Atlanta VA Loan Rates, Closing Costs & Stats

ATLANTA-SANDY SPRINGS-ALPHARETTA, GA

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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.

    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 0.52% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Atlanta's average VA mortgage closing costs are $6,642.

    The average rate for the prior week (2025-06-13) was 6.97% and one month ago for the week of 2025-05-16, the average rate was 6.63%.

    The average rate one year ago was 6.93%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.1%.

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

    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.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 1,164 5.93% $8,819
    Mortgage Research Center, LLC 1,144 6.40% $5,841
    QUICKEN LOANS, LLC 785 6.04% $11,764
    FREEDOM MORTGAGE CORPORATION 681 6.13% $8,982
    NAVY FEDERAL CREDIT UNION 333 5.88% $6,281
    PENNYMAC LOAN SERVICES, LLC 311 5.70% $8,989
    VILLAGE CAPITAL MORTGAGE 288 5.76% $7,504
    LOANDEPOT.COM, LLC 242 5.83% $11,034
    DHI MORTGAGE COMPANY, LTD. 179 5.29% $5,915
    BROKER SOLUTIONS, INC. 174 6.27% $11,812
    USAA Federal Savings Bank 157 6.24% $7,947
    Ameris Bank 156 6.17% $8,733
    NEW DAY FINANCIAL, LLC 145 7.51% $13,331
    NEWREZ LLC 139 6.02% $7,583
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 132 6.32% $7,860
    CROSSCOUNTRY MORTGAGE, LLC 128 6.30% $9,716
    MOVEMENT MORTGAGE, LLC 127 6.08% $12,714
    GUILD MORTGAGE COMPANY 123 6.06% $11,758
    The Federal Savings Bank 116 6.26% $18,337
    GUARANTEED RATE, INC. 114 6.15% $8,127
    PLANET HOME LENDING, LLC 112 5.86% $4,974
    MORTGAGE SOLUTIONS OF COLORADO, LLC 99 7.23% $4,563
    Mr. Cooper ( Nationstar Mortgage ) 91 6.16% $10,391
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 88 6.27% $10,059
    BANKSOUTH MORTGAGE COMPANY, LLC 75 6.19% $11,906
    Magnolia Bank 74 6.02% $15,169
    Presidential Bank, FSB 71 6.24% $8,682
    VANDERBILT MORTGAGE AND FINANCE, INC. 69 6.11% $6,039
    PULTE MORTGAGE LLC 68 5.50% $4,058
    CANOPY MORTGAGE, LLC 64 6.25% $19,509
    EVERETT FINANCIAL, INC. 63 6.59% $12,112
    Prosperity Home Mortgage, LLC 61 6.13% $9,580
    Equity Prime Mortgage LLC 60 6.58% $9,759
    Lakeview Community Capital, LLC 60 5.73% $6,096
    Carrington Mortgage Services, LLC 56 6.00% $10,750
    CMG MORTGAGE, INC. 56 5.81% $9,823
    CLEARPATH LENDING 52 5.72% $9,760
    ZILLOW HOME LOANS, LLC 50 6.29% $8,227
    LAKEVIEW LOAN SERVICING, LLC 50 5.78% $5,655
    Flagstar Bank, FSB 50 6.07% $9,156
    PENTAGON FEDERAL CREDIT UNION 47 5.92% $7,523
    Barrington Bank & Trust Company, N.A. 46 6.32% $8,067
    MUTUAL OF OMAHA MORTGAGE, INC. 46 6.16% $17,789
    EAGLE HOME MORTGAGE, LLC 42 4.84% $3,870
    HOMESIDE FINANCIAL, LLC 36 6.34% $11,895
    AMERICAN PACIFIC MORTGAGE CORPORATION 36 6.26% $11,231
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 35 6.01% $7,242
    HOMEOWNERS FINANCIAL GROUP USA, LLC 34 6.16% $8,503
    Century Mortgage Company DBA Century Lending Company 33 6.28% $8,531
    FBC MORTGAGE, LLC 33 5.46% $6,323
    GUARANTEED RATE AFFINITY, LLC 32 6.26% $9,462
    INSPIRE HOME LOANS INC. 32 5.49% $8,303
    AMERICAN FINANCIAL NETWORK, INC. 32 6.19% $7,087
    JPMorgan Chase Bank 31 5.78% $5,268
    NBKC BANK 31 5.84% $7,478
    MILEND, INC. 30 6.49% $19,516
    AMERICAN FINANCING CORPORATION 29 5.95% $13,336
    SWBC MORTGAGE CORPORATION 29 6.17% $6,150
    FIRST COMMUNITY MORTGAGE, INC. 29 6.56% $7,342
    PRIMELENDING, A PLAINSCAPITAL COMPANY 28 6.41% $6,143
    NFM, INC. 28 6.35% $12,102
    First Heritage Mortgage, LLC 27 5.96% $15,663
    NVR Mortgage Finance, Inc. 26 5.79% $5,792
    First Federal Bank 25 5.82% $6,415
    Paramount Residential Mortgage Group, Inc. 24 6.31% $10,413
    Mid-Continent Funding, Inc. 24 5.91% $6,829
    ACOPIA, LLC 24 6.38% $6,528
    Renasant Bank 24 6.09% $10,038
    HOMEBRIDGE FINANCIAL SERVICES, INC. 24 6.58% $6,088
    UNION HOME MORTGAGE CORP. 23 5.92% $10,027
    AMERISAVE MORTGAGE CORPORATION 23 5.64% $18,108
    PLAZA HOME MORTGAGE, INC. 23 6.30% $11,235
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 22 6.48% $7,752
    DIRECT LENDERS, LLC 21 5.85% $5,650
    LOANPAL, LLC 21 5.86% $14,472
    AmeriHome Mortgage Company, LLC 21 6.05% $5,883
    CARDINAL FINANCIAL 19 6.55% $10,622
    Truist 19 6.08% $6,576
    SOUTHPOINT FINANCIAL SERVICES, INC. 19 6.56% $7,773
    Wells Fargo Bank 18 5.90% $6,302
    MORTGAGEONE, INC. 17 7.10% $5,407
    South Pacific Financial Corporation 17 5.35% $4,551
    Capital City Home Loans, LLC 16 6.40% $13,546
    Nations Lending Corporation 16 6.18% $14,445
    SECURITYNATIONAL MORTGAGE COMPANY 15 6.21% $10,991
    SUN WEST MORTGAGE COMPANY, INC. 15 5.73% $10,606
    TJC Mortgage, Inc. 15 5.87% $11,191
    RELIANCE FIRST CAPITAL, LLC 14 6.53% $12,615
    Cornerstone First Mortgage, Inc 14 6.29% $12,993
    PHH Mortgage Corporation 14 5.86% $5,689
    Plains Commerce Bank 14 6.26% $7,496
    Regions Bank 14 6.21% $13,189
    South State Bank 14 6.14% $6,659
    SUCCESS MORTGAGE PARTNERS, INC. 14 6.12% $12,990
    Armed Forces Bank 13 6.01% $8,600
    Credence Funding Corporation 13 5.60% $5,921
    ENVOY MORTGAGE, LTD 12 6.56% $9,260
    United Community Bank 12 5.88% $9,260
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 12 5.70% $13,250
    BAY EQUITY LLC 12 6.28% $11,214
    STOCKTON MORTGAGE CORPORATION 12 6.23% $9,119
    VERITAS FUNDING, LLC 12 6.44% $24,024
    Synovus Bank 11 5.95% $7,203
    FIRST CONTINENTAL MORTGAGE, LTD. 11 5.93% $5,227
    Ixonia Bank 10 6.13% $16,505
    PREMIA MORTGAGE, LLC 10 5.62% $9,832
    AMERICAN FINANCIAL RESOURCES, INC. 10 6.58% $16,212
    VICTORY MORTGAGE, L.L.C. 10 5.76% $6,337
    Mortgage Assurance Inc. 9 6.06% $11,020
    BancorpSouth 9 6.32% $8,151
    VAN DYK MORTGAGE CORPORATION 8 6.14% $8,861
    TOWNE MORTGAGE COMPANY 8 6.47% $14,290
    The Loan Store, Inc. 7 5.93% $13,724
    Alcova Mortgage LLC 7 6.23% $8,461
    BAYSHORE MORTGAGE FUNDING, LLC 7 5.46% $9,039
    INTELLILOAN, INC. 7 6.21% $2,743
    SUMMIT FUNDING, INC. 7 6.52% $4,853
    US MORTGAGE CORPORATION 6 5.96% $7,773
    CALCON MUTUAL MORTGAGE LLC 6 6.46% $12,471
    Northpointe Bank 6 6.35% $13,426
    NORWICH COMMERCIAL GROUP, INC. 6 5.75% $8,311
    GENEVA FINANCIAL, LLC 6 6.94% $9,718
    Texana Bank 6 6.52% $12,795
    TBI MORTGAGE COMPANY 6 5.98% $7,323
    T2 FINANCIAL LLC 6 6.44% $17,408
    SHELTER HOME MORTGAGE, LLC 6 6.33% $11,265
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 6 6.31% $5,986
    FirstBank 5 6.03% $16,670
    First Option Mortgage, LLC 5 6.95% $9,171
    CityWorth Mortgage LLC 5 6.28% $12,745
    OCMBC, INC. 5 6.15% $8,707
    PREMIER MORTGAGE RESOURCES, L.L.C. 5 6.28% $14,435
    CONTOUR MORTGAGE CORPORATION 5 6.25% $9,294
    JMAC LENDING, INC. 5 5.93% $5,098
    ALLIED MORTGAGE GROUP, INC. 5 6.15% $9,430
    GoPrime Mortgage, Inc. 5 6.23% $16,616
    FIRST COLONY MORTGAGE CORPORATION 5 6.23% $7,373
    DAS Acquisition Company, LLC 4 6.31% $4,208
    Hometown Equity Mortgage, LLC 4 7.00% $9,550
    GMFS LLC 4 6.19% $7,818
    CITY FIRST MORTGAGE SERVICES, L.L.C. 4 6.69% $12,675
    GUARANTY MORTGAGE SERVICES, L.L.C. 4 6.44% $14,615
    CHURCHILL MORTGAGE CORPORATION 4 6.56% $12,170
    PRIMARY RESIDENTIAL MORTGAGE, INC. 4 6.47% $11,851
    TOP FLITE FINANCIAL, INC. 4 6.78% $21,608
    MEMBER FIRST MORTGAGE, LLC 4 6.47% $5,395
    Colony Bank 4 6.56% $2,410
    MORTGAGE ACCESS CORP. 3 6.00% $7,409
    Goldwater Bank, N.A. 3 6.38% $8,575
    First Horizon Bank 3 5.83% $17,437
    HomePromise Corporation 3 7.63% $11,159
    FIRST ALLIANCE HOME MORTGAGE, LLC 3 5.75% $5,950
    LOANFLIGHT LENDING, LLC 3 5.96% $10,569
    MORTGAGE INVESTORS GROUP, INC. 3 5.96% $6,165
    NATIONS DIRECT MORTGAGE, LLC 3 6.75% $5,712
    NATIONS RELIABLE LENDING, LLC 3 6.54% $16,305
    NATIONWIDE MORTGAGE BANKERS, INC. 3 6.46% $11,758
    COMMUNITY MORTGAGE CORPORATION 3 6.21% $10,099
    North American Savings Bank, F.S.B. 3 6.38% $3,862
    Old National Bank 3 5.75% $8,434
    RADIUS FINANCIAL GROUP INC. 3 6.92% $11,317
    Residential Mortgage Solutions, Inc. 3 6.00% $7,190
    RUOFF MORTGAGE COMPANY, INC. 3 6.08% $7,104
    ATLANTA POSTAL 3 6.58% $8,485
    Wolfe Financial, Inc 3 6.71% $8,625
    American Mortgage & Equity Consultants, Inc. 3 6.42% $10,498
    Franklin Loan Corporation 3 5.83% $11,714
    Pinnacle Bank 2 6.38% $5,285
    BETTER MORTGAGE CORPORATION 2 5.44% $8,676
    MY MORTGAGE, INC. 2 6.81% $10,633
    Princeton Mortgage Corporation 2 6.44% $13,357
    Bank of England 2 6.38% $4,343
    Bank of America 2 6.56% $4,846
    Residential Acceptance Corporation 2 7.81% $12,876
    ROYAL UNITED MORTGAGE LLC 2 6.13% $13,010
    SANCTUARY HOME MORTGAGE LLC 2 6.12% $18,332
    SIRVA MORTGAGE, INC. 2 6.06% $0
    Atlantic Coast Mortgage, LLC 2 5.87% $5,032
    Gateway First Bank 2 6.00% $8,540
    ALAMEDA MORTGAGE CORPORATION 2 6.88% $20,172
    Arvest Bank 2 5.69% $7,104
    MICHIGAN MUTUAL, INC. 2 5.94% $8,718
    The Central Trust Bank 2 6.00% $11,711
    The Huntington National Bank 2 6.69% $13,372
    EUSTIS AND AMERICAN MORTGAGE COMPANY 2 6.25% $6,054
    American Security Mortgage Corp. 2 5.88% $5,300
    LENOX FINANCIAL MORTGAGE CORPORATION 2 6.13% $3,447
    LEADERONE FINANCIAL CORPORATION 2 6.56% $10,267
    American Mortgage Bank, LLC 2 6.44% $2,660
    Fifth Third Bank 2 6.31% $5,519
    U.S. Bank 2 5.75% $18,197
    Keystone Funding, Inc. 2 6.44% $9,184
    ISERVE RESIDENTIAL LENDING, LLC 2 7.13% $15,631
    INTERCOASTAL MORTGAGE COMPANY 2 7.38% $2,524
    FIRST CHOICE MORTGAGE, INC. 2 6.63% $8,423
    HOMESPIRE MORTGAGE CORPORATION 1 6.75% $4,978
    UNITED MORTGAGE CORP 1 6.50% $8,196
    Southern First Bank 1 6.63% $3,769
    PANORAMA MORTGAGE GROUP, LLC 1 6.75% $20,452
    SouthPoint Bank 1 5.38% $7,233
    Assurance Financial Group, L.L.C. 1 6.63% $20,980
    First State Bank of St. Charles, Missouri 1 5.63% $17,055
    SOVEREIGN LENDING GROUP INCORPORATED 1 5.88% $3,374
    Stifel Bank and Trust 1 6.25% $3,408
    EMBRACE HOME LOANS, INC. 1 5.49% $4,732
    Strong Home Mortgage, LLC 1 5.75% $4,625
    UNIVERSAL MORTGAGE & FINANCE, INC. 1 6.75% $5,498
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.63% $11,927
    University Bank 1 5.50% $20,943
    ENDEAVOR CAPITAL, LLC. 1 6.25% $5,531
    Midwest Mortgage Associates Corporation 1 7.13% $8,280
    MID AMERICA MORTGAGE, INC. 1 6.63% $6,703
    Paramount Bank 1 5.88% $3,852
    Meridian Bank Corporation 1 6.75% $6,999
    NORTHPOINT MORTGAGE, INC. 1 6.75% $37,466
    AMERITRUST MORTGAGE CORPORATION 1 7.25% $2,587
    The Freedom Bank of Virginia 1 6.49% $18,879
    Blue Ridge Bank 1 6.49% $3,541
    CAPITAL CENTER, L.L.C. 1 6.13% $0
    PNC Bank 1 6.63% $3,511
    NATION ONE MORTGAGE CORPORATION 1 6.75% $1,645
    NASA Federal Credit Union 1 5.88% $24,239
    BAY-VALLEY MORTGAGE GROUP 1 5.63% $10,065
    NBH Bank 1 6.25% $2,503
    CRESCENT MORTGAGE COMPANY 1 5.38% $742
    Waterstone Mortgage Corporation 1 6.13% $17,767
    M&T Bank 1 7.00% $4,163
    BankPlus 1 6.63% $2,656
    Queensborough National Bank & Trust Company 1 6.13% $6,168
    Evolve Bank & Trust 1 6.75% $19,249
    ALLIANT CREDIT UNION 1 6.75% $1,455
    WesBanco 1 5.75% $2,953
    ABSOLUTE HOME MORTGAGE CORPORATION 1 7.25% $16,961
    TOTAL MORTGAGE SERVICES, LLC 1 5.49% $5,707
    Farmers Bank & Trust 1 6.00% $9,050
    V.I.P. MORTGAGE, INC. 1 5.63% $16,666
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 4.99% $13,490
    ROSS MORTGAGE CORPORATION 1 6.63% $7,042
    Countybank 1 6.63% $2,708
    First Western Trust Bank 1 6.75% $2,392
    GERSHMAN INVESTMENT CORP. 1 7.00% $7,868
    SeaTrust Mortgage Company 1 6.63% $18,488
    DATA MORTGAGE, INC. 1 6.13% $3,696
    East Coast Capital Corp. 1 6.25% $835

    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%).

    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.