Macon VA Loan Rates, Closing Costs & Stats

MACON-BIBB COUNTY, 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.

    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 6.55% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Macon's average VA mortgage closing costs are $5,485.

    The average rate for the prior week (2025-03-28) was 6.57% and one month ago for the week of 2025-02-28, the average rate was 6.64%.

    The average rate one year ago was 6.85%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.17%.

    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%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Macon (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 $140,995 (1.1%) $187,948 (-1.0%) 0.52 750
    2018-02-01 $139,925 (0.0%) $187,262 (-1.5%) 0.51 763
    2018-03-01 $144,990 (-1.0%) $194,567 (-2.5%) 0.51 785
    2018-04-01 $149,700 (0.5%) $202,669 (1.9%) 0.51 815
    2018-05-01 $150,445 (0.4%) $210,527 (7.0%) 0.50 833
    2018-06-01 $157,500 (4.8%) $215,471 (7.8%) 0.53 843
    2018-07-01 $159,800 (6.6%) $213,850 (7.1%) 0.53 864
    2018-08-01 $162,400 (4.8%) $216,757 (5.5%) 0.54 878
    2018-09-01 $164,250 (9.6%) $219,623 (8.6%) 0.55 884
    2018-10-01 $165,000 (17.9%) $219,237 (14.5%) 0.56 885
    2018-11-01 $164,475 (13.6%) $221,820 (13.1%) 0.56 884
    2018-12-01 $159,500 (12.3%) $216,935 (15.3%) 0.55 851
    2019-01-01 $152,623 (8.3%) $217,964 (16.0%) 0.53 792
    2019-02-01 $153,973 (10.0%) $219,011 (17.0%) 0.52 803
    2019-03-01 $125,671 (-13.3%) $192,902 (-0.9%) 0.41 1,145
    2019-04-01 $88,650 (-40.8%) $162,585 (-19.8%) 0.28 1,606
    2019-05-01 $90,000 (-40.2%) $166,481 (-20.9%) 0.28 1,617
    2019-06-01 $172,000 (9.2%) $242,722 (12.7%) 0.54 936
    2019-07-01 $159,993 (0.1%) $235,311 (10.0%) 0.50 954
    2019-08-01 $158,605 (-2.3%) $237,021 (9.4%) 0.50 945
    2019-09-01 $156,521 (-4.7%) $236,686 (7.8%) 0.50 929
    2019-10-01 $157,632 (-4.5%) $239,885 (9.4%) 0.51 911
    2019-11-01 $159,990 (-2.7%) $246,001 (10.9%) 0.52 848
    2019-12-01 $159,900 (0.3%) $242,414 (11.7%) 0.53 825
    2020-01-01 $159,000 (4.2%) $238,514 (9.4%) 0.53 785
    2020-02-01 $152,990 (-0.6%) $237,422 (8.4%) 0.50 800
    2020-03-01 $150,990 (20.2%) $236,566 (22.6%) 0.47 780
    2020-04-01 $150,620 (69.9%) $240,871 (48.2%) 0.47 776
    2020-05-01 $158,500 (76.1%) $255,531 (53.5%) 0.48 706
    2020-06-01 $163,745 (-4.8%) $266,163 (9.7%) 0.48 594
    2020-07-01 $172,423 (7.8%) $271,355 (15.3%) 0.50 583
    2020-08-01 $179,900 (13.4%) $281,427 (18.7%) 0.52 502
    2020-09-01 $170,450 (8.9%) $278,673 (17.7%) 0.49 470
    2020-10-01 $168,990 (7.2%) $493,202 (105.6%) 0.48 464
    2020-11-01 $174,945 (9.4%) $289,133 (17.5%) 0.51 436
    2020-12-01 $182,495 (14.1%) $298,290 (23.1%) 0.54 423
    2021-01-01 $175,990 (10.7%) $295,210 (23.8%) 0.53 397
    2021-02-01 $179,300 (17.2%) $289,626 (22.0%) 0.52 348
    2021-03-01 $197,400 (30.7%) $290,589 (22.8%) 0.56 353
    2021-04-01 $197,175 (30.9%) $293,520 (21.9%) 0.53 368
    2021-05-01 $189,900 (19.8%) $263,200 (3.0%) 0.50 370
    2021-06-01 $183,445 (12.0%) $260,639 (-2.1%) 0.48 416
    2021-07-01 $190,000 (10.2%) $260,524 (-4.0%) 0.50 453
    2021-08-01 $196,373 (9.2%) $258,634 (-8.1%) 0.52 499
    2021-09-01 $208,745 (22.5%) $327,487 (17.5%) 0.56 542
    2021-10-01 $215,000 (27.2%) $427,097 (-13.4%) 0.57 493
    2021-11-01 $213,490 (22.0%) $452,708 (56.6%) 0.57 467
    2021-12-01 $207,748 (13.8%) $472,086 (58.3%) 0.56 402
    2022-01-01 $199,000 (13.1%) $468,284 (58.6%) 0.54 402
    2022-02-01 $167,550 (-6.6%) $445,081 (53.7%) 0.44 394
    2022-03-01 $169,950 (-13.9%) $337,399 (16.1%) 0.43 394
    2022-04-01 $187,700 (-4.8%) $462,495 (57.6%) 0.45 390
    2022-05-01 $215,000 (13.2%) $571,935 (117.3%) 0.49 426
    2022-06-01 $232,748 (26.9%) $454,521 (74.4%) 0.52 482
    2022-07-01 $239,995 (26.3%) $461,262 (77.1%) 0.54 517
    2022-08-01 $229,950 (17.1%) $427,736 (65.4%) 0.53 528
    2022-09-01 $235,000 (12.6%) $397,111 (21.3%) 0.55 539
    2022-10-01 $225,995 (5.1%) $390,903 (-8.5%) 0.53 564
    2022-11-01 $225,000 (5.4%) $413,142 (-8.7%) 0.54 580
    2022-12-01 $239,450 (15.3%) $417,961 (-11.5%) 0.59 562
    2023-01-01 $236,975 (19.1%) $405,444 (-13.4%) 0.59 549
    2023-02-01 $209,095 (24.8%) $312,372 (-29.8%) 0.50 531
    2023-03-01 $227,225 (33.7%) $293,472 (-13.0%) 0.54 529
    2023-04-01 $232,500 (23.9%) $287,293 (-37.9%) 0.54 544
    2023-05-01 $244,900 (13.9%) $292,299 (-48.9%) 0.56 549
    2023-06-01 $259,375 (11.4%) $303,360 (-33.3%) 0.58 561
    2023-07-01 $259,000 (7.9%) $305,180 (-33.8%) 0.59 593
    2023-08-01 $252,075 (9.6%) $300,307 (-29.8%) 0.58 645
    2023-09-01 $249,900 (6.3%) $292,306 (-26.4%) 0.58 689
    2023-10-01 $240,029 (6.2%) $291,801 (-25.4%) 0.56 727
    2023-11-01 $234,533 (4.2%) $288,295 (-30.2%) 0.56 722
    2023-12-01 $225,000 (-6.0%) $282,654 (-32.4%) 0.55 694
    2024-01-01 $229,950 (-3.0%) $280,682 (-30.8%) 0.56 683
    2024-02-01 $233,153 (11.5%) $288,226 (-7.7%) 0.56 688
    2024-03-01 $217,500 (-4.3%) $278,287 (-5.2%) 0.51 719
    2024-04-01 $223,325 (-4.0%) $279,736 (-2.6%) 0.52 747
    2024-05-01 $217,450 (-11.2%) $284,325 (-2.7%) 0.49 731
    2024-06-01 $219,500 (-15.4%) $291,431 (-3.9%) 0.50 766
    2024-07-01 $219,850 (-15.1%) $289,157 (-5.3%) 0.50 823
    2024-08-01 $220,000 (-12.7%) $285,547 (-4.9%) 0.51 838
    2024-09-01 $222,500 (-11.0%) $283,279 (-3.1%) 0.52 845
    2024-10-01 $234,450 (-2.3%) $284,491 (-2.5%) 0.55 857
    2024-11-01 $224,900 (-4.1%) $279,305 (-3.1%) 0.54 866
    2024-12-01 $229,950 (2.2%) $285,433 (1.0%) 0.57 834
    2025-01-01 $231,850 (0.8%) $284,372 (1.3%) 0.58 783
    2025-02-01 $219,463 (-5.9%) $269,215 (-6.6%) 0.53 842
    2025-03-01 $225,000 (3.5%) $277,202 (-0.4%) 0.00 884
    Macon's median listing price for 2025-03-01 was $225,000, a difference of $7,500 (3.5%) versus the prior year and $5,537 versus the prior month.

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

    Macon's average listing price for 2025-03-01 was $277,202, a difference of $-1,085 (-0.4%) versus the prior year and $7,987 versus the prior month.

    For the 2025-03-01 period, Macon had 884 MLS listings, a difference of 42 listings (5%) versus the prior month and 165 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Macon (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 79 days 1,916 sqft
    2018-02-01 82 days 1,920 sqft
    2018-03-01 66 days 1,986 sqft
    2018-04-01 70 days 2,022 sqft
    2018-05-01 67 days 2,026 sqft
    2018-06-01 73 days 2,043 sqft
    2018-07-01 74 days 2,022 sqft
    2018-08-01 71 days 2,056 sqft
    2018-09-01 79 days 2,042 sqft
    2018-10-01 83 days 2,074 sqft
    2018-11-01 88 days 2,050 sqft
    2018-12-01 93 days 2,007 sqft
    2019-01-01 102 days 1,980 sqft
    2019-02-01 97 days 1,950 sqft
    2019-03-01 83 days 1,975 sqft
    2019-04-01 76 days 2,016 sqft
    2019-05-01 77 days 2,046 sqft
    2019-06-01 74 days 2,018 sqft
    2019-07-01 73 days 2,008 sqft
    2019-08-01 77 days 2,004 sqft
    2019-09-01 80 days 1,997 sqft
    2019-10-01 85 days 1,992 sqft
    2019-11-01 92 days 2,008 sqft
    2019-12-01 93 days 2,000 sqft
    2020-01-01 100 days 1,967 sqft
    2020-02-01 84 days 1,897 sqft
    2020-03-01 67 days 1,889 sqft
    2020-04-01 76 days 1,874 sqft
    2020-05-01 75 days 1,887 sqft
    2020-06-01 81 days 1,966 sqft
    2020-07-01 65 days 2,075 sqft
    2020-08-01 68 days 2,079 sqft
    2020-09-01 63 days 1,954 sqft
    2020-10-01 60 days 1,897 sqft
    2020-11-01 53 days 1,902 sqft
    2020-12-01 54 days 1,930 sqft
    2021-01-01 54 days 1,949 sqft
    2021-02-01 50 days 1,952 sqft
    2021-03-01 43 days 1,961 sqft
    2021-04-01 39 days 1,961 sqft
    2021-05-01 44 days 1,919 sqft
    2021-06-01 38 days 1,854 sqft
    2021-07-01 47 days 1,858 sqft
    2021-08-01 47 days 1,904 sqft
    2021-09-01 46 days 1,962 sqft
    2021-10-01 50 days 1,964 sqft
    2021-11-01 56 days 1,983 sqft
    2021-12-01 59 days 1,930 sqft
    2022-01-01 54 days 1,800 sqft
    2022-02-01 36 days 1,662 sqft
    2022-03-01 34 days 1,670 sqft
    2022-04-01 37 days 1,786 sqft
    2022-05-01 39 days 1,851 sqft
    2022-06-01 33 days 1,884 sqft
    2022-07-01 43 days 1,886 sqft
    2022-08-01 47 days 1,875 sqft
    2022-09-01 45 days 1,929 sqft
    2022-10-01 43 days 1,915 sqft
    2022-11-01 49 days 1,924 sqft
    2022-12-01 61 days 1,906 sqft
    2023-01-01 61 days 1,926 sqft
    2023-02-01 52 days 1,870 sqft
    2023-03-01 49 days 1,881 sqft
    2023-04-01 44 days 1,900 sqft
    2023-05-01 46 days 1,971 sqft
    2023-06-01 48 days 2,100 sqft
    2023-07-01 48 days 2,100 sqft
    2023-08-01 50 days 2,084 sqft
    2023-09-01 54 days 1,980 sqft
    2023-10-01 56 days 1,954 sqft
    2023-11-01 61 days 1,911 sqft
    2023-12-01 72 days 1,870 sqft
    2024-01-01 72 days 1,866 sqft
    2024-02-01 58 days 1,860 sqft
    2024-03-01 59 days 1,782 sqft
    2024-04-01 56 days 1,802 sqft
    2024-05-01 53 days 1,779 sqft
    2024-06-01 50 days 1,795 sqft
    2024-07-01 54 days 1,799 sqft
    2024-08-01 58 days 1,812 sqft
    2024-09-01 59 days 1,824 sqft
    2024-10-01 60 days 1,859 sqft
    2024-11-01 72 days 1,814 sqft
    2024-12-01 80 days 1,805 sqft
    2025-01-01 79 days 1,866 sqft
    2025-02-01 69 days 1,787 sqft
    2025-03-01 0 days 1,817 sqft
    Macon's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Macon's median square footage for active listings during the 2025-03-01 period was 1,817 sqft. One year prior, the average listing was 1,782 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.