Wilson VA Loan Rates, Closing Costs & Stats

Wilson, 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.

    Wilson's 42 lenders originated 149 VA loans during 2024. The total origination value was $42,225,000, with an average VA loan value of $283,389.

    Wilson VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Wilson averaged 6.48% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

    Wilson's average VA mortgage closing costs are $5,176.

    The average rate for the prior week (2025-07-04) was 6.69% and one month ago for the week of 2025-06-06, the average rate was 6.56%.

    The average rate one year ago was 6.59%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.7%.

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

    Wilson 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 Wilson level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 25 6.57% $6,093
    VELOCIO MORTGAGE L.L.C. 12 5.09% $4,426
    UNITED WHOLESALE MORTGAGE, LLC 11 6.07% $14,948
    T2 FINANCIAL LLC 9 6.50% $10,975
    FREEDOM MORTGAGE CORPORATION 8 5.94% $7,489
    PENNYMAC LOAN SERVICES, LLC 6 6.29% $4,594
    VILLAGE CAPITAL MORTGAGE 5 6.12% $7,432
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 4 6.38% $10,691
    American Security Mortgage Corp. 4 6.59% $7,192
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 7.88% $922
    NEW DAY FINANCIAL, LLC 4 7.09% $12,694
    Truist 3 6.19% $10,987
    DHI MORTGAGE COMPANY, LTD. 3 5.16% $6,082
    NAVY FEDERAL CREDIT UNION 3 5.83% $7,447
    QUICKEN LOANS, LLC 3 6.75% $4,585
    Integrity Home Mortgage Corp 2 6.19% $2,907
    CROSSCOUNTRY MORTGAGE, LLC 2 6.00% $9,769
    Flagstar Bank, FSB 2 6.19% $5,698
    GUARANTEED RATE, INC. 2 6.50% $2,814
    LOANDEPOT.COM, LLC 2 5.81% $11,542
    RELIANCE FIRST CAPITAL, LLC 2 6.25% $9,568
    Texana Bank 2 6.75% $13,310
    USAA Federal Savings Bank 2 6.88% $8,035
    MOVEMENT MORTGAGE, LLC 1 5.25% $3,006
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 7.13% $2,414
    First Heritage Mortgage, LLC 1 5.75% $3,447
    NEWREZ LLC 1 4.95% $8,889
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.75% $950
    PLANET HOME LENDING, LLC 1 7.13% $7,825
    PLAZA HOME MORTGAGE, INC. 1 5.99% $6,216
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $575
    EMM LOANS LLC 1 6.13% $7,981
    Atlantic Coast Mortgage, LLC 1 6.13% $10,709
    ROYAL UNITED MORTGAGE LLC 1 7.25% $6,652
    SUMMIT FUNDING, INC. 1 6.63% $14,445
    CORNERSTONE HOME LENDING, INC. 1 5.75% $0
    Barrington Bank & Trust Company, N.A. 1 5.75% $2,548
    CLEARPATH LENDING 1 5.25% $5,283
    BROKER SOLUTIONS, INC. 1 6.25% $7,417
    MICHIGAN MUTUAL, INC. 1 6.25% $1,380
    LOANPAL, LLC 1 5.63% $7,326
    INTERCOASTAL MORTGAGE COMPANY 1 6.63% $4,254

    The top Wilson VA lender as defined by loan originations is Mortgage Research Center, LLC, with 25 VA loans originated. Their average total fees are $6,093, which is $1,667 higher than the next largest lender, VELOCIO MORTGAGE L.L.C..

    The lowest fee Wilson VA lenders (with over 10 loans originated) are VELOCIO MORTGAGE L.L.C. ($4,426), Mortgage Research Center, LLC ($6,093), UNITED WHOLESALE MORTGAGE, LLC ($14,948), .

    The lowest rate Wilson VA lenders (with over 10 loans originated) are VELOCIO MORTGAGE L.L.C. (5.09%), UNITED WHOLESALE MORTGAGE, LLC (6.07%), Mortgage Research Center, LLC (6.57%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Wilson (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 $129,600 (8.1%) $159,623 (4.0%) 0.00 252
    2018-02-01 $129,900 (9.7%) $160,284 (2.7%) 0.00 243
    2018-03-01 $132,500 (1.2%) $153,041 (-8.9%) 0.00 247
    2018-04-01 $129,950 (-3.7%) $151,563 (-11.3%) 0.00 255
    2018-05-01 $123,875 (-8.2%) $158,053 (-7.9%) 0.00 260
    2018-06-01 $120,990 (-13.5%) $161,506 (-7.5%) 0.00 238
    2018-07-01 $121,490 (-16.5%) $168,368 (-5.0%) 0.00 239
    2018-08-01 $123,500 (-8.0%) $168,477 (0.5%) 0.00 248
    2018-09-01 $132,250 (0.2%) $173,025 (4.6%) 0.00 243
    2018-10-01 $129,850 (-2.6%) $168,222 (2.6%) 0.00 245
    2018-11-01 $129,925 (-5.5%) $166,602 (-1.0%) 0.00 250
    2018-12-01 $129,700 (-0.2%) $162,930 (-0.1%) 0.00 239
    2019-01-01 $132,350 (2.1%) $161,673 (1.3%) 0.00 233
    2019-02-01 $136,250 (4.9%) $169,315 (5.6%) 0.00 211
    2019-03-01 $141,386 (6.7%) $173,444 (13.3%) 0.00 187
    2019-04-01 $152,400 (17.3%) $182,110 (20.2%) 0.00 172
    2019-05-01 $152,400 (23.0%) $187,889 (18.9%) 0.00 177
    2019-06-01 $169,900 (40.4%) $199,393 (23.5%) 0.00 181
    2019-07-01 $173,700 (43.0%) $211,744 (25.8%) 0.00 167
    2019-08-01 $174,645 (41.4%) $215,167 (27.7%) 0.00 164
    2019-09-01 $174,564 (32.0%) $214,171 (23.8%) 0.00 161
    2019-10-01 $174,500 (34.4%) $212,499 (26.3%) 0.00 153
    2019-11-01 $165,900 (27.7%) $200,498 (20.4%) 0.00 144
    2019-12-01 $169,900 (31.0%) $195,875 (20.2%) 0.00 150
    2020-01-01 $154,000 (16.4%) $186,031 (15.1%) 0.00 145
    2020-02-01 $165,000 (21.1%) $201,625 (19.1%) 0.00 143
    2020-03-01 $164,000 (16.0%) $201,660 (16.3%) 0.00 142
    2020-04-01 $169,900 (11.5%) $210,721 (15.7%) 0.00 138
    2020-05-01 $182,400 (19.7%) $210,918 (12.3%) 0.00 140
    2020-06-01 $189,900 (11.8%) $218,814 (9.7%) 0.00 121
    2020-07-01 $193,375 (11.3%) $228,903 (8.1%) 0.00 101
    2020-08-01 $199,950 (14.5%) $240,734 (11.9%) 0.00 95
    2020-09-01 $221,200 (26.7%) $276,663 (29.2%) 0.00 76
    2020-10-01 $205,450 (17.7%) $278,595 (31.1%) 0.00 64
    2020-11-01 $179,900 (8.4%) $244,471 (21.9%) 0.00 73
    2020-12-01 $207,100 (21.9%) $249,199 (27.2%) 0.00 62
    2021-01-01 $208,000 (35.1%) $256,267 (37.8%) 0.00 60
    2021-02-01 $219,950 (33.3%) $255,406 (26.7%) 0.00 66
    2021-03-01 $209,425 (27.7%) $254,591 (26.3%) 0.00 59
    2021-04-01 $216,150 (27.2%) $265,492 (26.0%) 0.00 53
    2021-05-01 $199,990 (9.6%) $243,175 (15.3%) 0.00 40
    2021-06-01 $187,425 (-1.3%) $224,651 (2.7%) 0.00 62
    2021-07-01 $182,500 (-5.6%) $226,130 (-1.2%) 0.00 64
    2021-08-01 $189,900 (-5.0%) $232,783 (-3.3%) 0.00 63
    2021-09-01 $186,150 (-15.9%) $222,076 (-19.7%) 0.00 58
    2021-10-01 $197,400 (-3.9%) $236,517 (-15.1%) 0.00 66
    2021-11-01 $187,950 (4.5%) $231,094 (-5.5%) 0.00 67
    2021-12-01 $220,700 (6.6%) $251,364 (0.9%) 0.00 57
    2022-01-01 $197,400 (-5.1%) $244,224 (-4.7%) 0.00 38
    2022-02-01 $184,950 (-15.9%) $230,582 (-9.7%) 0.00 35
    2022-03-01 $223,500 (6.7%) $254,148 (-0.2%) 0.00 34
    2022-04-01 $205,000 (-5.2%) $269,454 (1.5%) 0.00 48
    2022-05-01 $237,500 (18.8%) $290,443 (19.4%) 0.00 48
    2022-06-01 $249,925 (33.4%) $305,469 (36.0%) 0.00 65
    2022-07-01 $247,450 (35.6%) $287,362 (27.1%) 0.00 102
    2022-08-01 $237,225 (24.9%) $274,070 (17.7%) 0.00 105
    2022-09-01 $254,500 (36.7%) $267,549 (20.5%) 0.00 83
    2022-10-01 $249,900 (26.6%) $275,013 (16.3%) 0.00 82
    2022-11-01 $243,800 (29.7%) $294,511 (27.4%) 0.00 83
    2022-12-01 $249,000 (12.8%) $273,931 (9.0%) 0.00 83
    2023-01-01 $260,700 (32.1%) $291,886 (19.5%) 0.00 79
    2023-02-01 $274,175 (48.2%) $298,794 (29.6%) 0.00 83
    2023-03-01 $283,750 (27.0%) $315,511 (24.1%) 0.00 81
    2023-04-01 $299,990 (46.3%) $325,295 (20.7%) 0.00 70
    2023-05-01 $316,298 (33.2%) $337,370 (16.2%) 0.00 71
    2023-06-01 $290,673 (16.3%) $316,742 (3.7%) 0.00 84
    2023-07-01 $275,000 (11.1%) $308,807 (7.5%) 0.00 83
    2023-08-01 $264,945 (11.7%) $299,509 (9.3%) 0.00 82
    2023-09-01 $270,990 (6.5%) $299,620 (12.0%) 0.00 80
    2023-10-01 $276,225 (10.5%) $300,954 (9.4%) 0.00 105
    2023-11-01 $279,950 (14.8%) $299,418 (1.7%) 0.00 111
    2023-12-01 $290,000 (16.5%) $307,287 (12.2%) 0.00 113
    2024-01-01 $291,225 (11.7%) $305,892 (4.8%) 0.00 111
    2024-02-01 $296,334 (8.1%) $306,578 (2.6%) 0.00 122
    2024-03-01 $275,000 (-3.1%) $283,096 (-10.3%) 0.00 154
    2024-04-01 $290,124 (-3.3%) $302,106 (-7.1%) 0.00 157
    2024-05-01 $293,225 (-7.3%) $307,181 (-9.0%) 0.00 145
    2024-06-01 $290,695 (0.0%) $306,518 (-3.2%) 0.00 156
    2024-07-01 $286,510 (4.2%) $306,068 (-0.9%) 0.00 171
    2024-08-01 $283,303 (6.9%) $313,361 (4.6%) 0.00 167
    2024-09-01 $282,880 (4.4%) $313,321 (4.6%) 0.00 179
    2024-10-01 $278,482 (0.8%) $305,441 (1.5%) 0.00 198
    2024-11-01 $275,000 (-1.8%) $307,619 (2.7%) 0.00 218
    2024-12-01 $274,900 (-5.2%) $308,291 (0.3%) 0.00 223
    2025-01-01 $273,725 (-6.0%) $300,100 (-1.9%) 0.00 215
    2025-02-01 $272,748 (-8.0%) $307,470 (0.3%) 0.00 201
    2025-03-01 $268,000 (-2.6%) $300,946 (6.3%) 0.00 194
    2025-04-01 $269,975 (-6.9%) $304,971 (1.0%) 0.00 203
    2025-05-01 $270,000 (-7.9%) $303,180 (-1.3%) 0.00 202
    2025-06-01 $272,200 (-6.4%) $303,944 (-0.8%) 0.00 207
    Wilson's median listing price for 2025-06-01 was $272,200, a difference of $-18,495 (-6.4%) versus the prior year and $2,200 versus the prior month.

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

    Wilson's average listing price for 2025-06-01 was $303,944, a difference of $-2,574 (-0.8%) versus the prior year and $764 versus the prior month.

    For the 2025-06-01 period, Wilson had 207 MLS listings, a difference of 5 listings (2%) versus the prior month and 51 listings (33%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Wilson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,657 sqft
    2018-02-01 0 days 1,610 sqft
    2018-03-01 0 days 1,653 sqft
    2018-04-01 0 days 1,652 sqft
    2018-05-01 0 days 1,582 sqft
    2018-06-01 0 days 1,536 sqft
    2018-07-01 0 days 1,568 sqft
    2018-08-01 0 days 1,556 sqft
    2018-09-01 0 days 1,602 sqft
    2018-10-01 0 days 1,581 sqft
    2018-11-01 0 days 1,557 sqft
    2018-12-01 0 days 1,534 sqft
    2019-01-01 0 days 1,535 sqft
    2019-02-01 0 days 1,603 sqft
    2019-03-01 0 days 1,643 sqft
    2019-04-01 0 days 1,734 sqft
    2019-05-01 0 days 1,878 sqft
    2019-06-01 0 days 2,019 sqft
    2019-07-01 0 days 2,006 sqft
    2019-08-01 0 days 2,022 sqft
    2019-09-01 0 days 2,008 sqft
    2019-10-01 0 days 2,003 sqft
    2019-11-01 0 days 1,800 sqft
    2019-12-01 0 days 1,835 sqft
    2020-01-01 0 days 1,734 sqft
    2020-02-01 0 days 1,796 sqft
    2020-03-01 0 days 1,724 sqft
    2020-04-01 0 days 1,773 sqft
    2020-05-01 0 days 1,714 sqft
    2020-06-01 0 days 1,811 sqft
    2020-07-01 0 days 1,880 sqft
    2020-08-01 0 days 1,952 sqft
    2020-09-01 0 days 2,171 sqft
    2020-10-01 0 days 2,054 sqft
    2020-11-01 0 days 1,838 sqft
    2020-12-01 0 days 1,868 sqft
    2021-01-01 0 days 1,870 sqft
    2021-02-01 0 days 1,766 sqft
    2021-03-01 0 days 1,692 sqft
    2021-04-01 0 days 1,804 sqft
    2021-05-01 0 days 1,550 sqft
    2021-06-01 0 days 1,551 sqft
    2021-07-01 0 days 1,650 sqft
    2021-08-01 0 days 1,607 sqft
    2021-09-01 0 days 1,552 sqft
    2021-10-01 0 days 1,655 sqft
    2021-11-01 0 days 1,625 sqft
    2021-12-01 0 days 1,718 sqft
    2022-01-01 0 days 1,743 sqft
    2022-02-01 0 days 1,679 sqft
    2022-03-01 0 days 1,765 sqft
    2022-04-01 0 days 1,603 sqft
    2022-05-01 0 days 1,593 sqft
    2022-06-01 0 days 1,553 sqft
    2022-07-01 0 days 1,586 sqft
    2022-08-01 0 days 1,539 sqft
    2022-09-01 0 days 1,664 sqft
    2022-10-01 0 days 1,691 sqft
    2022-11-01 0 days 1,732 sqft
    2022-12-01 0 days 1,705 sqft
    2023-01-01 0 days 1,700 sqft
    2023-02-01 0 days 1,693 sqft
    2023-03-01 0 days 1,682 sqft
    2023-04-01 0 days 1,727 sqft
    2023-05-01 0 days 1,887 sqft
    2023-06-01 0 days 1,730 sqft
    2023-07-01 0 days 1,720 sqft
    2023-08-01 0 days 1,738 sqft
    2023-09-01 0 days 1,772 sqft
    2023-10-01 0 days 1,763 sqft
    2023-11-01 0 days 1,741 sqft
    2023-12-01 0 days 1,742 sqft
    2024-01-01 0 days 1,729 sqft
    2024-02-01 0 days 1,722 sqft
    2024-03-01 0 days 1,682 sqft
    2024-04-01 0 days 1,657 sqft
    2024-05-01 0 days 1,645 sqft
    2024-06-01 0 days 1,658 sqft
    2024-07-01 0 days 1,627 sqft
    2024-08-01 0 days 1,667 sqft
    2024-09-01 0 days 1,739 sqft
    2024-10-01 0 days 1,639 sqft
    2024-11-01 0 days 1,646 sqft
    2024-12-01 0 days 1,642 sqft
    2025-01-01 0 days 1,587 sqft
    2025-02-01 0 days 1,595 sqft
    2025-03-01 0 days 1,579 sqft
    2025-04-01 0 days 1,619 sqft
    2025-05-01 0 days 1,607 sqft
    2025-06-01 0 days 1,621 sqft
    Wilson's median listing age (time on market) for 2025-06-01 was 0 days.

    Wilson's median square footage for active listings during the 2025-06-01 period was 1,621 sqft. One year prior, the average listing was 1,658 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.