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 0.41% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

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

    The average rate for the prior week (2025-06-13) was 6.66% and one month ago for the week of 2025-05-16, the average rate was 6.62%.

    The average rate one year ago was 6.62%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.33%.

    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%), .

    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.