Granbury VA Loan Rates, Closing Costs & Stats

Granbury, 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.

    Granbury's 59 lenders originated 211 VA loans during 2024. The total origination value was $79,235,000, with an average VA loan value of $375,521.

    Granbury VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Granbury averaged 6.61% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Granbury's average VA mortgage closing costs are $7,171.

    The average rate for the prior week (2025-03-28) was 6.53% and one month ago for the week of 2025-02-28, the average rate was 6.61%.

    The average rate one year ago was 6.92%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.01%.

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

    Granbury 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 Granbury level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 23 6.44% $8,273
    UNITED WHOLESALE MORTGAGE, LLC 20 5.87% $7,994
    QUICKEN LOANS, LLC 12 6.05% $8,348
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 8 6.52% $6,378
    CARDINAL FINANCIAL 8 6.50% $16,033
    First Financial Bank 7 5.95% $5,868
    SFMC, LP 7 5.98% $13,014
    PENNYMAC LOAN SERVICES, LLC 6 5.71% $8,336
    GUILD MORTGAGE COMPANY 6 6.65% $6,486
    CMG MORTGAGE, INC. 6 6.29% $10,169
    DHI MORTGAGE COMPANY, LTD. 6 4.58% $9,430
    Equity Prime Mortgage LLC 5 6.85% $6,680
    FREEDOM MORTGAGE CORPORATION 5 6.20% $6,987
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 8.06% $2,788
    LOANDEPOT.COM, LLC 4 6.72% $10,747
    NAVY FEDERAL CREDIT UNION 4 6.00% $8,588
    AmeriHome Mortgage Company, LLC 4 6.03% $6,518
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.25% $9,683
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.31% $10,610
    USAA Federal Savings Bank 3 6.13% $3,471
    HOMESIDE FINANCIAL, LLC 3 6.16% $11,876
    Academy Bank 2 5.75% $4,417
    Barrington Bank & Trust Company, N.A. 2 6.75% $13,860
    First United Bank and Trust Company 2 6.38% $7,463
    GARDNER FINANCIAL SERVICES, LTD. 2 5.81% $15,815
    GUARANTEED RATE, INC. 2 6.19% $7,719
    LAKEVIEW LOAN SERVICING, LLC 2 5.25% $8,704
    MORTGAGE FINANCIAL SERVICES, LLC 2 6.19% $8,457
    Mr. Cooper ( Nationstar Mortgage ) 2 6.50% $2,620
    NEWREZ LLC 2 6.25% $7,207
    Paramount Residential Mortgage Group, Inc. 2 6.38% $5,882
    PLANET HOME LENDING, LLC 2 4.25% $4,293
    Sierra Pacific Mortgage Company, Inc. 2 5.99% $9,448
    TOWNE MORTGAGE COMPANY 2 5.74% $11,738
    SWBC MORTGAGE CORPORATION 1 6.63% $28,895
    DIRECTIONS EQUITY, LLC 1 6.38% $11,110
    CROSSCOUNTRY MORTGAGE, LLC 1 5.75% $9,124
    THE MORTGAGE LINK, INC. 1 6.49% $10,593
    NATIONS RELIABLE LENDING, LLC 1 6.13% $2,895
    CLEARPATH LENDING 1 5.75% $4,231
    Wells Fargo Bank 1 7.13% $3,433
    NFM, INC. 1 7.25% $7,657
    AMERICAN FINANCIAL NETWORK, INC. 1 7.13% $4,484
    CHURCHILL MORTGAGE CORPORATION 1 6.75% $9,260
    ALLIED MORTGAGE GROUP, INC. 1 6.25% $11,182
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.25% $7,562
    CANOPY MORTGAGE, LLC 1 6.63% $5,069
    BAY EQUITY LLC 1 6.75% $14,825
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.63% $22,134
    Armed Forces Bank 1 6.25% $7,528
    Waterstone Mortgage Corporation 1 6.13% $7,511
    Gateway First Bank 1 6.00% $20,473
    Flagstar Bank, FSB 1 5.75% $9,154
    Lakeview Community Capital, LLC 1 5.63% $3,753
    SOUTHWEST STAGE FUNDING, LLC 1 5.75% $0
    Encompass Lending Group, LP 1 7.00% $5,605
    LOANPEOPLE, LLC 1 7.25% $10,335
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.63% $13,382
    Mid-Continent Funding, Inc. 1 6.25% $4,500

    The top Granbury VA lender as defined by loan originations is Mortgage Research Center, LLC, with 23 VA loans originated. Their average total fees are $8,273, which is $279 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Granbury VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($7,994), Mortgage Research Center, LLC ($8,273), QUICKEN LOANS, LLC ($8,348), .

    The lowest rate Granbury VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.87%), QUICKEN LOANS, LLC (6.05%), Mortgage Research Center, LLC (6.44%), .

    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.