Valdosta VA Loan Rates, Closing Costs & Stats

VALDOSTA, 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.

    Valdosta's 88 lenders originated 845 VA loans during 2024. The total origination value was $227,265,000, with an average VA loan value of $268,953.

    Valdosta VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Valdosta averaged 0.21% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Valdosta's average VA mortgage closing costs are $5,789.

    The average rate for the prior week (2025-06-13) was 6.76% and one month ago for the week of 2025-05-16, the average rate was 6.32%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.17%.

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

    Valdosta 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 Valdosta level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 137 6.45% $5,115
    DHI MORTGAGE COMPANY, LTD. 98 5.13% $7,651
    Ameris Bank 87 6.14% $10,023
    UNITED WHOLESALE MORTGAGE, LLC 80 6.14% $6,999
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 40 6.38% $6,325
    FREEDOM MORTGAGE CORPORATION 38 6.25% $6,583
    BANKSOUTH MORTGAGE COMPANY, LLC 30 6.04% $10,082
    NAVY FEDERAL CREDIT UNION 27 5.86% $6,164
    QUICKEN LOANS, LLC 25 6.03% $9,613
    PENNYMAC LOAN SERVICES, LLC 18 5.78% $6,427
    VILLAGE CAPITAL MORTGAGE 10 5.85% $4,325
    LOANDEPOT.COM, LLC 10 6.46% $6,713
    USAA Federal Savings Bank 10 6.19% $5,963
    NBKC BANK 9 6.11% $6,862
    PLANET HOME LENDING, LLC 8 5.95% $3,140
    Barrington Bank & Trust Company, N.A. 8 6.39% $5,675
    Renasant Bank 8 6.16% $6,441
    NEW DAY FINANCIAL, LLC 7 7.37% $8,601
    BROKER SOLUTIONS, INC. 7 6.55% $10,038
    STOCKTON MORTGAGE CORPORATION 7 6.70% $4,582
    Equity Prime Mortgage LLC 7 6.71% $5,887
    CARDINAL FINANCIAL 7 6.70% $8,884
    CROSSCOUNTRY MORTGAGE, LLC 6 6.28% $9,116
    MORTGAGE SOLUTIONS OF COLORADO, LLC 6 6.75% $5,280
    CANOPY MORTGAGE, LLC 5 5.59% $13,906
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 4 6.12% $5,679
    GUILD MORTGAGE COMPANY 4 6.50% $9,478
    Colony Bank 4 6.40% $3,825
    Mr. Cooper ( Nationstar Mortgage ) 4 6.03% $7,048
    Magnolia Bank 3 5.96% $11,084
    NEWREZ LLC 3 6.25% $6,592
    NP, Inc. 3 6.88% $7,906
    Prosperity Home Mortgage, LLC 3 6.00% $9,096
    Plains Commerce Bank 3 6.54% $9,915
    First Federal Bank 3 6.13% $8,750
    CMG MORTGAGE, INC. 3 5.58% $8,342
    NexBank 3 5.92% $10,502
    Flagstar Bank, FSB 3 6.42% $8,346
    The Federal Savings Bank 3 6.29% $13,124
    HOMESIDE FINANCIAL, LLC 3 7.17% $8,372
    NATIONS DIRECT MORTGAGE, LLC 2 6.13% $9,600
    Presidential Bank, FSB 2 6.00% $7,217
    GARDNER FINANCIAL SERVICES, LTD. 2 6.19% $7,600
    Carrington Mortgage Services, LLC 2 6.44% $9,085
    PENTAGON FEDERAL CREDIT UNION 2 4.25% $11,151
    ALLIANT CREDIT UNION 2 5.75% $8,672
    Lakeview Community Capital, LLC 2 6.00% $7,199
    LAKEVIEW LOAN SERVICING, LLC 2 5.75% $6,641
    LOANPAL, LLC 2 6.06% $6,771
    Mid-Continent Funding, Inc. 2 6.44% $5,438
    The Central Trust Bank 2 6.56% $11,470
    MOVEMENT MORTGAGE, LLC 2 6.94% $9,439
    MUTUAL OF OMAHA MORTGAGE, INC. 2 5.81% $7,815
    Wells Fargo Bank 1 5.50% $4,947
    ALLIED MORTGAGE GROUP, INC. 1 5.75% $6,215
    AMERICAN FINANCIAL NETWORK, INC. 1 6.75% $9,595
    AmeriHome Mortgage Company, LLC 1 6.13% $4,126
    Armed Forces Bank 1 6.25% $11,207
    Capital City Home Loans, LLC 1 7.25% $2,313
    Century Mortgage Company DBA Century Lending Company 1 6.25% $690
    Citizens Bank 1 6.00% $6,360
    CLEARPATH LENDING 1 5.50% $6,746
    Core Bank 1 5.62% $11,192
    Cornerstone First Mortgage, Inc 1 6.75% $9,337
    Credence Funding Corporation 1 6.25% $3,502
    EVERETT FINANCIAL, INC. 1 6.75% $8,626
    GMFS LLC 1 6.13% $409
    GUARANTEED RATE, INC. 1 6.58% $75
    JMAC LENDING, INC. 1 6.13% $13,591
    JPMorgan Chase Bank 1 6.50% $500
    Nations Lending Corporation 1 6.50% $10,627
    NORWICH COMMERCIAL GROUP, INC. 1 5.75% $2,378
    Old National Bank 1 5.63% $20,215
    Paramount Residential Mortgage Group, Inc. 1 6.13% $8,421
    PHH Mortgage Corporation 1 5.63% $6,642
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.00% $6,863
    Service Federal Credit Union 1 6.13% $5,490
    Servion, Inc. 1 7.13% $8,601
    Stride Bank 1 6.50% $11,045
    SUN WEST MORTGAGE COMPANY, INC. 1 5.75% $17,809
    SWBC MORTGAGE CORPORATION 1 5.63% $22,353
    Synovus Bank 1 5.75% $8,481
    TJC Mortgage, Inc. 1 5.50% $7,652
    Tyndall Federal Credit Union 1 5.50% $4,541
    UNION HOME MORTGAGE CORP. 1 5.63% $5,749
    University Bank 1 6.25% $12,317
    VERITAS FUNDING, LLC 1 6.13% $26,820
    Academy Bank 1 6.75% $5,961

    The top Valdosta VA lender as defined by loan originations is Mortgage Research Center, LLC, with 137 VA loans originated. Their average total fees are $5,115, which is $2,535 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Valdosta VA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($4,325), Mortgage Research Center, LLC ($5,115), USAA Federal Savings Bank ($5,963), NAVY FEDERAL CREDIT UNION ($6,164) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,325).

    The lowest rate Valdosta VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.13%), PENNYMAC LOAN SERVICES, LLC (5.78%), VILLAGE CAPITAL MORTGAGE (5.85%), NAVY FEDERAL CREDIT UNION (5.86%) and QUICKEN LOANS, LLC (6.03%).

    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.