Greeneville VA Loan Rates, Closing Costs & Stats

Greeneville, TN

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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.

    Greeneville's 52 lenders originated 181 VA loans during 2024. The total origination value was $60,065,000, with an average VA loan value of $331,851.

    Greeneville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Greeneville averaged 6.6% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Greeneville's average VA mortgage closing costs are $5,529.

    The average rate for the prior week (2025-03-28) was 6.52% and one month ago for the week of 2025-02-28, the average rate was 6.5%.

    The average rate one year ago was 6.9%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.16%.

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

    Greeneville 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 Greeneville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 23 5.92% $7,528
    Mortgage Research Center, LLC 22 6.51% $4,446
    GVC MORTGAGE, INC. 9 6.65% $7,425
    DHI MORTGAGE COMPANY, LTD. 9 5.83% $9,290
    QUICKEN LOANS, LLC 8 5.63% $8,070
    NAVY FEDERAL CREDIT UNION 7 5.75% $2,466
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.31% $6,274
    VILLAGE CAPITAL MORTGAGE 6 5.88% $6,296
    NEWREZ LLC 5 5.84% $4,920
    PENNYMAC LOAN SERVICES, LLC 5 5.75% $8,154
    FREEDOM MORTGAGE CORPORATION 4 6.03% $9,601
    CROSSCOUNTRY MORTGAGE, LLC 4 6.41% $8,287
    CMG MORTGAGE, INC. 3 6.08% $9,989
    PLANET HOME LENDING, LLC 3 5.75% $8,664
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.42% $3,320
    ROSS MORTGAGE CORPORATION 3 6.29% $11,790
    Sierra Pacific Mortgage Company, Inc. 3 6.38% $12,530
    The Federal Savings Bank 3 6.00% $23,443
    EVERETT FINANCIAL, INC. 2 6.75% $6,408
    Citizens Bank 2 6.50% $7,606
    UNION HOME MORTGAGE CORP. 2 5.69% $13,037
    NEW DAY FINANCIAL, LLC 2 7.12% $8,903
    Mr. Cooper ( Nationstar Mortgage ) 2 7.00% $4,995
    MOVEMENT MORTGAGE, LLC 2 6.19% $10,854
    Carrington Mortgage Services, LLC 2 6.13% $10,464
    CHURCHILL MORTGAGE CORPORATION 2 6.06% $6,915
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.25% $5,593
    SUMMIT FUNDING, INC. 2 6.00% $13,275
    LAKEVIEW LOAN SERVICING, LLC 1 5.88% $14,834
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.50% $6,818
    AMERISAVE MORTGAGE CORPORATION 1 5.25% $14,875
    Arvest Bank 1 6.88% $7,510
    Bank of England 1 6.75% $2,697
    Barrington Bank & Trust Company, N.A. 1 5.75% $2,183
    CARDINAL FINANCIAL 1 6.25% $10,942
    CORNERSTONE HOME LENDING, INC. 1 7.25% $5,751
    Countybank 1 5.63% $2,040
    Credence Funding Corporation 1 4.99% $12,978
    EASTMAN 1 7.38% $3,933
    First Federal Bank 1 5.63% $17,190
    Flagstar Bank, FSB 1 4.75% $14,913
    INTERCOASTAL MORTGAGE COMPANY 1 5.75% $5,890
    LADERA LENDING, INC. 1 6.25% $8,493
    ACOPIA, LLC 1 6.50% $1,306
    LOANDEPOT.COM, LLC 1 5.99% $11,938
    LOANPAL, LLC 1 6.13% $12,888
    MORTGAGE INVESTORS GROUP, INC. 1 5.75% $0
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 4.99% $3,134
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.75% $15,522
    STOCKTON MORTGAGE CORPORATION 1 6.25% $10,059
    The Freedom Bank of Virginia 1 5.25% $4,947
    USAA Federal Savings Bank 1 7.50% $2,146

    The top Greeneville VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 23 VA loans originated. Their average total fees are $7,528, which is $3,082 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Greeneville VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,446), UNITED WHOLESALE MORTGAGE, LLC ($7,528), .

    The lowest rate Greeneville VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.92%), Mortgage Research Center, LLC (6.51%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Greeneville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $179,900 (19.9%) $259,815 (16.8%) 0.00 265
    2018-02-01 $179,950 (20.1%) $271,331 (19.0%) 0.00 258
    2018-03-01 $189,900 (22.9%) $268,117 (11.3%) 0.00 253
    2018-04-01 $186,450 (13.1%) $261,846 (5.4%) 0.00 256
    2018-05-01 $189,925 (8.6%) $264,260 (3.8%) 0.00 266
    2018-06-01 $179,900 (4.9%) $253,554 (2.5%) 0.00 284
    2018-07-01 $178,675 (-3.2%) $251,808 (0.7%) 0.00 292
    2018-08-01 $179,900 (1.4%) $250,184 (1.1%) 0.00 296
    2018-09-01 $179,900 (2.9%) $248,359 (1.3%) 0.00 305
    2018-10-01 $171,400 (-2.2%) $235,734 (-5.7%) 0.00 293
    2018-11-01 $169,900 (-5.6%) $231,429 (-10.1%) 0.00 291
    2018-12-01 $169,900 (-5.3%) $233,540 (-10.2%) 0.00 275
    2019-01-01 $169,900 (-5.6%) $235,543 (-9.3%) 0.00 262
    2019-02-01 $165,575 (-8.0%) $231,885 (-14.5%) 0.00 269
    2019-03-01 $178,471 (-6.0%) $243,374 (-9.2%) 0.00 263
    2019-04-01 $194,449 (4.3%) $258,073 (-1.4%) 0.00 252
    2019-05-01 $198,000 (4.3%) $254,077 (-3.9%) 0.00 256
    2019-06-01 $209,900 (16.7%) $262,799 (3.7%) 0.00 259
    2019-07-01 $211,850 (18.6%) $262,854 (4.4%) 0.00 252
    2019-08-01 $195,536 (8.7%) $256,298 (2.4%) 0.00 255
    2019-09-01 $186,741 (3.8%) $250,989 (1.1%) 0.00 254
    2019-10-01 $183,377 (7.0%) $247,176 (4.9%) 0.00 253
    2019-11-01 $184,900 (8.8%) $251,126 (8.5%) 0.00 249
    2019-12-01 $184,975 (8.9%) $256,637 (9.9%) 0.00 236
    2020-01-01 $186,200 (9.6%) $257,378 (9.3%) 0.00 210
    2020-02-01 $209,900 (26.8%) $260,457 (12.3%) 0.00 203
    2020-03-01 $225,550 (26.4%) $283,798 (16.6%) 0.00 167
    2020-04-01 $239,950 (23.4%) $313,772 (21.6%) 0.00 161
    2020-05-01 $248,900 (25.7%) $319,164 (25.6%) 0.00 141
    2020-06-01 $247,425 (17.9%) $323,810 (23.2%) 0.00 133
    2020-07-01 $242,175 (14.3%) $315,434 (20.0%) 0.00 114
    2020-08-01 $234,900 (20.1%) $313,255 (22.2%) 0.00 113
    2020-09-01 $233,750 (25.2%) $320,170 (27.6%) 0.00 92
    2020-10-01 $234,500 (27.9%) $324,516 (31.3%) 0.00 96
    2020-11-01 $244,900 (32.5%) $321,246 (27.9%) 0.00 105
    2020-12-01 $229,900 (24.3%) $330,662 (28.8%) 0.00 100
    2021-01-01 $229,900 (23.5%) $329,389 (28.0%) 0.00 98
    2021-02-01 $288,100 (37.3%) $390,912 (50.1%) 0.00 69
    2021-03-01 $278,550 (23.5%) $390,798 (37.7%) 0.00 65
    2021-04-01 $296,975 (23.8%) $421,639 (34.4%) 0.00 68
    2021-05-01 $271,000 (8.9%) $397,234 (24.5%) 0.00 89
    2021-06-01 $296,800 (20.0%) $423,302 (30.7%) 0.00 98
    2021-07-01 $299,900 (23.8%) $418,060 (32.5%) 0.00 114
    2021-08-01 $284,900 (21.3%) $404,585 (29.2%) 0.00 108
    2021-09-01 $269,975 (15.5%) $382,778 (19.6%) 0.00 105
    2021-10-01 $249,900 (6.6%) $386,876 (19.2%) 0.00 107
    2021-11-01 $282,450 (15.3%) $384,082 (19.6%) 0.00 100
    2021-12-01 $256,950 (11.8%) $404,021 (22.2%) 0.00 83
    2022-01-01 $304,450 (32.4%) $424,356 (28.8%) 0.00 69
    2022-02-01 $346,175 (20.2%) $453,172 (15.9%) 0.00 62
    2022-03-01 $361,200 (29.7%) $475,879 (21.8%) 0.00 56
    2022-04-01 $329,900 (11.1%) $422,408 (0.2%) 0.00 61
    2022-05-01 $289,450 (6.8%) $379,216 (-4.5%) 0.00 77
    2022-06-01 $333,725 (12.4%) $406,723 (-3.9%) 0.00 92
    2022-07-01 $334,950 (11.7%) $406,160 (-2.9%) 0.00 100
    2022-08-01 $339,475 (19.2%) $406,009 (0.4%) 0.00 109
    2022-09-01 $349,900 (29.6%) $404,597 (5.7%) 0.00 136
    2022-10-01 $348,450 (39.4%) $404,000 (4.4%) 0.00 152
    2022-11-01 $349,900 (23.9%) $398,965 (3.9%) 0.00 154
    2022-12-01 $349,900 (36.2%) $406,914 (0.7%) 0.00 148
    2023-01-01 $356,175 (17.0%) $420,045 (-1.0%) 0.00 143
    2023-02-01 $354,900 (2.5%) $433,592 (-4.3%) 0.00 124
    2023-03-01 $356,453 (-1.3%) $442,336 (-7.1%) 0.00 120
    2023-04-01 $369,900 (12.1%) $517,911 (22.6%) 0.00 117
    2023-05-01 $362,400 (25.2%) $493,689 (30.2%) 0.00 125
    2023-06-01 $365,925 (9.7%) $489,640 (20.4%) 0.00 143
    2023-07-01 $399,000 (19.1%) $524,369 (29.1%) 0.00 145
    2023-08-01 $388,725 (14.5%) $522,558 (28.7%) 0.00 156
    2023-09-01 $384,950 (10.0%) $552,188 (36.5%) 0.00 142
    2023-10-01 $349,900 (0.4%) $514,039 (27.2%) 0.00 149
    2023-11-01 $339,000 (-3.1%) $475,170 (19.1%) 0.00 152
    2023-12-01 $329,450 (-5.8%) $472,563 (16.1%) 0.00 154
    2024-01-01 $344,450 (-3.3%) $449,899 (7.1%) 0.00 133
    2024-02-01 $343,750 (-3.1%) $462,058 (6.6%) 0.00 118
    2024-03-01 $349,900 (-1.8%) $456,848 (3.3%) 0.00 128
    2024-04-01 $349,900 (-5.4%) $465,370 (-10.1%) 0.00 130
    2024-05-01 $324,700 (-10.4%) $477,138 (-3.4%) 0.00 166
    2024-06-01 $329,900 (-9.8%) $473,801 (-3.2%) 0.00 179
    2024-07-01 $318,700 (-20.1%) $441,384 (-15.8%) 0.00 220
    2024-08-01 $310,000 (-20.3%) $443,566 (-15.1%) 0.00 246
    2024-09-01 $324,200 (-15.8%) $459,214 (-16.8%) 0.00 228
    2024-10-01 $324,325 (-7.3%) $458,156 (-10.9%) 0.00 230
    2024-11-01 $335,000 (-1.2%) $462,226 (-2.7%) 0.00 254
    2024-12-01 $329,900 (0.1%) $448,441 (-5.1%) 0.00 244
    2025-01-01 $338,225 (-1.8%) $425,542 (-5.4%) 0.00 226
    2025-02-01 $332,450 (-3.3%) $416,676 (-9.8%) 0.00 226
    2025-03-01 $330,000 (-5.7%) $427,912 (-6.3%) 0.00 230
    Greeneville's median listing price for 2025-03-01 was $330,000, a difference of $-19,900 (-5.7%) versus the prior year and $-2,450 versus the prior month.

    Greeneville's median listing price comes in at 0% of the national average.

    Greeneville's average listing price for 2025-03-01 was $427,912, a difference of $-28,936 (-6.3%) versus the prior year and $11,236 versus the prior month.

    For the 2025-03-01 period, Greeneville had 230 MLS listings, a difference of 4 listings (2%) versus the prior month and 102 listings (80%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Greeneville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,068 sqft
    2018-02-01 0 days 2,029 sqft
    2018-03-01 0 days 2,005 sqft
    2018-04-01 0 days 1,989 sqft
    2018-05-01 0 days 1,951 sqft
    2018-06-01 0 days 1,894 sqft
    2018-07-01 0 days 1,926 sqft
    2018-08-01 0 days 1,972 sqft
    2018-09-01 0 days 2,000 sqft
    2018-10-01 0 days 1,984 sqft
    2018-11-01 0 days 1,884 sqft
    2018-12-01 0 days 1,923 sqft
    2019-01-01 0 days 1,850 sqft
    2019-02-01 0 days 1,861 sqft
    2019-03-01 0 days 1,925 sqft
    2019-04-01 0 days 2,053 sqft
    2019-05-01 0 days 2,061 sqft
    2019-06-01 0 days 2,047 sqft
    2019-07-01 0 days 2,048 sqft
    2019-08-01 0 days 1,973 sqft
    2019-09-01 0 days 1,900 sqft
    2019-10-01 0 days 1,837 sqft
    2019-11-01 0 days 1,924 sqft
    2019-12-01 0 days 1,917 sqft
    2020-01-01 0 days 1,929 sqft
    2020-02-01 0 days 1,833 sqft
    2020-03-01 0 days 1,966 sqft
    2020-04-01 0 days 2,062 sqft
    2020-05-01 0 days 2,042 sqft
    2020-06-01 0 days 2,063 sqft
    2020-07-01 0 days 2,040 sqft
    2020-08-01 0 days 2,009 sqft
    2020-09-01 0 days 1,888 sqft
    2020-10-01 0 days 1,935 sqft
    2020-11-01 0 days 1,904 sqft
    2020-12-01 0 days 1,876 sqft
    2021-01-01 0 days 1,717 sqft
    2021-02-01 0 days 2,014 sqft
    2021-03-01 0 days 2,007 sqft
    2021-04-01 0 days 1,923 sqft
    2021-05-01 0 days 1,852 sqft
    2021-06-01 0 days 1,859 sqft
    2021-07-01 0 days 1,871 sqft
    2021-08-01 0 days 1,783 sqft
    2021-09-01 0 days 1,743 sqft
    2021-10-01 0 days 1,788 sqft
    2021-11-01 0 days 1,811 sqft
    2021-12-01 0 days 1,757 sqft
    2022-01-01 0 days 1,856 sqft
    2022-02-01 0 days 2,119 sqft
    2022-03-01 0 days 2,046 sqft
    2022-04-01 0 days 1,858 sqft
    2022-05-01 0 days 1,812 sqft
    2022-06-01 0 days 1,884 sqft
    2022-07-01 0 days 1,783 sqft
    2022-08-01 0 days 1,800 sqft
    2022-09-01 0 days 1,700 sqft
    2022-10-01 0 days 1,738 sqft
    2022-11-01 0 days 1,800 sqft
    2022-12-01 0 days 1,810 sqft
    2023-01-01 0 days 1,849 sqft
    2023-02-01 0 days 1,985 sqft
    2023-03-01 0 days 1,932 sqft
    2023-04-01 0 days 1,947 sqft
    2023-05-01 0 days 1,842 sqft
    2023-06-01 0 days 1,805 sqft
    2023-07-01 0 days 1,931 sqft
    2023-08-01 0 days 1,936 sqft
    2023-09-01 0 days 1,792 sqft
    2023-10-01 0 days 1,742 sqft
    2023-11-01 0 days 1,731 sqft
    2023-12-01 0 days 1,690 sqft
    2024-01-01 0 days 1,679 sqft
    2024-02-01 0 days 1,720 sqft
    2024-03-01 0 days 1,797 sqft
    2024-04-01 0 days 1,788 sqft
    2024-05-01 0 days 1,773 sqft
    2024-06-01 0 days 1,695 sqft
    2024-07-01 0 days 1,692 sqft
    2024-08-01 0 days 1,694 sqft
    2024-09-01 0 days 1,716 sqft
    2024-10-01 0 days 1,700 sqft
    2024-11-01 0 days 1,756 sqft
    2024-12-01 0 days 1,758 sqft
    2025-01-01 0 days 1,690 sqft
    2025-02-01 0 days 1,691 sqft
    2025-03-01 0 days 1,728 sqft
    Greeneville's median listing age (time on market) for 2025-03-01 was 0 days.

    Greeneville's median square footage for active listings during the 2025-03-01 period was 1,728 sqft. One year prior, the average listing was 1,797 sqft.

    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.