30-year VA mortgage rates — United States
6.09%
Estimated median purchase rate · P25–P75 5.81%–6.46%
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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.
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- 4,487
- Typical closing costs
- $6,520
- As of
- 2026-09-07
5.62%
Estimated median refinance rate · P25–P75 5.43%–5.93%
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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.
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- 2,279
- Typical closing costs
- $4,150
- As of
- 2026-09-07
6.59%
Estimated median cash-out refinance rate · P25–P75 6.09%–7.07%
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
- 1,258
- Typical closing costs
- $12,650
- As of
- 2026-09-07
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.