Greenville VA Loan Rates, Closing Costs & Stats

GREENVILLE, NC

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    • 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.

    Greenville's 69 lenders originated 359 VA loans during 2024. The total origination value was $105,305,000, with an average VA loan value of $293,329.

    Greenville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Greenville averaged 6.69% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Greenville's average VA mortgage closing costs are $5,409.

    The average rate for the prior week (2025-07-11) was 6.77% and one month ago for the week of 2025-06-13, the average rate was 6.75%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.71%.

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

    Greenville 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 Greenville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 47 6.49% $5,508
    DHI MORTGAGE COMPANY, LTD. 30 5.01% $5,931
    QUICKEN LOANS, LLC 29 6.32% $10,616
    FREEDOM MORTGAGE CORPORATION 22 6.19% $5,160
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 17 6.12% $8,208
    NAVY FEDERAL CREDIT UNION 17 6.05% $4,590
    PENNYMAC LOAN SERVICES, LLC 14 5.54% $6,898
    UNITED WHOLESALE MORTGAGE, LLC 14 6.02% $7,499
    American Security Mortgage Corp. 13 6.15% $6,609
    VILLAGE CAPITAL MORTGAGE 11 5.70% $5,997
    Towne Bank 10 6.53% $7,523
    Truist 7 6.06% $6,295
    NEW DAY FINANCIAL, LLC 7 7.67% $11,066
    USAA Federal Savings Bank 6 6.15% $9,480
    Alcova Mortgage LLC 6 6.15% $4,266
    LOANDEPOT.COM, LLC 6 6.23% $8,101
    Equity Prime Mortgage LLC 5 6.48% $3,391
    NEWREZ LLC 5 6.55% $4,593
    Mid-Continent Funding, Inc. 4 6.25% $6,223
    SUCCESS MORTGAGE PARTNERS, INC. 4 6.34% $9,353
    GUILD MORTGAGE COMPANY 3 6.54% $4,253
    INSPIRE HOME LOANS INC. 3 5.79% $8,094
    Integrity Home Mortgage Corp 3 6.75% $8,363
    FBC MORTGAGE, LLC 3 6.08% $7,022
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 8.04% $2,486
    The Federal Savings Bank 2 6.19% $17,562
    First-Citizens Bank & Trust Company 2 5.63% $4,587
    Southern Bank and Trust Company 2 6.19% $6,705
    JPMorgan Chase Bank 2 6.25% $4,195
    MOVEMENT MORTGAGE, LLC 2 6.50% $3,643
    NFM, INC. 2 6.13% $9,240
    TIDEWATER MORTGAGE SERVICES, INC. 2 6.38% $9,480
    SUMMIT FUNDING, INC. 1 7.13% $3,674
    SUN WEST MORTGAGE COMPANY, INC. 1 5.87% $3,245
    The Central Trust Bank 1 6.13% $6,063
    UNION HOME MORTGAGE CORP. 1 5.75% $18,344
    Wells Fargo Bank 1 5.75% $16,027
    Nations Lending Corporation 1 5.75% $12,137
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.50% $2,255
    AMERICAN FINANCIAL NETWORK, INC. 1 5.50% $10,223
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.00% $3,101
    Barrington Bank & Trust Company, N.A. 1 7.75% $2,338
    BM Real Estate Services, Inc. 1 7.25% $10,321
    BROKER SOLUTIONS, INC. 1 7.25% $8,537
    CALCON MUTUAL MORTGAGE LLC 1 6.25% $2,117
    CARDINAL FINANCIAL 1 7.75% $3,144
    Carrington Mortgage Services, LLC 1 6.75% $6,725
    CMG MORTGAGE, INC. 1 6.75% $9,322
    CORNERSTONE HOME LENDING, INC. 1 6.13% $1,003
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $16,597
    EVERETT FINANCIAL, INC. 1 5.38% $9,991
    First Federal Bank 1 5.25% $14,972
    Flagstar Bank, FSB 1 6.13% $11,451
    GUARANTEED RATE, INC. 1 5.68% $975
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.75% $3,623
    HOMESIDE FINANCIAL, LLC 1 7.13% $15,064
    Ixonia Bank 1 5.99% $6,539
    LAKEVIEW LOAN SERVICING, LLC 1 5.75% $1,405
    LOANPAL, LLC 1 6.38% $17,741
    MILEND, INC. 1 7.00% $11,180
    Mr. Cooper ( Nationstar Mortgage ) 1 5.50% $9,990
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $9,879
    Acre Mortgage and Financial Inc 1 6.75% $18,918
    NBKC BANK 1 5.13% $1,310
    Paramount Residential Mortgage Group, Inc. 1 6.75% $3,540
    PLANET HOME LENDING, LLC 1 5.99% $1,952
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.63% $3,531
    RELIANCE FIRST CAPITAL, LLC 1 6.25% $16,352
    SeaTrust Mortgage Company 1 6.00% $8,164

    The top Greenville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 47 VA loans originated. Their average total fees are $5,508, which is $423 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Greenville VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($4,590), FREEDOM MORTGAGE CORPORATION ($5,160), Mortgage Research Center, LLC ($5,508), DHI MORTGAGE COMPANY, LTD. ($5,931) and VILLAGE CAPITAL MORTGAGE ($5,997).

    The lowest rate Greenville VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.01%), PENNYMAC LOAN SERVICES, LLC (5.54%), VILLAGE CAPITAL MORTGAGE (5.70%), UNITED WHOLESALE MORTGAGE, LLC (6.02%) and NAVY FEDERAL CREDIT UNION (6.05%).

    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.