St. Marys VA Loan Rates, Closing Costs & Stats

St. Marys, 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.

St. Marys's 69 lenders originated 791 VA loans during 2024. The total origination value was $250,215,000, with an average VA loan value of $316,327.

St. Marys VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in St. Marys averaged 6.09% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

St. Marys's average VA mortgage closing costs are $6,385.

The average rate for the prior week (2025-03-28) was 6.11% and one month ago for the week of 2025-02-28, the average rate was 5.99%.

The average rate one year ago was 6.5%.

For refis of the same type during the week of 2025-04-04, the average rate was 5.51%.

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

St. Marys 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 St. Marys level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 142 6.06% $9,866
Mortgage Research Center, LLC 97 6.40% $7,207
NAVY FEDERAL CREDIT UNION 69 5.91% $7,668
DHI MORTGAGE COMPANY, LTD. 49 4.63% $5,181
UNITED WHOLESALE MORTGAGE, LLC 43 5.92% $6,078
NBKC BANK 37 5.98% $6,788
FREEDOM MORTGAGE CORPORATION 36 6.26% $10,147
Presidential Bank, FSB 32 6.07% $9,101
Century Mortgage Company DBA Century Lending Company 21 6.01% $8,344
GUARANTEED RATE, INC. 20 6.02% $5,669
PENNYMAC LOAN SERVICES, LLC 16 5.66% $6,038
HOMESIDE FINANCIAL, LLC 12 6.38% $9,929
NEWREZ LLC 12 6.00% $8,900
Paramount Residential Mortgage Group, Inc. 11 6.34% $10,215
EMM LOANS LLC 10 6.49% $10,625
INSPIRE HOME LOANS INC. 9 5.18% $8,165
PLANET HOME LENDING, LLC 9 6.04% $4,270
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.51% $9,978
LOANDEPOT.COM, LLC 8 6.25% $9,864
BROKER SOLUTIONS, INC. 7 6.39% $13,507
VILLAGE CAPITAL MORTGAGE 7 5.82% $7,369
TOWNE MORTGAGE COMPANY 7 6.55% $9,264
USAA Federal Savings Bank 7 6.27% $9,348
MORTGAGEONE, INC. 6 6.54% $5,633
South Pacific Financial Corporation 5 5.40% $11,093
CROSSCOUNTRY MORTGAGE, LLC 5 6.65% $9,372
Carrington Mortgage Services, LLC 5 6.18% $13,626
The Federal Savings Bank 4 6.25% $15,808
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 6.12% $9,769
INTERCOASTAL MORTGAGE COMPANY 3 6.29% $6,858
NEW DAY FINANCIAL, LLC 3 7.78% $10,905
Equity Prime Mortgage LLC 2 8.25% $9,140
AMERICAN FINANCIAL NETWORK, INC. 2 6.25% $7,214
AMERISAVE MORTGAGE CORPORATION 2 5.06% $19,119
Barrington Bank & Trust Company, N.A. 2 7.00% $6,823
Capital City Home Loans, LLC 2 6.13% $15,052
First Federal Bank 2 5.63% $6,652
LAKEVIEW LOAN SERVICING, LLC 2 5.75% $5,585
LIBERTY HOME MORTGAGE CORPORATION 2 6.81% $15,171
Magnolia Bank 2 5.56% $18,079
Mid-Continent Funding, Inc. 2 5.87% $16,779
MORTGAGE SOLUTIONS OF COLORADO, LLC 2 8.13% $6,579
MOVEMENT MORTGAGE, LLC 2 6.50% $8,980
Mr. Cooper ( Nationstar Mortgage ) 2 6.06% $11,919
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.25% $12,556
LOANPAL, LLC 1 6.50% $16,826
Lakeview Community Capital, LLC 1 5.75% $4,299
GUARANTEED RATE AFFINITY, LLC 1 5.65% $2,768
PENTAGON FEDERAL CREDIT UNION 1 6.13% $8,911
PHH Mortgage Corporation 1 6.63% $16,667
Plains Commerce Bank 1 6.25% $5,590
GENEVA FINANCIAL, LLC 1 6.75% $11,160
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.88% $9,429
Flagstar Bank, FSB 1 5.13% $5,913
Prosperity Home Mortgage, LLC 1 5.25% $4,308
FIRST CONTINENTAL MORTGAGE, LTD. 1 6.25% $4,281
RESOURCE FINANCIAL SERVICES, INC. 1 6.50% $4,245
ROYAL UNITED MORTGAGE LLC 1 6.38% $19,361
EVERETT FINANCIAL, INC. 1 6.63% $2,438
STOCKTON MORTGAGE CORPORATION 1 6.25% $15,605
SUN WEST MORTGAGE COMPANY, INC. 1 5.75% $3,708
T2 FINANCIAL LLC 1 5.75% $13,523
ACOPIA, LLC 1 6.25% $5,213
DELMAR FINANCIAL COMPANY 1 5.75% $6,580
UNION HOME MORTGAGE CORP. 1 5.88% $11,091
CLEARPATH LENDING 1 7.13% $9,814
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.88% $8,999
Ameris Bank 1 6.13% $11,399
Wells Fargo Bank 1 6.00% $4,394

The top St. Marys VA lender as defined by loan originations is QUICKEN LOANS, LLC, with 142 VA loans originated. Their average total fees are $9,866, which is $2,659 higher than the next largest lender, Mortgage Research Center, LLC.

The lowest fee St. Marys VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($5,181), GUARANTEED RATE, INC. ($5,669), PENNYMAC LOAN SERVICES, LLC ($6,038), UNITED WHOLESALE MORTGAGE, LLC ($6,078) and NBKC BANK ($6,788).

The lowest rate St. Marys VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.63%), PENNYMAC LOAN SERVICES, LLC (5.66%), NAVY FEDERAL CREDIT UNION (5.91%), UNITED WHOLESALE MORTGAGE, LLC (5.92%) and NBKC BANK (5.98%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - St. Marys (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 $219,948 (-2.2%) $258,449 (2.6%) 0.00 302
2018-02-01 $225,000 (-0.4%) $272,766 (6.8%) 0.00 301
2018-03-01 $229,000 (4.1%) $265,182 (4.1%) 0.00 310
2018-04-01 $234,450 (7.1%) $277,752 (7.6%) 0.00 302
2018-05-01 $239,000 (12.8%) $283,658 (11.4%) 0.00 297
2018-06-01 $233,900 (13.6%) $281,865 (11.2%) 0.00 324
2018-07-01 $229,995 (12.5%) $276,414 (11.0%) 0.00 341
2018-08-01 $228,223 (12.4%) $279,778 (13.2%) 0.00 355
2018-09-01 $225,000 (10.8%) $278,298 (13.4%) 0.00 360
2018-10-01 $219,700 (5.4%) $271,280 (7.7%) 0.00 390
2018-11-01 $217,000 (1.3%) $264,388 (3.5%) 0.00 403
2018-12-01 $219,250 (-0.8%) $266,210 (2.2%) 0.00 382
2019-01-01 $217,000 (-1.3%) $270,291 (4.6%) 0.00 340
2019-02-01 $215,000 (-4.4%) $274,317 (0.6%) 0.00 338
2019-03-01 $218,086 (-4.8%) $283,136 (6.8%) 0.00 323
2019-04-01 $217,136 (-7.4%) $287,116 (3.4%) 0.00 307
2019-05-01 $219,444 (-8.2%) $285,606 (0.7%) 0.00 298
2019-06-01 $219,450 (-6.2%) $282,672 (0.3%) 0.00 299
2019-07-01 $234,850 (2.1%) $286,517 (3.7%) 0.00 296
2019-08-01 $238,873 (4.7%) $288,399 (3.1%) 0.00 283
2019-09-01 $245,132 (9.0%) $292,904 (5.3%) 0.00 265
2019-10-01 $251,250 (14.4%) $295,665 (9.0%) 0.00 253
2019-11-01 $255,000 (17.5%) $293,965 (11.2%) 0.00 268
2019-12-01 $249,900 (14.0%) $298,622 (12.2%) 0.00 256
2020-01-01 $249,925 (15.2%) $302,512 (11.9%) 0.00 249
2020-02-01 $240,000 (11.6%) $299,970 (9.4%) 0.00 241
2020-03-01 $264,900 (21.5%) $321,032 (13.4%) 0.00 230
2020-04-01 $277,400 (27.8%) $322,687 (12.4%) 0.00 230
2020-05-01 $299,900 (36.7%) $337,981 (18.3%) 0.00 198
2020-06-01 $304,725 (38.9%) $342,977 (21.3%) 0.00 202
2020-07-01 $299,225 (27.4%) $338,687 (18.2%) 0.00 196
2020-08-01 $296,000 (23.9%) $337,613 (17.1%) 0.00 175
2020-09-01 $287,400 (17.2%) $334,702 (14.3%) 0.00 180
2020-10-01 $289,000 (15.0%) $335,727 (13.6%) 0.00 185
2020-11-01 $294,446 (15.5%) $339,651 (15.5%) 0.00 175
2020-12-01 $288,998 (15.7%) $336,245 (12.6%) 0.00 177
2021-01-01 $290,000 (16.0%) $345,105 (14.1%) 0.00 137
2021-02-01 $290,425 (21.0%) $363,020 (21.0%) 0.00 120
2021-03-01 $314,900 (18.9%) $386,511 (20.4%) 0.00 101
2021-04-01 $318,250 (14.7%) $403,673 (25.1%) 0.00 67
2021-05-01 $299,450 (-0.2%) $394,747 (16.8%) 0.00 76
2021-06-01 $302,450 (-0.8%) $378,796 (10.4%) 0.00 88
2021-07-01 $299,900 (0.2%) $367,062 (8.4%) 0.00 105
2021-08-01 $298,200 (0.7%) $360,316 (6.7%) 0.00 115
2021-09-01 $294,800 (2.6%) $375,190 (12.1%) 0.00 95
2021-10-01 $309,900 (7.2%) $379,014 (12.9%) 0.00 112
2021-11-01 $332,500 (12.9%) $366,393 (7.9%) 0.00 119
2021-12-01 $322,450 (11.6%) $413,703 (23.0%) 0.00 119
2022-01-01 $349,050 (20.4%) $438,966 (27.2%) 0.00 105
2022-02-01 $386,250 (33.0%) $488,974 (34.7%) 0.00 83
2022-03-01 $380,970 (21.0%) $487,457 (26.1%) 0.00 62
2022-04-01 $378,195 (18.8%) $500,733 (24.0%) 0.00 65
2022-05-01 $377,200 (26.0%) $473,122 (19.9%) 0.00 79
2022-06-01 $377,473 (24.8%) $476,163 (25.7%) 0.00 92
2022-07-01 $370,000 (23.4%) $443,883 (20.9%) 0.00 133
2022-08-01 $387,150 (29.8%) $443,300 (23.0%) 0.00 143
2022-09-01 $369,900 (25.5%) $419,402 (11.8%) 0.00 143
2022-10-01 $371,400 (19.9%) $423,875 (11.8%) 0.00 159
2022-11-01 $368,323 (10.8%) $431,167 (17.7%) 0.00 175
2022-12-01 $359,900 (11.6%) $411,294 (-0.6%) 0.00 172
2023-01-01 $369,900 (6.0%) $423,141 (-3.6%) 0.00 149
2023-02-01 $369,900 (-4.2%) $425,228 (-13.0%) 0.00 125
2023-03-01 $399,900 (5.0%) $453,802 (-6.9%) 0.00 124
2023-04-01 $397,486 (5.1%) $491,219 (-1.9%) 0.00 124
2023-05-01 $399,900 (6.0%) $507,175 (7.2%) 0.00 133
2023-06-01 $390,098 (3.3%) $486,653 (2.2%) 0.00 163
2023-07-01 $366,900 (-0.8%) $477,858 (7.7%) 0.00 170
2023-08-01 $356,425 (-7.9%) $460,405 (3.9%) 0.00 178
2023-09-01 $354,400 (-4.2%) $462,125 (10.2%) 0.00 194
2023-10-01 $350,950 (-5.5%) $461,612 (8.9%) 0.00 215
2023-11-01 $349,300 (-5.2%) $455,358 (5.6%) 0.00 225
2023-12-01 $351,900 (-2.2%) $457,099 (11.1%) 0.00 218
2024-01-01 $356,400 (-3.7%) $445,373 (5.3%) 0.00 228
2024-02-01 $374,095 (1.1%) $455,591 (7.1%) 0.00 213
2024-03-01 $376,900 (-5.8%) $462,695 (2.0%) 0.00 226
2024-04-01 $384,450 (-3.3%) $443,561 (-9.7%) 0.00 287
2024-05-01 $407,450 (1.9%) $459,478 (-9.4%) 0.00 277
2024-06-01 $419,900 (7.6%) $470,585 (-3.3%) 0.00 297
2024-07-01 $409,530 (11.6%) $463,370 (-3.0%) 0.00 314
2024-08-01 $399,900 (12.2%) $458,270 (-0.5%) 0.00 323
2024-09-01 $399,950 (12.9%) $455,446 (-1.5%) 0.00 321
2024-10-01 $398,300 (13.5%) $450,032 (-2.5%) 0.00 336
2024-11-01 $395,000 (13.1%) $447,073 (-1.8%) 0.00 332
2024-12-01 $389,950 (10.8%) $440,692 (-3.6%) 0.00 340
St. Marys's median listing price for 2024-12-01 was $389,950, a difference of $38,050 (10.8%) versus the prior year and $-5,050 versus the prior month.

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

St. Marys's average listing price for 2024-12-01 was $440,692, a difference of $-16,407 (-3.6%) versus the prior year and $-6,381 versus the prior month.

For the 2024-12-01 period, St. Marys had 340 MLS listings, a difference of 8 listings (2%) versus the prior month and 122 listings (56%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - St. Marys (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,073 sqft
2018-02-01 0 days 2,108 sqft
2018-03-01 0 days 2,083 sqft
2018-04-01 0 days 2,081 sqft
2018-05-01 0 days 2,078 sqft
2018-06-01 0 days 2,081 sqft
2018-07-01 0 days 2,026 sqft
2018-08-01 0 days 2,054 sqft
2018-09-01 0 days 2,036 sqft
2018-10-01 0 days 1,984 sqft
2018-11-01 0 days 1,934 sqft
2018-12-01 0 days 1,947 sqft
2019-01-01 0 days 1,922 sqft
2019-02-01 0 days 1,937 sqft
2019-03-01 0 days 1,960 sqft
2019-04-01 0 days 1,994 sqft
2019-05-01 0 days 1,954 sqft
2019-06-01 0 days 1,946 sqft
2019-07-01 0 days 2,012 sqft
2019-08-01 0 days 2,012 sqft
2019-09-01 0 days 2,046 sqft
2019-10-01 0 days 2,071 sqft
2019-11-01 0 days 2,065 sqft
2019-12-01 0 days 2,062 sqft
2020-01-01 0 days 2,045 sqft
2020-02-01 0 days 2,034 sqft
2020-03-01 0 days 2,061 sqft
2020-04-01 0 days 2,088 sqft
2020-05-01 0 days 2,180 sqft
2020-06-01 0 days 2,255 sqft
2020-07-01 0 days 2,215 sqft
2020-08-01 0 days 2,137 sqft
2020-09-01 0 days 2,155 sqft
2020-10-01 0 days 2,100 sqft
2020-11-01 0 days 2,099 sqft
2020-12-01 0 days 2,080 sqft
2021-01-01 0 days 2,103 sqft
2021-02-01 0 days 2,060 sqft
2021-03-01 0 days 2,066 sqft
2021-04-01 0 days 2,070 sqft
2021-05-01 0 days 1,997 sqft
2021-06-01 0 days 2,076 sqft
2021-07-01 0 days 2,000 sqft
2021-08-01 0 days 2,059 sqft
2021-09-01 0 days 1,997 sqft
2021-10-01 0 days 2,026 sqft
2021-11-01 0 days 2,040 sqft
2021-12-01 0 days 2,044 sqft
2022-01-01 0 days 2,114 sqft
2022-02-01 0 days 2,155 sqft
2022-03-01 0 days 2,089 sqft
2022-04-01 0 days 2,100 sqft
2022-05-01 0 days 2,084 sqft
2022-06-01 0 days 2,102 sqft
2022-07-01 0 days 2,130 sqft
2022-08-01 0 days 2,132 sqft
2022-09-01 0 days 2,055 sqft
2022-10-01 0 days 2,101 sqft
2022-11-01 0 days 2,044 sqft
2022-12-01 0 days 2,036 sqft
2023-01-01 0 days 2,014 sqft
2023-02-01 0 days 2,028 sqft
2023-03-01 0 days 2,117 sqft
2023-04-01 0 days 2,096 sqft
2023-05-01 0 days 2,061 sqft
2023-06-01 0 days 2,064 sqft
2023-07-01 0 days 2,045 sqft
2023-08-01 0 days 2,039 sqft
2023-09-01 0 days 2,008 sqft
2023-10-01 0 days 1,986 sqft
2023-11-01 0 days 1,934 sqft
2023-12-01 0 days 1,956 sqft
2024-01-01 0 days 1,969 sqft
2024-02-01 0 days 2,021 sqft
2024-03-01 0 days 2,067 sqft
2024-04-01 0 days 2,110 sqft
2024-05-01 0 days 2,158 sqft
2024-06-01 0 days 2,211 sqft
2024-07-01 0 days 2,159 sqft
2024-08-01 0 days 2,117 sqft
2024-09-01 0 days 2,067 sqft
2024-10-01 0 days 2,056 sqft
2024-11-01 0 days 2,051 sqft
2024-12-01 0 days 2,040 sqft
St. Marys's median listing age (time on market) for 2024-12-01 was 0 days.

St. Marys's median square footage for active listings during the 2024-12-01 period was 2,040 sqft. One year prior, the average listing was 1,956 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.