Athens VA Loan Rates, Closing Costs & Stats

Athens, TX

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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.

    Athens's 48 lenders originated 134 VA loans during 2024. The total origination value was $42,760,000, with an average VA loan value of $319,104.

    Athens VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Athens averaged 0.36% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Athens's average VA mortgage closing costs are $6,235.

    The average rate for the prior week (2025-06-27) was 7.1% and one month ago for the week of 2025-05-30, the average rate was 7.12%.

    The average rate one year ago was 6.84%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.51%.

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

    Athens 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 Athens level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 25 6.23% $5,905
    UNITED WHOLESALE MORTGAGE, LLC 15 6.13% $6,701
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 6.36% $7,389
    CMG MORTGAGE, INC. 5 6.33% $12,291
    QUICKEN LOANS, LLC 5 6.00% $18,187
    NAVY FEDERAL CREDIT UNION 5 6.10% $4,316
    Mid-Continent Funding, Inc. 4 6.13% $5,871
    LOANDEPOT.COM, LLC 4 6.97% $9,811
    FREEDOM MORTGAGE CORPORATION 4 5.88% $7,622
    VILLAGE CAPITAL MORTGAGE 4 5.78% $3,950
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 6.88% $6,584
    HALLMARK HOME MORTGAGE, LLC 3 6.21% $9,782
    DHI MORTGAGE COMPANY, LTD. 3 4.99% $1,818
    PENNYMAC LOAN SERVICES, LLC 2 5.19% $10,285
    GUILD MORTGAGE COMPANY 2 6.69% $11,407
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 7.31% $10,133
    S1L, Inc. 2 6.69% $7,362
    CARDINAL FINANCIAL 2 6.75% $9,918
    Plains Commerce Bank 1 6.63% $7,802
    PREMIA MORTGAGE, LLC 1 6.75% $5,133
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.00% $0
    Prosperity Bank 1 7.00% $4,388
    Prosperity Home Mortgage, LLC 1 5.99% $22,369
    SWBC MORTGAGE CORPORATION 1 6.25% $7,891
    T2 FINANCIAL LLC 1 5.63% $14,207
    USAA Federal Savings Bank 1 6.50% $3,711
    U.S. Bank 1 5.99% $8,905
    Waterstone Mortgage Corporation 1 6.25% $9,154
    Wells Fargo Bank 1 6.25% $16,718
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.25% $3,143
    WILLOW BEND MORTGAGE COMPANY, LLC 1 5.60% $4,740
    ALTRA 1 6.63% $1,432
    AMERICAN FINANCIAL NETWORK, INC. 1 6.13% $3,652
    American Mortgage Bank, LLC 1 6.50% $8,928
    Barrington Bank & Trust Company, N.A. 1 5.25% $3,224
    City Bank 1 5.50% $20,069
    CROSSCOUNTRY MORTGAGE, LLC 1 5.25% $3,595
    Equity Prime Mortgage LLC 1 7.63% $2,156
    Flagstar Bank, FSB 1 5.25% $5,410
    GENEVA FINANCIAL, LLC 1 7.13% $8,521
    Home Mortgage Alliance Corp 1 6.25% $7,364
    LAKEVIEW LOAN SERVICING, LLC 1 5.25% $7,391
    MASON MCDUFFIE MORTGAGE CORPORATION 1 5.75% $34,000
    MID AMERICA MORTGAGE, INC. 1 6.13% $7,586
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.75% $4,643
    MOVEMENT MORTGAGE, LLC 1 7.00% $4,992
    Mr. Cooper ( Nationstar Mortgage ) 1 5.25% $5,396
    NEWREZ LLC 1 6.75% $9,886

    The top Athens VA lender as defined by loan originations is Mortgage Research Center, LLC, with 25 VA loans originated. Their average total fees are $5,905, which is $796 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Athens VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,905), UNITED WHOLESALE MORTGAGE, LLC ($6,701), .

    The lowest rate Athens VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.13%), Mortgage Research Center, LLC (6.23%), .

    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.