Lagrange VA Loan Rates, Closing Costs & Stats

LaGrange, GA-AL

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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.

    Lagrange's 56 lenders originated 196 VA loans during 2024. The total origination value was $57,160,000, with an average VA loan value of $291,633.

    Lagrange VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Lagrange averaged 0.49% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Lagrange's average VA mortgage closing costs are $5,577.

    The average rate for the prior week (2025-06-27) was 6.43% and one month ago for the week of 2025-05-30, the average rate was 6.55%.

    The average rate one year ago was 6.77%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.08%.

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

    Lagrange 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 Lagrange level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 25 6.29% $5,105
    UNITED WHOLESALE MORTGAGE, LLC 19 5.96% $7,637
    QUICKEN LOANS, LLC 11 5.80% $10,278
    LOANDEPOT.COM, LLC 8 6.39% $6,705
    FREEDOM MORTGAGE CORPORATION 8 6.30% $9,050
    PENNYMAC LOAN SERVICES, LLC 8 5.92% $6,470
    BROKER SOLUTIONS, INC. 6 6.04% $9,748
    VILLAGE CAPITAL MORTGAGE 6 5.89% $5,410
    NEW DAY FINANCIAL, LLC 6 7.31% $7,606
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.03% $7,319
    The Federal Savings Bank 5 6.78% $12,478
    CMG MORTGAGE, INC. 4 6.09% $7,930
    FBC MORTGAGE, LLC 4 5.40% $2,638
    USAA Federal Savings Bank 4 6.94% $3,582
    NAVY FEDERAL CREDIT UNION 4 6.28% $3,066
    GUILD MORTGAGE COMPANY 3 5.46% $8,065
    CROSSCOUNTRY MORTGAGE, LLC 3 6.50% $13,405
    MOVEMENT MORTGAGE, LLC 3 6.38% $13,943
    Equity Prime Mortgage LLC 3 7.08% $6,574
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.42% $7,049
    CANOPY MORTGAGE, LLC 3 6.13% $12,619
    PLANET HOME LENDING, LLC 2 6.44% $4,690
    AMERICAN FINANCIAL NETWORK, INC. 2 6.19% $11,260
    Keystone Funding, Inc. 2 6.56% $2,603
    Plains Commerce Bank 2 6.44% $5,331
    Magnolia Bank 2 6.31% $6,568
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.94% $10,083
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.75% $650
    VERITAS FUNDING, LLC 1 6.75% $11,488
    SUN WEST MORTGAGE COMPANY, INC. 1 6.25% $2,541
    Ameris Bank 1 6.63% $4,367
    Armed Forces Bank 1 6.25% $3,876
    DAS Acquisition Company, LLC 1 6.00% $8,250
    EMM LOANS LLC 1 6.25% $7,756
    EVERETT FINANCIAL, INC. 1 5.38% $21,322
    Flagstar Bank, FSB 1 6.63% $650
    Franklin Loan Corporation 1 6.13% $9,804
    GERSHMAN INVESTMENT CORP. 1 5.88% $18,046
    HOMESIDE FINANCIAL, LLC 1 4.88% $9,189
    INSPIRE HOME LOANS INC. 1 4.88% $2,806
    Lakeview Community Capital, LLC 1 5.99% $5,294
    LAKEVIEW LOAN SERVICING, LLC 1 5.25% $4,966
    MILEND, INC. 1 6.38% $15,934
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $8,464
    Mr. Cooper ( Nationstar Mortgage ) 1 6.75% $9,381
    NBKC BANK 1 5.13% $5,774
    NORWICH COMMERCIAL GROUP, INC. 1 6.75% $1,432
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.25% $0
    Prosperity Home Mortgage, LLC 1 6.25% $3,366
    Renasant Bank 1 6.63% $4,620
    ROYAL UNITED MORTGAGE LLC 1 5.75% $12,161
    SOUTH CENTRAL BANK, INC. 1 6.50% $19,386
    South State Bank 1 6.38% $3,658
    STOCKTON MORTGAGE CORPORATION 1 6.00% $6,063
    ACOPIA, LLC 1 6.25% $5,349
    Truist 1 6.75% $2,301

    The top Lagrange VA lender as defined by loan originations is Mortgage Research Center, LLC, with 25 VA loans originated. Their average total fees are $5,105, which is $2,532 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Lagrange VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,105), UNITED WHOLESALE MORTGAGE, LLC ($7,637), QUICKEN LOANS, LLC ($10,278), .

    The lowest rate Lagrange VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (5.80%), UNITED WHOLESALE MORTGAGE, LLC (5.96%), Mortgage Research Center, LLC (6.29%), .

    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.