Athens VA Loan Rates, Closing Costs & Stats

Athens, TX

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 0.46% for the week of 2025-06-20, 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 (2025-06-13) was 6.91% and one month ago for the week of 2025-05-16, the average rate was 7.17%.

The average rate one year ago was 7.17%.

For refis of the same type during the week of 2025-06-20, 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.