Hinesville VA Loan Rates, Closing Costs & Stats

HINESVILLE, 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.

    Hinesville's 116 lenders originated 1,876 VA loans during 2024. The total origination value was $515,070,000, with an average VA loan value of $274,558.

    Hinesville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Hinesville averaged 6.34% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Hinesville's average VA mortgage closing costs are $6,048.

    The average rate for the prior week (2025-03-28) was 6.36% and one month ago for the week of 2025-02-28, the average rate was 6.23%.

    The average rate one year ago was 6.44%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.59%.

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

    Hinesville 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 Hinesville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 391 6.57% $6,532
    UNITED WHOLESALE MORTGAGE, LLC 232 6.07% $6,958
    BROKER SOLUTIONS, INC. 106 6.50% $10,291
    FREEDOM MORTGAGE CORPORATION 104 6.29% $7,353
    VANDERBILT MORTGAGE AND FINANCE, INC. 103 5.96% $8,381
    NAVY FEDERAL CREDIT UNION 74 5.85% $6,938
    QUICKEN LOANS, LLC 73 6.10% $8,775
    PENNYMAC LOAN SERVICES, LLC 59 5.83% $7,439
    MORTGAGE SOLUTIONS OF COLORADO, LLC 58 7.01% $5,248
    GUILD MORTGAGE COMPANY 56 6.31% $10,129
    VILLAGE CAPITAL MORTGAGE 38 5.98% $5,652
    DHI MORTGAGE COMPANY, LTD. 27 6.16% $8,073
    NEWREZ LLC 26 6.03% $6,489
    Equity Prime Mortgage LLC 25 6.94% $8,181
    GUARANTEED RATE, INC. 23 6.34% $6,441
    PLANET HOME LENDING, LLC 23 6.08% $5,431
    NEW DAY FINANCIAL, LLC 22 7.58% $10,278
    MOVEMENT MORTGAGE, LLC 22 6.53% $9,600
    USAA Federal Savings Bank 19 6.26% $10,091
    Plains Commerce Bank 17 6.46% $9,435
    The Federal Savings Bank 14 6.42% $12,725
    Paramount Residential Mortgage Group, Inc. 13 6.56% $6,510
    LOANDEPOT.COM, LLC 13 5.96% $9,610
    CROSSCOUNTRY MORTGAGE, LLC 12 6.06% $7,626
    OCMBC, INC. 12 6.55% $7,478
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 6.53% $7,246
    CMG MORTGAGE, INC. 8 6.38% $8,717
    Prosperity Home Mortgage, LLC 8 6.25% $8,219
    AmeriHome Mortgage Company, LLC 7 6.16% $4,005
    LAKEVIEW LOAN SERVICING, LLC 7 5.86% $5,635
    CLEARPATH LENDING 6 5.79% $4,225
    Century Mortgage Company DBA Century Lending Company 6 6.15% $8,928
    Ameris Bank 6 5.46% $10,569
    SUMMIT FUNDING, INC. 6 7.17% $9,384
    TOWNE MORTGAGE COMPANY 6 6.46% $7,028
    Magnolia Bank 6 5.71% $12,379
    SUN WEST MORTGAGE COMPANY, INC. 5 7.27% $7,317
    Mr. Cooper ( Nationstar Mortgage ) 5 6.00% $7,198
    CARDINAL FINANCIAL 5 7.23% $13,374
    Carrington Mortgage Services, LLC 5 5.93% $9,010
    NBKC BANK 4 6.06% $8,931
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 4 5.63% $8,035
    SWBC MORTGAGE CORPORATION 4 7.13% $6,547
    Flagstar Bank, FSB 4 5.74% $6,044
    BANKSOUTH MORTGAGE COMPANY, LLC 4 6.16% $7,488
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 6.50% $2,158
    MORTGAGEONE, INC. 3 6.58% $3,695
    PENTAGON FEDERAL CREDIT UNION 3 5.96% $5,678
    Lakeview Community Capital, LLC 3 5.88% $4,803
    DAS Acquisition Company, LLC 3 6.83% $7,930
    AMERISAVE MORTGAGE CORPORATION 3 5.88% $9,546
    AMERICAN FINANCIAL NETWORK, INC. 3 6.54% $3,704
    ALLIED MORTGAGE GROUP, INC. 3 5.58% $7,477
    Armed Forces Bank 3 6.04% $8,700
    Credence Funding Corporation 3 5.88% $4,278
    GoPrime Mortgage, Inc. 3 7.13% $5,713
    SOUTHPOINT FINANCIAL SERVICES, INC. 3 7.21% $6,295
    PLAZA HOME MORTGAGE, INC. 3 5.87% $12,866
    MILEND, INC. 3 6.71% $15,479
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.29% $13,966
    Service Federal Credit Union 2 6.50% $5,743
    VERITAS FUNDING, LLC 2 6.63% $17,889
    PHH Mortgage Corporation 2 5.56% $6,136
    LOANPAL, LLC 2 5.69% $7,598
    UNION HOME MORTGAGE CORP. 2 5.63% $5,573
    Mid-Continent Funding, Inc. 2 6.69% $10,176
    NORWICH COMMERCIAL GROUP, INC. 2 6.25% $7,903
    Commerce Home Mortgage, Inc. 2 5.63% $6,717
    MUTUAL OF OMAHA MORTGAGE, INC. 2 5.94% $7,789
    CANOPY MORTGAGE, LLC 2 6.00% $17,476
    ZILLOW HOME LOANS, LLC 1 6.75% $5,689
    Alcova Mortgage LLC 1 6.63% $4,479
    AMERICAN FINANCING CORPORATION 1 6.13% $16,134
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.25% $6,297
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.75% $2,425
    BancorpSouth 1 6.38% $11,180
    Barrington Bank & Trust Company, N.A. 1 6.13% $3,028
    BAY EQUITY LLC 1 6.25% $3,403
    Citizens Bank 1 7.25% $4,051
    Colony Bank 1 6.25% $429
    CONTOUR MORTGAGE CORPORATION 1 6.50% $13,310
    FIRST COMMUNITY MORTGAGE, INC. 1 6.63% $4,690
    First Federal Bank 1 5.75% $5,589
    First Heritage Mortgage, LLC 1 5.25% $6,674
    First United Bank and Trust Company 1 6.38% $15,649
    GERSHMAN INVESTMENT CORP. 1 5.75% $5,260
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.88% $9,835
    HOMESPIRE MORTGAGE CORPORATION 1 7.50% $12,039
    INTELLILOAN, INC. 1 6.25% $4,082
    INTERCOASTAL MORTGAGE COMPANY 1 6.88% $3,348
    Keystone Funding, Inc. 1 6.13% $7,855
    Loan Simple, Inc. 1 6.99% $15,656
    MICHIGAN MUTUAL, INC. 1 6.25% $4,880
    MID AMERICA MORTGAGE, INC. 1 6.13% $7,009
    MORTGAGE INVESTORS GROUP, INC. 1 4.50% $3,315
    M&T Bank 1 5.88% $6,378
    NATION ONE MORTGAGE CORPORATION 1 6.25% $6,971
    NATIONS DIRECT MORTGAGE, LLC 1 6.99% $9,807
    NBH Bank 1 6.63% $6,105
    NFM, INC. 1 6.13% $17,111
    Northpointe Bank 1 6.00% $650
    Old National Bank 1 5.88% $6,894
    PREMIA MORTGAGE, LLC 1 6.13% $0
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.75% $6,167
    Presidential Bank, FSB 1 5.75% $3,682
    RAPID MORTGAGE COMPANY 1 6.99% $13,533
    S1L, Inc. 1 6.63% $5,294
    SeaTrust Mortgage Company 1 6.75% $7,571
    Sierra Pacific Mortgage Company, Inc. 1 7.13% $15,465
    SOUTHERN TRUST MORTGAGE, LLC 1 6.13% $10,715
    Texana Bank 1 6.38% $14,804
    The Loan Store, Inc. 1 4.99% $7,882
    Total Media Management, LLC 1 5.75% $22,955
    TOTAL MORTGAGE SERVICES, LLC 1 6.75% $9,599
    UNITED MORTGAGE CORP 1 5.75% $7,171
    ABSOLUTE HOME MORTGAGE CORPORATION 1 5.75% $4,457

    The top Hinesville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 391 VA loans originated. Their average total fees are $6,532, which is $427 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Hinesville VA lenders (with over 10 loans originated) are MORTGAGE SOLUTIONS OF COLORADO, LLC ($5,248), PLANET HOME LENDING, LLC ($5,431), VILLAGE CAPITAL MORTGAGE ($5,652), GUARANTEED RATE, INC. ($6,441) and NEWREZ LLC ($6,489).

    The lowest rate Hinesville VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.83%), NAVY FEDERAL CREDIT UNION (5.85%), VANDERBILT MORTGAGE AND FINANCE, INC. (5.96%), LOANDEPOT.COM, LLC (5.96%) and VILLAGE CAPITAL MORTGAGE (5.98%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Hinesville (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 $162,500 (8.4%) $181,264 (13.2%) 0.00 419
    2018-02-01 $160,000 (5.9%) $174,249 (6.0%) 0.00 433
    2018-03-01 $164,900 (7.3%) $174,040 (4.6%) 0.00 478
    2018-04-01 $164,900 (6.5%) $174,739 (5.5%) 0.00 481
    2018-05-01 $162,400 (3.9%) $174,558 (4.4%) 0.00 482
    2018-06-01 $164,500 (5.8%) $178,160 (5.5%) 0.00 468
    2018-07-01 $169,900 (6.2%) $197,012 (13.7%) 0.00 506
    2018-08-01 $169,275 (4.2%) $197,850 (12.4%) 0.00 489
    2018-09-01 $170,000 (6.3%) $199,431 (10.8%) 0.00 490
    2018-10-01 $172,000 (8.4%) $201,864 (13.6%) 0.00 500
    2018-11-01 $174,425 (7.7%) $204,500 (13.2%) 0.00 481
    2018-12-01 $167,775 (2.3%) $200,260 (9.8%) 0.00 491
    2019-01-01 $168,673 (3.8%) $200,367 (10.5%) 0.00 488
    2019-02-01 $165,998 (3.8%) $198,046 (13.7%) 0.00 499
    2019-03-01 $166,811 (1.2%) $196,720 (13.0%) 0.00 494
    2019-04-01 $165,189 (0.2%) $195,033 (11.6%) 0.00 487
    2019-05-01 $165,700 (2.0%) $196,022 (12.3%) 0.00 487
    2019-06-01 $163,450 (-0.6%) $193,785 (8.8%) 0.00 482
    2019-07-01 $159,945 (-5.9%) $190,992 (-3.1%) 0.00 478
    2019-08-01 $160,282 (-5.3%) $191,034 (-3.5%) 0.00 463
    2019-09-01 $160,855 (-5.4%) $193,567 (-2.9%) 0.00 451
    2019-10-01 $163,100 (-5.2%) $195,430 (-3.2%) 0.00 444
    2019-11-01 $170,925 (-2.0%) $204,397 (-0.1%) 0.00 452
    2019-12-01 $173,825 (3.6%) $204,796 (2.3%) 0.00 455
    2020-01-01 $177,381 (5.2%) $208,115 (3.9%) 0.00 426
    2020-02-01 $181,325 (9.2%) $215,837 (9.0%) 0.00 418
    2020-03-01 $179,933 (7.9%) $218,075 (10.9%) 0.00 417
    2020-04-01 $183,475 (11.1%) $219,891 (12.8%) 0.00 397
    2020-05-01 $185,813 (12.1%) $222,132 (13.3%) 0.00 361
    2020-06-01 $184,728 (13.0%) $223,317 (15.2%) 0.00 320
    2020-07-01 $188,875 (18.1%) $210,002 (10.0%) 0.00 320
    2020-08-01 $189,900 (18.5%) $210,270 (10.1%) 0.00 290
    2020-09-01 $189,950 (18.1%) $212,323 (9.7%) 0.00 269
    2020-10-01 $193,990 (18.9%) $212,363 (8.7%) 0.00 246
    2020-11-01 $195,348 (14.3%) $210,465 (3.0%) 0.00 252
    2020-12-01 $198,350 (14.1%) $211,618 (3.3%) 0.00 251
    2021-01-01 $199,691 (12.6%) $213,276 (2.5%) 0.00 250
    2021-02-01 $210,448 (16.1%) $223,265 (3.4%) 0.00 237
    2021-03-01 $207,400 (15.3%) $234,052 (7.3%) 0.00 176
    2021-04-01 $234,700 (27.9%) $268,794 (22.2%) 0.00 147
    2021-05-01 $239,500 (28.9%) $269,099 (21.1%) 0.00 141
    2021-06-01 $239,694 (29.8%) $268,092 (20.1%) 0.00 140
    2021-07-01 $240,050 (27.1%) $269,767 (28.5%) 0.00 138
    2021-08-01 $249,972 (31.6%) $268,338 (27.6%) 0.00 141
    2021-09-01 $248,236 (30.7%) $281,722 (32.7%) 0.00 140
    2021-10-01 $250,000 (28.9%) $281,962 (32.8%) 0.00 169
    2021-11-01 $254,190 (30.1%) $289,125 (37.4%) 0.00 140
    2021-12-01 $285,837 (44.1%) $309,034 (46.0%) 0.00 149
    2022-01-01 $275,837 (38.1%) $296,249 (38.9%) 0.00 112
    2022-02-01 $274,057 (30.2%) $301,774 (35.2%) 0.00 84
    2022-03-01 $281,788 (35.9%) $298,385 (27.5%) 0.00 104
    2022-04-01 $267,940 (14.2%) $295,255 (9.8%) 0.00 113
    2022-05-01 $275,749 (15.1%) $291,287 (8.3%) 0.00 179
    2022-06-01 $275,448 (14.9%) $295,823 (10.3%) 0.00 214
    2022-07-01 $275,995 (15.0%) $299,840 (11.2%) 0.00 223
    2022-08-01 $269,971 (8.0%) $290,153 (8.1%) 0.00 246
    2022-09-01 $271,874 (9.5%) $291,514 (3.5%) 0.00 234
    2022-10-01 $268,100 (7.2%) $286,921 (1.8%) 0.00 247
    2022-11-01 $268,431 (5.6%) $292,389 (1.1%) 0.00 260
    2022-12-01 $268,300 (-6.1%) $289,853 (-6.2%) 0.00 267
    2023-01-01 $268,838 (-2.5%) $290,867 (-1.8%) 0.00 254
    2023-02-01 $271,125 (-1.1%) $296,468 (-1.8%) 0.00 254
    2023-03-01 $270,125 (-4.1%) $296,852 (-0.5%) 0.00 250
    2023-04-01 $274,835 (2.6%) $299,964 (1.6%) 0.00 229
    2023-05-01 $277,350 (0.6%) $305,715 (5.0%) 0.00 228
    2023-06-01 $279,888 (1.6%) $306,247 (3.5%) 0.00 229
    2023-07-01 $282,900 (2.5%) $314,750 (5.0%) 0.00 240
    2023-08-01 $279,813 (3.7%) $302,517 (4.3%) 0.00 260
    2023-09-01 $283,525 (4.3%) $305,964 (5.0%) 0.00 325
    2023-10-01 $285,180 (6.4%) $309,721 (8.0%) 0.00 360
    2023-11-01 $284,975 (6.2%) $311,332 (6.5%) 0.00 379
    2023-12-01 $283,663 (5.7%) $315,886 (9.0%) 0.00 369
    2024-01-01 $279,999 (4.2%) $315,941 (8.6%) 0.00 357
    2024-02-01 $277,500 (2.4%) $309,770 (4.5%) 0.00 370
    2024-03-01 $282,000 (4.4%) $311,839 (5.1%) 0.00 339
    2024-04-01 $283,931 (3.3%) $317,454 (5.8%) 0.00 320
    2024-05-01 $285,650 (3.0%) $329,074 (7.6%) 0.00 285
    2024-06-01 $283,400 (1.3%) $325,981 (6.4%) 0.00 281
    2024-07-01 $289,919 (2.5%) $323,272 (2.7%) 0.00 284
    2024-08-01 $288,500 (3.1%) $313,304 (3.6%) 0.00 316
    2024-09-01 $296,663 (4.6%) $322,374 (5.4%) 0.00 331
    2024-10-01 $299,144 (4.9%) $322,220 (4.0%) 0.00 333
    2024-11-01 $300,825 (5.6%) $329,647 (5.9%) 0.00 335
    2024-12-01 $301,250 (6.2%) $324,337 (2.7%) 0.00 321
    2025-01-01 $302,344 (8.0%) $323,318 (2.3%) 0.00 315
    2025-02-01 $294,900 (6.3%) $313,314 (1.1%) 0.00 359
    2025-03-01 $294,425 (4.4%) $311,860 (0.0%) 0.00 456
    Hinesville's median listing price for 2025-03-01 was $294,425, a difference of $12,425 (4.4%) versus the prior year and $-475 versus the prior month.

    Hinesville's median listing price comes in at 0% of the national average.

    Hinesville's average listing price for 2025-03-01 was $311,860, a difference of $21 (0.0%) versus the prior year and $-1,454 versus the prior month.

    For the 2025-03-01 period, Hinesville had 456 MLS listings, a difference of 97 listings (27%) versus the prior month and 117 listings (35%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hinesville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,761 sqft
    2018-02-01 0 days 1,729 sqft
    2018-03-01 0 days 1,768 sqft
    2018-04-01 0 days 1,755 sqft
    2018-05-01 0 days 1,713 sqft
    2018-06-01 0 days 1,749 sqft
    2018-07-01 0 days 1,797 sqft
    2018-08-01 0 days 1,801 sqft
    2018-09-01 0 days 1,848 sqft
    2018-10-01 0 days 1,872 sqft
    2018-11-01 0 days 1,900 sqft
    2018-12-01 0 days 1,862 sqft
    2019-01-01 0 days 1,852 sqft
    2019-02-01 0 days 1,807 sqft
    2019-03-01 0 days 1,810 sqft
    2019-04-01 0 days 1,802 sqft
    2019-05-01 0 days 1,801 sqft
    2019-06-01 0 days 1,792 sqft
    2019-07-01 0 days 1,681 sqft
    2019-08-01 0 days 1,704 sqft
    2019-09-01 0 days 1,748 sqft
    2019-10-01 0 days 1,779 sqft
    2019-11-01 0 days 1,799 sqft
    2019-12-01 0 days 1,801 sqft
    2020-01-01 0 days 1,799 sqft
    2020-02-01 0 days 1,855 sqft
    2020-03-01 0 days 1,827 sqft
    2020-04-01 0 days 1,819 sqft
    2020-05-01 0 days 1,894 sqft
    2020-06-01 0 days 1,803 sqft
    2020-07-01 0 days 1,860 sqft
    2020-08-01 0 days 1,831 sqft
    2020-09-01 0 days 1,874 sqft
    2020-10-01 0 days 1,902 sqft
    2020-11-01 0 days 1,874 sqft
    2020-12-01 0 days 1,881 sqft
    2021-01-01 0 days 1,863 sqft
    2021-02-01 0 days 1,892 sqft
    2021-03-01 0 days 1,831 sqft
    2021-04-01 0 days 2,042 sqft
    2021-05-01 0 days 2,039 sqft
    2021-06-01 0 days 2,053 sqft
    2021-07-01 0 days 2,002 sqft
    2021-08-01 0 days 1,997 sqft
    2021-09-01 0 days 1,958 sqft
    2021-10-01 0 days 2,002 sqft
    2021-11-01 0 days 1,981 sqft
    2021-12-01 0 days 2,155 sqft
    2022-01-01 0 days 2,133 sqft
    2022-02-01 0 days 2,125 sqft
    2022-03-01 0 days 1,987 sqft
    2022-04-01 0 days 1,810 sqft
    2022-05-01 0 days 1,919 sqft
    2022-06-01 0 days 1,977 sqft
    2022-07-01 0 days 1,975 sqft
    2022-08-01 0 days 1,899 sqft
    2022-09-01 0 days 1,894 sqft
    2022-10-01 0 days 1,862 sqft
    2022-11-01 0 days 1,925 sqft
    2022-12-01 0 days 1,888 sqft
    2023-01-01 0 days 1,864 sqft
    2023-02-01 0 days 1,893 sqft
    2023-03-01 0 days 1,875 sqft
    2023-04-01 0 days 1,960 sqft
    2023-05-01 0 days 1,929 sqft
    2023-06-01 0 days 1,925 sqft
    2023-07-01 0 days 1,937 sqft
    2023-08-01 0 days 1,929 sqft
    2023-09-01 0 days 1,926 sqft
    2023-10-01 0 days 1,925 sqft
    2023-11-01 0 days 1,923 sqft
    2023-12-01 0 days 1,925 sqft
    2024-01-01 0 days 1,882 sqft
    2024-02-01 0 days 1,835 sqft
    2024-03-01 0 days 1,920 sqft
    2024-04-01 0 days 1,907 sqft
    2024-05-01 0 days 1,923 sqft
    2024-06-01 0 days 1,823 sqft
    2024-07-01 0 days 1,914 sqft
    2024-08-01 0 days 1,890 sqft
    2024-09-01 0 days 1,926 sqft
    2024-10-01 0 days 1,951 sqft
    2024-11-01 0 days 1,977 sqft
    2024-12-01 0 days 1,960 sqft
    2025-01-01 0 days 1,944 sqft
    2025-02-01 0 days 1,843 sqft
    2025-03-01 0 days 1,814 sqft
    Hinesville's median listing age (time on market) for 2025-03-01 was 0 days.

    Hinesville's median square footage for active listings during the 2025-03-01 period was 1,814 sqft. One year prior, the average listing was 1,920 sqft.

    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.