Jacksonville VA Loan Rates, Closing Costs & Stats

JACKSONVILLE, 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.

    Jacksonville's 141 lenders originated 3,694 VA loans during 2024. The total origination value was $1,075,950,000, with an average VA loan value of $291,270.

    Jacksonville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Jacksonville averaged 6.79% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Jacksonville's average VA mortgage closing costs are $5,912.

    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 6.65%.

    The average rate one year ago was 6.34%.

    For refis of the same type during the week of 2025-07-18, the average rate was 5.93%.

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

    Jacksonville 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 Jacksonville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 488 6.43% $6,479
    NAVY FEDERAL CREDIT UNION 445 5.93% $6,478
    FREEDOM MORTGAGE CORPORATION 367 6.20% $7,343
    MOVEMENT MORTGAGE, LLC 242 6.38% $8,811
    UNITED WHOLESALE MORTGAGE, LLC 214 5.81% $7,262
    NEWREZ LLC 185 6.29% $8,119
    GUILD MORTGAGE COMPANY 184 6.60% $7,013
    PENNYMAC LOAN SERVICES, LLC 107 5.74% $7,058
    QUICKEN LOANS, LLC 107 6.07% $9,871
    GUARANTEED RATE, INC. 99 6.20% $6,707
    VILLAGE CAPITAL MORTGAGE 78 5.71% $6,396
    CROSSCOUNTRY MORTGAGE, LLC 71 6.23% $6,453
    Integrity Home Mortgage Corp 69 6.43% $6,990
    PLAZA HOME MORTGAGE, INC. 60 6.24% $7,691
    T2 FINANCIAL LLC 40 6.31% $9,608
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 37 6.24% $7,574
    USAA Federal Savings Bank 36 6.09% $8,753
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 32 6.36% $8,593
    DHI MORTGAGE COMPANY, LTD. 31 5.20% $10,271
    American Security Mortgage Corp. 30 6.13% $12,710
    NEW DAY FINANCIAL, LLC 28 7.50% $10,586
    MORTGAGE SOLUTIONS OF COLORADO, LLC 22 6.71% $5,213
    FBC MORTGAGE, LLC 21 4.66% $9,228
    JET HOMELOANS, LLC 20 5.60% $11,699
    CMG MORTGAGE, INC. 19 6.26% $11,273
    NBKC BANK 18 6.01% $8,062
    LOANDEPOT.COM, LLC 17 6.12% $7,818
    PLANET HOME LENDING, LLC 16 5.83% $3,859
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 16 5.83% $5,951
    Mid-Continent Funding, Inc. 16 6.19% $7,010
    MUTUAL OF OMAHA MORTGAGE, INC. 16 6.64% $6,270
    LAKEVIEW LOAN SERVICING, LLC 15 5.81% $6,369
    CLEARPATH LENDING 14 5.87% $7,586
    The Federal Savings Bank 14 6.55% $14,777
    Carrington Mortgage Services, LLC 13 5.94% $7,438
    UNION HOME MORTGAGE CORP. 13 5.99% $6,219
    BROKER SOLUTIONS, INC. 12 6.73% $11,195
    Mr. Cooper ( Nationstar Mortgage ) 12 6.33% $10,575
    SeaTrust Mortgage Company 12 6.48% $10,001
    The Loan Store, Inc. 10 6.23% $11,794
    First Federal Bank 9 6.03% $6,986
    Towne Bank 9 6.18% $7,933
    CORNERSTONE HOME LENDING, INC. 7 6.25% $6,171
    AmeriHome Mortgage Company, LLC 7 6.14% $4,650
    SUN WEST MORTGAGE COMPANY, INC. 6 5.90% $4,163
    Barrington Bank & Trust Company, N.A. 6 6.15% $10,489
    Atlantic Coast Mortgage, LLC 6 6.50% $10,516
    Flagstar Bank, FSB 6 6.04% $6,666
    INTERCOASTAL MORTGAGE COMPANY 6 6.08% $3,894
    Equity Prime Mortgage LLC 5 6.35% $5,069
    VANDERBILT MORTGAGE AND FINANCE, INC. 5 5.02% $11,352
    Credence Funding Corporation 4 5.69% $7,384
    AMERICAN FINANCIAL RESOURCES, INC. 4 6.47% $8,661
    Gateway First Bank 4 6.84% $8,218
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 6.16% $2,959
    HOMESIDE FINANCIAL, LLC 4 6.75% $7,433
    Lakeview Community Capital, LLC 4 6.22% $6,364
    Paramount Residential Mortgage Group, Inc. 4 6.87% $8,076
    LOANPAL, LLC 3 5.62% $11,002
    Truist 3 6.32% $6,798
    North State Bank 3 6.67% $9,283
    FIRST HOME MORTGAGE CORPORATION 3 6.88% $8,717
    AMERICAN FINANCIAL NETWORK, INC. 3 6.42% $5,335
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.33% $12,608
    Armed Forces Bank 3 5.75% $2,294
    Prosperity Home Mortgage, LLC 3 6.25% $11,195
    Blue Ridge Bank 3 6.21% $10,260
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 3 7.21% $8,578
    Wells Fargo Bank 3 6.00% $16,967
    GUARANTEED RATE AFFINITY, LLC 3 5.80% $9,549
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.29% $10,313
    PENTAGON FEDERAL CREDIT UNION 3 6.13% $5,470
    Alcova Mortgage LLC 3 6.17% $7,150
    NFM, INC. 3 6.54% $8,599
    JPMorgan Chase Bank 2 6.25% $1,696
    LOANFLIGHT LENDING, LLC 2 5.69% $5,048
    PHH Mortgage Corporation 2 6.25% $5,382
    CARDINAL FINANCIAL 2 6.50% $25,195
    AMERISAVE MORTGAGE CORPORATION 2 5.50% $17,364
    THE MORTGAGE LINK, INC. 2 6.50% $17,686
    Ixonia Bank 2 6.69% $11,488
    TOWNE MORTGAGE COMPANY 2 6.44% $5,087
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.62% $8,339
    ALLIED MORTGAGE GROUP, INC. 2 6.13% $4,644
    U.S. Bank 2 6.44% $1,642
    RAPID MORTGAGE COMPANY 2 6.63% $8,111
    NORWICH COMMERCIAL GROUP, INC. 1 6.13% $16,638
    Pacific Lending LLC 1 6.25% $5,960
    ZILLOW HOME LOANS, LLC 1 7.13% $10,927
    CANOPY MORTGAGE, LLC 1 5.88% $18,757
    Plains Commerce Bank 1 5.63% $11,472
    CALCON MUTUAL MORTGAGE LLC 1 5.63% $11,846
    BOND STREET MORTGAGE, LLC 1 6.63% $7,315
    POINT Mortgage 1 6.13% $7,703
    Presidential Bank, FSB 1 6.63% $13,907
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.63% $12,370
    RELIANCE FIRST CAPITAL, LLC 1 6.63% $10,665
    BAY EQUITY LLC 1 6.25% $9,687
    RESOURCE FINANCIAL SERVICES, INC. 1 6.50% $1,721
    Sandy Spring Bank 1 6.63% $7,227
    SOUTHERN TRUST MORTGAGE, LLC 1 7.13% $13,086
    South State Bank 1 6.13% $4,761
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.50% $19,200
    SUMMIT FUNDING, INC. 1 6.13% $9,501
    Ameris Bank 1 6.13% $3,269
    TJC Mortgage, Inc. 1 5.25% $4,864
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.13% $7,505
    AMERICAN FINANCING CORPORATION 1 6.25% $15,663
    UNITED MORTGAGE CORP 1 7.13% $13,658
    ALLIANT CREDIT UNION 1 5.63% $2,645
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.13% $11,309
    Goldwater Bank, N.A. 1 8.99% $21,376
    GoPrime Mortgage, Inc. 1 6.25% $10,167
    GSF Mortgage Corporation 1 7.63% $13,084
    FIRST SAVINGS MORTGAGE CORPORATION 1 6.75% $19,779
    First National Bank of Pennsylvania 1 6.25% $3,589
    GVC MORTGAGE, INC. 1 6.13% $18,240
    VERITAS FUNDING, LLC 1 5.75% $13,983
    Home Mortgage Alliance Corp 1 5.88% $7,487
    First Horizon Bank 1 6.00% $9,631
    INTERCAP LENDING INC. 1 5.99% $24,477
    FIRST COMMUNITY MORTGAGE, INC. 1 6.63% $5,852
    JMAC LENDING, INC. 1 6.25% $4,351
    FIRST COLONY MORTGAGE CORPORATION 1 5.88% $6,772
    First-Citizens Bank & Trust Company 1 6.00% $7,235
    Magnolia Bank 1 5.75% $16,038
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.75% $31,057
    MICHIGAN MUTUAL, INC. 1 6.25% $125
    Farmers Bank & Trust 1 5.88% $2,981
    MILEND, INC. 1 6.25% $13,980
    Mortgage Assurance Inc. 1 6.13% $12,013
    MORTGAGE EQUITY PARTNERS LLC 1 6.25% $9,671
    EQUITY RESOURCES, INC. 1 6.13% $0
    DAS Acquisition Company, LLC 1 6.50% $9,374
    ACOPIA, LLC 1 6.25% $14,421
    Corporate Investors Mortgage Group, Inc. 1 5.63% $9,043
    Cornerstone First Mortgage, Inc 1 6.25% $14,304
    Nations Lending Corporation 1 6.13% $14,061
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.25% $7,694
    CHURCHILL MORTGAGE CORPORATION 1 6.25% $10,011
    CAPITAL CENTER, L.L.C. 1 6.63% $50

    The top Jacksonville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 488 VA loans originated. Their average total fees are $6,479, which is $1 higher than the next largest lender, NAVY FEDERAL CREDIT UNION.

    The lowest fee Jacksonville VA lenders (with over 10 loans originated) are PLANET HOME LENDING, LLC ($3,859), MORTGAGE SOLUTIONS OF COLORADO, LLC ($5,213), RESIDENTIAL WHOLESALE MORTGAGE, INC. ($5,951), UNION HOME MORTGAGE CORP. ($6,219) and MUTUAL OF OMAHA MORTGAGE, INC. ($6,270).

    The lowest rate Jacksonville VA lenders (with over 10 loans originated) are FBC MORTGAGE, LLC (4.66%), DHI MORTGAGE COMPANY, LTD. (5.20%), JET HOMELOANS, LLC (5.60%), VILLAGE CAPITAL MORTGAGE (5.71%) and PENNYMAC LOAN SERVICES, LLC (5.74%).

    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.