Atlanta VA Loan Rates, Closing Costs & Stats
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA
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.
Atlanta's 244 lenders originated 10,513 VA loans during 2024. The total origination value was $4,202,335,000, with an average VA loan value of $399,727.
Atlanta VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Atlanta
averaged
6.28%
for the week of 2025-04-04, compared to the national average (all VA variants) of
6.06% for the same period.
Atlanta's average VA mortgage closing costs are $6,642.
The average rate for the prior week (2025-03-28) was
6.7% and
one month ago for the week of 2025-02-28, the
average rate was 6.58%.
The average rate one year ago was 6.79%.
For refis of the same type during the week of 2025-04-04, the average rate
was 5.96%.
Atlanta 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 Atlanta level.
The top Atlanta VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
1,164 VA loans originated. Their average total fees are
$8,819, which is $2,979
higher than the next largest lender,
Mortgage Research Center, LLC.
The lowest fee Atlanta VA lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC ($3,870), PULTE MORTGAGE LLC ($4,058), South Pacific Financial Corporation ($4,551), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,563) and PLANET HOME LENDING, LLC ($4,974).
The lowest rate Atlanta VA lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (4.84%), DHI MORTGAGE COMPANY, LTD. (5.29%), South Pacific Financial Corporation (5.35%), FBC MORTGAGE, LLC (5.46%) and INSPIRE HOME LOANS INC. (5.49%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Atlanta (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $303,929 (12.6%) | $421,938 (8.6%) | 1.13 | 21,692 |
| 2018-02-01 | $312,225 (12.9%) | $431,604 (7.8%) | 1.13 | 21,085 |
| 2018-03-01 | $324,900 (14.0%) | $443,448 (7.1%) | 1.14 | 21,577 |
| 2018-04-01 | $336,950 (12.7%) | $460,864 (8.8%) | 1.14 | 22,134 |
| 2018-05-01 | $339,450 (13.2%) | $461,062 (8.2%) | 1.13 | 22,966 |
| 2018-06-01 | $339,900 (13.3%) | $459,074 (8.6%) | 1.13 | 23,957 |
| 2018-07-01 | $330,955 (10.7%) | $443,861 (7.3%) | 1.11 | 25,612 |
| 2018-08-01 | $325,000 (10.2%) | $442,918 (7.7%) | 1.09 | 26,000 |
| 2018-09-01 | $324,900 (9.4%) | $432,776 (5.8%) | 1.09 | 26,410 |
| 2018-10-01 | $316,000 (6.1%) | $430,443 (4.3%) | 1.07 | 28,500 |
| 2018-11-01 | $315,719 (5.5%) | $434,471 (4.9%) | 1.07 | 28,178 |
| 2018-12-01 | $314,481 (4.9%) | $432,243 (3.9%) | 1.08 | 27,280 |
| 2019-01-01 | $309,900 (2.0%) | $429,003 (1.7%) | 1.07 | 25,628 |
| 2019-02-01 | $319,580 (2.4%) | $440,632 (2.1%) | 1.08 | 25,343 |
| 2019-03-01 | $322,936 (-0.6%) | $440,947 (-0.6%) | 1.06 | 26,564 |
| 2019-04-01 | $325,000 (-3.6%) | $437,153 (-5.1%) | 1.03 | 28,530 |
| 2019-05-01 | $329,625 (-2.9%) | $440,660 (-4.4%) | 1.03 | 29,330 |
| 2019-06-01 | $325,000 (-4.4%) | $436,569 (-4.9%) | 1.02 | 29,892 |
| 2019-07-01 | $324,900 (-1.8%) | $431,506 (-2.8%) | 1.02 | 30,690 |
| 2019-08-01 | $318,982 (-1.9%) | $421,910 (-4.7%) | 1.01 | 30,769 |
| 2019-09-01 | $313,930 (-3.4%) | $415,776 (-3.9%) | 1.00 | 30,483 |
| 2019-10-01 | $318,011 (0.6%) | $422,180 (-1.9%) | 1.03 | 28,806 |
| 2019-11-01 | $323,000 (2.3%) | $432,400 (-0.5%) | 1.06 | 26,203 |
| 2019-12-01 | $318,500 (1.3%) | $430,800 (-0.3%) | 1.06 | 24,415 |
| 2020-01-01 | $317,500 (2.5%) | $430,343 (0.3%) | 1.06 | 22,475 |
| 2020-02-01 | $320,000 (0.1%) | $438,832 (-0.4%) | 1.05 | 21,549 |
| 2020-03-01 | $329,450 (2.0%) | $447,597 (1.5%) | 1.03 | 21,609 |
| 2020-04-01 | $325,000 (0.0%) | $439,135 (0.5%) | 1.02 | 23,527 |
| 2020-05-01 | $334,900 (1.6%) | $452,346 (2.7%) | 1.02 | 23,182 |
| 2020-06-01 | $346,026 (6.5%) | $468,075 (7.2%) | 1.02 | 21,032 |
| 2020-07-01 | $349,985 (7.7%) | $482,777 (11.9%) | 1.01 | 18,916 |
| 2020-08-01 | $350,000 (9.7%) | $487,465 (15.5%) | 1.00 | 17,584 |
| 2020-09-01 | $352,555 (12.3%) | $493,064 (18.6%) | 1.01 | 16,282 |
| 2020-10-01 | $354,900 (11.6%) | $499,628 (18.3%) | 1.02 | 15,867 |
| 2020-11-01 | $351,985 (9.0%) | $504,751 (16.7%) | 1.03 | 14,438 |
| 2020-12-01 | $349,950 (9.9%) | $502,333 (16.6%) | 1.04 | 12,863 |
| 2021-01-01 | $350,000 (10.2%) | $510,608 (18.7%) | 1.04 | 11,137 |
| 2021-02-01 | $359,950 (12.5%) | $528,110 (20.3%) | 1.05 | 9,431 |
| 2021-03-01 | $367,400 (11.5%) | $536,379 (19.8%) | 1.04 | 8,998 |
| 2021-04-01 | $383,750 (18.1%) | $550,973 (25.5%) | 1.04 | 8,989 |
| 2021-05-01 | $389,900 (16.4%) | $566,816 (25.3%) | 1.04 | 9,145 |
| 2021-06-01 | $395,000 (14.2%) | $559,001 (19.4%) | 1.04 | 9,977 |
| 2021-07-01 | $399,900 (14.3%) | $565,051 (17.0%) | 1.06 | 11,283 |
| 2021-08-01 | $395,500 (13.0%) | $553,162 (13.5%) | 1.05 | 11,650 |
| 2021-09-01 | $397,950 (12.9%) | $553,626 (12.3%) | 1.06 | 11,694 |
| 2021-10-01 | $394,900 (11.3%) | $550,536 (10.2%) | 1.05 | 11,344 |
| 2021-11-01 | $395,000 (12.2%) | $551,504 (9.3%) | 1.06 | 11,089 |
| 2021-12-01 | $390,746 (11.7%) | $550,227 (9.5%) | 1.06 | 10,523 |
| 2022-01-01 | $389,900 (11.4%) | $556,859 (9.1%) | 1.05 | 8,667 |
| 2022-02-01 | $393,281 (9.3%) | $577,562 (9.4%) | 1.02 | 7,799 |
| 2022-03-01 | $399,450 (8.7%) | $577,292 (7.6%) | 1.00 | 7,842 |
| 2022-04-01 | $415,000 (8.1%) | $596,156 (8.2%) | 0.99 | 8,188 |
| 2022-05-01 | $429,950 (10.3%) | $607,727 (7.2%) | 0.98 | 10,066 |
| 2022-06-01 | $449,675 (13.8%) | $618,375 (10.6%) | 1.00 | 12,156 |
| 2022-07-01 | $439,500 (9.9%) | $596,818 (5.6%) | 0.99 | 15,558 |
| 2022-08-01 | $425,000 (7.5%) | $581,656 (5.2%) | 0.98 | 16,853 |
| 2022-09-01 | $420,000 (5.5%) | $567,084 (2.4%) | 0.98 | 17,164 |
| 2022-10-01 | $414,275 (4.9%) | $554,166 (0.7%) | 0.97 | 18,190 |
| 2022-11-01 | $403,667 (2.2%) | $550,848 (-0.1%) | 0.97 | 18,248 |
| 2022-12-01 | $399,900 (2.3%) | $545,566 (-0.9%) | 0.99 | 17,062 |
| 2023-01-01 | $399,900 (2.6%) | $551,236 (-1.0%) | 0.99 | 15,142 |
| 2023-02-01 | $399,950 (1.7%) | $562,091 (-2.7%) | 0.97 | 14,067 |
| 2023-03-01 | $410,240 (2.7%) | $576,194 (-0.2%) | 0.97 | 13,306 |
| 2023-04-01 | $420,000 (1.2%) | $594,948 (-0.2%) | 0.98 | 12,285 |
| 2023-05-01 | $431,189 (0.3%) | $610,613 (0.5%) | 0.98 | 12,286 |
| 2023-06-01 | $439,275 (-2.3%) | $614,706 (-0.6%) | 0.99 | 13,108 |
| 2023-07-01 | $437,863 (-0.4%) | $616,036 (3.2%) | 1.00 | 14,169 |
| 2023-08-01 | $431,548 (1.5%) | $610,409 (4.9%) | 0.99 | 14,552 |
| 2023-09-01 | $429,000 (2.1%) | $603,428 (6.4%) | 1.00 | 15,693 |
| 2023-10-01 | $425,000 (2.6%) | $597,186 (7.8%) | 1.00 | 16,733 |
| 2023-11-01 | $420,000 (4.1%) | $593,631 (7.8%) | 1.00 | 17,197 |
| 2023-12-01 | $415,000 (3.8%) | $592,700 (8.6%) | 1.01 | 16,455 |
| 2024-01-01 | $409,995 (2.5%) | $592,375 (7.5%) | 1.00 | 15,415 |
| 2024-02-01 | $409,900 (2.5%) | $596,033 (6.0%) | 0.99 | 15,521 |
| 2024-03-01 | $410,000 (-0.1%) | $599,383 (4.0%) | 0.96 | 16,249 |
| 2024-04-01 | $415,950 (-1.0%) | $607,096 (2.0%) | 0.97 | 17,500 |
| 2024-05-01 | $422,845 (-1.9%) | $610,961 (0.1%) | 0.96 | 18,903 |
| 2024-06-01 | $425,000 (-3.3%) | $603,970 (-1.8%) | 0.97 | 20,752 |
| 2024-07-01 | $424,950 (-3.0%) | $596,091 (-3.2%) | 0.97 | 22,208 |
| 2024-08-01 | $415,000 (-3.8%) | $579,157 (-5.1%) | 0.97 | 22,965 |
| 2024-09-01 | $415,000 (-3.3%) | $574,154 (-4.9%) | 0.98 | 23,939 |
| 2024-10-01 | $412,450 (-3.0%) | $571,888 (-4.2%) | 0.97 | 24,597 |
| 2024-11-01 | $405,428 (-3.5%) | $560,337 (-5.6%) | 0.97 | 24,531 |
| 2024-12-01 | $399,950 (-3.6%) | $554,642 (-6.4%) | 0.99 | 22,742 |
| 2025-01-01 | $399,000 (-2.7%) | $548,467 (-7.4%) | 1.00 | 21,294 |
| 2025-02-01 | $398,894 (-2.7%) | $547,159 (-8.2%) | 0.97 | 21,866 |
| 2025-03-01 | $400,000 (-2.4%) | $559,244 (-6.7%) | 0.00 | 23,449 |
Atlanta's median listing price comes in at 0% of the national average.
Atlanta's average listing price for 2025-03-01 was $559,244, a difference of $-40,139 (-6.7%) versus the prior year and $12,085 versus the prior month.
For the 2025-03-01 period, Atlanta had 23,449 MLS listings, a difference of 1,583 listings (7%) versus the prior month and 7,200 listings (44%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Atlanta (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 72 days | 2,584 sqft |
| 2018-02-01 | 62 days | 2,610 sqft |
| 2018-03-01 | 47 days | 2,650 sqft |
| 2018-04-01 | 46 days | 2,710 sqft |
| 2018-05-01 | 45 days | 2,705 sqft |
| 2018-06-01 | 47 days | 2,681 sqft |
| 2018-07-01 | 48 days | 2,633 sqft |
| 2018-08-01 | 51 days | 2,606 sqft |
| 2018-09-01 | 53 days | 2,590 sqft |
| 2018-10-01 | 57 days | 2,553 sqft |
| 2018-11-01 | 58 days | 2,549 sqft |
| 2018-12-01 | 65 days | 2,528 sqft |
| 2019-01-01 | 70 days | 2,492 sqft |
| 2019-02-01 | 59 days | 2,491 sqft |
| 2019-03-01 | 49 days | 2,530 sqft |
| 2019-04-01 | 47 days | 2,566 sqft |
| 2019-05-01 | 49 days | 2,600 sqft |
| 2019-06-01 | 52 days | 2,585 sqft |
| 2019-07-01 | 55 days | 2,542 sqft |
| 2019-08-01 | 55 days | 2,517 sqft |
| 2019-09-01 | 58 days | 2,492 sqft |
| 2019-10-01 | 59 days | 2,467 sqft |
| 2019-11-01 | 61 days | 2,446 sqft |
| 2019-12-01 | 72 days | 2,417 sqft |
| 2020-01-01 | 72 days | 2,408 sqft |
| 2020-02-01 | 61 days | 2,428 sqft |
| 2020-03-01 | 51 days | 2,434 sqft |
| 2020-04-01 | 52 days | 2,405 sqft |
| 2020-05-01 | 58 days | 2,412 sqft |
| 2020-06-01 | 56 days | 2,430 sqft |
| 2020-07-01 | 58 days | 2,433 sqft |
| 2020-08-01 | 57 days | 2,408 sqft |
| 2020-09-01 | 53 days | 2,355 sqft |
| 2020-10-01 | 53 days | 2,320 sqft |
| 2020-11-01 | 56 days | 2,272 sqft |
| 2020-12-01 | 62 days | 2,233 sqft |
| 2021-01-01 | 58 days | 2,214 sqft |
| 2021-02-01 | 44 days | 2,197 sqft |
| 2021-03-01 | 39 days | 2,206 sqft |
| 2021-04-01 | 36 days | 2,250 sqft |
| 2021-05-01 | 35 days | 2,249 sqft |
| 2021-06-01 | 34 days | 2,265 sqft |
| 2021-07-01 | 33 days | 2,252 sqft |
| 2021-08-01 | 38 days | 2,234 sqft |
| 2021-09-01 | 42 days | 2,212 sqft |
| 2021-10-01 | 44 days | 2,182 sqft |
| 2021-11-01 | 43 days | 2,184 sqft |
| 2021-12-01 | 48 days | 2,161 sqft |
| 2022-01-01 | 52 days | 2,133 sqft |
| 2022-02-01 | 36 days | 2,121 sqft |
| 2022-03-01 | 33 days | 2,122 sqft |
| 2022-04-01 | 32 days | 2,188 sqft |
| 2022-05-01 | 30 days | 2,242 sqft |
| 2022-06-01 | 27 days | 2,314 sqft |
| 2022-07-01 | 29 days | 2,300 sqft |
| 2022-08-01 | 36 days | 2,281 sqft |
| 2022-09-01 | 41 days | 2,269 sqft |
| 2022-10-01 | 44 days | 2,251 sqft |
| 2022-11-01 | 49 days | 2,232 sqft |
| 2022-12-01 | 59 days | 2,200 sqft |
| 2023-01-01 | 66 days | 2,195 sqft |
| 2023-02-01 | 51 days | 2,190 sqft |
| 2023-03-01 | 46 days | 2,221 sqft |
| 2023-04-01 | 43 days | 2,250 sqft |
| 2023-05-01 | 40 days | 2,282 sqft |
| 2023-06-01 | 39 days | 2,307 sqft |
| 2023-07-01 | 40 days | 2,285 sqft |
| 2023-08-01 | 41 days | 2,274 sqft |
| 2023-09-01 | 43 days | 2,253 sqft |
| 2023-10-01 | 43 days | 2,240 sqft |
| 2023-11-01 | 45 days | 2,219 sqft |
| 2023-12-01 | 53 days | 2,200 sqft |
| 2024-01-01 | 56 days | 2,170 sqft |
| 2024-02-01 | 43 days | 2,164 sqft |
| 2024-03-01 | 41 days | 2,160 sqft |
| 2024-04-01 | 39 days | 2,163 sqft |
| 2024-05-01 | 39 days | 2,182 sqft |
| 2024-06-01 | 42 days | 2,205 sqft |
| 2024-07-01 | 44 days | 2,206 sqft |
| 2024-08-01 | 47 days | 2,177 sqft |
| 2024-09-01 | 50 days | 2,169 sqft |
| 2024-10-01 | 51 days | 2,165 sqft |
| 2024-11-01 | 59 days | 2,138 sqft |
| 2024-12-01 | 65 days | 2,110 sqft |
| 2025-01-01 | 66 days | 2,100 sqft |
| 2025-02-01 | 58 days | 2,086 sqft |
| 2025-03-01 | 0 days | 2,102 sqft |
Atlanta's median square footage for active listings during the 2025-03-01 period was 2,102 sqft. One year prior, the average listing was 2,160 sqft.