Greenville VA Loan Rates, Closing Costs & Stats

GREENVILLE-ANDERSON, SC

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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.

    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 6.89% for the week of 2024-04-19, compared to the national average (all VA variants) of 6.758% for the same period.

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

    The average rate for the prior week (2024-04-12) was 6.62% and one month ago for the week of 2024-03-15, the average rate was 6.28%.

    The average rate one year ago was 5.97%.

    For refis of the same type during the week of 2024-04-19, the average rate was 7.29%.

    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.