Statesboro VA Loan Rates, Closing Costs & Stats

Statesboro, GA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Statesboro's 46 lenders originated 160 VA loans during 2023. The total origination value was $49,200,000, with an average VA loan value of $307,500.

    Statesboro VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Statesboro averaged 6.56% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Statesboro's average VA mortgage closing costs are $5,476.

    The average rate for the prior week (2025-02-07) was 6.7% and one month ago for the week of 2025-01-10, the average rate was 6.83%.

    The average rate one year ago was 6.56%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.23%.

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

    Statesboro 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 Statesboro level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 32 6.79% $6,407
    BROKER SOLUTIONS, INC. 12 6.36% $11,412
    UNITED WHOLESALE MORTGAGE, LLC 11 6.38% $9,506
    BANKSOUTH MORTGAGE COMPANY, LLC 8 6.16% $11,623
    PENNYMAC LOAN SERVICES, LLC 8 5.19% $6,086
    MOVEMENT MORTGAGE, LLC 6 6.94% $6,739
    NAVY FEDERAL CREDIT UNION 6 5.73% $3,414
    QUICKEN LOANS, LLC 6 6.06% $12,455
    GUARANTEED RATE, INC. 5 6.23% $4,476
    Flagstar Bank, FSB 5 6.66% $6,343
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 8.03% $2,463
    GUILD MORTGAGE COMPANY 4 6.34% $12,674
    CARDINAL FINANCIAL 3 6.92% $14,691
    Mr. Cooper ( Nationstar Mortgage ) 3 6.00% $10,948
    The Central Trust Bank 2 5.88% $8,693
    Equity Prime Mortgage LLC 2 6.50% $4,386
    Magnolia Bank 2 5.81% $13,818
    HOMESTAR FINANCIAL CORPORATION 2 6.75% $1,073
    USAA Federal Savings Bank 2 6.06% $4,753
    NEW DAY FINANCIAL, LLC 2 7.74% $15,332
    Willamette Valley Bank 2 6.44% $7,001
    Nations Lending Corporation 2 6.25% $13,018
    FREEDOM MORTGAGE CORPORATION 2 7.00% $14,107
    Synovus Bank 2 5.94% $10,985
    TOWNE MORTGAGE COMPANY 1 6.49% $10,931
    Ameris Bank 1 6.00% $16,774
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.75% $2,815
    Barrington Bank & Trust Company, N.A. 1 7.25% $10,067
    Carrington Mortgage Services, LLC 1 6.75% $12,121
    Colony Bank 1 6.50% $4,287
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.63% $1,209
    GUARANTY HOME MORTGAGE CORPORATION 1 6.25% $10,853
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.50% $6,217
    LOANDEPOT.COM, LLC 1 7.13% $4,226
    MILEND, INC. 1 7.13% $9,635
    MORTGAGE EQUITY PARTNERS LLC 1 7.13% $11,524
    Queensborough National Bank & Trust Company 1 6.75% $4,186
    Renasant Bank 1 6.75% $6,627
    RESIDENTIAL HOME FUNDING CORP. 1 5.50% $21,019
    SOUTHERN TRUST MORTGAGE, LLC 1 6.88% $10,556
    STOCKTON MORTGAGE CORPORATION 1 6.25% $4,228
    SWBC MORTGAGE CORPORATION 1 7.25% $775
    The Federal Savings Bank 1 6.75% $13,925
    AmeriHome Mortgage Company, LLC 1 6.13% $888
    UNION HOME MORTGAGE CORP. 1 5.88% $9,285
    VILLAGE CAPITAL MORTGAGE 1 6.75% $16,520

    The top Statesboro VA lender as defined by loan originations is Mortgage Research Center, LLC, with 32 VA loans originated. Their average total fees are $6,407, which is $5,005 lower than the next largest lender, BROKER SOLUTIONS, INC..

    The lowest fee Statesboro VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($6,407), UNITED WHOLESALE MORTGAGE, LLC ($9,506), BROKER SOLUTIONS, INC. ($11,412), .

    The lowest rate Statesboro VA lenders (with over 10 loans originated) are BROKER SOLUTIONS, INC. (6.36%), UNITED WHOLESALE MORTGAGE, LLC (6.38%), Mortgage Research Center, LLC (6.79%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Statesboro (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 $156,825 (-0.6%) $188,589 (0.9%) 0.00 401
    2018-02-01 $150,950 (-3.2%) $181,032 (-2.3%) 0.00 421
    2018-03-01 $159,450 (0.7%) $189,086 (0.0%) 0.00 438
    2018-04-01 $159,900 (0.0%) $191,843 (-0.1%) 0.00 440
    2018-05-01 $154,925 (-2.8%) $191,990 (0.0%) 0.00 430
    2018-06-01 $160,500 (2.3%) $202,107 (8.5%) 0.00 415
    2018-07-01 $164,125 (2.6%) $209,703 (11.4%) 0.00 382
    2018-08-01 $165,450 (1.9%) $212,771 (11.5%) 0.00 380
    2018-09-01 $160,000 (0.6%) $208,337 (6.1%) 0.00 371
    2018-10-01 $160,000 (2.0%) $205,641 (5.8%) 0.00 390
    2018-11-01 $166,500 (5.7%) $206,367 (9.2%) 0.00 376
    2018-12-01 $169,000 (10.5%) $199,162 (6.3%) 0.00 366
    2019-01-01 $169,900 (8.3%) $199,590 (5.8%) 0.00 346
    2019-02-01 $169,900 (12.6%) $202,790 (12.0%) 0.00 338
    2019-03-01 $169,386 (6.2%) $203,718 (7.7%) 0.00 340
    2019-04-01 $173,450 (8.5%) $211,427 (10.2%) 0.00 345
    2019-05-01 $175,800 (13.5%) $220,995 (15.1%) 0.00 325
    2019-06-01 $178,900 (11.5%) $227,179 (12.4%) 0.00 314
    2019-07-01 $176,700 (7.7%) $220,807 (5.3%) 0.00 331
    2019-08-01 $171,536 (3.7%) $220,516 (3.6%) 0.00 313
    2019-09-01 $173,991 (8.7%) $222,118 (6.6%) 0.00 286
    2019-10-01 $180,400 (12.8%) $226,198 (10.0%) 0.00 258
    2019-11-01 $179,450 (7.8%) $221,315 (7.2%) 0.00 258
    2019-12-01 $182,400 (7.9%) $218,423 (9.7%) 0.00 271
    2020-01-01 $186,375 (9.7%) $229,963 (15.2%) 0.00 270
    2020-02-01 $183,150 (7.8%) $226,873 (11.9%) 0.00 281
    2020-03-01 $189,900 (12.1%) $229,642 (12.7%) 0.00 271
    2020-04-01 $189,950 (9.5%) $230,876 (9.2%) 0.00 286
    2020-05-01 $199,250 (13.3%) $233,871 (5.8%) 0.00 271
    2020-06-01 $199,900 (11.7%) $243,582 (7.2%) 0.00 240
    2020-07-01 $207,500 (17.4%) $245,680 (11.3%) 0.00 223
    2020-08-01 $201,003 (17.2%) $249,259 (13.0%) 0.00 210
    2020-09-01 $212,925 (22.4%) $254,751 (14.7%) 0.00 181
    2020-10-01 $200,000 (10.9%) $242,931 (7.4%) 0.00 172
    2020-11-01 $200,100 (11.5%) $246,502 (11.4%) 0.00 172
    2020-12-01 $190,550 (4.5%) $245,934 (12.6%) 0.00 160
    2021-01-01 $199,450 (7.0%) $264,361 (15.0%) 0.00 126
    2021-02-01 $216,808 (18.4%) $277,370 (22.3%) 0.00 109
    2021-03-01 $204,950 (7.9%) $271,735 (18.3%) 0.00 97
    2021-04-01 $235,700 (24.1%) $299,318 (29.6%) 0.00 94
    2021-05-01 $217,450 (9.1%) $293,402 (25.5%) 0.00 94
    2021-06-01 $219,950 (10.0%) $284,976 (17.0%) 0.00 88
    2021-07-01 $225,000 (8.4%) $278,583 (13.4%) 0.00 99
    2021-08-01 $248,481 (23.6%) $295,311 (18.5%) 0.00 101
    2021-09-01 $251,030 (17.9%) $303,282 (19.1%) 0.00 109
    2021-10-01 $259,950 (30.0%) $313,093 (28.9%) 0.00 101
    2021-11-01 $264,700 (32.3%) $346,187 (40.4%) 0.00 101
    2021-12-01 $272,410 (43.0%) $339,968 (38.2%) 0.00 98
    2022-01-01 $269,250 (35.0%) $342,638 (29.6%) 0.00 92
    2022-02-01 $259,925 (19.9%) $335,367 (20.9%) 0.00 85
    2022-03-01 $271,275 (32.4%) $323,048 (18.9%) 0.00 92
    2022-04-01 $289,900 (23.0%) $335,408 (12.1%) 0.00 109
    2022-05-01 $300,200 (38.1%) $350,047 (19.3%) 0.00 105
    2022-06-01 $297,975 (35.5%) $342,494 (20.2%) 0.00 115
    2022-07-01 $301,000 (33.8%) $348,562 (25.1%) 0.00 120
    2022-08-01 $318,994 (28.4%) $371,800 (25.9%) 0.00 118
    2022-09-01 $329,725 (31.4%) $404,531 (33.4%) 0.00 114
    2022-10-01 $338,750 (30.3%) $398,819 (27.4%) 0.00 131
    2022-11-01 $323,835 (22.3%) $387,428 (11.9%) 0.00 144
    2022-12-01 $331,000 (21.5%) $398,436 (17.2%) 0.00 133
    2023-01-01 $349,000 (29.6%) $401,290 (17.1%) 0.00 119
    2023-02-01 $354,950 (36.6%) $437,483 (30.5%) 0.00 103
    2023-03-01 $339,250 (25.1%) $433,665 (34.2%) 0.00 98
    2023-04-01 $329,000 (13.5%) $426,065 (27.0%) 0.00 96
    2023-05-01 $335,000 (11.6%) $404,733 (15.6%) 0.00 105
    2023-06-01 $342,500 (14.9%) $415,334 (21.3%) 0.00 98
    2023-07-01 $342,500 (13.8%) $430,173 (23.4%) 0.00 104
    2023-08-01 $339,950 (6.6%) $400,187 (7.6%) 0.00 114
    2023-09-01 $334,804 (1.5%) $379,964 (-6.1%) 0.00 121
    2023-10-01 $329,950 (-2.6%) $381,542 (-4.3%) 0.00 137
    2023-11-01 $325,750 (0.6%) $394,735 (1.9%) 0.00 165
    2023-12-01 $325,000 (-1.8%) $402,853 (1.1%) 0.00 162
    2024-01-01 $325,000 (-6.9%) $400,890 (-0.1%) 0.00 159
    2024-02-01 $319,950 (-9.9%) $385,275 (-11.9%) 0.00 151
    2024-03-01 $330,450 (-2.6%) $399,574 (-7.9%) 0.00 139
    2024-04-01 $327,450 (-0.5%) $400,604 (-6.0%) 0.00 151
    2024-05-01 $328,750 (-1.9%) $404,408 (-0.1%) 0.00 182
    2024-06-01 $328,700 (-4.0%) $407,241 (-2.0%) 0.00 181
    2024-07-01 $337,494 (-1.5%) $429,034 (-0.3%) 0.00 181
    2024-08-01 $344,600 (1.4%) $421,298 (5.3%) 0.00 172
    2024-09-01 $345,450 (3.2%) $403,727 (6.3%) 0.00 191
    2024-10-01 $342,450 (3.8%) $414,905 (8.7%) 0.00 175
    2024-11-01 $330,000 (1.3%) $422,091 (6.9%) 0.00 179
    2024-12-01 $333,450 (2.6%) $409,974 (1.8%) 0.00 182
    2025-01-01 $336,675 (3.6%) $402,765 (0.5%) 0.00 193
    Statesboro's median listing price for 2025-01-01 was $336,675, a difference of $11,675 (3.6%) versus the prior year and $3,225 versus the prior month.

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

    Statesboro's average listing price for 2025-01-01 was $402,765, a difference of $1,875 (0.5%) versus the prior year and $-7,209 versus the prior month.

    For the 2025-01-01 period, Statesboro had 193 MLS listings, a difference of 11 listings (6%) versus the prior month and 34 listings (21%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Statesboro (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,855 sqft
    2018-02-01 0 days 1,823 sqft
    2018-03-01 0 days 1,848 sqft
    2018-04-01 0 days 1,870 sqft
    2018-05-01 0 days 1,848 sqft
    2018-06-01 0 days 1,874 sqft
    2018-07-01 0 days 1,927 sqft
    2018-08-01 0 days 1,925 sqft
    2018-09-01 0 days 1,852 sqft
    2018-10-01 0 days 1,877 sqft
    2018-11-01 0 days 1,927 sqft
    2018-12-01 0 days 1,922 sqft
    2019-01-01 0 days 1,923 sqft
    2019-02-01 0 days 1,922 sqft
    2019-03-01 0 days 1,927 sqft
    2019-04-01 0 days 1,967 sqft
    2019-05-01 0 days 1,965 sqft
    2019-06-01 0 days 2,029 sqft
    2019-07-01 0 days 2,008 sqft
    2019-08-01 0 days 1,987 sqft
    2019-09-01 0 days 1,966 sqft
    2019-10-01 0 days 1,952 sqft
    2019-11-01 0 days 1,956 sqft
    2019-12-01 0 days 1,977 sqft
    2020-01-01 0 days 1,990 sqft
    2020-02-01 0 days 1,990 sqft
    2020-03-01 0 days 2,094 sqft
    2020-04-01 0 days 2,150 sqft
    2020-05-01 0 days 2,213 sqft
    2020-06-01 0 days 2,221 sqft
    2020-07-01 0 days 2,223 sqft
    2020-08-01 0 days 2,200 sqft
    2020-09-01 0 days 2,239 sqft
    2020-10-01 0 days 2,022 sqft
    2020-11-01 0 days 1,962 sqft
    2020-12-01 0 days 1,950 sqft
    2021-01-01 0 days 1,918 sqft
    2021-02-01 0 days 1,965 sqft
    2021-03-01 0 days 1,982 sqft
    2021-04-01 0 days 2,134 sqft
    2021-05-01 0 days 2,008 sqft
    2021-06-01 0 days 1,998 sqft
    2021-07-01 0 days 2,020 sqft
    2021-08-01 0 days 2,048 sqft
    2021-09-01 0 days 2,127 sqft
    2021-10-01 0 days 2,114 sqft
    2021-11-01 0 days 2,174 sqft
    2021-12-01 0 days 2,121 sqft
    2022-01-01 0 days 2,200 sqft
    2022-02-01 0 days 2,135 sqft
    2022-03-01 0 days 2,003 sqft
    2022-04-01 0 days 2,081 sqft
    2022-05-01 0 days 2,238 sqft
    2022-06-01 0 days 2,084 sqft
    2022-07-01 0 days 2,100 sqft
    2022-08-01 0 days 2,128 sqft
    2022-09-01 0 days 2,205 sqft
    2022-10-01 0 days 2,280 sqft
    2022-11-01 0 days 2,198 sqft
    2022-12-01 0 days 2,337 sqft
    2023-01-01 0 days 2,426 sqft
    2023-02-01 0 days 2,451 sqft
    2023-03-01 0 days 2,355 sqft
    2023-04-01 0 days 2,093 sqft
    2023-05-01 0 days 2,114 sqft
    2023-06-01 0 days 2,121 sqft
    2023-07-01 0 days 2,130 sqft
    2023-08-01 0 days 2,103 sqft
    2023-09-01 0 days 2,004 sqft
    2023-10-01 0 days 1,935 sqft
    2023-11-01 0 days 1,928 sqft
    2023-12-01 0 days 1,917 sqft
    2024-01-01 0 days 1,952 sqft
    2024-02-01 0 days 1,926 sqft
    2024-03-01 0 days 2,035 sqft
    2024-04-01 0 days 1,972 sqft
    2024-05-01 0 days 1,915 sqft
    2024-06-01 0 days 1,952 sqft
    2024-07-01 0 days 2,000 sqft
    2024-08-01 0 days 2,005 sqft
    2024-09-01 0 days 2,001 sqft
    2024-10-01 0 days 2,008 sqft
    2024-11-01 0 days 1,960 sqft
    2024-12-01 0 days 1,976 sqft
    2025-01-01 0 days 1,975 sqft
    Statesboro's median listing age (time on market) for 2025-01-01 was 0 days.

    Statesboro's median square footage for active listings during the 2025-01-01 period was 1,975 sqft. One year prior, the average listing was 1,952 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.