Warner Robins USDA Loan Rates, Closing Costs & Stats
WARNER ROBINS, GA
USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.
Warner Robins's 20 lenders originated 30 USDA loans during 2023. The total origination value was $6,690,000, with an average USDA loan value of $223,000.
Warner Robins USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Warner Robins
averaged
6.36%
for the week of 2024-11-08, compared to the national average (all USDA variants) of
6.477% for the same period.
Warner Robins's average USDA mortgage closing costs are $5,316.
The average rate for the prior week (2024-11-01) was
6.53% and
one month ago for the week of 2024-10-04, the
average rate was 5.96%.
The average rate one year ago was 7.49%.
For refis of the same type during the week of 2024-11-08, the average rate
was 6.19%.
Warner Robins USDA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Warner Robins level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 5 | 6.60% | $8,339 |
| ACADEMY MORTGAGE CORPORATION | 3 | 6.54% | $9,526 |
| VAN DYK MORTGAGE CORPORATION | 2 | 6.87% | $4,794 |
| BROKER SOLUTIONS, INC. | 2 | 5.88% | $9,781 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 2 | 6.25% | $8,344 |
| Synovus Bank | 2 | 6.50% | $7,359 |
| DHI MORTGAGE COMPANY, LTD. | 1 | 5.25% | $5,289 |
| EMM LOANS LLC | 1 | 7.00% | $7,947 |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | 7.25% | $10,469 |
| FIRST COLONY MORTGAGE CORPORATION | 1 | 6.25% | $9,518 |
| GUARANTEED RATE, INC. | 1 | 6.63% | $7,784 |
| GUILD MORTGAGE COMPANY | 1 | 7.13% | $6,855 |
| HOMESPIRE MORTGAGE CORPORATION | 1 | 7.63% | $5,042 |
| Keystone Funding, Inc. | 1 | 6.88% | $4,541 |
| Loan Simple, Inc. | 1 | 5.75% | $14,211 |
| CARDINAL FINANCIAL | 1 | 5.25% | $8,919 |
| T2 FINANCIAL LLC | 1 | 7.38% | $9,129 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.75% | $7,211 |
| Colony Bank | 1 | 5.50% | $6,813 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 6.63% | $6,584 |
The top Warner Robins USDA lender as defined by loan originations is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with
5 USDA loans originated. Their average total fees are
$8,339, which is $1,188
lower than the next largest lender,
ACADEMY MORTGAGE CORPORATION.
The lowest fee Warner Robins USDA lenders (with over 10 loans originated) are
.
The lowest rate Warner Robins USDA lenders (with over 10 loans originated) are
.