Macon VA Loan Rates, Closing Costs & Stats
MACON-BIBB COUNTY, 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.
Macon's 84 lenders originated 452 VA
loans during 2024. The total origination value was $131,460,000, with an average VA loan value of
$290,841.
Macon VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Macon
averaged
0.59%
for the week of 2025-07-04, compared to the national average (all VA variants) of
0% for the same period.
Macon's average VA mortgage closing costs are $5,485.
The average rate for the prior week (2025-06-27) was
6.82% and
one month ago for the week of 2025-05-30, the
average rate was 7.05%.
The average rate one year ago was 6.76%.
For refis of the same type during the week of 2025-07-04, the average rate
was 0.11%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
Macon 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 Macon level.
Name |
# of Loans |
2024 Avg. 30yFix Rate |
2024 Avg. Closing Costs |
Mortgage Research Center, LLC
|
79
|
6.56%
|
$4,575
|
UNITED WHOLESALE MORTGAGE, LLC
|
41
|
5.87%
|
$7,608
|
QUICKEN LOANS, LLC
|
32
|
6.02%
|
$7,736
|
FREEDOM MORTGAGE CORPORATION
|
23
|
6.22%
|
$4,745
|
INSPIRE HOME LOANS INC.
|
20
|
5.08%
|
$3,904
|
NAVY FEDERAL CREDIT UNION
|
15
|
5.70%
|
$7,477
|
FBC MORTGAGE, LLC
|
12
|
5.10%
|
$4,292
|
GUILD MORTGAGE COMPANY
|
11
|
6.40%
|
$8,947
|
NEW DAY FINANCIAL, LLC
|
11
|
7.54%
|
$10,481
|
CROSSCOUNTRY MORTGAGE, LLC
|
11
|
6.24%
|
$7,286
|
PENNYMAC LOAN SERVICES, LLC
|
10
|
5.78%
|
$7,526
|
CANOPY MORTGAGE, LLC
|
9
|
6.12%
|
$13,923
|
VILLAGE CAPITAL MORTGAGE
|
9
|
5.90%
|
$5,093
|
USAA Federal Savings Bank
|
9
|
6.35%
|
$8,156
|
ATLANTIC BAY MORTGAGE GROUP, L.L.C.
|
7
|
6.36%
|
$5,166
|
MUTUAL OF OMAHA MORTGAGE, INC.
|
5
|
6.20%
|
$10,555
|
LOANDEPOT.COM, LLC
|
5
|
5.89%
|
$11,159
|
Synovus Bank
|
5
|
5.58%
|
$7,094
|
BROKER SOLUTIONS, INC.
|
5
|
6.65%
|
$10,757
|
BANKSOUTH MORTGAGE COMPANY, LLC
|
4
|
6.31%
|
$8,941
|
MORTGAGE SOLUTIONS OF COLORADO, LLC
|
4
|
7.41%
|
$4,334
|
GUARANTEED RATE, INC.
|
4
|
6.23%
|
$2,719
|
Equity Prime Mortgage LLC
|
4
|
7.09%
|
$3,574
|
Colony Bank
|
3
|
6.79%
|
$9,124
|
Barrington Bank & Trust Company, N.A.
|
3
|
7.08%
|
$3,922
|
CARDINAL FINANCIAL
|
3
|
6.71%
|
$9,775
|
Carrington Mortgage Services, LLC
|
3
|
6.25%
|
$10,952
|
CLEARPATH LENDING
|
3
|
5.46%
|
$7,906
|
EMM LOANS LLC
|
3
|
6.50%
|
$7,406
|
NEWREZ LLC
|
3
|
6.38%
|
$9,493
|
PLANET HOME LENDING, LLC
|
3
|
5.87%
|
$3,575
|
The Federal Savings Bank
|
3
|
6.13%
|
$11,513
|
UNION HOME MORTGAGE CORP.
|
3
|
6.63%
|
$13,662
|
SOUTHEAST MORTGAGE OF GEORGIA, INC.
|
2
|
6.50%
|
$4,763
|
Magnolia Bank
|
2
|
6.25%
|
$11,514
|
AmeriHome Mortgage Company, LLC
|
2
|
5.75%
|
$5,358
|
Prosperity Home Mortgage, LLC
|
2
|
6.06%
|
$8,583
|
AMERICAN PACIFIC MORTGAGE CORPORATION
|
2
|
6.75%
|
$4,677
|
Lakeview Community Capital, LLC
|
2
|
5.50%
|
$4,320
|
BancorpSouth
|
2
|
5.69%
|
$7,571
|
AMERICAN FINANCING CORPORATION
|
2
|
5.93%
|
$9,140
|
Alcova Mortgage LLC
|
2
|
6.38%
|
$4,483
|
U.S. Bank
|
2
|
6.12%
|
$7,748
|
FIRST COMMUNITY MORTGAGE, INC.
|
2
|
6.12%
|
$12,426
|
Flagstar Bank, FSB
|
2
|
6.49%
|
$5,959
|
Ameris Bank
|
2
|
6.69%
|
$6,073
|
VAN DYK MORTGAGE CORPORATION
|
2
|
6.06%
|
$8,984
|
MOVEMENT MORTGAGE, LLC
|
1
|
6.25%
|
$5,728
|
Mr. Cooper ( Nationstar Mortgage )
|
1
|
6.50%
|
$2,181
|
BAYSHORE MORTGAGE FUNDING, LLC
|
1
|
7.13%
|
$9,161
|
NATIONS DIRECT MORTGAGE, LLC
|
1
|
7.25%
|
$13,979
|
Nations Lending Corporation
|
1
|
5.75%
|
$12,916
|
US MORTGAGE CORPORATION
|
1
|
6.25%
|
$9,638
|
PENTAGON FEDERAL CREDIT UNION
|
1
|
6.63%
|
$4,178
|
PHH Mortgage Corporation
|
1
|
5.99%
|
$4,299
|
Plains Commerce Bank
|
1
|
6.88%
|
$4,656
|
PNC Bank
|
1
|
6.63%
|
$5,264
|
PRIMELENDING, A PLAINSCAPITAL COMPANY
|
1
|
6.25%
|
$13,507
|
RELIANCE FIRST CAPITAL, LLC
|
1
|
6.38%
|
$1,991
|
Renasant Bank
|
1
|
7.13%
|
$3,200
|
ROBINS FINANCIAL
|
1
|
5.50%
|
$10,947
|
ROYAL UNITED MORTGAGE LLC
|
1
|
7.13%
|
$8,432
|
STOCKTON MORTGAGE CORPORATION
|
1
|
5.75%
|
$5,259
|
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC
|
1
|
5.99%
|
$17,108
|
VERITAS FUNDING, LLC
|
1
|
6.50%
|
$19,406
|
Truist
|
1
|
7.20%
|
$2,144
|
ALAMEDA MORTGAGE CORPORATION
|
1
|
6.75%
|
$6,284
|
Union Savings Bank
|
1
|
5.75%
|
$0
|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION
|
1
|
7.00%
|
$5,257
|
EVERETT FINANCIAL, INC.
|
1
|
6.13%
|
$10,909
|
GMFS LLC
|
1
|
6.25%
|
$6,534
|
DIAMOND RESIDENTIAL MORTGAGE CORPORATION
|
1
|
5.63%
|
$3,360
|
HOMEBRIDGE FINANCIAL SERVICES, INC.
|
1
|
5.50%
|
$18,729
|
HOMEOWNERS FINANCIAL GROUP USA, LLC
|
1
|
5.75%
|
$26,019
|
HOMESPIRE MORTGAGE CORPORATION
|
1
|
7.13%
|
$4,654
|
DAS Acquisition Company, LLC
|
1
|
6.00%
|
$503
|
LEADERONE FINANCIAL CORPORATION
|
1
|
6.25%
|
$202
|
1ST SIGNATURE LENDING, LLC
|
1
|
7.25%
|
$9,699
|
LOANFLIGHT LENDING, LLC
|
1
|
5.13%
|
$6,874
|
LOANPAL, LLC
|
1
|
6.63%
|
$5,267
|
Mid-Continent Funding, Inc.
|
1
|
6.25%
|
$3,948
|
MILEND, INC.
|
1
|
6.25%
|
$18,391
|
CMG MORTGAGE, INC.
|
1
|
7.38%
|
$13,667
|
Century Mortgage Company DBA Century Lending Company
|
1
|
6.13%
|
$18,293
|
The top Macon VA lender as defined by loan originations is Mortgage Research Center, LLC, with
79 VA loans originated. Their average total fees are
$4,575, which is $3,033
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Macon VA lenders (with over 10 loans originated) are
INSPIRE HOME LOANS INC. ($3,904), FBC MORTGAGE, LLC ($4,292), Mortgage Research Center, LLC ($4,575), FREEDOM MORTGAGE CORPORATION ($4,745) and CROSSCOUNTRY MORTGAGE, LLC ($7,286).
The lowest rate Macon VA lenders (with over 10 loans originated) are
INSPIRE HOME LOANS INC. (5.08%), FBC MORTGAGE, LLC (5.10%), NAVY FEDERAL CREDIT UNION (5.70%), PENNYMAC LOAN SERVICES, LLC (5.78%) and UNITED WHOLESALE MORTGAGE, LLC (5.87%).
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.