Greenville VA Loan Rates, Closing Costs & Stats

GREENVILLE, 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.

    Greenville's 69 lenders originated 359 VA loans during 2024. The total origination value was $105,305,000, with an average VA loan value of $293,329.

    Greenville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Greenville averaged 6.16% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Greenville's average VA mortgage closing costs are $5,409.

    The average rate for the prior week (2025-03-28) was 6.48% and one month ago for the week of 2025-02-28, the average rate was 6.16%.

    The average rate one year ago was 6.47%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.49%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 47 6.49% $5,508
    DHI MORTGAGE COMPANY, LTD. 30 5.01% $5,931
    QUICKEN LOANS, LLC 29 6.32% $10,616
    FREEDOM MORTGAGE CORPORATION 22 6.19% $5,160
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 17 6.12% $8,208
    NAVY FEDERAL CREDIT UNION 17 6.05% $4,590
    PENNYMAC LOAN SERVICES, LLC 14 5.54% $6,898
    UNITED WHOLESALE MORTGAGE, LLC 14 6.02% $7,499
    American Security Mortgage Corp. 13 6.15% $6,609
    VILLAGE CAPITAL MORTGAGE 11 5.70% $5,997
    Towne Bank 10 6.53% $7,523
    Truist 7 6.06% $6,295
    NEW DAY FINANCIAL, LLC 7 7.67% $11,066
    USAA Federal Savings Bank 6 6.15% $9,480
    Alcova Mortgage LLC 6 6.15% $4,266
    LOANDEPOT.COM, LLC 6 6.23% $8,101
    Equity Prime Mortgage LLC 5 6.48% $3,391
    NEWREZ LLC 5 6.55% $4,593
    Mid-Continent Funding, Inc. 4 6.25% $6,223
    SUCCESS MORTGAGE PARTNERS, INC. 4 6.34% $9,353
    GUILD MORTGAGE COMPANY 3 6.54% $4,253
    INSPIRE HOME LOANS INC. 3 5.79% $8,094
    Integrity Home Mortgage Corp 3 6.75% $8,363
    FBC MORTGAGE, LLC 3 6.08% $7,022
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 8.04% $2,486
    The Federal Savings Bank 2 6.19% $17,562
    First-Citizens Bank & Trust Company 2 5.63% $4,587
    Southern Bank and Trust Company 2 6.19% $6,705
    JPMorgan Chase Bank 2 6.25% $4,195
    MOVEMENT MORTGAGE, LLC 2 6.50% $3,643
    NFM, INC. 2 6.13% $9,240
    TIDEWATER MORTGAGE SERVICES, INC. 2 6.38% $9,480
    SUMMIT FUNDING, INC. 1 7.13% $3,674
    SUN WEST MORTGAGE COMPANY, INC. 1 5.87% $3,245
    The Central Trust Bank 1 6.13% $6,063
    UNION HOME MORTGAGE CORP. 1 5.75% $18,344
    Wells Fargo Bank 1 5.75% $16,027
    Nations Lending Corporation 1 5.75% $12,137
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.50% $2,255
    AMERICAN FINANCIAL NETWORK, INC. 1 5.50% $10,223
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.00% $3,101
    Barrington Bank & Trust Company, N.A. 1 7.75% $2,338
    BM Real Estate Services, Inc. 1 7.25% $10,321
    BROKER SOLUTIONS, INC. 1 7.25% $8,537
    CALCON MUTUAL MORTGAGE LLC 1 6.25% $2,117
    CARDINAL FINANCIAL 1 7.75% $3,144
    Carrington Mortgage Services, LLC 1 6.75% $6,725
    CMG MORTGAGE, INC. 1 6.75% $9,322
    CORNERSTONE HOME LENDING, INC. 1 6.13% $1,003
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $16,597
    EVERETT FINANCIAL, INC. 1 5.38% $9,991
    First Federal Bank 1 5.25% $14,972
    Flagstar Bank, FSB 1 6.13% $11,451
    GUARANTEED RATE, INC. 1 5.68% $975
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.75% $3,623
    HOMESIDE FINANCIAL, LLC 1 7.13% $15,064
    Ixonia Bank 1 5.99% $6,539
    LAKEVIEW LOAN SERVICING, LLC 1 5.75% $1,405
    LOANPAL, LLC 1 6.38% $17,741
    MILEND, INC. 1 7.00% $11,180
    Mr. Cooper ( Nationstar Mortgage ) 1 5.50% $9,990
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $9,879
    Acre Mortgage and Financial Inc 1 6.75% $18,918
    NBKC BANK 1 5.13% $1,310
    Paramount Residential Mortgage Group, Inc. 1 6.75% $3,540
    PLANET HOME LENDING, LLC 1 5.99% $1,952
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.63% $3,531
    RELIANCE FIRST CAPITAL, LLC 1 6.25% $16,352
    SeaTrust Mortgage Company 1 6.00% $8,164

    The top Greenville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 47 VA loans originated. Their average total fees are $5,508, which is $423 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Greenville VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($4,590), FREEDOM MORTGAGE CORPORATION ($5,160), Mortgage Research Center, LLC ($5,508), DHI MORTGAGE COMPANY, LTD. ($5,931) and VILLAGE CAPITAL MORTGAGE ($5,997).

    The lowest rate Greenville VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.01%), PENNYMAC LOAN SERVICES, LLC (5.54%), VILLAGE CAPITAL MORTGAGE (5.70%), UNITED WHOLESALE MORTGAGE, LLC (6.02%) and NAVY FEDERAL CREDIT UNION (6.05%).

    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 $194,700 (14.6%) $227,940 (13.2%) 0.72 528
    2018-02-01 $196,450 (15.6%) $233,899 (13.4%) 0.71 522
    2018-03-01 $198,750 (12.3%) $234,674 (12.2%) 0.70 535
    2018-04-01 $207,450 (15.3%) $245,507 (15.7%) 0.70 536
    2018-05-01 $204,900 (9.9%) $243,978 (10.8%) 0.68 560
    2018-06-01 $205,750 (8.9%) $245,041 (8.8%) 0.69 574
    2018-07-01 $204,900 (9.4%) $246,868 (9.5%) 0.68 553
    2018-08-01 $199,900 (9.6%) $244,198 (10.1%) 0.67 536
    2018-09-01 $197,100 (6.6%) $234,897 (4.9%) 0.66 554
    2018-10-01 $196,725 (2.5%) $232,796 (3.2%) 0.67 546
    2018-11-01 $198,900 (2.0%) $236,106 (3.3%) 0.67 508
    2018-12-01 $198,150 (3.2%) $235,455 (5.4%) 0.68 466
    2019-01-01 $199,900 (2.7%) $236,915 (3.9%) 0.69 397
    2019-02-01 $203,150 (3.4%) $239,374 (2.3%) 0.69 388
    2019-03-01 $214,050 (7.7%) $246,010 (4.8%) 0.70 371
    2019-04-01 $223,335 (7.7%) $253,808 (3.4%) 0.71 360
    2019-05-01 $239,900 (17.1%) $262,929 (7.8%) 0.75 353
    2019-06-01 $238,900 (16.1%) $260,607 (6.4%) 0.75 340
    2019-07-01 $222,445 (8.6%) $247,304 (0.2%) 0.70 367
    2019-08-01 $221,175 (10.6%) $247,306 (1.3%) 0.70 371
    2019-09-01 $215,451 (9.3%) $241,180 (2.7%) 0.69 383
    2019-10-01 $211,636 (7.6%) $237,096 (1.9%) 0.68 385
    2019-11-01 $219,900 (10.6%) $239,011 (1.2%) 0.72 367
    2019-12-01 $225,000 (13.6%) $243,769 (3.5%) 0.75 372
    2020-01-01 $227,000 (13.6%) $252,949 (6.8%) 0.76 341
    2020-02-01 $229,950 (13.2%) $258,095 (7.8%) 0.75 323
    2020-03-01 $235,975 (10.2%) $266,333 (8.3%) 0.74 334
    2020-04-01 $238,250 (6.7%) $269,685 (6.3%) 0.75 341
    2020-05-01 $251,495 (4.8%) $284,369 (8.2%) 0.76 315
    2020-06-01 $257,748 (7.9%) $294,725 (13.1%) 0.76 277
    2020-07-01 $267,700 (20.3%) $317,280 (28.3%) 0.78 267
    2020-08-01 $267,500 (21.0%) $335,889 (35.8%) 0.77 244
    2020-09-01 $266,700 (23.8%) $329,791 (36.7%) 0.76 221
    2020-10-01 $264,900 (25.2%) $323,472 (36.4%) 0.76 205
    2020-11-01 $261,748 (19.0%) $327,686 (37.1%) 0.77 202
    2020-12-01 $257,198 (14.3%) $334,919 (37.4%) 0.76 177
    2021-01-01 $257,500 (13.4%) $340,541 (34.6%) 0.77 158
    2021-02-01 $251,695 (9.5%) $336,303 (30.3%) 0.73 128
    2021-03-01 $265,795 (12.6%) $353,204 (32.6%) 0.75 127
    2021-04-01 $247,450 (3.9%) $333,669 (23.7%) 0.67 136
    2021-05-01 $238,900 (-5.0%) $334,681 (17.7%) 0.63 137
    2021-06-01 $250,373 (-2.9%) $343,036 (16.4%) 0.66 139
    2021-07-01 $243,500 (-9.0%) $322,272 (1.6%) 0.64 160
    2021-08-01 $244,500 (-8.6%) $282,397 (-15.9%) 0.65 179
    2021-09-01 $250,243 (-6.2%) $286,722 (-13.1%) 0.67 190
    2021-10-01 $253,245 (-4.4%) $294,227 (-9.0%) 0.68 182
    2021-11-01 $275,000 (5.1%) $317,244 (-3.2%) 0.74 170
    2021-12-01 $255,748 (-0.6%) $301,493 (-10.0%) 0.69 147
    2022-01-01 $263,500 (2.3%) $311,595 (-8.5%) 0.71 103
    2022-02-01 $262,450 (4.3%) $307,957 (-8.4%) 0.68 80
    2022-03-01 $259,975 (-2.2%) $314,477 (-11.0%) 0.65 71
    2022-04-01 $279,900 (13.1%) $368,052 (10.3%) 0.67 94
    2022-05-01 $293,225 (22.7%) $379,655 (13.4%) 0.67 119
    2022-06-01 $320,745 (28.1%) $391,080 (14.0%) 0.71 145
    2022-07-01 $337,045 (38.4%) $403,044 (25.1%) 0.76 178
    2022-08-01 $346,175 (41.6%) $404,031 (43.1%) 0.80 195
    2022-09-01 $334,823 (33.8%) $385,680 (34.5%) 0.78 224
    2022-10-01 $347,500 (37.2%) $397,580 (35.1%) 0.82 231
    2022-11-01 $353,225 (28.5%) $395,265 (24.6%) 0.85 247
    2022-12-01 $343,400 (34.3%) $383,243 (27.1%) 0.85 257
    2023-01-01 $345,525 (31.1%) $392,234 (25.9%) 0.86 250
    2023-02-01 $337,000 (28.4%) $355,715 (15.5%) 0.81 227
    2023-03-01 $344,900 (32.7%) $357,596 (13.7%) 0.81 225
    2023-04-01 $343,200 (22.6%) $364,900 (-0.9%) 0.80 223
    2023-05-01 $345,475 (17.8%) $368,908 (-2.8%) 0.78 217
    2023-06-01 $344,950 (7.6%) $365,196 (-6.6%) 0.78 211
    2023-07-01 $324,900 (-3.6%) $357,403 (-11.3%) 0.74 223
    2023-08-01 $320,275 (-7.5%) $345,272 (-14.5%) 0.74 236
    2023-09-01 $319,500 (-4.6%) $341,763 (-11.4%) 0.74 241
    2023-10-01 $317,995 (-8.5%) $343,344 (-13.6%) 0.75 251
    2023-11-01 $313,095 (-11.4%) $325,954 (-17.5%) 0.75 282
    2023-12-01 $309,900 (-9.8%) $324,686 (-15.3%) 0.76 289
    2024-01-01 $302,550 (-12.4%) $317,237 (-19.1%) 0.74 280
    2024-02-01 $297,450 (-11.7%) $316,187 (-11.1%) 0.72 281
    2024-03-01 $294,950 (-14.5%) $319,510 (-10.7%) 0.69 309
    2024-04-01 $294,450 (-14.2%) $322,524 (-11.6%) 0.68 309
    2024-05-01 $292,450 (-15.4%) $320,932 (-13.0%) 0.67 337
    2024-06-01 $295,000 (-14.5%) $320,975 (-12.1%) 0.67 353
    2024-07-01 $297,225 (-8.5%) $331,441 (-7.3%) 0.68 364
    2024-08-01 $295,000 (-7.9%) $323,502 (-6.3%) 0.69 379
    2024-09-01 $296,625 (-7.2%) $328,704 (-3.8%) 0.70 386
    2024-10-01 $295,000 (-7.2%) $329,364 (-4.1%) 0.69 394
    2024-11-01 $289,900 (-7.4%) $327,572 (0.5%) 0.70 425
    2024-12-01 $292,200 (-5.7%) $324,784 (0.0%) 0.73 428
    2025-01-01 $293,100 (-3.1%) $325,391 (2.6%) 0.73 424
    2025-02-01 $290,500 (-2.3%) $326,105 (3.1%) 0.71 402
    2025-03-01 $299,900 (1.7%) $335,412 (5.0%) 0.00 404
    Greenville's median listing price for 2025-03-01 was $299,900, a difference of $4,950 (1.7%) versus the prior year and $9,400 versus the prior month.

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

    Greenville's average listing price for 2025-03-01 was $335,412, a difference of $15,902 (5.0%) versus the prior year and $9,307 versus the prior month.

    For the 2025-03-01 period, Greenville had 404 MLS listings, a difference of 2 listings (0%) versus the prior month and 95 listings (31%) 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 94 days 2,010 sqft
    2018-02-01 78 days 2,084 sqft
    2018-03-01 67 days 2,055 sqft
    2018-04-01 60 days 2,156 sqft
    2018-05-01 58 days 2,125 sqft
    2018-06-01 58 days 2,144 sqft
    2018-07-01 67 days 2,092 sqft
    2018-08-01 73 days 2,073 sqft
    2018-09-01 78 days 2,021 sqft
    2018-10-01 84 days 2,011 sqft
    2018-11-01 94 days 2,039 sqft
    2018-12-01 101 days 2,019 sqft
    2019-01-01 101 days 1,989 sqft
    2019-02-01 82 days 2,064 sqft
    2019-03-01 62 days 2,145 sqft
    2019-04-01 49 days 2,214 sqft
    2019-05-01 41 days 2,290 sqft
    2019-06-01 52 days 2,231 sqft
    2019-07-01 51 days 2,145 sqft
    2019-08-01 54 days 2,169 sqft
    2019-09-01 59 days 2,133 sqft
    2019-10-01 63 days 2,109 sqft
    2019-11-01 67 days 2,127 sqft
    2019-12-01 72 days 2,153 sqft
    2020-01-01 80 days 2,152 sqft
    2020-02-01 74 days 2,182 sqft
    2020-03-01 61 days 2,204 sqft
    2020-04-01 66 days 2,205 sqft
    2020-05-01 71 days 2,325 sqft
    2020-06-01 82 days 2,379 sqft
    2020-07-01 57 days 2,489 sqft
    2020-08-01 50 days 2,433 sqft
    2020-09-01 65 days 2,356 sqft
    2020-10-01 67 days 2,268 sqft
    2020-11-01 64 days 2,295 sqft
    2020-12-01 71 days 2,231 sqft
    2021-01-01 73 days 2,238 sqft
    2021-02-01 55 days 2,194 sqft
    2021-03-01 39 days 2,224 sqft
    2021-04-01 39 days 2,120 sqft
    2021-05-01 37 days 1,976 sqft
    2021-06-01 38 days 2,029 sqft
    2021-07-01 35 days 2,004 sqft
    2021-08-01 34 days 2,009 sqft
    2021-09-01 37 days 2,011 sqft
    2021-10-01 39 days 2,006 sqft
    2021-11-01 46 days 2,024 sqft
    2021-12-01 72 days 1,934 sqft
    2022-01-01 61 days 1,933 sqft
    2022-02-01 48 days 1,926 sqft
    2022-03-01 35 days 1,935 sqft
    2022-04-01 22 days 1,998 sqft
    2022-05-01 26 days 1,972 sqft
    2022-06-01 33 days 2,102 sqft
    2022-07-01 37 days 2,190 sqft
    2022-08-01 43 days 2,194 sqft
    2022-09-01 46 days 2,175 sqft
    2022-10-01 50 days 2,182 sqft
    2022-11-01 54 days 2,177 sqft
    2022-12-01 60 days 2,163 sqft
    2023-01-01 76 days 2,160 sqft
    2023-02-01 61 days 2,162 sqft
    2023-03-01 53 days 2,183 sqft
    2023-04-01 44 days 2,196 sqft
    2023-05-01 47 days 2,225 sqft
    2023-06-01 54 days 2,208 sqft
    2023-07-01 44 days 2,129 sqft
    2023-08-01 42 days 2,111 sqft
    2023-09-01 48 days 2,043 sqft
    2023-10-01 56 days 2,032 sqft
    2023-11-01 49 days 1,994 sqft
    2023-12-01 51 days 1,996 sqft
    2024-01-01 61 days 1,937 sqft
    2024-02-01 51 days 1,902 sqft
    2024-03-01 41 days 1,886 sqft
    2024-04-01 45 days 1,896 sqft
    2024-05-01 42 days 1,865 sqft
    2024-06-01 50 days 1,880 sqft
    2024-07-01 54 days 1,900 sqft
    2024-08-01 58 days 1,870 sqft
    2024-09-01 61 days 1,873 sqft
    2024-10-01 60 days 1,873 sqft
    2024-11-01 59 days 1,854 sqft
    2024-12-01 59 days 1,863 sqft
    2025-01-01 64 days 1,871 sqft
    2025-02-01 76 days 1,875 sqft
    2025-03-01 0 days 1,908 sqft
    Greenville's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Greenville's median square footage for active listings during the 2025-03-01 period was 1,908 sqft. One year prior, the average listing was 1,886 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.