Greenville VA Loan Rates, Closing Costs & Stats

GREENVILLE-ANDERSON, SC

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.

Greenville's 132 lenders originated 1,285 VA loans during 2023. The total origination value was $419,525,000, with an average VA loan value of $326,479.

Greenville VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Greenville averaged 6.6% for the week of 2024-04-12, compared to the national average (all VA variants) of 6.574% for the same period.

Greenville's average VA mortgage closing costs are $5,972.

The average rate for the prior week (2024-04-05) was 6.45% and one month ago for the week of 2024-03-08, the average rate was 6.38%.

The average rate one year ago was 5.68%.

For refis of the same type during the week of 2024-04-12, the average rate was 7.4%.

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

Greenville 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 Greenville level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Mortgage Research Center, LLC 181 6.69% $7,350
QUICKEN LOANS, LLC 87 6.25% $11,953
DHI MORTGAGE COMPANY, LTD. 72 5.38% $6,507
UNITED WHOLESALE MORTGAGE, LLC 67 6.24% $9,425
NAVY FEDERAL CREDIT UNION 52 5.78% $6,403
NVR Mortgage Finance, Inc. 47 5.41% $6,060
LOANDEPOT.COM, LLC 41 5.75% $11,252
PRIMELENDING, A PLAINSCAPITAL COMPANY 36 6.21% $7,929
MOVEMENT MORTGAGE, LLC 31 6.55% $7,694
FREEDOM MORTGAGE CORPORATION 30 6.58% $16,569
CROSSCOUNTRY MORTGAGE, LLC 28 6.82% $8,972
USAA Federal Savings Bank 24 6.09% $8,077
FBC MORTGAGE, LLC 24 5.54% $5,552
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 23 6.73% $7,234
PENNYMAC LOAN SERVICES, LLC 23 5.56% $9,271
EAGLE HOME MORTGAGE, LLC 22 6.29% $2,982
ACOPIA, LLC 22 6.37% $5,872
CARDINAL FINANCIAL 19 6.84% $13,730
ON Q FINANCIAL, INC. 17 6.49% $8,009
The Federal Savings Bank 17 6.23% $17,314
HOMESIDE FINANCIAL, LLC 14 6.90% $8,539
NEW DAY FINANCIAL, LLC 14 7.89% $14,860
American Mortgage & Equity Consultants, Inc. 12 6.32% $6,166
Mr. Cooper ( Nationstar Mortgage ) 12 6.02% $15,277
MORTGAGE SOLUTIONS OF COLORADO, LLC 12 7.28% $4,194
VILLAGE CAPITAL MORTGAGE 10 6.23% $10,800
NEWREZ LLC 10 6.58% $11,797
Sierra Pacific Mortgage Company, Inc. 10 6.06% $7,984
Ameris Bank 9 6.83% $5,181
GUILD MORTGAGE COMPANY 9 6.49% $6,375
Renasant Bank 9 6.01% $5,754
VANDERBILT MORTGAGE AND FINANCE, INC. 8 6.30% $4,526
ARK-LA-TEX FINANCIAL SERVICES, LLC. 8 6.34% $12,693
Magnolia Bank 7 6.43% $13,664
Barrington Bank & Trust Company, N.A. 7 5.98% $12,511
BROKER SOLUTIONS, INC. 7 6.29% $7,978
PENTAGON FEDERAL CREDIT UNION 7 5.96% $6,452
Paramount Residential Mortgage Group, Inc. 7 6.25% $8,497
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 7 6.39% $6,616
Wells Fargo Bank 6 5.79% $5,010
CMG MORTGAGE, INC. 6 6.40% $8,440
AMERICAN PACIFIC MORTGAGE CORPORATION 6 6.40% $10,273
Southern First Bank 6 6.58% $7,289
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 5 7.33% $7,512
Countybank 5 7.18% $7,754
GUARANTEED RATE, INC. 5 6.31% $6,219
Truist 4 6.36% $7,147
GENEVA FINANCIAL, LLC 4 6.75% $9,729
CORNERSTONE HOME LENDING, INC. 4 6.00% $2,784
First Heritage Mortgage, LLC 4 6.34% $10,494
HOMEOWNERS FINANCIAL GROUP USA, LLC 4 6.84% $10,160
First Reliance Bank 4 6.63% $10,343
NBKC BANK 3 5.67% $5,649
PLAZA HOME MORTGAGE, INC. 3 6.50% $12,728
MUTUAL OF OMAHA MORTGAGE, INC. 3 6.58% $9,835
Atlantic Coast Mortgage, LLC 3 7.16% $8,444
VERITAS FUNDING, LLC 3 6.21% $23,675
Mid-Continent Funding, Inc. 3 6.79% $8,681
Equity Prime Mortgage LLC 3 7.25% $12,063
Flagstar Bank, FSB 3 7.17% $7,456
Century Mortgage Company DBA Century Lending Company 3 6.29% $12,057
UNION HOME MORTGAGE CORP. 3 6.92% $7,471
AMERICAN FINANCIAL NETWORK, INC. 3 6.50% $5,219
RESOURCE FINANCIAL SERVICES, INC. 3 6.79% $11,105
Network Funding, L.P. 3 6.62% $8,475
TBI MORTGAGE COMPANY 2 5.75% $5,882
Alcova Mortgage LLC 2 7.56% $14,897
AMERISAVE MORTGAGE CORPORATION 2 4.75% $30,997
BANKSOUTH MORTGAGE COMPANY, LLC 2 5.93% $6,730
BAY EQUITY LLC 2 6.69% $6,968
CHURCHILL MORTGAGE CORPORATION 2 6.63% $8,301
CRESCENT MORTGAGE COMPANY 2 6.75% $3,685
First-Citizens Bank & Trust Company 2 6.13% $4,363
FIRST INTEGRITY MORTGAGE SERVICES, INC. 2 7.50% $6,368
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 7.13% $6,796
GUARANTEED RATE AFFINITY, LLC 2 6.13% $3,753
INSPIRE HOME LOANS INC. 2 6.63% $1,195
MICHIGAN MUTUAL, INC. 2 5.13% $16,755
MORTGAGEONE, INC. 2 7.06% $1,478
M&T Bank 2 6.00% $6,763
NEW FED MORTGAGE, CORP. 2 6.75% $5,803
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.19% $5,130
South State Bank 2 6.75% $4,399
SUN WEST MORTGAGE COMPANY, INC. 2 6.81% $12,986
LADERA LENDING, INC. 1 5.63% $18,199
OPEN MORTGAGE, LLC 1 6.13% $6,682
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.13% $18,757
KELLER MORTGAGE, LLC 1 5.50% $6,346
JPMorgan Chase Bank 1 5.50% $12,678
INTERCOASTAL MORTGAGE COMPANY 1 5.50% $2,039
Pinnacle Bank 1 6.63% $14,694
HOWARD HANNA FINANCIAL SERVICES, INC. 1 6.13% $10,893
PNC Bank 1 6.25% $15,324
POLARIS HOME FUNDING CORP. 1 7.13% $13,870
Presidential Bank, FSB 1 5.63% $5,789
Bank of England 1 7.25% $10,950
HOMESTAR FINANCIAL CORPORATION 1 7.25% $6,865
Princeton Mortgage Corporation 1 6.88% $12,284
GoPrime Mortgage, Inc. 1 6.38% $6,501
RAPID MORTGAGE COMPANY 1 6.75% $6,096
Florida Capital Bank 1 6.75% $12,072
First Federal Bank 1 5.38% $13,159
ROSS MORTGAGE CORPORATION 1 5.88% $10,133
ROYAL UNITED MORTGAGE LLC 1 5.88% $19,818
SeaTrust Mortgage Company 1 5.75% $15,090
ServisFirst Bank 1 5.75% $7,648
FIRST COMMUNITY MORTGAGE, INC. 1 5.75% $7,627
SIRVA MORTGAGE, INC. 1 5.88% $4,904
EQUITY RESOURCES, INC. 1 6.50% $1,778
SOUTHPOINT FINANCIAL SERVICES, INC. 1 7.63% $14,440
Arbor Bank 1 6.75% $5,022
SOUTHWEST STAGE FUNDING, LLC 1 6.88% $905
STOCKTON MORTGAGE CORPORATION 1 7.25% $4,784
ALLIED MORTGAGE GROUP, INC. 1 6.63% $2,885
Synovus Bank 1 5.75% $6,169
ACADEMY MORTGAGE CORPORATION 1 5.75% $24,355
The Central Trust Bank 1 5.25% $3,100
CONTOUR MORTGAGE CORPORATION 1 6.75% $13,916
TOP FLITE FINANCIAL, INC. 1 6.75% $12,386
Towne Bank 1 6.13% $10,811
TOWNE MORTGAGE COMPANY 1 7.25% $17,121
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.63% $7,730
Truliant Federal Credit Union 1 6.75% $10,013
Carrington Mortgage Services, LLC 1 5.75% $4,239
CALIBER HOME LOANS, INC. 1 6.25% $21,558
University Bank 1 6.13% $6,496
CALCON MUTUAL MORTGAGE LLC 1 5.38% $14,767
U.S. Bank 1 4.99% $14,854
Blue Ridge Bank 1 6.99% $3,585
MILEND, INC. 1 7.00% $26,031
NFM, INC. 1 7.63% $14,100
MID AMERICA MORTGAGE, INC. 1 8.13% $4,478

The top Greenville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 181 VA loans originated. Their average total fees are $7,350, which is $4,603 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Greenville VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($2,982), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,194), FBC MORTGAGE, LLC ($5,552), ACOPIA, LLC ($5,872) and NVR Mortgage Finance, Inc. ($6,060).

The lowest rate Greenville VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.38%), NVR Mortgage Finance, Inc. (5.41%), FBC MORTGAGE, LLC (5.54%), PENNYMAC LOAN SERVICES, LLC (5.56%) and LOANDEPOT.COM, LLC (5.75%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Greenville (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 $269,410 (3.8%) $352,368 (1.6%) 1.00 3,079
2018-02-01 $269,950 (3.9%) $366,949 (5.6%) 0.98 3,082
2018-03-01 $274,850 (3.7%) $370,402 (4.4%) 0.96 3,137
2018-04-01 $275,150 (2.5%) $375,675 (3.3%) 0.93 3,263
2018-05-01 $274,600 (1.7%) $379,079 (4.8%) 0.92 3,371
2018-06-01 $278,711 (1.5%) $383,191 (4.5%) 0.93 3,455
2018-07-01 $275,000 (0.0%) $378,803 (3.0%) 0.92 3,471
2018-08-01 $273,950 (0.1%) $380,093 (3.8%) 0.92 3,443
2018-09-01 $265,452 (-1.7%) $374,424 (3.6%) 0.89 3,561
2018-10-01 $263,910 (-2.2%) $372,107 (1.9%) 0.89 3,616
2018-11-01 $264,700 (-1.9%) $374,014 (2.4%) 0.90 3,532
2018-12-01 $260,000 (-3.4%) $366,897 (1.8%) 0.90 3,426
2019-01-01 $264,675 (-1.8%) $368,479 (4.6%) 0.91 3,228
2019-02-01 $264,790 (-1.9%) $369,569 (0.7%) 0.89 3,146
2019-03-01 $275,814 (0.4%) $379,834 (2.6%) 0.90 3,069
2019-04-01 $284,575 (3.4%) $389,534 (3.7%) 0.90 3,032
2019-05-01 $286,007 (4.2%) $395,112 (4.2%) 0.89 3,188
2019-06-01 $284,777 (2.2%) $396,193 (3.4%) 0.89 3,329
2019-07-01 $280,746 (2.1%) $400,490 (5.7%) 0.88 3,512
2019-08-01 $278,636 (1.7%) $397,866 (4.7%) 0.88 3,504
2019-09-01 $276,591 (4.2%) $393,610 (5.1%) 0.89 3,503
2019-10-01 $275,227 (4.3%) $391,577 (5.2%) 0.89 3,490
2019-11-01 $274,900 (3.9%) $393,132 (5.1%) 0.90 3,392
2019-12-01 $269,900 (3.8%) $386,736 (5.4%) 0.90 3,206
2020-01-01 $269,713 (1.9%) $386,124 (4.8%) 0.90 3,063
2020-02-01 $276,500 (4.4%) $400,282 (8.3%) 0.91 2,891
2020-03-01 $279,900 (1.5%) $408,366 (7.5%) 0.88 2,902
2020-04-01 $279,948 (-1.6%) $405,230 (4.0%) 0.88 3,000
2020-05-01 $285,945 (0.0%) $418,816 (6.0%) 0.87 2,910
2020-06-01 $298,081 (4.7%) $434,790 (9.7%) 0.88 2,572
2020-07-01 $290,000 (3.3%) $432,670 (8.0%) 0.84 2,471
2020-08-01 $290,500 (4.3%) $441,344 (10.9%) 0.83 2,310
2020-09-01 $290,278 (5.0%) $445,756 (13.3%) 0.83 2,131
2020-10-01 $284,845 (3.5%) $431,507 (10.2%) 0.82 2,102
2020-11-01 $279,900 (1.8%) $417,233 (6.1%) 0.82 2,104
2020-12-01 $276,745 (2.5%) $411,745 (6.5%) 0.82 1,948
2021-01-01 $277,323 (2.8%) $418,833 (8.5%) 0.83 1,699
2021-02-01 $283,745 (2.6%) $432,977 (8.2%) 0.83 1,466
2021-03-01 $296,320 (5.9%) $454,798 (11.4%) 0.84 1,246
2021-04-01 $312,425 (11.6%) $479,286 (18.3%) 0.85 1,098
2021-05-01 $304,618 (6.5%) $498,294 (19.0%) 0.81 1,007
2021-06-01 $319,000 (7.0%) $501,274 (15.3%) 0.84 1,071
2021-07-01 $318,876 (10.0%) $491,126 (13.5%) 0.84 1,254
2021-08-01 $341,775 (17.7%) $511,640 (15.9%) 0.91 1,304
2021-09-01 $347,576 (19.7%) $515,943 (15.8%) 0.93 1,308
2021-10-01 $335,783 (17.9%) $506,234 (17.3%) 0.90 1,309
2021-11-01 $330,000 (17.9%) $505,112 (21.1%) 0.88 1,241
2021-12-01 $330,358 (19.4%) $500,326 (21.5%) 0.89 1,182
2022-01-01 $329,000 (18.6%) $499,531 (19.3%) 0.89 1,035
2022-02-01 $345,000 (21.6%) $509,991 (17.8%) 0.90 862
2022-03-01 $342,425 (15.6%) $510,853 (12.3%) 0.86 821
2022-04-01 $353,655 (13.2%) $511,866 (6.8%) 0.84 860
2022-05-01 $356,787 (17.1%) $509,279 (2.2%) 0.82 1,101
2022-06-01 $355,787 (11.5%) $491,691 (-1.9%) 0.79 1,383
2022-07-01 $354,900 (11.3%) $488,240 (-0.6%) 0.80 1,787
2022-08-01 $352,541 (3.2%) $487,079 (-4.8%) 0.82 1,931
2022-09-01 $349,925 (0.7%) $479,157 (-7.1%) 0.82 2,037
2022-10-01 $345,788 (3.0%) $477,076 (-5.8%) 0.81 2,286
2022-11-01 $342,706 (3.9%) $475,314 (-5.9%) 0.82 2,425
2022-12-01 $339,900 (2.9%) $471,825 (-5.7%) 0.84 2,262
2023-01-01 $336,950 (2.4%) $462,757 (-7.4%) 0.83 2,050
2023-02-01 $335,900 (-2.6%) $465,163 (-8.8%) 0.81 1,986
2023-03-01 $336,975 (-1.6%) $474,638 (-7.1%) 0.79 1,902
2023-04-01 $348,900 (-1.3%) $511,321 (-0.1%) 0.81 1,740
2023-05-01 $349,950 (-1.9%) $523,783 (2.9%) 0.79 1,733
2023-06-01 $352,450 (-0.9%) $538,858 (9.6%) 0.79 1,793
2023-07-01 $357,500 (0.7%) $531,305 (8.8%) 0.81 1,879
2023-08-01 $351,750 (-0.2%) $519,384 (6.6%) 0.81 1,974
2023-09-01 $359,900 (2.9%) $527,281 (10.0%) 0.84 2,038
2023-10-01 $359,950 (4.1%) $524,147 (9.9%) 0.85 2,187
2023-11-01 $362,350 (5.7%) $532,633 (12.1%) 0.86 2,234
2023-12-01 $359,000 (5.6%) $527,612 (11.8%) 0.88 2,121
2024-01-01 $358,651 (6.4%) $526,132 (13.7%) 0.88 2,079
2024-02-01 $357,125 (6.3%) $512,741 (10.2%) 0.86 2,017
2024-03-01 $355,000 (5.4%) $508,729 (7.2%) 0.84 2,121
Greenville's median listing price for 2024-03-01 was $355,000, a difference of $18,025 (5.4%) versus the prior year and $-2,125 versus the prior month.

Greenville's median listing price comes in at 84% of the national average.

Greenville's average listing price for 2024-03-01 was $508,729, a difference of $34,091 (7.2%) versus the prior year and $-4,012 versus the prior month.

For the 2024-03-01 period, Greenville had 2,121 MLS listings, a difference of 104 listings (5%) versus the prior month and 219 listings (12%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Greenville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 81 days 2,146 sqft
2018-02-01 76 days 2,149 sqft
2018-03-01 57 days 2,301 sqft
2018-04-01 52 days 2,338 sqft
2018-05-01 51 days 2,282 sqft
2018-06-01 55 days 2,266 sqft
2018-07-01 60 days 2,243 sqft
2018-08-01 65 days 2,206 sqft
2018-09-01 64 days 2,153 sqft
2018-10-01 64 days 2,131 sqft
2018-11-01 68 days 2,125 sqft
2018-12-01 77 days 2,100 sqft
2019-01-01 86 days 2,096 sqft
2019-02-01 82 days 2,077 sqft
2019-03-01 70 days 2,132 sqft
2019-04-01 56 days 2,198 sqft
2019-05-01 51 days 2,210 sqft
2019-06-01 54 days 2,183 sqft
2019-07-01 54 days 2,193 sqft
2019-08-01 57 days 2,134 sqft
2019-09-01 61 days 2,108 sqft
2019-10-01 65 days 2,094 sqft
2019-11-01 67 days 2,099 sqft
2019-12-01 77 days 2,079 sqft
2020-01-01 79 days 2,095 sqft
2020-02-01 73 days 2,117 sqft
2020-03-01 61 days 2,175 sqft
2020-04-01 60 days 2,180 sqft
2020-05-01 64 days 2,204 sqft
2020-06-01 70 days 2,238 sqft
2020-07-01 58 days 2,239 sqft
2020-08-01 52 days 2,242 sqft
2020-09-01 51 days 2,089 sqft
2020-10-01 52 days 2,050 sqft
2020-11-01 53 days 1,998 sqft
2020-12-01 59 days 1,991 sqft
2021-01-01 68 days 1,972 sqft
2021-02-01 55 days 1,919 sqft
2021-03-01 51 days 1,888 sqft
2021-04-01 50 days 1,954 sqft
2021-05-01 40 days 1,915 sqft
2021-06-01 37 days 1,916 sqft
2021-07-01 33 days 1,957 sqft
2021-08-01 37 days 2,007 sqft
2021-09-01 44 days 2,013 sqft
2021-10-01 44 days 1,944 sqft
2021-11-01 45 days 1,901 sqft
2021-12-01 49 days 1,934 sqft
2022-01-01 54 days 1,931 sqft
2022-02-01 40 days 1,956 sqft
2022-03-01 37 days 1,957 sqft
2022-04-01 34 days 1,877 sqft
2022-05-01 32 days 2,010 sqft
2022-06-01 32 days 1,949 sqft
2022-07-01 34 days 2,000 sqft
2022-08-01 41 days 1,965 sqft
2022-09-01 45 days 2,015 sqft
2022-10-01 46 days 2,142 sqft
2022-11-01 51 days 2,151 sqft
2022-12-01 64 days 2,007 sqft
2023-01-01 75 days 1,949 sqft
2023-02-01 65 days 1,914 sqft
2023-03-01 51 days 1,926 sqft
2023-04-01 47 days 2,037 sqft
2023-05-01 43 days 2,058 sqft
2023-06-01 44 days 2,076 sqft
2023-07-01 43 days 2,100 sqft
2023-08-01 44 days 2,019 sqft
2023-09-01 44 days 2,080 sqft
2023-10-01 44 days 2,081 sqft
2023-11-01 46 days 2,112 sqft
2023-12-01 56 days 2,178 sqft
2024-01-01 63 days 2,167 sqft
2024-02-01 48 days 2,135 sqft
2024-03-01 42 days 2,175 sqft
Greenville's median listing age (time on market) for 2024-03-01 was 42 days. This is -17% shorter than the same period one year ago.

Greenville's median square footage for active listings during the 2024-03-01 period was 2,175 sqft. One year prior, the average listing was 1,926 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.