15-year VA mortgage rates — United States
5.51%
Estimated median purchase rate · P25–P75 5.24%–5.64%
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These numbers come from public HMDA filings, which don’t include credit scores — so every median here mixes every credit profile together. Adding your mortgage — anonymously, in under a minute — is the only thing that can break these out by credit band.
Share your rate- Loans in benchmark
- 36
- Evidence
- Moderate evidenceBased on 36 loans — one loan shifts the estimate by about 0.01 percentage points.
- Typical closing costs
- $4,770
- As of
- 2025-07-14
5.47%
Estimated median refinance rate · P25–P75 5.16%–5.71%
Add yours, and we can publish rates by credit score
These numbers come from public HMDA filings, which don’t include credit scores — so every median here mixes every credit profile together. Adding your mortgage — anonymously, in under a minute — is the only thing that can break these out by credit band.
Share your rate- Loans in benchmark
- 15
- Evidence
- Limited evidenceBased on 15 loans — with this few, one loan can shift the estimate by several hundredths of a percentage point.
- Typical closing costs
- $2,370
- As of
- 2025-07-14
6.08%
Estimated median cash-out refinance rate · P25–P75 5.52%–6.50%
Add yours, and we can publish rates by credit score
These numbers come from public HMDA filings, which don’t include credit scores — so every median here mixes every credit profile together. Adding your mortgage — anonymously, in under a minute — is the only thing that can break these out by credit band.
Share your rate- Loans in benchmark
- 40
- Evidence
- Moderate evidenceBased on 40 loans — one loan shifts the estimate by about 0.01 percentage points.
- Typical closing costs
- $8,800
- As of
- 2025-07-14
Rate is a points-normalized estimate (each loan adjusted toward its zero-point equivalent using a standard ~0.25%/point buydown assumption), shown alongside typical closing costs so rate and cost are weighed together — a lower rate often comes with higher points or fees. From crowdsourced and public HMDA data, for comparison only. Not an offer, quote, or savings estimate.