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 6.93% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

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

    The average rate for the prior week (2025-07-04) was 6.94% and one month ago for the week of 2025-06-06, the average rate was 7.01%.

    The average rate one year ago was 7.14%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.46%.

    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 .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Vineland (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 $129,225 (-0.6%) $142,288 (-3.8%) 0.00 724
    2018-02-01 $129,450 (-0.4%) $141,315 (-6.1%) 0.00 731
    2018-03-01 $132,700 (-2.4%) $142,511 (-6.4%) 0.00 731
    2018-04-01 $129,450 (-5.5%) $142,426 (-7.4%) 0.00 767
    2018-05-01 $139,900 (2.1%) $152,857 (-1.5%) 0.00 741
    2018-06-01 $139,900 (0.5%) $151,752 (-3.2%) 0.00 780
    2018-07-01 $139,950 (0.0%) $152,370 (-3.5%) 0.00 802
    2018-08-01 $139,925 (0.0%) $357,298 (130.7%) 0.00 844
    2018-09-01 $141,250 (4.6%) $359,390 (137.4%) 0.00 836
    2018-10-01 $141,425 (7.4%) $151,912 (2.1%) 0.00 827
    2018-11-01 $139,900 (7.7%) $151,872 (4.9%) 0.00 814
    2018-12-01 $135,000 (3.9%) $150,284 (4.5%) 0.00 781
    2019-01-01 $134,950 (4.4%) $147,851 (3.9%) 0.00 738
    2019-02-01 $135,438 (4.6%) $150,175 (6.3%) 0.00 756
    2019-03-01 $138,971 (4.7%) $152,413 (7.0%) 0.00 753
    2019-04-01 $139,900 (8.1%) $154,362 (8.4%) 0.00 742
    2019-05-01 $142,500 (1.9%) $158,630 (3.8%) 0.00 745
    2019-06-01 $145,000 (3.7%) $161,071 (6.1%) 0.00 771
    2019-07-01 $148,700 (6.3%) $161,998 (6.3%) 0.00 779
    2019-08-01 $146,418 (4.6%) $183,802 (-48.6%) 0.00 753
    2019-09-01 $147,870 (4.7%) $172,260 (-52.1%) 0.00 720
    2019-10-01 $147,314 (4.2%) $163,378 (7.6%) 0.00 694
    2019-11-01 $145,000 (3.7%) $160,846 (5.9%) 0.00 669
    2019-12-01 $139,950 (3.7%) $159,813 (6.3%) 0.00 630
    2020-01-01 $144,750 (7.3%) $161,392 (9.2%) 0.00 582
    2020-02-01 $150,000 (10.8%) $164,841 (9.8%) 0.00 576
    2020-03-01 $150,000 (7.9%) $167,979 (10.2%) 0.00 572
    2020-04-01 $152,450 (9.0%) $171,353 (11.0%) 0.00 516
    2020-05-01 $160,000 (12.3%) $205,506 (29.6%) 0.00 479
    2020-06-01 $158,850 (9.6%) $212,251 (31.8%) 0.00 402
    2020-07-01 $154,450 (3.9%) $216,166 (33.4%) 0.00 356
    2020-08-01 $157,000 (7.2%) $224,726 (22.3%) 0.00 329
    2020-09-01 $159,900 (8.1%) $240,816 (39.8%) 0.00 328
    2020-10-01 $164,900 (11.9%) $252,801 (54.7%) 0.00 316
    2020-11-01 $169,325 (16.8%) $257,651 (60.2%) 0.00 335
    2020-12-01 $167,750 (19.9%) $266,553 (66.8%) 0.00 304
    2021-01-01 $160,000 (10.5%) $262,240 (62.5%) 0.00 298
    2021-02-01 $160,000 (6.7%) $219,740 (33.3%) 0.00 258
    2021-03-01 $162,500 (8.3%) $228,459 (36.0%) 0.00 240
    2021-04-01 $168,650 (10.6%) $231,728 (35.2%) 0.00 223
    2021-05-01 $179,000 (11.9%) $233,842 (13.8%) 0.00 202
    2021-06-01 $189,900 (19.6%) $232,070 (9.3%) 0.00 235
    2021-07-01 $191,000 (23.7%) $239,843 (11.0%) 0.00 278
    2021-08-01 $191,925 (22.3%) $244,438 (8.8%) 0.00 327
    2021-09-01 $189,950 (18.8%) $245,373 (1.9%) 0.00 317
    2021-10-01 $190,000 (15.2%) $331,914 (31.3%) 0.00 316
    2021-11-01 $190,950 (12.8%) $330,703 (28.4%) 0.00 308
    2021-12-01 $198,000 (18.0%) $349,415 (31.1%) 0.00 280
    2022-01-01 $199,000 (24.4%) $381,184 (45.4%) 0.00 232
    2022-02-01 $192,500 (20.3%) $386,479 (75.9%) 0.00 232
    2022-03-01 $199,925 (23.0%) $402,532 (76.2%) 0.00 216
    2022-04-01 $199,900 (18.5%) $379,436 (63.7%) 0.00 225
    2022-05-01 $217,200 (21.3%) $372,967 (59.5%) 0.00 259
    2022-06-01 $225,000 (18.5%) $362,487 (56.2%) 0.00 285
    2022-07-01 $229,950 (20.4%) $355,364 (48.2%) 0.00 313
    2022-08-01 $230,000 (19.8%) $353,394 (44.6%) 0.00 323
    2022-09-01 $239,900 (26.3%) $360,521 (46.9%) 0.00 313
    2022-10-01 $245,000 (29.0%) $366,782 (10.5%) 0.00 313
    2022-11-01 $243,900 (27.7%) $366,418 (10.8%) 0.00 304
    2022-12-01 $240,000 (21.2%) $382,595 (9.5%) 0.00 286
    2023-01-01 $238,450 (19.8%) $392,171 (2.9%) 0.00 252
    2023-02-01 $240,000 (24.7%) $415,918 (7.6%) 0.00 220
    2023-03-01 $250,000 (25.1%) $425,687 (5.8%) 0.00 203
    2023-04-01 $269,900 (35.0%) $466,801 (23.0%) 0.00 180
    2023-05-01 $254,975 (17.4%) $443,199 (18.8%) 0.00 187
    2023-06-01 $259,450 (15.3%) $430,330 (18.7%) 0.00 201
    2023-07-01 $249,900 (8.7%) $440,864 (24.1%) 0.00 195
    2023-08-01 $258,450 (12.4%) $428,479 (21.3%) 0.00 221
    2023-09-01 $250,000 (4.2%) $411,412 (14.1%) 0.00 236
    2023-10-01 $249,950 (2.0%) $421,185 (14.8%) 0.00 234
    2023-11-01 $254,975 (4.5%) $316,330 (-13.7%) 0.00 261
    2023-12-01 $262,450 (9.4%) $323,799 (-15.4%) 0.00 249
    2024-01-01 $263,250 (10.4%) $325,337 (-17.0%) 0.00 239
    2024-02-01 $258,750 (7.8%) $284,513 (-31.6%) 0.00 237
    2024-03-01 $265,000 (6.0%) $298,112 (-30.0%) 0.00 243
    2024-04-01 $269,900 (0.0%) $303,010 (-35.1%) 0.00 235
    2024-05-01 $283,750 (11.3%) $300,930 (-32.1%) 0.00 232
    2024-06-01 $279,950 (7.9%) $297,793 (-30.8%) 0.00 255
    2024-07-01 $286,000 (14.5%) $311,444 (-29.4%) 0.00 256
    2024-08-01 $285,000 (10.3%) $318,787 (-25.6%) 0.00 273
    2024-09-01 $291,000 (16.4%) $323,928 (-21.3%) 0.00 289
    2024-10-01 $299,650 (19.9%) $336,644 (-20.1%) 0.00 310
    2024-11-01 $299,900 (17.6%) $343,987 (8.7%) 0.00 297
    2024-12-01 $299,950 (14.3%) $351,777 (8.6%) 0.00 273
    2025-01-01 $299,850 (13.9%) $348,120 (7.0%) 0.00 270
    2025-02-01 $299,319 (15.7%) $341,687 (20.1%) 0.00 286
    2025-03-01 $299,900 (13.2%) $341,804 (14.7%) 0.00 298
    2025-04-01 $299,999 (11.2%) $348,086 (14.9%) 0.00 295
    2025-05-01 $304,888 (7.5%) $351,422 (16.8%) 0.00 309
    2025-06-01 $301,250 (7.6%) $361,806 (21.5%) 0.00 332
    Vineland's median listing price for 2025-06-01 was $301,250, a difference of $21,300 (7.6%) versus the prior year and $-3,638 versus the prior month.

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

    Vineland's average listing price for 2025-06-01 was $361,806, a difference of $64,013 (21.5%) versus the prior year and $10,384 versus the prior month.

    For the 2025-06-01 period, Vineland had 332 MLS listings, a difference of 23 listings (7%) versus the prior month and 77 listings (30%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Vineland (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,431 sqft
    2018-02-01 0 days 1,404 sqft
    2018-03-01 0 days 1,410 sqft
    2018-04-01 0 days 1,429 sqft
    2018-05-01 0 days 1,464 sqft
    2018-06-01 0 days 1,456 sqft
    2018-07-01 0 days 1,458 sqft
    2018-08-01 0 days 1,457 sqft
    2018-09-01 0 days 1,461 sqft
    2018-10-01 0 days 1,454 sqft
    2018-11-01 0 days 1,445 sqft
    2018-12-01 0 days 1,420 sqft
    2019-01-01 0 days 1,426 sqft
    2019-02-01 0 days 1,434 sqft
    2019-03-01 0 days 1,439 sqft
    2019-04-01 0 days 1,438 sqft
    2019-05-01 0 days 1,461 sqft
    2019-06-01 0 days 1,500 sqft
    2019-07-01 0 days 1,509 sqft
    2019-08-01 0 days 1,503 sqft
    2019-09-01 0 days 1,496 sqft
    2019-10-01 0 days 1,483 sqft
    2019-11-01 0 days 1,461 sqft
    2019-12-01 0 days 1,452 sqft
    2020-01-01 0 days 1,448 sqft
    2020-02-01 0 days 1,440 sqft
    2020-03-01 0 days 1,446 sqft
    2020-04-01 0 days 1,474 sqft
    2020-05-01 0 days 1,508 sqft
    2020-06-01 0 days 1,515 sqft
    2020-07-01 0 days 1,496 sqft
    2020-08-01 0 days 1,497 sqft
    2020-09-01 0 days 1,502 sqft
    2020-10-01 0 days 1,466 sqft
    2020-11-01 0 days 1,535 sqft
    2020-12-01 0 days 1,502 sqft
    2021-01-01 0 days 1,440 sqft
    2021-02-01 0 days 1,402 sqft
    2021-03-01 0 days 1,412 sqft
    2021-04-01 0 days 1,468 sqft
    2021-05-01 0 days 1,472 sqft
    2021-06-01 0 days 1,498 sqft
    2021-07-01 0 days 1,487 sqft
    2021-08-01 0 days 1,480 sqft
    2021-09-01 0 days 1,465 sqft
    2021-10-01 0 days 1,476 sqft
    2021-11-01 0 days 1,489 sqft
    2021-12-01 0 days 1,458 sqft
    2022-01-01 0 days 1,407 sqft
    2022-02-01 0 days 1,416 sqft
    2022-03-01 0 days 1,439 sqft
    2022-04-01 0 days 1,470 sqft
    2022-05-01 0 days 1,503 sqft
    2022-06-01 0 days 1,485 sqft
    2022-07-01 0 days 1,469 sqft
    2022-08-01 0 days 1,443 sqft
    2022-09-01 0 days 1,469 sqft
    2022-10-01 0 days 1,507 sqft
    2022-11-01 0 days 1,482 sqft
    2022-12-01 0 days 1,488 sqft
    2023-01-01 0 days 1,467 sqft
    2023-02-01 0 days 1,446 sqft
    2023-03-01 0 days 1,477 sqft
    2023-04-01 0 days 1,500 sqft
    2023-05-01 0 days 1,497 sqft
    2023-06-01 0 days 1,485 sqft
    2023-07-01 0 days 1,583 sqft
    2023-08-01 0 days 1,478 sqft
    2023-09-01 0 days 1,488 sqft
    2023-10-01 0 days 1,499 sqft
    2023-11-01 0 days 1,497 sqft
    2023-12-01 0 days 1,512 sqft
    2024-01-01 0 days 1,489 sqft
    2024-02-01 0 days 1,428 sqft
    2024-03-01 0 days 1,426 sqft
    2024-04-01 0 days 1,465 sqft
    2024-05-01 0 days 1,498 sqft
    2024-06-01 0 days 1,478 sqft
    2024-07-01 0 days 1,490 sqft
    2024-08-01 0 days 1,518 sqft
    2024-09-01 0 days 1,537 sqft
    2024-10-01 0 days 1,552 sqft
    2024-11-01 0 days 1,560 sqft
    2024-12-01 0 days 1,585 sqft
    2025-01-01 0 days 1,523 sqft
    2025-02-01 0 days 1,512 sqft
    2025-03-01 0 days 1,508 sqft
    2025-04-01 0 days 1,466 sqft
    2025-05-01 0 days 1,548 sqft
    2025-06-01 0 days 1,574 sqft
    Vineland's median listing age (time on market) for 2025-06-01 was 0 days.

    Vineland's median square footage for active listings during the 2025-06-01 period was 1,574 sqft. One year prior, the average listing was 1,478 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.