Cedartown VA Loan Rates, Closing Costs & Stats
Cedartown, 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.
Cedartown's 21 lenders originated 60 VA loans during 2024. The total origination value was $16,920,000, with an average VA loan value of $282,000.
Cedartown VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Cedartown
averaged
0.22%
for the week of 2025-06-20, compared to the national average (all VA variants) of
0% for the same period.
Cedartown's average VA mortgage closing costs are $5,645.
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 7.03%.
The average rate one year ago was 6.73%.
For refis of the same type during the week of 2025-06-20, the average rate
was 0.2%.
Cedartown 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 Cedartown level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Mortgage Research Center, LLC | 9 | 6.19% | $4,313 |
| UNITED WHOLESALE MORTGAGE, LLC | 8 | 6.08% | $6,135 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 5 | 6.90% | $5,126 |
| PENNYMAC LOAN SERVICES, LLC | 5 | 5.60% | $7,176 |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | 7.17% | $10,724 |
| Ameris Bank | 3 | 6.25% | $5,370 |
| FREEDOM MORTGAGE CORPORATION | 3 | 6.04% | $7,884 |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | 7.75% | $2,447 |
| QUICKEN LOANS, LLC | 2 | 6.25% | $14,717 |
| Mr. Cooper ( Nationstar Mortgage ) | 2 | 5.94% | $1,984 |
| EVANSVILLE TEACHERS | 1 | 5.75% | $8,640 |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | 4.99% | $13,595 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 6.69% | $14,419 |
| PLAZA HOME MORTGAGE, INC. | 1 | 6.63% | $12,196 |
| STOCKTON MORTGAGE CORPORATION | 1 | 7.00% | $11,778 |
| The Federal Savings Bank | 1 | 6.50% | $12,193 |
| BANKSOUTH MORTGAGE COMPANY, LLC | 1 | 6.49% | $4,812 |
| Flagstar Bank, FSB | 1 | 7.25% | $1,350 |
| GUARANTEED RATE, INC. | 1 | 6.63% | $1,503 |
| USAA Federal Savings Bank | 1 | 5.00% | $13,637 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | 6.50% | $10,431 |
The top Cedartown VA lender as defined by loan originations is Mortgage Research Center, LLC, with
9 VA loans originated. Their average total fees are
$4,313, which is $1,822
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Cedartown VA lenders (with over 10 loans originated) are
.
The lowest rate Cedartown VA lenders (with over 10 loans originated) are
.