Fayetteville VA Loan Rates, Closing Costs & Stats

FAYETTEVILLE, 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.

    Fayetteville's 193 lenders originated 6,807 VA loans during 2024. The total origination value was $2,034,575,000, with an average VA loan value of $298,895.

    Fayetteville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Fayetteville averaged 0.41% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Fayetteville's average VA mortgage closing costs are $6,169.

    The average rate for the prior week (2025-06-13) was 6.76% and one month ago for the week of 2025-05-16, the average rate was 6.42%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.26%.

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

    Fayetteville 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 Fayetteville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 1,080 6.44% $7,048
    UNITED WHOLESALE MORTGAGE, LLC 579 5.91% $8,106
    FREEDOM MORTGAGE CORPORATION 558 6.15% $8,726
    NAVY FEDERAL CREDIT UNION 315 5.90% $6,641
    MOVEMENT MORTGAGE, LLC 276 6.28% $8,957
    QUICKEN LOANS, LLC 247 6.05% $8,791
    PENNYMAC LOAN SERVICES, LLC 225 5.65% $7,850
    CROSSCOUNTRY MORTGAGE, LLC 191 6.40% $8,827
    UNION HOME MORTGAGE CORP. 140 6.20% $9,795
    CORNERSTONE HOME LENDING, INC. 137 6.31% $6,984
    VILLAGE CAPITAL MORTGAGE 134 5.69% $6,679
    American Security Mortgage Corp. 119 6.36% $10,563
    USAA Federal Savings Bank 118 6.18% $9,520
    GUARANTEED RATE, INC. 105 6.16% $7,869
    SOUTHERN TRUST MORTGAGE, LLC 102 6.53% $12,091
    JET HOMELOANS, LLC 93 5.97% $13,313
    LOANDEPOT.COM, LLC 85 6.29% $7,695
    MORTGAGE SOLUTIONS OF COLORADO, LLC 84 7.05% $4,442
    NEW DAY FINANCIAL, LLC 72 7.51% $11,141
    DHI MORTGAGE COMPANY, LTD. 71 4.96% $8,484
    NEWREZ LLC 67 5.94% $6,778
    GoPrime Mortgage, Inc. 65 6.11% $8,824
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 62 6.52% $7,388
    NFM, INC. 61 6.14% $10,092
    BROKER SOLUTIONS, INC. 55 6.50% $9,915
    Alcova Mortgage LLC 55 6.36% $8,182
    HOMESPIRE MORTGAGE CORPORATION 54 6.44% $6,604
    GUILD MORTGAGE COMPANY 48 6.42% $10,225
    The Federal Savings Bank 47 6.48% $13,294
    Mr. Cooper ( Nationstar Mortgage ) 39 6.19% $8,375
    PLAZA HOME MORTGAGE, INC. 38 6.17% $10,358
    Mid-Continent Funding, Inc. 37 6.11% $7,305
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 35 6.37% $8,333
    Towne Bank 32 5.64% $10,317
    PLANET HOME LENDING, LLC 32 5.96% $4,110
    Carrington Mortgage Services, LLC 30 6.25% $8,252
    CLEARPATH LENDING 26 5.65% $6,484
    CMG MORTGAGE, INC. 26 6.29% $11,143
    PENTAGON FEDERAL CREDIT UNION 25 6.26% $7,203
    Lakeview Community Capital, LLC 24 5.83% $5,314
    NBKC BANK 23 6.01% $5,996
    SUN WEST MORTGAGE COMPANY, INC. 23 6.00% $5,894
    Encompass Lending Group, LP 23 6.42% $12,701
    Integrity Home Mortgage Corp 19 6.73% $5,161
    Prosperity Home Mortgage, LLC 19 6.43% $9,495
    Equity Prime Mortgage LLC 17 6.96% $8,471
    Plains Commerce Bank 15 6.32% $7,082
    FIRST HOME MORTGAGE CORPORATION 14 6.08% $8,631
    EQUITY RESOURCES, INC. 13 6.22% $3,725
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 13 6.42% $5,579
    PRIMELENDING, A PLAINSCAPITAL COMPANY 13 6.20% $9,113
    FBC MORTGAGE, LLC 13 5.27% $6,645
    Truist 12 6.15% $5,194
    Barrington Bank & Trust Company, N.A. 12 6.17% $5,845
    SeaTrust Mortgage Company 12 6.60% $8,278
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 11 6.56% $10,134
    CARDINAL FINANCIAL 11 6.67% $15,725
    AmeriHome Mortgage Company, LLC 10 6.12% $5,109
    RELIANCE FIRST CAPITAL, LLC 10 6.49% $10,387
    ACOPIA, LLC 10 6.12% $8,847
    LOANPAL, LLC 10 5.78% $10,466
    First Federal Bank 10 5.86% $9,036
    LAKEVIEW LOAN SERVICING, LLC 10 5.84% $5,849
    KBHS HOME LOANS, LLC 10 5.93% $7,110
    MICHIGAN MUTUAL, INC. 9 6.05% $6,805
    Paramount Residential Mortgage Group, Inc. 9 6.50% $9,840
    MUTUAL OF OMAHA MORTGAGE, INC. 9 6.18% $13,959
    Armed Forces Bank 9 6.31% $10,312
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 9 6.75% $8,181
    VELOCIO MORTGAGE L.L.C. 9 5.77% $6,624
    NVR Mortgage Finance, Inc. 8 5.91% $7,032
    Wells Fargo Bank 8 5.80% $8,224
    VERITAS FUNDING, LLC 8 6.37% $17,619
    First Horizon Bank 8 6.31% $7,512
    MORTGAGEONE, INC. 7 6.88% $5,207
    Sierra Pacific Mortgage Company, Inc. 7 6.39% $7,323
    Presidential Bank, FSB 7 6.25% $7,411
    INTERCOASTAL MORTGAGE COMPANY 7 6.55% $5,776
    HOMEBRIDGE FINANCIAL SERVICES, INC. 7 6.25% $2,599
    Century Mortgage Company DBA Century Lending Company 7 5.82% $6,195
    First-Citizens Bank & Trust Company 6 5.69% $6,574
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 6 6.02% $9,432
    CANOPY MORTGAGE, LLC 6 6.21% $11,463
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 6 6.67% $12,138
    Ameris Bank 6 6.10% $8,415
    AMERISAVE MORTGAGE CORPORATION 6 6.06% $12,600
    ALLIED MORTGAGE GROUP, INC. 6 5.75% $6,161
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 6 5.77% $3,360
    AMERICAN FINANCIAL NETWORK, INC. 5 6.23% $11,579
    NETWORK CAPITAL FUNDING CORPORATION 5 6.18% $11,000
    PHH Mortgage Corporation 5 5.72% $6,329
    AMERICAN FINANCIAL RESOURCES, INC. 5 6.15% $11,382
    AMERICAN FINANCING CORPORATION 5 5.75% $8,886
    FIRST EQUITY MORTGAGE INCORPORATED 5 5.70% $8,135
    SUCCESS MORTGAGE PARTNERS, INC. 5 6.40% $11,926
    MID AMERICA MORTGAGE, INC. 4 6.72% $11,854
    United Community Bank 4 6.09% $6,955
    GERSHMAN INVESTMENT CORP. 4 5.81% $8,555
    MILEND, INC. 4 6.53% $14,395
    Flagstar Bank, FSB 4 6.12% $11,387
    North American Savings Bank, F.S.B. 4 6.00% $5,203
    1ST SIGNATURE LENDING, LLC 4 7.09% $7,405
    Magnolia Bank 3 5.96% $17,332
    DELMAR FINANCIAL COMPANY 3 6.50% $13,367
    MATTAMY HOME FUNDING, LLC 3 5.54% $4,443
    Credence Funding Corporation 3 6.13% $7,808
    CONTOUR MORTGAGE CORPORATION 3 6.00% $8,583
    The Fidelity Bank 3 5.88% $8,883
    The Loan Store, Inc. 3 5.50% $6,961
    U.S. Bank 3 6.25% $8,284
    BAY EQUITY LLC 3 6.58% $5,787
    North State Bank 3 6.63% $10,056
    JPMorgan Chase Bank 3 6.00% $3,571
    Nations Lending Corporation 3 6.75% $14,303
    SFMC, LP 3 6.13% $9,598
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.04% $10,420
    LADERA LENDING, INC. 3 6.79% $9,402
    T2 FINANCIAL LLC 3 6.38% $10,505
    Texana Bank 3 6.96% $11,011
    The Central Trust Bank 3 6.29% $9,553
    DAS Acquisition Company, LLC 2 6.94% $9,551
    ALLIANT CREDIT UNION 2 5.88% $8,405
    Blue Ridge Bank 2 6.69% $7,676
    CAPITAL CENTER, L.L.C. 2 5.69% $3,525
    CityWorth Mortgage LLC 2 6.75% $6,734
    Cornerstone First Mortgage, Inc 2 6.38% $17,826
    EMM LOANS LLC 2 6.69% $7,781
    Fifth Third Bank 2 6.13% $4,665
    First Bank 2 5.99% $8,843
    FIRST COMMUNITY MORTGAGE, INC. 2 6.13% $6,828
    GREENSTATE CREDIT UNION 2 6.19% $4,459
    GUARANTEED RATE AFFINITY, LLC 2 6.15% $4,118
    HOMESIDE FINANCIAL, LLC 2 6.69% $17,629
    Hometown Equity Mortgage, LLC 2 6.75% $9,895
    Ixonia Bank 2 6.38% $15,747
    NORWICH COMMERCIAL GROUP, INC. 2 6.00% $13,595
    PNC Bank 2 6.44% $3,888
    RAPID MORTGAGE COMPANY 2 6.62% $7,878
    Regions Bank 2 6.50% $12,591
    Residential Mortgage Solutions, Inc. 2 5.75% $5,435
    TIDEWATER MORTGAGE SERVICES, INC. 2 6.94% $6,446
    Waterstone Mortgage Corporation 2 6.13% $14,740
    ZILLOW HOME LOANS, LLC 2 6.94% $5,656
    MASON MCDUFFIE MORTGAGE CORPORATION 1 7.13% $12,299
    LENOX FINANCIAL MORTGAGE CORPORATION 1 5.25% $1,599
    Kwik Mortgage Corporation 1 6.75% $7,042
    BAYSHORE MORTGAGE FUNDING, LLC 1 7.13% $10,232
    Atlantic Coast Mortgage, LLC 1 5.49% $4,151
    JMAC LENDING, INC. 1 6.25% $10,271
    Residential Acceptance Corporation 1 7.50% $4,126
    ALAMEDA MORTGAGE CORPORATION 1 6.63% $6,730
    HUNT MORTGAGE CORPORATION 1 6.75% $7,788
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 6.25% $3,306
    HOMESTEAD FUNDING CORP. 1 6.00% $9,880
    HARBORONE MORTGAGE, LLC 1 5.38% $8,116
    Southern Bank and Trust Company 1 5.75% $13,252
    GSF Mortgage Corporation 1 7.13% $4,275
    SOVEREIGN LENDING GROUP INCORPORATED 1 6.75% $3,656
    STOCKTON MORTGAGE CORPORATION 1 7.25% $6,632
    Strong Home Mortgage, LLC 1 5.25% $3,446
    Gateway First Bank 1 7.13% $2,563
    SUMMIT FUNDING, INC. 1 6.13% $3,707
    FLAT BRANCH MORTGAGE, INC. 1 7.13% $5,660
    SWBC MORTGAGE CORPORATION 1 6.75% $5,545
    First Bank 1 7.00% $3,589
    TD Bank 1 7.13% $1,865
    EVERETT FINANCIAL, INC. 1 5.63% $2,944
    ENVOY MORTGAGE, LTD 1 5.50% $6,726
    THE EQUITABLE MORTGAGE CORPORATION 1 6.13% $7,135
    EMBRACE HOME LOANS, INC. 1 6.75% $8,445
    COMPASS MORTGAGE, INC. 1 7.13% $5,706
    The Freedom Bank of Virginia 1 6.13% $4,007
    The Huntington National Bank 1 5.88% $3,940
    City National Bank of Florida 1 5.75% $7,428
    THE MORTGAGE LINK, INC. 1 5.75% $13,591
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.75% $6,652
    TJC Mortgage, Inc. 1 6.25% $19,394
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.13% $3,910
    Towne Mortgage of the Carolinas, LLC 1 6.00% $8,119
    Citizens Bank 1 5.88% $13,550
    CHURCHILL MORTGAGE CORPORATION 1 6.75% $10,089
    C & F Mortgage Corporation 1 5.75% $8,981
    Capital City Home Loans, LLC 1 6.13% $12,002
    CALCON MUTUAL MORTGAGE LLC 1 7.13% $32,353
    BETTER MORTGAGE CORPORATION 1 6.63% $4,186
    US MORTGAGE CORPORATION 1 6.25% $10,953
    OCMBC, INC. 1 6.13% $2,781
    Northpointe Bank 1 6.25% $7,093
    NBH Bank 1 6.63% $15,124
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.63% $6,406
    M&T Bank 1 6.63% $4,834
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.38% $11,377
    MORTGAGE INVESTORS GROUP, INC. 1 6.75% $6,381

    The top Fayetteville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 1,080 VA loans originated. Their average total fees are $7,048, which is $1,057 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Fayetteville VA lenders (with over 10 loans originated) are EQUITY RESOURCES, INC. ($3,725), PLANET HOME LENDING, LLC ($4,110), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,442), AmeriHome Mortgage Company, LLC ($5,109) and Integrity Home Mortgage Corp ($5,161).

    The lowest rate Fayetteville VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.96%), FBC MORTGAGE, LLC (5.27%), Towne Bank (5.64%), PENNYMAC LOAN SERVICES, LLC (5.65%) and CLEARPATH LENDING (5.65%).

    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.