Greensboro VA Loan Rates, Closing Costs & Stats

GREENSBORO-HIGH POINT, 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.

    Greensboro's 127 lenders originated 1,201 VA loans during 2024. The total origination value was $373,465,000, with an average VA loan value of $310,962.

    Greensboro VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Greensboro averaged 0.55% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Greensboro's average VA mortgage closing costs are $5,745.

    The average rate for the prior week (2025-06-13) was 7% and one month ago for the week of 2025-05-16, the average rate was 6.56%.

    The average rate one year ago was 6.66%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.42%.

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

    Greensboro 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 Greensboro level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 182 6.45% $5,406
    UNITED WHOLESALE MORTGAGE, LLC 94 5.84% $8,267
    FREEDOM MORTGAGE CORPORATION 85 6.11% $8,373
    QUICKEN LOANS, LLC 82 6.12% $10,840
    DHI MORTGAGE COMPANY, LTD. 51 5.35% $5,494
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 46 6.44% $7,968
    MOVEMENT MORTGAGE, LLC 39 6.29% $6,039
    NAVY FEDERAL CREDIT UNION 36 5.86% $5,895
    PENNYMAC LOAN SERVICES, LLC 32 5.59% $7,276
    VILLAGE CAPITAL MORTGAGE 30 5.79% $7,386
    LOANDEPOT.COM, LLC 26 5.83% $9,163
    USAA Federal Savings Bank 25 6.29% $7,180
    NEW DAY FINANCIAL, LLC 25 7.23% $9,487
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 18 6.44% $7,546
    NEWREZ LLC 17 6.22% $7,715
    UNION HOME MORTGAGE CORP. 16 6.39% $5,142
    CROSSCOUNTRY MORTGAGE, LLC 15 6.32% $10,236
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 13 6.53% $5,174
    MORTGAGE SOLUTIONS OF COLORADO, LLC 13 6.64% $6,190
    GUARANTEED RATE, INC. 13 6.00% $5,202
    Truist 12 6.06% $9,452
    The Federal Savings Bank 11 6.30% $14,916
    Barrington Bank & Trust Company, N.A. 10 6.19% $8,458
    Prosperity Home Mortgage, LLC 9 6.00% $6,703
    CLEARPATH LENDING 9 5.87% $4,867
    Mid-Continent Funding, Inc. 8 6.08% $6,671
    CMG MORTGAGE, INC. 8 6.20% $11,460
    INTERCOASTAL MORTGAGE COMPANY 8 6.44% $7,761
    HOWARD HANNA FINANCIAL SERVICES, INC. 7 6.14% $6,595
    BROKER SOLUTIONS, INC. 7 6.41% $6,793
    AMERISAVE MORTGAGE CORPORATION 7 5.29% $19,237
    Carrington Mortgage Services, LLC 6 6.00% $11,430
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.20% $8,034
    Mr. Cooper ( Nationstar Mortgage ) 5 6.38% $8,673
    Ameris Bank 5 6.30% $14,484
    Alcova Mortgage LLC 5 6.95% $4,402
    EQUITY RESOURCES, INC. 5 6.10% $4,617
    First-Citizens Bank & Trust Company 5 5.75% $5,205
    PLAZA HOME MORTGAGE, INC. 5 6.47% $13,348
    GUILD MORTGAGE COMPANY 4 6.50% $7,325
    VANDERBILT MORTGAGE AND FINANCE, INC. 4 5.31% $5,236
    HOMESIDE FINANCIAL, LLC 4 6.34% $11,338
    Renasant Bank 4 6.03% $8,722
    MUTUAL OF OMAHA MORTGAGE, INC. 4 6.59% $10,660
    Wells Fargo Bank 4 5.16% $13,177
    Wolfe Financial, Inc 4 6.56% $4,273
    RELIANCE FIRST CAPITAL, LLC 4 7.00% $8,453
    Truliant Federal Credit Union 3 6.08% $2,909
    PLANET HOME LENDING, LLC 3 5.82% $11,968
    The Fidelity Bank 3 6.54% $5,304
    U.S. Bank 3 6.08% $2,909
    CARDINAL FINANCIAL 3 5.91% $13,215
    NBKC BANK 3 5.63% $2,401
    EVERETT FINANCIAL, INC. 3 6.79% $3,089
    Atlantic Coast Mortgage, LLC 2 6.63% $5,779
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.25% $4,653
    AmeriHome Mortgage Company, LLC 2 6.00% $3,438
    AmRes Corporation 2 6.87% $7,906
    CAPITAL CENTER, L.L.C. 2 5.88% $270
    Equity Prime Mortgage LLC 2 6.56% $6,684
    First Federal Bank 2 5.75% $2,119
    LAKEVIEW LOAN SERVICING, LLC 2 6.12% $12,955
    MORTGAGEONE, INC. 2 7.50% $1,924
    NATION ONE MORTGAGE CORPORATION 2 6.75% $4,357
    NETWORK CAPITAL FUNDING CORPORATION 2 6.06% $3,218
    NFM, INC. 2 6.94% $5,715
    PENTAGON FEDERAL CREDIT UNION 2 6.31% $5,868
    PHH Mortgage Corporation 2 6.37% $8,280
    SOUTHERN TRUST MORTGAGE, LLC 2 6.63% $5,289
    SUN WEST MORTGAGE COMPANY, INC. 2 5.54% $7,956
    T2 FINANCIAL LLC 2 7.13% $6,534
    TOP FLITE FINANCIAL, INC. 2 6.81% $12,348
    American Security Mortgage Corp. 1 5.63% $9,830
    INSPIRE HOME LOANS INC. 1 6.13% $1,195
    HOMESTEAD FUNDING CORP. 1 7.13% $18,379
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.25% $3,552
    GREENSTATE CREDIT UNION 1 5.75% $640
    GoPrime Mortgage, Inc. 1 6.50% $11,592
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.13% $3,878
    Paramount Residential Mortgage Group, Inc. 1 6.50% $4,644
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.25% $4,972
    VERITAS FUNDING, LLC 1 6.75% $10,851
    Victorian Finance, LLC 1 6.75% $4,152
    Flagstar Bank, FSB 1 6.00% $4,433
    First National Bank of Pennsylvania 1 5.63% $3,771
    Presidential Bank, FSB 1 5.25% $10,478
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.75% $22,620
    First Bank 1 6.12% $7,718
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.63% $8,349
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.49% $7,457
    ENVOY MORTGAGE, LTD 1 6.25% $8,533
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 5.99% $8,289
    RESOURCE FINANCIAL SERVICES, INC. 1 6.13% $15,316
    ROYAL UNITED MORTGAGE LLC 1 7.25% $14,660
    SeaTrust Mortgage Company 1 6.13% $5,824
    Sierra Pacific Mortgage Company, Inc. 1 5.75% $6,097
    SOUTH CENTRAL BANK, INC. 1 6.50% $2,384
    Southern First Bank 1 6.75% $2,720
    AMERICAN FINANCING CORPORATION 1 5.63% $11,758
    SOVEREIGN LENDING GROUP INCORPORATED 1 5.75% $2,852
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.50% $10,311
    SUMMIT FUNDING, INC. 1 6.13% $9,931
    AMERICAN FINANCIAL NETWORK, INC. 1 5.75% $2,083
    ALLIED MORTGAGE GROUP, INC. 1 6.25% $6,091
    TD Bank 1 6.50% $644
    Texana Bank 1 8.13% $21,620
    EMBRACE HOME LOANS, INC. 1 6.38% $11,791
    Corporate Investors Mortgage Group, Inc. 1 6.13% $9,371
    The Loan Store, Inc. 1 5.63% $3,195
    TIDEWATER MORTGAGE SERVICES, INC. 1 6.75% $4,615
    TJC Mortgage, Inc. 1 6.63% $8,553
    ZILLOW HOME LOANS, LLC 1 6.50% $15,109
    TOWNE MORTGAGE COMPANY 1 5.99% $7,373
    Towne Mortgage of the Carolinas, LLC 1 5.63% $6,016
    CORNERSTONE HOME LENDING, INC. 1 6.63% $24,778
    Citizens Bank 1 6.00% $7,720
    Blue Ridge Bank 1 6.13% $8,276
    Magnolia Bank 1 5.75% $8,990
    MICHIGAN MUTUAL, INC. 1 6.75% $5,923
    LOANPAL, LLC 1 6.13% $3,545
    MILEND, INC. 1 7.25% $9,153
    Arvest Bank 1 5.88% $9,548
    LOANFLIGHT LENDING, LLC 1 6.75% $5,643
    LADERA LENDING, INC. 1 7.25% $9,320
    JMAC LENDING, INC. 1 6.25% $3,024
    JET HOMELOANS, LLC 1 5.99% $3,553
    Ixonia Bank 1 6.75% $5,420

    The top Greensboro VA lender as defined by loan originations is Mortgage Research Center, LLC, with 182 VA loans originated. Their average total fees are $5,406, which is $2,861 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Greensboro VA lenders (with over 10 loans originated) are UNION HOME MORTGAGE CORP. ($5,142), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,174), GUARANTEED RATE, INC. ($5,202), Mortgage Research Center, LLC ($5,406) and DHI MORTGAGE COMPANY, LTD. ($5,494).

    The lowest rate Greensboro VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.35%), PENNYMAC LOAN SERVICES, LLC (5.59%), VILLAGE CAPITAL MORTGAGE (5.79%), LOANDEPOT.COM, LLC (5.83%) and UNITED WHOLESALE MORTGAGE, LLC (5.84%).

    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.