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Rate Trends

Best VA Mortgage Rates Today October 2026 | As Low As 6.25%

Content reviewed by
Brian McKay Brian McKay
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Last Updated: October 14, 2026

VA mortgage rates range from 6.25% to 8.12%, verified by MonitorBankRates as of October 14, 2026. Today's VA mortgage rate mortgage market includes offers such as Cedar Point Federal Credit UnionCedar Point Federal Credit Union11100 Weymouth Ct, Charlotte Hall, MD 20603A+5.0 ★Texas Ratio: 2.72% offering Federal VA 30 Year Fixed Rate at 6.50%, and Advantage One Credit UnionAdvantage One Credit Union11153 Telegraph Rd, Brownstown, MI 48134A+5.0 ★Texas Ratio: 5.43% offering VA Fixed-Rate Mortgage - 30-Year at 6.25%, and Family Security Credit UnionFamily Security Credit Union11400 AL Highway 157, Albertville, AL 35055A+5.0 ★Texas Ratio: 1.16% offering Home - 30 Year VA Loan at 6.25%, and Langley Federal Credit UnionLangley Federal Credit Union1055 W Mercury Blvd, Carrollton, NC 23060 5814A5.0 ★Texas Ratio: 10.20% offering VA Mortgage Loan at 6.50%, and Educators Credit UnionEducators Credit Union100 Chapman Farm Blvd, Beloit, WI 53105A+5.0 ★Texas Ratio: 4.30% offering VA Mortgage Products - 30-year Fixed at 6.75%.

The VA mortgage rate mortgage is the most popular home loan in the United States, prized for its predictable monthly payment and long amortization period that keeps monthly costs manageable. Whether you are a first-time homebuyer or refinancing an existing loan, comparing rates across lenders is the single most effective way to save — even a 0.25% rate difference on a $400,000 loan saves over $20,000 in total interest over 30 years. We empower borrowers with transparent financial health metrics — including A–F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable institution with confidence.

VA Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers across the country. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 14, 2026

Compare VA Mortgage Rates

Today's VA Mortgage Rate Context: The average VA mortgage rate is 7.731%, up 0.099% from last week. The table below shows VA mortgage rate offers from banks and credit unions. Locking your rate now may be advisable if you are close to closing. Source: Verified Mortgage Rate Data provided by MonitorBankRates.com.
State:
Source: Verified Mortgage Rate Data provided by MonitorBankRates.com
Lender
Product
Term
Rate ▲
APR
Profile
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO 64012
VA Mortgage - Purchase 30 Year Fixed
30 Year
6.25%
View
▼
Rate
APR6.25%
Points0.000
UpdatedOct 13, 2026
Address400 Towne Center Drive, BELTON, MO 64012
Details

As Low As; 1% Origination Fee charged on all 1st Mortgages. Other fees may apply that could affect the final APR.

Rate History
1 change since Sep 14, 2026 · 5.90% → 6.25% ▲ 0.35 pts · high 6.25% / low 5.90%
5.40%6.08%6.75%Sep 14, 2026: 5.90% APROct 2, 2026: 6.25% APRSep 14, 2026Oct 15, 2026
  • Oct 2, 20266.25%▲ from 5.90%
  • Sep 14, 20265.90%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
11100 Weymouth Ct, Charlotte Hall, MD 20603
Federal VA 30 Year Fixed Rate
30 years
6.50%
6.52%
View
▼
Rate6.50%
APR6.52%
Points0.000
UpdatedOct 12, 2026
Address11100 Weymouth Ct, Charlotte Hall, MD 20603
Details

VA Loans

Rate History
No change since Sep 14, 2026 · 6.52% APR · checked 8 times
6.02%6.52%7.02%Sep 14, 2026: 6.52% APRSep 14, 2026Oct 15, 2026
Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
11153 Telegraph Rd, Brownstown, MI 48134
VA Fixed-Rate Mortgage - 30-Year
30 years
6.25%
6.62%
View
▼
Rate6.25%
APR6.62%
Points0.000
UpdatedOct 14, 2026
Address11153 Telegraph Rd, Brownstown, MI 48134
Details

Points 0.0

Rate History
No change since Sep 14, 2026 · 6.62% APR · checked 8 times
6.12%6.62%7.12%Sep 14, 2026: 6.62% APRSep 14, 2026Oct 15, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
11400 AL Highway 157, Albertville, AL 35055
Home - 30 Year VA Loan
30 Year
6.25%
6.67%
View
▼
Rate6.25%
APR6.67%
Points0.000
UpdatedOct 9, 2026
Address11400 AL Highway 157, Albertville, AL 35055
Details

**********

Rate History
No change since Sep 14, 2026 · 6.67% APR · checked 6 times
6.17%6.67%7.17%Sep 14, 2026: 6.67% APRSep 14, 2026Oct 15, 2026
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
1055 W Mercury Blvd, Carrollton, NC 23060 5814
VA Mortgage Loan
30 years
6.50%
6.71%
View
▼
Rate6.50%
APR6.71%
Points0.000
UpdatedOct 14, 2026
Address1055 W Mercury Blvd, Carrollton, NC 23060 5814
Details

VA mortgage loan (VA Loan Rates table); APR* = Annual Percentage Rate

Rate History
No change since Oct 14, 2026 · 6.71% APR
6.21%6.71%7.21%Oct 14, 2026: 6.71% APROct 14, 2026Oct 15, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
100 Chapman Farm Blvd, Beloit, WI 53105
VA Mortgage Products - 30-year Fixed
30-year
6.75%
6.80%
View
▼
Rate6.75%
APR6.80%
Points0.000
UpdatedOct 13, 2026
Address100 Chapman Farm Blvd, Beloit, WI 53105
Details

No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; APR calculated on loan amount of $100,000

Rate History
4 changes since Sep 14, 2026 · 6.43% → 6.80% ▲ 0.38 pts · high 6.93% / low 6.43%
5.92%6.68%7.43%Sep 14, 2026: 6.43% APRSep 18, 2026: 6.55% APROct 1, 2026: 6.80% APROct 2, 2026: 6.93% APROct 13, 2026: 6.80% APRSep 14, 2026Oct 15, 2026
  • Oct 13, 20266.80%▼ from 6.93%
  • Oct 2, 20266.93%▲ from 6.80%
  • Oct 1, 20266.80%▲ from 6.55%
  • Sep 18, 20266.55%▲ from 6.43%
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1000 E 32nd St, Alba, MO 64755
30-year fixed VA
30-year
6.62%
6.87%
View
▼
Rate6.62%
APR6.87%
Points0.000
UpdatedOct 14, 2026
Address1000 E 32nd St, Alba, MO 64755
Details

VA loan

Rate History
4 changes since Sep 19, 2026 · 7.38% → 6.87% ▼ 0.51 pts · high 7.89% / low 6.87%
5.85%7.38%8.90%Sep 19, 2026: 7.38% APRSep 24, 2026: 7.63% APRSep 27, 2026: 7.89% APROct 1, 2026: 7.51% APROct 14, 2026: 6.87% APRSep 19, 2026Oct 15, 2026
  • Oct 14, 20266.87%▼ from 7.51%
  • Oct 1, 20267.51%▼ from 7.89%
  • Sep 27, 20267.89%▲ from 7.63%
  • Sep 24, 20267.63%▲ from 7.38%
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
110 Commerce Dr, Casper, WY 82009 7359
Purchases and First Mortgage Refinances - 30 year VA
30 years
6.88%
6.88%
View
▼
Rate6.88%
APR6.88%
Points0.000
UpdatedOct 12, 2026
Address110 Commerce Dr, Casper, WY 82009 7359
Details

As Low As; Purchases and First Mortgage Refinances; rates as low as, based on 760+ FICO and 0.00% down

Rate History
3 changes since Sep 12, 2026 · 6.38% → 6.88% ▲ 0.50 pts · high 6.88% / low 6.38%
5.88%6.63%7.38%Sep 12, 2026: 6.38% APRSep 17, 2026: 6.50% APRSep 25, 2026: 6.63% APROct 8, 2026: 6.88% APRSep 12, 2026Oct 15, 2026
  • Oct 8, 20266.88%▲ from 6.63%
  • Sep 25, 20266.63%▲ from 6.50%
  • Sep 17, 20266.50%▲ from 6.38%
  • Sep 12, 20266.38%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
1002 Crossings Blvd, Brentwood, TN 37027
VA 30 Year Fixed Rate
6.88%
6.99%
View
▼
Rate6.88%
APR6.99%
Points0.000
UpdatedOct 12, 2026
Address1002 Crossings Blvd, Brentwood, TN 37027
Details

Rates effective August 15, 2026

Rate History
No change since Sep 17, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 17, 2026: 6.99% APRSep 17, 2026Oct 15, 2026
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1100 8th Ave, Alburnett, IA 52202
VA Loan Mortgage
30 years
7.00%
7.00%
View
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedOct 14, 2026
Address1100 8th Ave, Alburnett, IA 52202
Details

Interest Rate column 7.000%, APR column 7.347%; Number of Monthly Payments: 360; Monthly Principal & Interest Payment: $1,019.41 (payment example based on $150,000 loan); Current rates as of October 1, 2026; No discount points

Rate History
No change since Oct 14, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 14, 2026: 7.00% APROct 14, 2026Oct 15, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
VA 30 Year Fixed Rate
360 months
6.75%
7.02%
View
▼
Rate6.75%
APR7.02%
Points2.173
UpdatedOct 14, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
Details

No additional details available.

Rate History
No change since Oct 14, 2026 · 7.02% APR
6.52%7.02%7.52%Oct 14, 2026: 7.02% APROct 14, 2026Oct 15, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1 Mount Baldy Dr, Aurora, CO 80011 7809
VA 30-Year Fixed
30-Year
6.75%
7.02%
View
▼
Rate6.75%
APR7.02%
Points0.000
UpdatedOct 14, 2026
Address1 Mount Baldy Dr, Aurora, CO 80011 7809
Details

Origination Fee: 0%

Rate History
2 changes since Sep 14, 2026 · 6.64% → 7.02% ▲ 0.38 pts · high 7.02% / low 6.64%
6.14%6.83%7.52%Sep 14, 2026: 6.64% APRSep 18, 2026: 6.77% APROct 10, 2026: 7.02% APRSep 14, 2026Oct 15, 2026
  • Oct 10, 20267.02%▲ from 6.77%
  • Sep 18, 20266.77%▲ from 6.64%
  • Sep 14, 20266.64%first recorded
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
223 Main St, Bradford, VT 05033
Veterans Administration (VA) Loan
30 years
6.62%
7.02%
View
▼
Rate6.62%
APR7.02%
Points0.000
UpdatedOct 14, 2026
Address223 Main St, Bradford, VT 05033
Details

Max LTV: 100%; Residential Mortgage - Portfolio; Rates Effective as of May 5, 2026; APR based on $100,000 loan for the specified term and includes fees of ($650 processing, $25 Flood Determination, $3,300 VA Funding)

Rate History
No change since Sep 15, 2026 · 7.02% APR · checked 10 times
6.52%7.02%7.52%Sep 15, 2026: 7.02% APRSep 15, 2026Oct 15, 2026
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
110 International Way, Albany, OR 97210
Current Mortgage - 30 Year VA
6.75%
7.05%
View
▼
Rate6.75%
APR7.05%
Points0.000
UpdatedOct 13, 2026
Address110 International Way, Albany, OR 97210
Details

No additional details available.

Rate History
1 change since Sep 29, 2026 · 6.79% → 7.05% ▲ 0.26 pts · high 7.05% / low 6.79%
6.29%6.92%7.55%Sep 29, 2026: 6.79% APROct 13, 2026: 7.05% APRSep 29, 2026Oct 15, 2026
  • Oct 13, 20267.05%▲ from 6.79%
  • Sep 29, 20266.79%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Bldg 155 Community Education Center, Al Qurayn, 00967
Mortgage - VA Loan 30 Year Loan
30 Year
6.62%
7.10%
View
▼
Rate6.62%
APR7.10%
Points0.750
UpdatedOct 14, 2026
AddressBldg 155 Community Education Center, Al Qurayn, 00967
Details

Rates as of Oct 13, 2026 ET. Rates subject to change.

Rate History
No change since Oct 14, 2026 · 7.10% APR
6.60%7.10%7.60%Oct 14, 2026: 7.10% APROct 14, 2026Oct 15, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1115 Sagamore Pkwy S, Covington, IN 46041
Mortgage - VA Loan
30 Year
7.10%
View
▼
Rate
APR7.10%
Points0.000
UpdatedOct 13, 2026
Address1115 Sagamore Pkwy S, Covington, IN 46041
Details

Mortgage rate as low as; 30-year rate shown; Rates subject to change without notice

Rate History
2 changes since Sep 17, 2026 · 6.48% → 7.10% ▲ 0.63 pts · high 7.10% / low 6.48%
5.85%6.79%7.73%Sep 17, 2026: 6.48% APRSep 25, 2026: 6.85% APROct 5, 2026: 7.10% APRSep 17, 2026Oct 15, 2026
  • Oct 5, 20267.10%▲ from 6.85%
  • Sep 25, 20266.85%▲ from 6.48%
  • Sep 17, 20266.48%first recorded
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
VA 30 Year Fixed Rate
360 months
6.88%
7.11%
View
▼
Rate6.88%
APR7.11%
Points1.809
UpdatedOct 14, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
Details

No additional details available.

Rate History
No change since Oct 14, 2026 · 7.11% APR
6.61%7.11%7.61%Oct 14, 2026: 7.11% APROct 14, 2026Oct 15, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1400 Riverwood Dr, Bloomington, MN 53110 2611
VA 30-Year Fixed
30 years
7.00%
7.11%
View
▼
Rate7.00%
APR7.11%
Points0.000
UpdatedOct 14, 2026
Address1400 Riverwood Dr, Bloomington, MN 53110 2611
Details

Mortgage Loans (Purchase); Effective October 13, 2026; APR includes approximately one discount point; TruStone membership required

Rate History
No change since Oct 14, 2026 · 7.11% APR
6.61%7.11%7.61%Oct 14, 2026: 7.11% APROct 14, 2026Oct 15, 2026
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
10222 E Harry St, Derby, KS 66502 3469
Flexible Rate Mortgages (FRM) - 30 Year VA
30 Year
7.00%
7.12%
View
▼
Rate7.00%
APR7.12%
Points0.000
UpdatedOct 9, 2026
Address10222 E Harry St, Derby, KS 66502 3469
Details

Down Payment: 0.00%

Rate History
3 changes since Sep 14, 2026 · 6.49% → 7.12% ▲ 0.63 pts · high 7.12% / low 6.49%
5.86%6.80%7.75%Sep 14, 2026: 6.49% APRSep 18, 2026: 6.74% APRSep 21, 2026: 6.87% APRSep 29, 2026: 7.12% APRSep 14, 2026Oct 15, 2026
  • Sep 29, 20267.12%▲ from 6.87%
  • Sep 21, 20266.87%▲ from 6.74%
  • Sep 18, 20266.74%▲ from 6.49%
  • Sep 14, 20266.49%first recorded
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Riverchase Pkwy S, Birmingham, AL 35023 1668
30-Year VA Fixed
30 years
6.75%
7.14%
View
▼
Rate6.75%
APR7.14%
Points0.000
UpdatedOct 14, 2026
Address1 Riverchase Pkwy S, Birmingham, AL 35023 1668
Details

As Low As; Based on 100% of purchase price; Rates based on $450,000 loan amount, purchase transaction, and 1% origination fee

Rate History
1 change since Sep 22, 2026 · 6.87% → 7.15% ▲ 0.28 pts · high 7.15% / low 6.87%
6.37%7.01%7.65%Sep 22, 2026: 6.87% APROct 10, 2026: 7.15% APRSep 22, 2026Oct 15, 2026
  • Oct 10, 20267.15%▲ from 6.87%
  • Sep 22, 20266.87%first recorded
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
110 International Way, Albany, OR 97210
30 Year VA Manufactured Home Loan
6.75%
7.15%
View
▼
Rate6.75%
APR7.15%
Points0.000
UpdatedOct 13, 2026
Address110 International Way, Albany, OR 97210
Details

No homes on rented land

Rate History
No change since Oct 13, 2026 · 7.15% APR
6.65%7.15%7.65%Oct 13, 2026: 7.15% APROct 13, 2026Oct 15, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
15100 N May Ave, Edmond, OK 73013 8803
Fixed Mortgage - VA 30 Year Loan
30 Year
6.88%
7.15%
View
▼
Rate6.88%
APR7.15%
Points0.000
UpdatedOct 14, 2026
Address15100 N May Ave, Edmond, OK 73013 8803
Details

As Low As; Effective Date: October 8, 2026; Based on $175,000 loan amount, 740 credit score, 80% LTV

Rate History
No change since Oct 14, 2026 · 7.15% APR
6.65%7.15%7.65%Oct 14, 2026: 7.15% APROct 14, 2026Oct 15, 2026
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
106 E Main St, Bellingham, WA 98225
VA 30-Year Fixed
30 years
7.00%
7.17%
View
▼
Rate7.00%
APR7.17%
Points0.375
UpdatedOct 13, 2026
Address106 E Main St, Bellingham, WA 98225
Details

Owner occupied 1-4 unit purchase or refinance; APR includes 1% lender fee; Example loan $300,000,; effective 10/9/2026

Rate History
1 change since Sep 14, 2026 · 6.88% → 7.17% ▲ 0.29 pts · high 7.17% / low 6.88%
6.38%7.02%7.67%Sep 14, 2026: 6.88% APROct 9, 2026: 7.17% APRSep 14, 2026Oct 15, 2026
  • Oct 9, 20267.17%▲ from 6.88%
  • Sep 14, 20266.88%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1020 E 800 N, Bluffdale, ID 83402
30 Year Fixed VA Mortgage
30 years
6.88%
7.17%
View
▼
Rate6.88%
APR7.17%
Points0.000
UpdatedOct 13, 2026
Address1020 E 800 N, Bluffdale, ID 83402
Details

Rate and APR based on a 30 Year Fixed mortgage, $400,000 loan amount, with a 25% down payment

Rate History
2 changes since Sep 14, 2026 · 6.64% → 7.17% ▲ 0.52 pts · high 7.17% / low 6.64%
6.12%6.90%7.69%Sep 14, 2026: 6.64% APROct 5, 2026: 7.05% APROct 13, 2026: 7.17% APRSep 14, 2026Oct 15, 2026
  • Oct 13, 20267.17%▲ from 7.05%
  • Oct 5, 20267.05%▲ from 6.64%
  • Sep 14, 20266.64%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
10588 S Redwood Rd, Bountiful, UT 84010 7278
Mortgage - 30-Year VA Loan
6.88%
7.21%
View
▼
Rate6.88%
APR7.21%
Points0.000
UpdatedOct 13, 2026
Address10588 S Redwood Rd, Bountiful, UT 84010 7278
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.21% APR · checked 3 times
6.71%7.21%7.71%Oct 2, 2026: 7.21% APROct 2, 2026Oct 15, 2026
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
Refi VA 30 Year Fixed
6.88%
7.23%
View
▼
Rate6.88%
APR7.23%
Points0.000
UpdatedOct 14, 2026
Address1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.59% → 7.23% ▲ 0.64 pts · high 7.36% / low 6.59%
5.83%6.98%8.13%Sep 14, 2026: 6.59% APRSep 18, 2026: 6.85% APRSep 27, 2026: 7.36% APROct 1, 2026: 7.23% APROct 2, 2026: 7.36% APROct 14, 2026: 7.23% APRSep 14, 2026Oct 15, 2026
  • Oct 14, 20267.23%▼ from 7.36%
  • Oct 2, 20267.36%▲ from 7.23%
  • Oct 1, 20267.23%▼ from 7.36%
  • Sep 27, 20267.36%▲ from 6.85%
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
VA 30 Year Fixed
6.88%
7.23%
View
▼
Rate6.88%
APR7.23%
Points0.000
UpdatedOct 14, 2026
Address1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.59% → 7.23% ▲ 0.64 pts · high 7.36% / low 6.59%
5.83%6.98%8.13%Sep 14, 2026: 6.59% APRSep 18, 2026: 6.85% APRSep 27, 2026: 7.36% APROct 1, 2026: 7.23% APROct 2, 2026: 7.36% APROct 14, 2026: 7.23% APRSep 14, 2026Oct 15, 2026
  • Oct 14, 20267.23%▼ from 7.36%
  • Oct 2, 20267.36%▲ from 7.23%
  • Oct 1, 20267.23%▼ from 7.36%
  • Sep 27, 20267.36%▲ from 6.85%
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1070 E Teague Ave, Clovis, CA 93230 4938
VA 30 Yr Fixed
30 years
6.99%
7.23%
View
▼
Rate6.99%
APR7.23%
Points1.000
UpdatedOct 9, 2026
Address1070 E Teague Ave, Clovis, CA 93230 4938
Details

No additional details available.

Rate History
1 change since Sep 29, 2026 · 7.24% → 7.23% ▼ 0.01 pts · high 7.24% / low 7.23%
6.73%7.24%7.74%Sep 29, 2026: 7.24% APROct 9, 2026: 7.23% APRSep 29, 2026Oct 15, 2026
  • Oct 9, 20267.23%▼ from 7.24%
  • Sep 29, 20267.24%first recorded
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
10750 France Ave S, Andover, MN 55304
VA IRRRL 30-Year Fixed
7.12%
7.24%
View
▼
Rate7.12%
APR7.24%
Points0.000
UpdatedOct 13, 2026
Address10750 France Ave S, Andover, MN 55304
Details

APR marked with ^ (see disclosure)

Rate History
No change since Oct 13, 2026 · 7.24% APR
6.74%7.24%7.74%Oct 13, 2026: 7.24% APROct 13, 2026Oct 15, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
1028 Us Route 302, Berlin, NH 03251
30 Year Fixed Rate VA
30 years
7.12%
7.25%
View
▼
Rate7.12%
APR7.25%
Points0.000
UpdatedOct 14, 2026
Address1028 Us Route 302, Berlin, NH 03251
Details

Saleable Mortgage Loans for 1-4 unit Residential Dwellings - Servicing Released

Rate History
1 change since Sep 27, 2026 · 7.63% → 7.25% ▼ 0.38 pts · high 7.63% / low 7.25%
6.75%7.44%8.13%Sep 27, 2026: 7.63% APROct 14, 2026: 7.25% APRSep 27, 2026Oct 15, 2026
  • Oct 14, 20267.25%▼ from 7.63%
  • Sep 27, 20267.63%first recorded
First Fed Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.33%
105 W 8th St, Bainbridge Island, WA 98004
30-year Fixed Rate VA Refinance
30-year
7.12%
7.25%
View
▼
Rate7.12%
APR7.25%
Points0.125
UpdatedOct 14, 2026
Address105 W 8th St, Bainbridge Island, WA 98004
Details

VA Home Loan: Rate & Term Refi; Effective 10/09/2026; primary residence, single family home, 0% equity, borrower credit score 780; example loan amount $500,000.00; example

Rate History
1 change since Sep 27, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 27, 2026: 7.00% APROct 14, 2026: 7.25% APRSep 27, 2026Oct 15, 2026
  • Oct 14, 20267.25%▲ from 7.00%
  • Sep 27, 20267.00%first recorded
LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
105 W Main St, Acworth, GA 30009 2230
30 Yr Fixed VA (Brokered)
30 years
7.12%
7.26%
View
▼
Rate7.12%
APR7.26%
Points0.000
UpdatedOct 14, 2026
Address105 W Main St, Acworth, GA 30009 2230
Details

Payment Amount: $1,516; Rates effective as of: 10/9/2026 9:33:10 AM (ET)

Rate History
3 changes since Sep 14, 2026 · 6.50% → 7.26% ▲ 0.76 pts · high 7.26% / low 6.50%
5.74%6.88%8.01%Sep 14, 2026: 6.50% APRSep 18, 2026: 6.88% APRSep 22, 2026: 7.01% APRSep 27, 2026: 7.26% APRSep 14, 2026Oct 15, 2026
  • Sep 27, 20267.26%▲ from 7.01%
  • Sep 22, 20267.01%▲ from 6.88%
  • Sep 18, 20266.88%▲ from 6.50%
  • Sep 14, 20266.50%first recorded
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1002 Park Ave N, Auburn, SC 29418
VA 30 Year Fixed
30 Year
7.26%
View
▼
Rate
APR7.26%
Points0.000
UpdatedOct 13, 2026
Address1002 Park Ave N, Auburn, SC 29418
Details

VA Purchase 0% Down; APR Effective 10/9/2026

Rate History
1 change since Sep 18, 2026 · 6.79% → 7.26% ▲ 0.48 pts · high 7.26% / low 6.79%
6.29%7.02%7.76%Sep 18, 2026: 6.79% APROct 13, 2026: 7.26% APRSep 18, 2026Oct 15, 2026
  • Oct 13, 20267.26%▲ from 6.79%
  • Sep 18, 20266.79%first recorded
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
1033 N Buckner St, Augusta, KS 67010
VA 30 Year Fixed
30 years
7.12%
7.28%
View
▼
Rate7.12%
APR7.28%
Points0.000
UpdatedOct 11, 2026
Address1033 N Buckner St, Augusta, KS 67010
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.28% APR · checked 2 times
6.78%7.28%7.78%Oct 7, 2026: 7.28% APROct 7, 2026Oct 15, 2026
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
1 Denso Rd, Bangor, MI 49001
VA 30 Year Fixed
30 years
7.12%
7.29%
View
▼
Rate7.12%
APR7.29%
Points0.000
UpdatedOct 9, 2026
Address1 Denso Rd, Bangor, MI 49001
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.00% → 7.29% ▲ 0.29 pts · high 7.29% / low 7.00%
6.50%7.15%7.79%Sep 14, 2026: 7.00% APRSep 18, 2026: 7.29% APRSep 14, 2026Oct 15, 2026
  • Sep 18, 20267.29%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1 BayPort Way Ste 105, Chesapeake, VA 23061
Fixed Rate Mortgages - VA Loan
30 years
7.12%
7.30%
View
▼
Rate7.12%
APR7.30%
Points0.125
UpdatedOct 14, 2026
Address1 BayPort Way Ste 105, Chesapeake, VA 23061
Details

Origination Fee: $0

Rate History
No change since Oct 14, 2026 · 7.30% APR
6.80%7.30%7.80%Oct 14, 2026: 7.30% APROct 14, 2026Oct 15, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
1012 Yellowstone Ave, Albuquerque, AZ 59105
Today's Mortgage - 30-year VA Loan
6.99%
7.30%
View
▼
Rate6.99%
APR7.30%
Points0.000
UpdatedOct 13, 2026
Address1012 Yellowstone Ave, Albuquerque, AZ 59105
Details

New home purchase

Rate History
1 change since Sep 29, 2026 · 7.19% → 7.31% ▲ 0.12 pts · high 7.31% / low 7.19%
6.69%7.25%7.81%Sep 29, 2026: 7.19% APROct 13, 2026: 7.31% APRSep 29, 2026Oct 15, 2026
  • Oct 13, 20267.31%▲ from 7.19%
  • Sep 29, 20267.19%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
10 Leanni Way, Boca Raton, FL 32114 1560
VA Home Loan
30 Years
7.25%
7.34%
View
▼
Rate7.25%
APR7.34%
Points0.000
UpdatedOct 13, 2026
Address10 Leanni Way, Boca Raton, FL 32114 1560
Details

Rate "As Low As"; APR "As Low As"; Example Loan Amount: $300,000; Example; Effective Date: September 30, 2026

Rate History
No change since Oct 9, 2026 · 7.34% APR · checked 2 times
6.84%7.34%7.84%Oct 9, 2026: 7.34% APROct 9, 2026Oct 15, 2026
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
175 N Clovis Ave, Clovis, CA 93612 0304
VA 30 Yr Fixed
7.25%
7.35%
View
▼
Rate7.25%
APR7.35%
Points0.000
UpdatedOct 13, 2026
Address175 N Clovis Ave, Clovis, CA 93612 0304
Details

Section: Government; P&I per $100,000: $682.18

Rate History
No change since Sep 29, 2026 · 7.35% APR · checked 2 times
6.85%7.35%7.85%Sep 29, 2026: 7.35% APRSep 29, 2026Oct 15, 2026
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1100 8th Ave, Alburnett, IA 52202
Today's Mortgage Rates in Iowa - VA Loan
30 years
7.00%
7.35%
View
▼
Rate7.00%
APR7.35%
Points0.000
UpdatedOct 14, 2026
Address1100 8th Ave, Alburnett, IA 52202
Details

Monthly Principal Interest Payment: $1,019.41

Rate History
2 changes since Sep 19, 2026 · 6.32% → 7.35% ▲ 1.03 pts · high 7.35% / low 6.32%
5.30%6.83%8.37%Sep 19, 2026: 6.32% APRSep 24, 2026: 6.84% APROct 1, 2026: 7.35% APRSep 19, 2026Oct 15, 2026
  • Oct 1, 20267.35%▲ from 6.84%
  • Sep 24, 20266.84%▲ from 6.32%
  • Sep 19, 20266.32%first recorded
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1100 8th Ave, Alburnett, IA 52202
VA Loans
30 years
7.00%
7.35%
View
▼
Rate7.00%
APR7.35%
Points0.000
UpdatedOct 14, 2026
Address1100 8th Ave, Alburnett, IA 52202
Details

Monthly principal and interest payment: $1,019.41; Mortgage payment example based on $150,000 loan with minimum credit score of 740; No discount points

Rate History
No change since Oct 14, 2026 · 7.35% APR
6.85%7.35%7.85%Oct 14, 2026: 7.35% APROct 14, 2026Oct 15, 2026
Mid Oregon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
OR
VA 30 Year Fixed - Conforming
7.12%
7.39%
View
▼
Rate7.12%
APR7.39%
Points0.000
UpdatedOct 13, 2026
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 6.93% → 7.40% ▲ 0.47 pts · high 7.40% / low 6.93%
6.43%7.16%7.90%Sep 18, 2026: 6.93% APROct 13, 2026: 7.40% APRSep 18, 2026Oct 15, 2026
  • Oct 13, 20267.40%▲ from 6.93%
  • Sep 18, 20266.93%first recorded
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1070 E Teague Ave, Clovis, CA 93230 4938
VA 30 Yr Fixed
30 years
7.25%
7.39%
View
▼
Rate7.25%
APR7.39%
Points0.000
UpdatedOct 9, 2026
Address1070 E Teague Ave, Clovis, CA 93230 4938
Details

No additional details available.

Rate History
2 changes since Sep 29, 2026 · 7.40% → 7.40% ▼ 0.00 pts · high 7.40% / low 7.27%
6.77%7.33%7.90%Sep 29, 2026: 7.40% APROct 2, 2026: 7.27% APROct 9, 2026: 7.40% APRSep 29, 2026Oct 15, 2026
  • Oct 9, 20267.40%▲ from 7.27%
  • Oct 2, 20267.27%▼ from 7.40%
  • Sep 29, 20267.40%first recorded
First Fed Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.33%
105 W 8th St, Bainbridge Island, WA 98004
VA Home Loan: Purchase - 30-year VA Purchase
30-year
7.12%
7.40%
View
▼
Rate7.12%
APR7.40%
Points0.000
UpdatedOct 14, 2026
Address105 W 8th St, Bainbridge Island, WA 98004
Details

Ex: Loan Amount $510,750.00; Ex:; primary residence, single family home, 0% down payment, borrower credit score 780; effective 10/09/2026

Rate History
No change since Oct 14, 2026 · 7.40% APR
6.90%7.40%7.90%Oct 14, 2026: 7.40% APROct 14, 2026Oct 15, 2026
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
10750 France Ave S, Andover, MN 55304
VA 30-Year Fixed
7.12%
7.40%
View
▼
Rate7.12%
APR7.40%
Points0.000
UpdatedOct 13, 2026
Address10750 France Ave S, Andover, MN 55304
Details

APR marked with ^ (see disclosure)

Rate History
No change since Oct 13, 2026 · 7.40% APR
6.90%7.40%7.90%Oct 13, 2026: 7.40% APROct 13, 2026Oct 15, 2026
First Fed Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.33%
105 W 8th St, Bainbridge Island, WA 98004
30-year Fixed Rate Cash-out VA Refinance
30-year
7.12%
7.41%
View
▼
Rate7.12%
APR7.41%
Points0.125
UpdatedOct 14, 2026
Address105 W 8th St, Bainbridge Island, WA 98004
Details

VA Home Loan: Cash-out Refi; primary residence in single family home with 10% equity and borrower credit score of 780; Effective 10/09/2026

Rate History
1 change since Sep 27, 2026 · 7.16% → 7.41% ▲ 0.25 pts · high 7.41% / low 7.16%
6.66%7.29%7.91%Sep 27, 2026: 7.16% APROct 14, 2026: 7.41% APRSep 27, 2026Oct 15, 2026
  • Oct 14, 20267.41%▲ from 7.16%
  • Sep 27, 20267.16%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX 78102
VA Purchase Refinance
30 Year
7.38%
7.42%
View
▼
Rate7.38%
APR7.42%
Points0.000
UpdatedOct 14, 2026
Address1101 FM 3036, Alamo, TX 78102
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 6.80% → 7.42% ▲ 0.62 pts · high 7.42% / low 6.80%
6.18%7.11%8.03%Sep 14, 2026: 6.80% APROct 2, 2026: 7.42% APRSep 14, 2026Oct 15, 2026
  • Oct 2, 20267.42%▲ from 6.80%
  • Sep 14, 20266.80%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 IKEA RBFCU Parkway, Allen, TX 75002
VA Fixed Rate - 30 years
30 years
7.00%
7.42%
View
▼
Rate7.00%
APR7.42%
Points0.000
UpdatedOct 12, 2026
Address1 IKEA RBFCU Parkway, Allen, TX 75002
Details

As Low As; VA loan program; No down payment for eligible members; up to 100% financing

Rate History
No change since Oct 12, 2026 · 7.42% APR
6.92%7.42%7.92%Oct 12, 2026: 7.42% APROct 12, 2026Oct 15, 2026
Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1100 Boulders Pkwy Ste 601, Glen Allen, VA 23060 3308
Current first mortgage - VA 30 Year Loan
30 years
7.25%
7.43%
View
▼
Rate7.25%
APR7.43%
Points0.500
UpdatedOct 13, 2026
Address1100 Boulders Pkwy Ste 601, Glen Allen, VA 23060 3308
Details

Effective Date: October 13, 2026

Rate History
5 changes since Sep 18, 2026 · 6.90% → 7.43% ▲ 0.53 pts · high 7.52% / low 6.90%
6.28%7.21%8.15%Sep 18, 2026: 6.90% APRSep 22, 2026: 6.91% APRSep 26, 2026: 7.42% APROct 5, 2026: 7.52% APROct 9, 2026: 7.45% APROct 13, 2026: 7.43% APRSep 18, 2026Oct 15, 2026
  • Oct 13, 20267.43%▼ from 7.45%
  • Oct 9, 20267.45%▼ from 7.52%
  • Oct 5, 20267.52%▲ from 7.42%
  • Sep 26, 20267.42%▲ from 6.91%
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
1221 Hewitt Dr, Belton, TX 76501 7603
VA 30-year Fixed Purchase
30-year
7.25%
7.43%
View
▼
Rate7.25%
APR7.43%
Points0.000
UpdatedOct 14, 2026
Address1221 Hewitt Dr, Belton, TX 76501 7603
Details

Rates effective 10/13/2026; Lender Fee 0.00%

Rate History
3 changes since Sep 14, 2026 · 6.93% → 7.43% ▲ 0.50 pts · high 7.56% / low 6.93%
6.30%7.24%8.19%Sep 14, 2026: 6.93% APRSep 27, 2026: 7.17% APROct 1, 2026: 7.56% APROct 14, 2026: 7.43% APRSep 14, 2026Oct 15, 2026
  • Oct 14, 20267.43%▼ from 7.56%
  • Oct 1, 20267.56%▲ from 7.17%
  • Sep 27, 20267.17%▲ from 6.93%
  • Sep 14, 20266.93%first recorded
Har-co Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
1028 Middleton Rd, Aberdeen, MD 21001 2281
VA 30 Year Fixed Home Loan
30 years
7.10%
7.45%
View
▼
Rate7.10%
APR7.45%
Points0.000
UpdatedOct 14, 2026
Address1028 Middleton Rd, Aberdeen, MD 21001 2281
Details

Mortgage; Purchases and refinances in MD, DE, PA; Primary residence

Rate History
No change since Oct 14, 2026 · 7.45% APR
6.95%7.45%7.95%Oct 14, 2026: 7.45% APROct 14, 2026Oct 15, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
1 Brewers Way, Alton, IL 53005
VA Mortgages - 30 Year VA
30 years
7.12%
7.45%
View
▼
Rate7.12%
APR7.45%
Points0.000
UpdatedOct 14, 2026
Address1 Brewers Way, Alton, IL 53005
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.45% APR · checked 3 times
6.95%7.45%7.95%Oct 7, 2026: 7.45% APROct 7, 2026Oct 15, 2026
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1 SW Goodyear Blvd, Ada, KS 66604 3806
VA 30 Year Fixed
7.12%
7.45%
View
▼
Rate7.12%
APR7.45%
Points0.000
UpdatedOct 12, 2026
Address1 SW Goodyear Blvd, Ada, KS 66604 3806
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 7.20% → 7.45% ▲ 0.25 pts · high 7.45% / low 7.20%
6.70%7.32%7.95%Sep 16, 2026: 7.20% APROct 12, 2026: 7.45% APRSep 16, 2026Oct 15, 2026
  • Oct 12, 20267.45%▲ from 7.20%
  • Sep 16, 20267.20%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
100 W Church St, Bossier City, AR 71019
VA 30 Year Fixed
30 years
7.12%
7.46%
View
▼
Rate7.12%
APR7.46%
Points0.000
UpdatedOct 12, 2026
Address100 W Church St, Bossier City, AR 71019
Details

Rates effective as of 10/9/2026; based on a 45 day lock

Rate History
3 changes since Sep 18, 2026 · 7.08% → 7.46% ▲ 0.38 pts · high 7.46% / low 7.08%
6.58%7.27%7.96%Sep 18, 2026: 7.08% APRSep 25, 2026: 7.21% APROct 4, 2026: 7.34% APROct 8, 2026: 7.46% APRSep 18, 2026Oct 15, 2026
  • Oct 8, 20267.46%▲ from 7.34%
  • Oct 4, 20267.34%▲ from 7.21%
  • Sep 25, 20267.21%▲ from 7.08%
  • Sep 18, 20267.08%first recorded
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1207 Bessemer City Rd, Charlotte, NC 28052
VA 30 Year Fixed
7.12%
7.46%
View
▼
Rate7.12%
APR7.46%
Points0.000
UpdatedOct 13, 2026
Address1207 Bessemer City Rd, Charlotte, NC 28052
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.95% → 7.46% ▲ 0.51 pts · high 7.46% / low 6.95%
6.44%7.21%7.97%Sep 14, 2026: 6.95% APRSep 18, 2026: 7.08% APRSep 25, 2026: 7.21% APRSep 29, 2026: 7.34% APROct 2, 2026: 7.46% APRSep 14, 2026Oct 15, 2026
  • Oct 2, 20267.46%▲ from 7.34%
  • Sep 29, 20267.34%▲ from 7.21%
  • Sep 25, 20267.21%▲ from 7.08%
  • Sep 18, 20267.08%▲ from 6.95%
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
2440 Market St NE Ste 901, Alexandria, DC 20018
VA 30 Year Fixed
30 years
7.13%
7.46%
View
▼
Rate7.13%
APR7.46%
Points0.000
UpdatedOct 12, 2026
Address2440 Market St NE Ste 901, Alexandria, DC 20018
Details

No additional details available.

Rate History
No change since Oct 8, 2026 · 7.46% APR · checked 2 times
6.96%7.46%7.96%Oct 8, 2026: 7.46% APROct 8, 2026Oct 15, 2026
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1 Garden Ctr, American Fork, CO 78006 2958
Mortgage - 30-Year VA Loan
30 years
7.12%
7.47%
View
▼
Rate7.12%
APR7.47%
Points0.000
UpdatedOct 13, 2026
Address1 Garden Ctr, American Fork, CO 78006 2958
Details

Payment example: $1246.38; Based on $185,000 loan amount with 80% CLTV and FICO>=740; Payment example includes funding fee; Available for purchases only

Rate History
No change since Sep 21, 2026 · 7.47% APR · checked 7 times
6.97%7.47%7.97%Sep 21, 2026: 7.47% APRSep 21, 2026Oct 15, 2026
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
1 Bank Ln, Addison, FL 33012
Federal VA 30 Year Fixed Rate
30 years
7.12%
7.47%
View
▼
Rate7.12%
APR7.47%
Points0.000
UpdatedOct 14, 2026
Address1 Bank Ln, Addison, FL 33012
Details

Rates Effective: 10.14.26

Rate History
3 changes since Sep 15, 2026 · 7.09% → 7.47% ▲ 0.38 pts · high 7.47% / low 7.09%
6.59%7.28%7.97%Sep 15, 2026: 7.09% APRSep 18, 2026: 7.22% APRSep 24, 2026: 7.34% APRSep 27, 2026: 7.47% APRSep 15, 2026Oct 15, 2026
  • Sep 27, 20267.47%▲ from 7.34%
  • Sep 24, 20267.34%▲ from 7.22%
  • Sep 18, 20267.22%▲ from 7.09%
  • Sep 15, 20267.09%first recorded
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1037 Washington Ave, Battle Creek, MI 48823
Current Mortgage Purchase - 30-Yr VA Loan
7.38%
7.48%
View
▼
Rate7.38%
APR7.48%
Points0.000
UpdatedOct 13, 2026
Address1037 Washington Ave, Battle Creek, MI 48823
Details

Mortgage purchase rate; Purchase loan, single family residence, 75% LTV, 780 minimum credit score (footnote 1)

Rate History
2 changes since Sep 14, 2026 · 6.85% → 7.48% ▲ 0.63 pts · high 7.48% / low 6.85%
6.22%7.17%8.11%Sep 14, 2026: 6.85% APRSep 26, 2026: 7.23% APRSep 29, 2026: 7.48% APRSep 14, 2026Oct 15, 2026
  • Sep 29, 20267.48%▲ from 7.23%
  • Sep 26, 20267.23%▲ from 6.85%
  • Sep 14, 20266.85%first recorded
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1037 Washington Ave, Battle Creek, MI 48823
Mortgage Refinance - 30-Yr VA Loan
30-Yr
7.38%
7.48%
View
▼
Rate7.38%
APR7.48%
Points0.000
UpdatedOct 13, 2026
Address1037 Washington Ave, Battle Creek, MI 48823
Details

Refinance; footnote 4: $255,000 loan, 75% LTV, minimum credit score 780, 45 day rate lock; rates effective October 13, 2026

Rate History
2 changes since Sep 14, 2026 · 6.85% → 7.48% ▲ 0.63 pts · high 7.48% / low 6.85%
6.22%7.17%8.11%Sep 14, 2026: 6.85% APRSep 26, 2026: 7.23% APRSep 29, 2026: 7.48% APRSep 14, 2026Oct 15, 2026
  • Sep 29, 20267.48%▲ from 7.23%
  • Sep 26, 20267.23%▲ from 6.85%
  • Sep 14, 20266.85%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
1001 E Broadway St, Angleton, TX 75041 4834
VA 30-Year Fixed
30-year
7.00%
7.50%
View
▼
Rate7.00%
APR7.50%
Points0.000
UpdatedOct 9, 2026
Address1001 E Broadway St, Angleton, TX 75041 4834
Details

Guaranteed by the Veterans Administration (VA). For those looking to purchase a new home.

Rate History
5 changes since Sep 14, 2026 · 6.85% → 7.50% ▲ 0.65 pts · high 7.51% / low 6.85%
6.19%7.18%8.17%Sep 14, 2026: 6.85% APRSep 21, 2026: 6.97% APRSep 26, 2026: 7.34% APRSep 29, 2026: 7.20% APROct 2, 2026: 7.51% APROct 9, 2026: 7.50% APRSep 14, 2026Oct 15, 2026
  • Oct 9, 20267.50%▼ from 7.51%
  • Oct 2, 20267.51%▲ from 7.20%
  • Sep 29, 20267.20%▼ from 7.34%
  • Sep 26, 20267.34%▲ from 6.97%
Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1008 N Bridge St, Aurora, IL 60505 1511
30 Year Fixed VA Mortgage
30 years
6.99%
7.51%
View
▼
Rate6.99%
APR7.51%
Points0.000
UpdatedOct 14, 2026
Address1008 N Bridge St, Aurora, IL 60505 1511
Details

Mortgage Purchase Rates; VA Assumptions: Purchase price $200,000, Loan Amount $204,300, no down-payment, 680 credit score, Illinois primary residence only, single family home, fees may include 2.15% VA funding fee as required by VA, first-time use, regular military, 45-day rate lock; Rates current as of 10/13/2026 at 10:40 AM

Rate History
2 changes since Sep 27, 2026 · 7.42% → 7.52% ▲ 0.09 pts · high 8.03% / low 7.42%
6.81%7.72%8.64%Sep 27, 2026: 7.42% APROct 2, 2026: 8.03% APROct 14, 2026: 7.52% APRSep 27, 2026Oct 15, 2026
  • Oct 14, 20267.52%▼ from 8.03%
  • Oct 2, 20268.03%▲ from 7.42%
  • Sep 27, 20267.42%first recorded
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Bank Of Nova Scotia Trust Company, Georgetown, 00000
Veterans Affairs (VA) loans
30-year
7.12%
7.53%
View
▼
Rate7.12%
APR7.53%
Points0.975
UpdatedOct 14, 2026
AddressBank Of Nova Scotia Trust Company, Georgetown, 00000
Details

Loan amount $383,625; no down payment

Rate History
No change since Oct 14, 2026 · 7.53% APR
7.03%7.53%8.03%Oct 14, 2026: 7.53% APROct 14, 2026Oct 15, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
11899 New Halls Ferry Rd, Ellisville, MO 63011
30 Year VA Mortgage
30 years
7.38%
7.53%
View
▼
Rate7.38%
APR7.53%
Points0.000
UpdatedOct 13, 2026
Address11899 New Halls Ferry Rd, Ellisville, MO 63011
Details

VA mortgage loan; Interest Rate 7.375%, APR 7.533%, 0 points

Rate History
No change since Oct 13, 2026 · 7.53% APR
7.03%7.53%8.03%Oct 13, 2026: 7.53% APROct 13, 2026Oct 15, 2026
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
10761 Pippin Rd, Blue Ash, OH 45042
Purchase / Refinance - 30-Year VA Loan
30 years
7.25%
7.54%
View
▼
Rate7.25%
APR7.54%
Points1.500
UpdatedOct 14, 2026
Address10761 Pippin Rd, Blue Ash, OH 45042
Details

Effective Date: 10/01/2026; Rate/APR from Purchase / Refinance Rates

Rate History
No change since Oct 2, 2026 · 7.54% APR · checked 4 times
7.04%7.54%8.04%Oct 2, 2026: 7.54% APROct 2, 2026Oct 15, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 Main St, Adrian, IA 28803
Purchase VA 30 Year Loan
7.25%
7.54%
View
▼
Rate7.25%
APR7.54%
Points0.000
UpdatedOct 14, 2026
Address1 Main St, Adrian, IA 28803
Details

Purchase rate; Advertised rates effective as of 10/13/2026

Rate History
No change since Oct 14, 2026 · 7.54% APR
7.04%7.54%8.04%Oct 14, 2026: 7.54% APROct 14, 2026Oct 15, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 Main St, Adrian, IA 28803
Refinance - VA 30 Year
30 years
7.25%
7.54%
View
▼
Rate7.25%
APR7.54%
Points0.000
UpdatedOct 14, 2026
Address1 Main St, Adrian, IA 28803
Details

Advertised rates effective as of 10/13/2026

Rate History
4 changes since Sep 18, 2026 · 7.04% → 7.54% ▲ 0.50 pts · high 7.92% / low 7.04%
6.16%7.48%8.80%Sep 18, 2026: 7.04% APRSep 24, 2026: 7.16% APRSep 27, 2026: 7.42% APROct 7, 2026: 7.92% APROct 14, 2026: 7.54% APRSep 18, 2026Oct 15, 2026
  • Oct 14, 20267.54%▼ from 7.92%
  • Oct 7, 20267.92%▲ from 7.42%
  • Sep 27, 20267.42%▲ from 7.16%
  • Sep 24, 20267.16%▲ from 7.04%
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 Main St, Adrian, IA 28803
VA 30 Yr Purchase Loan
30 years
7.25%
7.54%
View
▼
Rate7.25%
APR7.54%
Points0.000
UpdatedOct 14, 2026
Address1 Main St, Adrian, IA 28803
Details

Principal & Interest Payment: $1,186.37; Rate example assumes credit score 680 or higher, LTV 100%, 45-day lock; rate subject to change daily

Rate History
5 changes since Sep 15, 2026 · 7.04% → 7.54% ▲ 0.50 pts · high 7.92% / low 7.04%
6.16%7.48%8.80%Sep 15, 2026: 7.04% APRSep 24, 2026: 7.16% APRSep 27, 2026: 7.42% APROct 1, 2026: 7.54% APROct 7, 2026: 7.92% APROct 14, 2026: 7.54% APRSep 15, 2026Oct 15, 2026
  • Oct 14, 20267.54%▼ from 7.92%
  • Oct 7, 20267.92%▲ from 7.54%
  • Oct 1, 20267.54%▲ from 7.42%
  • Sep 27, 20267.42%▲ from 7.16%
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1000 Plaza Dr, Anderson, CA 95603 2502
VA Fixed Rate Mortgage (30-Year)
30-Year
7.38%
7.56%
View
▼
Rate7.38%
APR7.56%
Points0.000
UpdatedOct 14, 2026
Address1000 Plaza Dr, Anderson, CA 95603 2502
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.92% → 7.56% ▲ 0.64 pts · high 7.56% / low 6.92%
6.28%7.24%8.20%Sep 14, 2026: 6.92% APROct 14, 2026: 7.56% APRSep 14, 2026Oct 15, 2026
  • Oct 14, 20267.56%▲ from 6.92%
  • Sep 14, 20266.92%first recorded
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1 Seahawk Dr, Aberdeen, MD 21001 1733
VA 30 Year Fixed
30 Year
7.12%
7.58%
View
▼
Rate7.12%
APR7.58%
Points0.250
UpdatedOct 12, 2026
Address1 Seahawk Dr, Aberdeen, MD 21001 1733
Details

No additional details available.

Rate History
No change since Oct 12, 2026 · 7.58% APR
7.08%7.58%8.08%Oct 12, 2026: 7.58% APROct 12, 2026Oct 15, 2026
Fidelity Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 12.33%
100 E English St, Derby, KS 66223
VA 30 Year Fixed
6.88%
7.60%
View
▼
Rate6.88%
APR7.60%
Points0.750
UpdatedOct 14, 2026
Address100 E English St, Derby, KS 66223
Details

Payment: $1610; Loan Amount: $240,000; LTV: 100%; Rates for purchase transactions, FICO 780, loan amount $240,000; rates as of 10/13/2026

Rate History
3 changes since Sep 18, 2026 · 7.47% → 7.60% ▲ 0.12 pts · high 7.60% / low 7.22%
6.72%7.41%8.10%Sep 18, 2026: 7.47% APRSep 24, 2026: 7.22% APROct 1, 2026: 7.49% APROct 14, 2026: 7.60% APRSep 18, 2026Oct 15, 2026
  • Oct 14, 20267.60%▲ from 7.49%
  • Oct 1, 20267.49%▲ from 7.22%
  • Sep 24, 20267.22%▼ from 7.47%
  • Sep 18, 20267.47%first recorded
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
1280 E League City Pkwy, Alvin, TX 77017
30-year VA Fixed
30 years
6.99%
7.61%
View
▼
Rate6.99%
APR7.61%
Points0.202
UpdatedOct 13, 2026
Address1280 E League City Pkwy, Alvin, TX 77017
Details

Based on $280,000 loan, owner-occupied, single-family 1-unit, 80% LTV, FICO 740+

Rate History
No change since Oct 13, 2026 · 7.61% APR
7.11%7.61%8.11%Oct 13, 2026: 7.61% APROct 13, 2026Oct 15, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Advance, NC 27006
VA 30 Year (VA) Loan
30 years
7.50%
7.62%
View
▼
Rate7.50%
APR7.62%
Points0.125
UpdatedOct 13, 2026
Address100 Queens Rd, Advance, NC 27006
Details

VA Mortgage Program

Rate History
No change since Oct 13, 2026 · 7.62% APR
7.12%7.62%8.12%Oct 13, 2026: 7.62% APROct 13, 2026Oct 15, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
1280 E League City Pkwy, Alvin, TX 77017
30-year VA Fixed
30 years
7.00%
7.62%
View
▼
Rate7.00%
APR7.62%
Points0.153
UpdatedOct 13, 2026
Address1280 E League City Pkwy, Alvin, TX 77017
Details

Based on $280,000 loan, owner-occupied, single-family 1-unit, 80% LTV, FICO 740+

Rate History
No change since Oct 13, 2026 · 7.62% APR
7.12%7.62%8.12%Oct 13, 2026: 7.62% APROct 13, 2026Oct 15, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
322 Buck Dr, Reno, NV 89436 7731
VA 30 Year Fixed
30 years
7.12%
7.65%
View
▼
Rate7.12%
APR7.65%
Points1.000
UpdatedOct 12, 2026
Address322 Buck Dr, Reno, NV 89436 7731
Details

$350,000 Loan Amount - 740 Credit Score; 100% LTV

Rate History
No change since Oct 8, 2026 · 7.65% APR · checked 2 times
7.15%7.65%8.15%Oct 8, 2026: 7.65% APROct 8, 2026Oct 15, 2026
Northwest Bank (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1 N 6th St, Afton, IA 50010
VA 30 Year Fixed
30 years
7.50%
7.66%
View
▼
Rate7.50%
APR7.66%
Points1.000
UpdatedOct 14, 2026
Address1 N 6th St, Afton, IA 50010
Details

Additional Financing

Rate History
2 changes since Sep 18, 2026 · 7.03% → 7.66% ▲ 0.63 pts · high 7.66% / low 7.03%
6.39%7.34%8.29%Sep 18, 2026: 7.03% APROct 7, 2026: 7.21% APROct 14, 2026: 7.66% APRSep 18, 2026Oct 15, 2026
  • Oct 14, 20267.66%▲ from 7.21%
  • Oct 7, 20267.21%▲ from 7.03%
  • Sep 18, 20267.03%first recorded
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
1280 E League City Pkwy, Alvin, TX 77017
30-year VA Fixed
30 years
7.12%
7.71%
View
▼
Rate7.12%
APR7.71%
Points-0.179
UpdatedOct 13, 2026
Address1280 E League City Pkwy, Alvin, TX 77017
Details

Based on $280,000 loan, owner-occupied, single-family 1-unit, 80% LTV, FICO 740+

Rate History
No change since Oct 13, 2026 · 7.72% APR
7.22%7.72%8.22%Oct 13, 2026: 7.72% APROct 13, 2026Oct 15, 2026
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
1400 W Raymond St, Indianapolis, IN 46202
VA Loan Purchase - 30-Year Fixed
360 months
7.50%
7.74%
View
▼
Rate7.50%
APR7.74%
Points-0.375
UpdatedOct 13, 2026
Address1400 W Raymond St, Indianapolis, IN 46202
Details

Available to credit scores 780+ and 100% LTV; Indiana properties

Rate History
No change since Sep 25, 2026 · 7.74% APR · checked 4 times
7.24%7.74%8.24%Sep 25, 2026: 7.74% APRSep 25, 2026Oct 15, 2026
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
1400 W Raymond St, Indianapolis, IN 46202
VA Loan Refinance - 30-Year Fixed
360 months
7.50%
7.74%
View
▼
Rate7.50%
APR7.74%
Points-0.375
UpdatedOct 13, 2026
Address1400 W Raymond St, Indianapolis, IN 46202
Details

Refinance rates effective as of October 11, 2026; available to borrowers with credit scores 780 or greater and 90% LTV; based on loans secured by property in Indiana

Rate History
2 changes since Sep 14, 2026 · 6.98% → 7.74% ▲ 0.76 pts · high 7.74% / low 6.98%
6.22%7.36%8.50%Sep 14, 2026: 6.98% APRSep 18, 2026: 7.11% APRSep 29, 2026: 7.74% APRSep 14, 2026Oct 15, 2026
  • Sep 29, 20267.74%▲ from 7.11%
  • Sep 18, 20267.11%▲ from 6.98%
  • Sep 14, 20266.98%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
1 N Euclid Ave, Affton, AR 50010
VA 30 Year Fixed +1pt
7.25%
7.75%
View
▼
Rate7.25%
APR7.75%
Points1.000
UpdatedOct 14, 2026
Address1 N Euclid Ave, Affton, AR 50010
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.10% → 7.75% ▲ 0.65 pts · high 7.75% / low 7.10%
6.46%7.43%8.40%Sep 15, 2026: 7.10% APRSep 24, 2026: 7.36% APRSep 27, 2026: 7.62% APROct 7, 2026: 7.75% APRSep 15, 2026Oct 15, 2026
  • Oct 7, 20267.75%▲ from 7.62%
  • Sep 27, 20267.62%▲ from 7.36%
  • Sep 24, 20267.36%▲ from 7.10%
  • Sep 15, 20267.10%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
2705 NW EXPRESSWAY, Dallas, OK 73112 7047
Home - VA Loan
30 Year Fixed
7.38%
7.75%
View
▼
Rate7.38%
APR7.75%
Points0.000
UpdatedOct 12, 2026
Address2705 NW EXPRESSWAY, Dallas, OK 73112 7047
Details

No additional details available.

Rate History
1 change since Sep 25, 2026 · 7.50% → 7.76% ▲ 0.26 pts · high 7.76% / low 7.50%
7.00%7.63%8.25%Sep 25, 2026: 7.50% APROct 12, 2026: 7.76% APRSep 25, 2026Oct 15, 2026
  • Oct 12, 20267.76%▲ from 7.50%
  • Sep 25, 20267.50%first recorded
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
1560 Garrett Rd, Aston, DE 19014 1862
30-Year Fixed VA
7.50%
7.76%
View
▼
Rate7.50%
APR7.76%
Points0.000
UpdatedOct 12, 2026
Address1560 Garrett Rd, Aston, DE 19014 1862
Details

FHA/VA Loans

Rate History
4 changes since Sep 17, 2026 · 7.13% → 7.76% ▲ 0.63 pts · high 7.76% / low 7.13%
6.49%7.44%8.39%Sep 17, 2026: 7.13% APRSep 25, 2026: 7.25% APROct 2, 2026: 7.76% APROct 4, 2026: 7.63% APROct 12, 2026: 7.76% APRSep 17, 2026Oct 15, 2026
  • Oct 12, 20267.76%▲ from 7.63%
  • Oct 4, 20267.63%▼ from 7.76%
  • Oct 2, 20267.76%▲ from 7.25%
  • Sep 25, 20267.25%▲ from 7.13%
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
10169 S Parker Rd, Arvada, CO 80003
30-Year Fixed VA - Purchase
7.62%
7.82%
View
▼
Rate7.62%
APR7.82%
Points0.000
UpdatedOct 13, 2026
Address10169 S Parker Rd, Arvada, CO 80003
Details

Discount: 0.125%; Rates as of September 16, 2024

Rate History
No change since Oct 13, 2026 · 7.82% APR
7.32%7.82%8.32%Oct 13, 2026: 7.82% APROct 13, 2026Oct 15, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1210 Greenview Dr, Daleville, VA 24012 2226
VA 30 Year Fixed
30 years
7.50%
7.85%
View
▼
Rate7.50%
APR7.85%
Points0.000
UpdatedOct 14, 2026
Address1210 Greenview Dr, Daleville, VA 24012 2226
Details

Today's par rate (no discount points); Get Quote

Rate History
2 changes since Sep 14, 2026 · 6.95% → 7.85% ▲ 0.89 pts · high 7.85% / low 6.95%
6.06%7.40%8.74%Sep 14, 2026: 6.95% APRSep 22, 2026: 7.34% APROct 14, 2026: 7.85% APRSep 14, 2026Oct 15, 2026
  • Oct 14, 20267.85%▲ from 7.34%
  • Sep 22, 20267.34%▲ from 6.95%
  • Sep 14, 20266.95%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 E Walnut St, Abington, NJ 08002 4402
Mortgage - 30 Year VA
30 Year
7.00%
7.89%
View
▼
Rate7.00%
APR7.89%
Points0.000
UpdatedOct 12, 2026
Address100 E Walnut St, Abington, NJ 08002 4402
Details

No additional details available.

Rate History
2 changes since Sep 25, 2026 · 7.73% → 7.89% ▲ 0.16 pts · high 7.89% / low 7.73%
7.23%7.81%8.39%Sep 25, 2026: 7.73% APROct 2, 2026: 7.86% APROct 12, 2026: 7.89% APRSep 25, 2026Oct 15, 2026
  • Oct 12, 20267.89%▲ from 7.86%
  • Oct 2, 20267.86%▲ from 7.73%
  • Sep 25, 20267.73%first recorded
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
113 Holland Ave, Albany, NY 10547
VA 30 Year Fixed
7.25%
7.91%
View
▼
Rate7.25%
APR7.91%
Points0.375
UpdatedOct 14, 2026
Address113 Holland Ave, Albany, NY 10547
Details

Payment Per $1,000: $6.82

Rate History
No change since Oct 14, 2026 · 7.91% APR
7.41%7.91%8.41%Oct 14, 2026: 7.91% APROct 14, 2026Oct 15, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
1 N Euclid Ave, Affton, AR 50010
VA 30 Year Fixed
7.62%
7.92%
View
▼
Rate7.62%
APR7.92%
Points0.000
UpdatedOct 14, 2026
Address1 N Euclid Ave, Affton, AR 50010
Details

No additional details available.

Rate History
4 changes since Sep 15, 2026 · 7.16% → 7.93% ▲ 0.77 pts · high 8.05% / low 7.16%
6.26%7.60%8.95%Sep 15, 2026: 7.16% APRSep 24, 2026: 7.54% APRSep 27, 2026: 7.93% APROct 7, 2026: 8.05% APROct 14, 2026: 7.93% APRSep 15, 2026Oct 15, 2026
  • Oct 14, 20267.93%▼ from 8.05%
  • Oct 7, 20268.05%▲ from 7.93%
  • Sep 27, 20267.93%▲ from 7.54%
  • Sep 24, 20267.54%▲ from 7.16%
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
1000 Corporate Dr, Bay Shore, NY 11010
VA 30 Year Fixed
30 years
7.50%
7.99%
View
▼
Rate7.50%
APR7.99%
Points0.000
UpdatedOct 14, 2026
Address1000 Corporate Dr, Bay Shore, NY 11010
Details

Jovia Financial is not the lender for FHA or VA products

Rate History
2 changes since Sep 15, 2026 · 7.19% → 7.99% ▲ 0.80 pts · high 7.99% / low 7.19%
6.39%7.59%8.79%Sep 15, 2026: 7.19% APROct 7, 2026: 7.96% APROct 14, 2026: 7.99% APRSep 15, 2026Oct 15, 2026
  • Oct 14, 20267.99%▲ from 7.96%
  • Oct 7, 20267.96%▲ from 7.19%
  • Sep 15, 20267.19%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
1800 Barrs St, Hammond, FL 32202
VA 30 year IRRRL Loan
7.25%
8.03%
View
▼
Rate7.25%
APR8.03%
Points0.500
UpdatedOct 13, 2026
Address1800 Barrs St, Hammond, FL 32202
Details

As Low As; Government Fixed Rate

Rate History
No change since Oct 13, 2026 · 8.03% APR
7.53%8.03%8.53%Oct 13, 2026: 8.03% APROct 13, 2026Oct 15, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
1800 Barrs St, Hammond, FL 32202
VA 30 year IRRRL Loan
7.38%
8.14%
View
▼
Rate7.38%
APR8.14%
Points0.000
UpdatedOct 13, 2026
Address1800 Barrs St, Hammond, FL 32202
Details

As Low As; Government Fixed Rate

Rate History
No change since Oct 13, 2026 · 8.14% APR
7.64%8.14%8.64%Oct 13, 2026: 8.14% APROct 13, 2026Oct 15, 2026
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
30-Year VA Fixed-Rate, Conventional
30 years
8.12%
8.20%
View
▼
Rate8.12%
APR8.20%
Points0.000
UpdatedOct 13, 2026
Address1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
Details

As Low As; Purchase

Rate History
1 change since Sep 14, 2026 · 7.69% → 8.20% ▲ 0.50 pts · high 8.20% / low 7.69%
7.19%7.94%8.70%Sep 14, 2026: 7.69% APROct 13, 2026: 8.20% APRSep 14, 2026Oct 15, 2026
  • Oct 13, 20268.20%▲ from 7.69%
  • Sep 14, 20267.69%first recorded
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1 Campus Center Way, Amherst, MA 01003
VA 30 Year Fixed
8.00%
8.43%
View
▼
Rate8.00%
APR8.43%
Points0.000
UpdatedOct 13, 2026
Address1 Campus Center Way, Amherst, MA 01003
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.72% → 8.43% ▲ 0.71 pts · high 8.43% / low 7.72%
7.01%8.07%9.14%Sep 14, 2026: 7.72% APRSep 29, 2026: 8.43% APRSep 14, 2026Oct 15, 2026
  • Sep 29, 20268.43%▲ from 7.72%
  • Sep 14, 20267.72%first recorded
Neighbors Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
109 East St, Clarence, MO 63437
30-yr Fixed VA
30 years
7.62%
8.52%
View
▼
Rate7.62%
APR8.52%
Points1.188
UpdatedOct 11, 2026
Address109 East St, Clarence, MO 63437
Details

Points (cost): $2,970

Rate History
No change since Oct 11, 2026 · 8.52% APR
8.02%8.52%9.02%Oct 11, 2026: 8.52% APROct 11, 2026Oct 15, 2026
The VA mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment. Rates are subject to change without notice.

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VA Mortgage Rate Mortgage Rate Trend

Daily average rates across all mortgage types

Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.

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VA Mortgage Rate — Avg
7.731%
▲ 0.099% from last week

The VA mortgage rate rose 0.099 points over the past 7 days to 7.731%, up from 7.632% last week.

Quick Reference — October 2026
Est. payment ($400k loan): $2,860/mo
Loan type: VA Fixed (30-year term)
Best for: No down payment, veterans and service members
Data source: mortgage rate averages compiled from our database of 8,500+ banks and credit unions
As of Oct 15, 2026 • Daily averages from our database of 8,500+ U.S. banks & credit unions — updated daily
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VA Mortgage Calculators

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Methodology & Data Sources

Direct-Sourced & Verified Rate Data: Every VA mortgage rate on this page is sourced directly from the official website of the lending institution — no estimates, no survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.

Coast-to-Coast Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and online lenders. This breadth ensures you see competitive rates that many rate surveys miss.

Time-Stamped for Full Transparency: Because VA mortgage rates can shift multiple times per week in response to 10-year Treasury movements and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.

Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.

Frequently Asked Questions About VA Mortgage Rates

What is a VA loan?

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs, available to eligible active-duty service members, veterans, and surviving spouses. Because the VA guarantees a portion of the loan against default, participating lenders can offer VA borrowers better terms than conventional loans — including no down payment, no private mortgage insurance (PMI), and competitively low interest rates. VA loans are often the best mortgage available to those who qualify.

Who is eligible for a VA loan?

VA loan eligibility is available to active-duty service members with at least 90 consecutive days of service during wartime or 181 days during peacetime, National Guard and Reserve members with six or more years of service or 90 days of active-duty service, and surviving spouses of service members who died in the line of duty or from a service-connected disability. Eligibility is established through a Certificate of Eligibility (COE) obtained through the VA or your lender.

Do VA loans require a down payment?

No. One of the most significant VA loan benefits is the ability to purchase a home with zero down payment, with no loan limit for eligible borrowers with full entitlement (as of 2020). This allows qualified veterans to buy a home without years of saving for a down payment. A down payment may still be required if you have reduced entitlement from a prior VA loan, or if the purchase price exceeds the county VA loan limit.

What is the VA funding fee?

The VA funding fee is a one-time fee paid to the Department of Veterans Affairs that helps sustain the VA loan program. For first-time users with no down payment, the fee is 2.15% of the loan amount (2.30% for National Guard and Reserve members). It drops to 1.65% with a 5%+ down payment. The fee can be financed into the loan. Certain borrowers are exempt, including veterans receiving VA disability compensation and surviving spouses of veterans who died in service or from a service-connected disability.

Do VA loans require mortgage insurance?

No. VA loans do not require private mortgage insurance (PMI) or any form of monthly mortgage insurance premium, regardless of the down payment amount. This is a major financial advantage over FHA loans (which require MIP for the life of the loan) and conventional loans with less than 20% down (which require PMI). The VA funding fee is a one-time upfront cost, not an ongoing monthly charge.

What credit score do I need for a VA loan?

The VA itself does not set a minimum credit score, but most lenders require a score of 620 or higher. Some lenders will approve VA loans with scores as low as 580, though you may face higher rates or additional requirements. Because the VA guarantee reduces lender risk, VA loans are generally more forgiving of imperfect credit than conventional mortgages. Shopping multiple VA-approved lenders is important since credit requirements vary.

What is a VA IRRRL (Interest Rate Reduction Refinance Loan)?

The VA IRRRL, also called a VA Streamline Refinance, allows existing VA loan holders to refinance to a lower interest rate with minimal paperwork and no appraisal or income verification in most cases. To qualify, you must already have a VA loan, and the refinance must result in a lower interest rate (or move from an adjustable to a fixed rate). The IRRRL is one of the simplest refinance options available and typically closes faster than a standard refinance.

How does a VA loan compare to a conventional or FHA loan?

For eligible borrowers, VA loans typically offer the best overall terms. Compared to conventional loans, VA loans allow zero down payment with no PMI, often have lower interest rates, and are more flexible on credit. Compared to FHA loans, VA loans have no ongoing mortgage insurance, making them significantly less expensive over time. The main trade-off is that VA loans require military service eligibility and charge a funding fee — though the fee is often offset quickly by the savings from no PMI.

How are VA mortgage rates determined?

VA mortgage rates are influenced by the same broad market forces as other mortgage types — particularly 10-year U.S. Treasury yields, Federal Reserve policy, and investor demand for mortgage-backed securities. Because VA loans carry a federal guarantee, lenders typically price them at or below conventional rates. Individual quotes depend on your credit score, loan amount, loan term, and the specific lender's cost of capital. Comparing quotes from multiple VA-approved lenders can yield meaningful savings.

What are today's best VA mortgage rates?

  • Cedar Point Federal Credit Union: 6.50% (Federal VA 30 Year Fixed Rate)
  • Advantage One Credit Union: 6.25% (VA Fixed-Rate Mortgage - 30-Year)
  • Family Security Credit Union: 6.25% (Home - 30 Year VA Loan)
  • Langley Federal Credit Union: 6.50% (VA Mortgage Loan)
  • Educators Credit Union: 6.75% (VA Mortgage Products - 30-year Fixed)
VA Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers across the country. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated: October 14, 2026

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