Vineland VA Loan Rates, Closing Costs & Stats

VINELAND-BRIDGETON, NJ

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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.

    Vineland's 46 lenders originated 176 VA loans during 2024. The total origination value was $56,640,000, with an average VA loan value of $321,818.

    Vineland VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Vineland averaged 0.56% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Vineland's average VA mortgage closing costs are $6,732.

    The average rate for the prior week (2025-06-13) was 6.91% and one month ago for the week of 2025-05-16, the average rate was 6.97%.

    The average rate one year ago was 6.97%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.29%.

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

    Vineland 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 Vineland level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 37 6.62% $5,891
    NATION ONE MORTGAGE CORPORATION 18 6.60% $9,021
    FREEDOM MORTGAGE CORPORATION 13 6.39% $7,858
    UNITED WHOLESALE MORTGAGE, LLC 11 5.56% $8,774
    VILLAGE CAPITAL MORTGAGE 8 5.62% $6,317
    NAVY FEDERAL CREDIT UNION 7 6.13% $6,992
    QUICKEN LOANS, LLC 6 6.22% $10,859
    NEW DAY FINANCIAL, LLC 5 6.59% $4,651
    CROSSCOUNTRY MORTGAGE, LLC 4 6.34% $10,147
    CLEARPATH LENDING 3 5.67% $9,163
    MORTGAGE ACCESS CORP. 3 6.29% $14,976
    GUARANTEED RATE, INC. 3 6.57% $4,119
    Prosperity Home Mortgage, LLC 3 6.46% $12,287
    The Federal Savings Bank 3 6.92% $15,977
    USAA Federal Savings Bank 3 6.17% $7,570
    NEWREZ LLC 2 6.88% $11,906
    Barrington Bank & Trust Company, N.A. 2 6.75% $4,696
    ALLIED MORTGAGE GROUP, INC. 2 6.63% $7,838
    GREENTREE MORTGAGE COMPANY, L.P. 2 6.63% $9,259
    ABSOLUTE HOME MORTGAGE CORPORATION 2 6.75% $8,234
    BROKER SOLUTIONS, INC. 2 6.50% $15,484
    Mr. Cooper ( Nationstar Mortgage ) 2 6.13% $9,547
    Truist 1 6.25% $5,862
    UNION HOME MORTGAGE CORP. 1 6.13% $3,541
    MOVEMENT MORTGAGE, LLC 1 6.75% $3,741
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.00% $4,659
    AMERICAN FINANCIAL NETWORK, INC. 1 6.63% $85
    Capital Bank 1 5.63% $7,520
    CARDINAL FINANCIAL 1 7.25% $15,602
    CMG MORTGAGE, INC. 1 7.38% $4,725
    DEVELOPER'S MORTGAGE COMPANY 1 5.75% $26,894
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.63% $4,298
    FIRST HERITAGE FINANCIAL, LLC 1 6.49% $7,446
    FIRST WORLD MORTGAGE CORPORATION 1 6.13% $16,467
    Flagstar Bank, FSB 1 6.50% $4,414
    GoPrime Mortgage, Inc. 1 4.88% $14,202
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.75% $1,904
    LOANDEPOT.COM, LLC 1 5.38% $11,317
    LOANPAL, LLC 1 4.99% $14,400
    MORIA DEVELOPMENT, INC. 1 7.25% $7,915
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.75% $16,937
    1st Colonial Community Bank 1 6.63% $4,428
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.63% $39,575
    PENNYMAC LOAN SERVICES, LLC 1 5.63% $4,690
    PENTAGON FEDERAL CREDIT UNION 1 5.63% $1,698
    PREMIA MORTGAGE, LLC 1 6.58% $9,402

    The top Vineland VA lender as defined by loan originations is Mortgage Research Center, LLC, with 37 VA loans originated. Their average total fees are $5,891, which is $3,130 lower than the next largest lender, NATION ONE MORTGAGE CORPORATION.

    The lowest fee Vineland VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,891), FREEDOM MORTGAGE CORPORATION ($7,858), UNITED WHOLESALE MORTGAGE, LLC ($8,774), NATION ONE MORTGAGE CORPORATION ($9,021) and .

    The lowest rate Vineland VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.56%), FREEDOM MORTGAGE CORPORATION (6.39%), NATION ONE MORTGAGE CORPORATION (6.60%), Mortgage Research Center, LLC (6.62%) and .

    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.