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.