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 6.98% for the week of 2025-06-27, compared to the national average (all VA variants) of 6.336% for the same period.

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

    The average rate for the prior week (2025-06-20) was 6.87% and one month ago for the week of 2025-05-23, the average rate was 7.25%.

    The average rate one year ago was 6.77%.

    For refis of the same type during the week of 2025-06-27, the average rate was 6.13%.

    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%), .

    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.