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 11 lenders originated 24 USDA loans during 2024. The total origination value was $4,730,000, with an average USDA loan value of $197,083.

Warner Robins USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Warner Robins averaged 0.01% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

Warner Robins's average USDA mortgage closing costs are $5,399.

The average rate for the prior week (2025-06-13) was 6.31% and one month ago for the week of 2025-05-16, the average rate was 6.28%.

The average rate one year ago was 6.7%.

For refis of the same type during the week of 2025-06-20, the average rate was -0.41%.

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

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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 10 6.39% $7,338
Synovus Bank 3 6.63% $6,570
INSPIRE HOME LOANS INC. 2 5.44% $6,646
FIRST COLONY MORTGAGE CORPORATION 1 6.25% $8,125
GUILD MORTGAGE COMPANY 1 6.00% $9,093
Residential Acceptance Corporation 1 7.75% $7,262
United Bank 1 6.63% $6,090
Alcova Mortgage LLC 1 6.00% $10,601
VILLAGE CAPITAL MORTGAGE 1 6.75% $4,416
Blue Ridge Bank 1 6.25% $6,067
Fifth Third Bank 1 7.00% $4,896

The top Warner Robins USDA lender as defined by loan originations is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with 10 USDA loans originated. Their average total fees are $7,338, which is $767 higher than the next largest lender, Synovus Bank.

The lowest fee Warner Robins USDA lenders (with over 10 loans originated) are ATLANTIC BAY MORTGAGE GROUP, L.L.C. ($7,338), .

The lowest rate Warner Robins USDA lenders (with over 10 loans originated) are ATLANTIC BAY MORTGAGE GROUP, L.L.C. (6.39%), .