 5.62% $7,518
    CLM MORTGAGE, INC 99 5.98% $5,322
    MORTGAGE SOLUTIONS OF COLORADO, LLC 97 7.04% $4,676
    PLANET HOME LENDING, LLC 85 5.46% $6,513
    NEWREZ LLC 85 5.98% $8,896
    BROKER SOLUTIONS, INC. 80 6.34% $12,624
    PRIORITY HOME MORTGAGE, L.P. 76 5.39% $8,646
    HOMESIDE FINANCIAL, LLC 71 6.20% $14,840
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 66 6.23% $10,005
    V.I.P. MORTGAGE, INC. 66 5.85% $10,154
    BROOKHOLLOW MORTGAGE SERVICES, LTD 59 5.33% $10,099
    MOVEMENT MORTGAGE, LLC 59 5.91% $12,943
    LAKEVIEW LOAN SERVICING, LLC 52 5.64% $6,789
    NBKC BANK 50 5.93% $8,212
    Network Funding, L.P. 45 6.02% $10,648
    LOANPEOPLE, LLC 44 6.03% $18,166
    SFMC, LP 43 6.02% $16,068
    SWBC MORTGAGE CORPORATION 43 6.19% $13,361
    DAS Acquisition Company, LLC 41 6.06% $8,944
    CARDINAL FINANCIAL 39 6.25% $13,792
    Century Mortgage Company DBA Century Lending Company 39 5.86% $7,917
    SOUTHERN LENDING SERVICES, LTD. 39 5.65% $6,379
    Gateway First Bank 37 6.04% $9,698
    Lakeview Community Capital, LLC 37 5.62% $6,670
    PENTAGON FEDERAL CREDIT UNION 36 6.04% $8,964
    PLAZA HOME MORTGAGE, INC. 33 5.81% $12,969
    JET HOMELOANS, LLC 33 5.61% $7,670
    Equity Prime Mortgage LLC 31 6.40% $9,153
    RB MORTGAGE LLC 31 6.06% $7,197
    MORTGAGE FINANCIAL SERVICES, LLC 30 5.98% $13,708
    SUMMIT FUNDING, INC. 30 6.15% $11,584
    AMERICAN PACIFIC MORTGAGE CORPORATION 28 6.27% $15,611
    Carrington Mortgage Services, LLC 27 5.91% $8,427
    FIRST CONTINENTAL MORTGAGE, LTD. 26 5.76% $9,306
    SECURITYNATIONAL MORTGAGE COMPANY 25 6.19% $17,197
    AmeriHome Mortgage Company, LLC 25 5.91% $5,543
    Plains Commerce Bank 25 6.13% $12,468
    BAY EQUITY LLC 23 6.20% $7,540
    Sunflower Bank 22 6.22% $13,886
    SOUTHWEST FUNDING, LP 21 6.05% $12,101
    First United Bank and Trust Company 20 6.09% $12,825
    First Federal Bank 18 5.80% $8,357
    SUN WEST MORTGAGE COMPANY, INC. 18 5.97% $8,914
    Flagstar Bank, FSB 18 6.14% $7,342
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 18 6.16% $11,496
    SeaTrust Mortgage Company 17 6.12% $11,430
    Armed Forces Bank 17 5.92% $9,466
    Integrity Home Mortgage Corp 17 6.11% $4,793
    Jefferson Bank 16 5.77% $9,449
    SENTE MORTGAGE, INC. 16 6.14% $15,507
    Mr. Cooper ( Nationstar Mortgage ) 16 5.77% $3,799
    JPMorgan Chase Bank 16 6.08% $4,291
    ZILLOW HOME LOANS, LLC 15 5.95% $7,312
    TJC Mortgage, Inc. 15 5.67% $14,186
    INTERLINC MORTGAGE SERVICES, LLC 15 5.67% $6,252
    GoPrime Mortgage, Inc. 14 6.10% $11,038
    TOWNE MORTGAGE COMPANY 13 6.11% $12,454
    Mid-Continent Funding, Inc. 12 6.07% $9,791
    ENVOY MORTGAGE, LTD 12 6.14% $8,932
    Paramount Residential Mortgage Group, Inc. 11 6.32% $12,761
    PHH Mortgage Corporation 11 5.51% $5,644
    Barrington Bank & Trust Company, N.A. 11 6.03% $7,701
    American Mortgage & Equity Consultants, Inc. 10 6.56% $11,367
    Wallick & Volk, Inc. 10 6.27% $11,091
    MUTUAL OF OMAHA MORTGAGE, INC. 10 6.41% $7,797
    CLEARPATH LENDING 9 5.47% $7,481
    AMERICAN FINANCIAL RESOURCES, INC. 9 6.65% $10,741
    The Federal Savings Bank 8 5.69% $11,620
    Cornerstone First Mortgage, Inc 8 6.44% $10,336
    CANOPY MORTGAGE, LLC 8 6.19% $20,850
    TBI MORTGAGE COMPANY 8 6.09% $15,302
    Bank of England 8 6.42% $6,918
    UNION HOME MORTGAGE CORP. 8 5.94% $9,845
    Keystone Funding, Inc. 7 6.11% $10,992
    AMERICAN FINANCIAL NETWORK, INC. 7 6.11% $9,382
    FBC MORTGAGE, LLC 7 6.00% $8,437
    MID AMERICA MORTGAGE, INC. 6 6.25% $8,269
    Encompass Lending Group, LP 6 6.35% $11,639
    NFM, INC. 6 6.33% $10,504
    CHURCHILL MORTGAGE CORPORATION 6 6.67% $12,104
    Credence Funding Corporation 5 5.53% $5,670
    THE MORTGAGE LINK, INC. 5 6.20% $13,594
    HOMEBRIDGE FINANCIAL SERVICES, INC. 5 6.00% $11,745
    CALCON MUTUAL MORTGAGE LLC 5 6.23% $15,081
    MORTGAGEONE, INC. 5 6.38% $6,155
    Ameris Bank 5 6.35% $6,041
    U.S. Bank 5 5.63% $9,053
    NEW FED MORTGAGE, CORP. 5 6.10% $10,815
    SUCCESS MORTGAGE PARTNERS, INC. 5 6.67% $17,898
    PREMIA MORTGAGE, LLC 4 5.72% $10,525
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 6.00% $8,083
    CITY FIRST MORTGAGE SERVICES, L.L.C. 4 6.59% $9,769
    GUARANTEED RATE AFFINITY, LLC 4 6.22% $7,546
    HALLMARK HOME MORTGAGE, LLC 4 6.71% $9,140
    JMAC LENDING, INC. 4 5.72% $8,899
    Nations Lending Corporation 4 6.69% $5,783
    NATIONS RELIABLE LENDING, LLC 4 6.31% $13,291
    NEW DAY FINANCIAL, LLC 4 6.84% $8,893
    Alcova Mortgage LLC 4 5.75% $6,457
    Sierra Pacific Mortgage Company, Inc. 4 5.44% $9,588
    Texana Bank 4 6.75% $8,446
    The Loan Store, Inc. 4 6.28% $10,288
    Waterstone Mortgage Corporation 4 6.31% $8,602
    Wells Fargo Bank 4 5.66% $14,766
    OPEN MORTGAGE, LLC 3 5.92% $7,793
    First National Bank Texas 3 5.79% $3,892
    ALLIED MORTGAGE GROUP, INC. 3 5.71% $10,128
    Commerce Home Mortgage, Inc. 3 6.46% $10,164
    INTERCAP LENDING INC. 3 5.96% $7,577
    Arvest Bank 3 6.25% $10,021
    S1L, Inc. 3 6.04% $17,402
    North American Savings Bank, F.S.B. 3 5.96% $6,296
    First Option Mortgage, LLC 3 6.54% $5,635
    Centennial Bank 3 6.08% $8,427
    Old National Bank 2 5.44% $13,650
    FIRST COMMUNITY MORTGAGE, INC. 2 5.94% $5,810
    ALLIANT CREDIT UNION 2 5.13% $7,000
    Golden Empire Mortgage, Inc. 2 6.69% $13,674
    Ixonia Bank 2 6.94% $6,662
    MLD MORTGAGE INC. 2 6.18% $2,868
    SOUTHWEST STAGE FUNDING, LLC 2 6.13% $1,000
    GENEVA FINANCIAL, LLC 2 6.25% $11,610
    Strong Home Mortgage, LLC 2 5.75% $12,745
    Prosperity Home Mortgage, LLC 2 6.63% $7,317
    BETTER MORTGAGE CORPORATION 2 5.56% $8,003
    Extraco Banks 2 5.94% $11,052
    T2 FINANCIAL LLC 2 7.00% $15,335
    BAYSHORE MORTGAGE FUNDING, LLC 2 6.31% $10,700
    OCEANSIDE MORTGAGE COMPANY 2 5.93% $8,466
    Bank of America 2 5.63% $1,894
    EVERETT FINANCIAL, INC. 2 6.81% $11,499
    ENCORE BANK 2 6.06% $7,317
    Assurance Financial Group, L.L.C. 2 6.50% $1,324
    Residential Mortgage Solutions, Inc. 1 6.00% $7,255
    EMM LOANS LLC 1 6.25% $9,536
    DIRECT MORTGAGE, CORP. 1 5.75% $5,185
    Zions Bank 1 6.63% $51,574
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C 1 6.00% $8,041
    CONTOUR MORTGAGE CORPORATION 1 7.00% $15,822
    STOCKTON MORTGAGE CORPORATION 1 5.50% $20,423
    City Bank 1 4.88% $9,973
    BOKF 1 6.50% $6,594
    BELEM SERVICING LLC 1 6.88% $6,168
    WILLOW BEND MORTGAGE COMPANY, LLC 1 6.75% $15,803
    Texas Mortgage Lending, LLC 1 6.63% $10,709
    The Central Trust Bank 1 5.50% $4,829
    BANK OF LITTLE ROCK MORTGAGE CORPORATION 1 7.13% $2,289
    Wolfe Financial, Inc 1 5.50% $3,702
    BancorpSouth 1 6.13% $13,712
    AXIA FINANCIAL, LLC 1 6.25% $4,366
    ARC HOME LLC 1 5.99% $10,082
    AMERISAVE MORTGAGE CORPORATION 1 6.75% $12,971
    Vellum Mortgage, Inc. 1 6.25% $12,584
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 4.63% $23,672
    Legends Bank 1 6.13% $10,832
    Midwest Mortgage Associates Corporation 1 6.13% $12,795
    MORIA DEVELOPMENT, INC. 1 7.13% $11,446
    MORTGAGE ACCESS CORP. 1 5.75% $9,933
    INTELLILOAN, INC. 1 5.63% $2,370
    HOMESTEAD FUNDING CORP. 1 5.75% $1,067
    INTEGRITY MORTGAGE CORPORATION OF TEXAS 1 6.63% $4,708
    HOMESPIRE MORTGAGE CORPORATION 1 6.63% $15,833
    HomePromise Corporation 1 7.13% $1,000
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.50% $21,525
    M&T Bank 1 6.13% $6,978
    HOME FINANCING UNLIMITED, INC. 1 7.38% $3,325
    NATIONS DIRECT MORTGAGE, LLC 1 5.13% $6,668
    American National Bank & Trust 1 6.25% $14,371
    American Mortgage Bank, LLC 1 6.63% $3,742
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.75% $10,014
    HighTechLending Inc 1 5.99% $8,510
    Hamilton Mortgage Corporation 1 6.13% $9,453
    NETWORK CAPITAL FUNDING CORPORATION 1 6.25% $21,879
    Gulf Coast Bank and Trust Company 1 6.50% $6,417
    GSF Mortgage Corporation 1 6.13% $11,340
    Granite Community Bank 1 6.25% $6,202
    OCMBC, INC. 1 7.13% $5,041
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 5.75% $12,826
    FM Home Loans, LLC 1 6.75% $5,628
    First State Bank 1 6.13% $8,117
    FIRSTMARK 1 6.13% $8,971
    First Financial Bank 1 6.25% $10,821
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.13% $5,769
    FIRST COLONY MORTGAGE CORPORATION 1 5.75% $10,231
    First Bank 1 6.13% $15,688
    Farmers Bank & Trust 1 5.50% $1,513
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 5.75% $4,258
    Red River Bank 1 5.50% $3,357
    Regions Bank 1 6.88% $7,759

    The top San Antonio VA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 896 VA loans originated. Their average total fees are $8,608, which is $1,209 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee San Antonio VA lenders (with over 10 loans originated) are Mr. Cooper ( Nationstar Mortgage ) ($3,799), EAGLE HOME MORTGAGE, LLC ($3,841), JPMorgan Chase Bank ($4,291), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,676) and Integrity Home Mortgage Corp ($4,793).

    The lowest rate San Antonio VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.41%), DHI MORTGAGE COMPANY, LTD. (4.76%), PULTE MORTGAGE LLC (4.80%), INSPIRE HOME LOANS INC. (4.80%) and VELOCIO MORTGAGE L.L.C. (4.93%).

    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.