Goldsboro VA Loan Rates, Closing Costs & Stats

GOLDSBORO, NC

  • 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.

    Goldsboro's 88 lenders originated 685 VA loans during 2024. The total origination value was $188,815,000, with an average VA loan value of $275,642.

    Goldsboro VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Goldsboro averaged 6.38% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Goldsboro's average VA mortgage closing costs are $5,555.

    The average rate for the prior week (2025-07-11) was 6.67% and one month ago for the week of 2025-06-13, the average rate was 6.84%.

    The average rate one year ago was 6.64%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.66%.

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

    Goldsboro 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 Goldsboro level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 90 6.49% $5,209
    UNITED WHOLESALE MORTGAGE, LLC 68 5.87% $7,177
    American Security Mortgage Corp. 44 6.13% $9,645
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 39 6.35% $7,944
    FREEDOM MORTGAGE CORPORATION 29 6.33% $10,212
    CORNERSTONE HOME LENDING, INC. 28 5.85% $5,933
    MICHIGAN MUTUAL, INC. 28 6.28% $5,865
    PENNYMAC LOAN SERVICES, LLC 27 5.62% $7,951
    MOVEMENT MORTGAGE, LLC 27 6.37% $8,509
    QUICKEN LOANS, LLC 23 6.13% $8,410
    FBC MORTGAGE, LLC 21 5.68% $10,121
    DHI MORTGAGE COMPANY, LTD. 20 4.98% $7,760
    NAVY FEDERAL CREDIT UNION 18 5.80% $6,496
    USAA Federal Savings Bank 15 6.34% $7,413
    VELOCIO MORTGAGE L.L.C. 12 5.35% $7,825
    NEW DAY FINANCIAL, LLC 10 7.12% $7,670
    NEWREZ LLC 9 6.09% $6,278
    VILLAGE CAPITAL MORTGAGE 9 5.75% $4,336
    LOANDEPOT.COM, LLC 6 6.02% $9,792
    GUILD MORTGAGE COMPANY 5 5.50% $10,012
    STOCKTON MORTGAGE CORPORATION 5 6.55% $10,386
    Regions Bank 5 6.40% $8,363
    CROSSCOUNTRY MORTGAGE, LLC 5 6.33% $6,637
    CHURCHILL MORTGAGE CORPORATION 4 6.81% $8,170
    Mr. Cooper ( Nationstar Mortgage ) 4 6.19% $9,506
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 6.78% $5,507
    The Federal Savings Bank 4 6.19% $13,324
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.94% $5,632
    LAKEVIEW LOAN SERVICING, LLC 4 5.72% $5,477
    Mid-Continent Funding, Inc. 3 6.17% $11,474
    Residential Acceptance Corporation 3 7.92% $4,947
    LOANPAL, LLC 3 5.67% $11,644
    CMG MORTGAGE, INC. 3 6.33% $8,906
    Sunflower Bank 3 6.58% $13,883
    ZILLOW HOME LOANS, LLC 2 6.38% $2,614
    ALLIED MORTGAGE GROUP, INC. 2 6.69% $6,156
    AMERISAVE MORTGAGE CORPORATION 2 4.88% $15,328
    Ameris Bank 2 6.19% $5,876
    Barrington Bank & Trust Company, N.A. 2 6.00% $2,926
    BROKER SOLUTIONS, INC. 2 7.25% $9,726
    Carrington Mortgage Services, LLC 2 5.69% $5,874
    Corporate Investors Mortgage Group, Inc. 2 6.25% $9,680
    Credence Funding Corporation 2 5.75% $4,082
    Equity Prime Mortgage LLC 2 6.38% $5,605
    GUARANTEED RATE, INC. 2 6.19% $8,327
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.37% $2,419
    INTERCOASTAL MORTGAGE COMPANY 2 7.38% $3,978
    Lakeview Community Capital, LLC 2 5.56% $7,432
    NBKC BANK 2 6.06% $4,817
    Prosperity Home Mortgage, LLC 2 5.94% $11,255
    T2 FINANCIAL LLC 2 6.50% $9,467
    TOWNE MORTGAGE COMPANY 2 5.44% $13,357
    Towne Mortgage of the Carolinas, LLC 2 6.31% $8,872
    Truist 2 6.05% $4,696
    V.I.P. MORTGAGE, INC. 2 5.88% $8,126
    NJ LENDERS CORP. 1 5.25% $3,826
    North American Savings Bank, F.S.B. 1 4.88% $24,155
    NP, Inc. 1 6.13% $7,801
    PANORAMA MORTGAGE GROUP, LLC 1 6.75% $7,950
    ENVOY MORTGAGE, LTD 1 6.13% $3,295
    AmeriHome Mortgage Company, LLC 1 5.99% $3,494
    CONTOUR MORTGAGE CORPORATION 1 6.13% $11,674
    CityWorth Mortgage LLC 1 6.75% $1,287
    Century Mortgage Company DBA Century Lending Company 1 6.75% $3,423
    RiverHills Bank 1 6.75% $8,982
    SOUTHERN TRUST MORTGAGE, LLC 1 6.25% $13,568
    CASTLE & COOKE MORTGAGE, LLC 1 5.75% $7,813
    SUCCESS MORTGAGE PARTNERS, INC. 1 5.00% $8,162
    BAYSHORE MORTGAGE FUNDING, LLC 1 6.50% $7,018
    SUN WEST MORTGAGE COMPANY, INC. 1 5.50% $2,220
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.13% $4,728
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $8,403
    The Fidelity Bank 1 6.75% $3,328
    TOP FLITE FINANCIAL, INC. 1 6.25% $20,549
    Towne Bank 1 6.63% $6,856
    AMERICAN FINANCIAL NETWORK, INC. 1 5.88% $14,455
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 5.63% $21,977
    Wells Fargo Bank 1 5.13% $17,314
    UNION HOME MORTGAGE CORP. 1 6.13% $17,076
    United Community Bank 1 5.38% $5,363
    AMERITRUST MORTGAGE CORPORATION 1 7.00% $2,462
    Integrity Home Mortgage Corp 1 6.75% $1,265
    Nations Lending Corporation 1 6.63% $2,072
    HOMESIDE FINANCIAL, LLC 1 7.00% $7,892
    UNIVERSITY Federal Credit Union 1 6.25% $14,460
    Flagstar Bank, FSB 1 6.25% $6,085
    FIRST STATE MORTGAGE SERVICES, LLC 1 6.25% $11,298
    NFM, INC. 1 6.00% $14,198

    The top Goldsboro VA lender as defined by loan originations is Mortgage Research Center, LLC, with 90 VA loans originated. Their average total fees are $5,209, which is $1,969 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Goldsboro VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,209), MICHIGAN MUTUAL, INC. ($5,865), CORNERSTONE HOME LENDING, INC. ($5,933), NAVY FEDERAL CREDIT UNION ($6,496) and UNITED WHOLESALE MORTGAGE, LLC ($7,177).

    The lowest rate Goldsboro VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.98%), VELOCIO MORTGAGE L.L.C. (5.35%), PENNYMAC LOAN SERVICES, LLC (5.62%), FBC MORTGAGE, LLC (5.68%) and NAVY FEDERAL CREDIT UNION (5.80%).

    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.