St. Marys VA Loan Rates, Closing Costs & Stats

St. Marys, 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.

    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.