Warner Robins VA Loan Rates, Closing Costs & Stats

WARNER ROBINS, 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.

    Warner Robins's 115 lenders originated 1,513 VA loans during 2024. The total origination value was $477,585,000, with an average VA loan value of $315,654.

    Warner Robins VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Warner Robins averaged 6.32% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Warner Robins's average VA mortgage closing costs are $5,768.

    The average rate for the prior week (2025-03-28) was 6.54% and one month ago for the week of 2025-02-28, the average rate was 6.22%.

    The average rate one year ago was 6.53%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6%.

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

    Warner Robins 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 Warner Robins level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 236 6.45% $5,706
    UNITED WHOLESALE MORTGAGE, LLC 122 5.96% $8,003
    QUICKEN LOANS, LLC 113 6.12% $8,935
    FREEDOM MORTGAGE CORPORATION 73 6.16% $7,094
    GUILD MORTGAGE COMPANY 65 6.44% $11,134
    PENNYMAC LOAN SERVICES, LLC 46 5.73% $7,202
    NAVY FEDERAL CREDIT UNION 46 5.93% $5,231
    Synovus Bank 44 5.98% $8,917
    USAA Federal Savings Bank 43 6.30% $7,812
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 40 6.26% $7,857
    BROKER SOLUTIONS, INC. 34 6.43% $7,922
    Colony Bank 30 6.38% $7,130
    CANOPY MORTGAGE, LLC 26 6.26% $13,633
    GUARANTEED RATE, INC. 25 6.19% $6,072
    FBC MORTGAGE, LLC 25 5.42% $5,554
    NEW DAY FINANCIAL, LLC 24 7.63% $12,342
    NEWREZ LLC 22 5.91% $6,049
    VILLAGE CAPITAL MORTGAGE 20 6.02% $6,253
    DHI MORTGAGE COMPANY, LTD. 19 5.55% $5,471
    MORTGAGE SOLUTIONS OF COLORADO, LLC 17 6.95% $4,812
    FIRST COLONY MORTGAGE CORPORATION 16 5.99% $12,468
    PLANET HOME LENDING, LLC 15 5.66% $5,387
    LOANDEPOT.COM, LLC 15 5.77% $8,426
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 6.65% $5,914
    INSPIRE HOME LOANS INC. 14 5.32% $5,749
    CROSSCOUNTRY MORTGAGE, LLC 14 6.17% $5,700
    Alcova Mortgage LLC 13 6.45% $8,134
    ServisFirst Bank 12 6.22% $6,923
    The Federal Savings Bank 11 6.17% $11,790
    MUTUAL OF OMAHA MORTGAGE, INC. 11 6.33% $9,181
    Mr. Cooper ( Nationstar Mortgage ) 10 6.06% $9,247
    Barrington Bank & Trust Company, N.A. 10 6.26% $5,667
    Ameris Bank 9 5.97% $6,796
    Renasant Bank 7 5.91% $16,825
    VANDERBILT MORTGAGE AND FINANCE, INC. 6 5.96% $6,362
    NBKC BANK 6 5.56% $5,067
    CLEARPATH LENDING 6 5.44% $3,394
    Flagstar Bank, FSB 6 6.10% $4,171
    Lakeview Community Capital, LLC 6 5.90% $4,601
    PENTAGON FEDERAL CREDIT UNION 6 5.94% $11,263
    Century Mortgage Company DBA Century Lending Company 5 6.70% $4,533
    Equity Prime Mortgage LLC 5 6.58% $9,902
    SUN WEST MORTGAGE COMPANY, INC. 4 6.28% $9,625
    CMG MORTGAGE, INC. 4 6.22% $13,017
    PLAZA HOME MORTGAGE, INC. 4 6.47% $10,900
    MOVEMENT MORTGAGE, LLC 4 6.56% $11,479
    Carrington Mortgage Services, LLC 4 6.31% $6,236
    First Federal Bank 4 5.56% $5,857
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 6.03% $6,553
    AMERISAVE MORTGAGE CORPORATION 4 5.91% $13,523
    EMM LOANS LLC 3 6.17% $5,393
    CARDINAL FINANCIAL 3 6.16% $10,699
    TOWNE MORTGAGE COMPANY 3 7.21% $5,050
    Wells Fargo Bank 3 6.75% $16,341
    MILEND, INC. 3 6.71% $9,207
    Keystone Funding, Inc. 3 6.21% $8,515
    Paramount Residential Mortgage Group, Inc. 2 6.31% $8,081
    American Mortgage & Equity Consultants, Inc. 2 6.00% $8,711
    AmeriHome Mortgage Company, LLC 2 5.81% $8,481
    Capital Bank 2 6.38% $12,616
    CityWorth Mortgage LLC 2 6.44% $7,317
    CONTOUR MORTGAGE CORPORATION 2 5.75% $2,475
    Credence Funding Corporation 2 5.06% $9,653
    FIRST COMMUNITY MORTGAGE, INC. 2 6.31% $6,264
    LAKEVIEW LOAN SERVICING, LLC 2 5.88% $5,239
    Magnolia Bank 2 5.88% $8,441
    Mid-Continent Funding, Inc. 2 5.75% $7,969
    MORTGAGE INVESTORS GROUP, INC. 2 6.12% $10,950
    Nations Lending Corporation 2 6.00% $8,830
    ACOPIA, LLC 2 6.75% $3,424
    PHH Mortgage Corporation 2 5.56% $6,257
    PREMIA MORTGAGE, LLC 2 5.56% $3,631
    RELIANCE FIRST CAPITAL, LLC 2 7.19% $5,186
    The Loan Store, Inc. 2 6.69% $9,110
    Truist 2 6.30% $6,211
    U.S. Bank 2 5.94% $5,986
    LIBERTY HOME MORTGAGE CORPORATION 1 5.75% $14,377
    JPMorgan Chase Bank 1 6.25% $6,020
    VAN DYK MORTGAGE CORPORATION 1 7.13% $7,145
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.25% $8,783
    Presidential Bank, FSB 1 7.00% $9,321
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.75% $3,815
    Ixonia Bank 1 5.75% $3,787
    Regions Bank 1 6.25% $5,593
    BancorpSouth 1 6.75% $2,433
    HOMESIDE FINANCIAL, LLC 1 5.75% $6,336
    ROBINS FINANCIAL 1 6.38% $17,288
    RUOFF MORTGAGE COMPANY, INC. 1 6.13% $9,481
    SENTE MORTGAGE, INC. 1 6.25% $13,870
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.25% $1,482
    SHELTER HOME MORTGAGE, LLC 1 6.75% $5,026
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 5.75% $9,290
    South State Bank 1 5.25% $10,656
    SOUTHWEST FUNDING, LP 1 6.63% $11,041
    SOVEREIGN LENDING GROUP INCORPORATED 1 6.25% $5,091
    SUMMIT FUNDING, INC. 1 6.75% $10,014
    GERSHMAN INVESTMENT CORP. 1 6.13% $8
    SWBC MORTGAGE CORPORATION 1 4.50% $2,785
    FIRST HOME MORTGAGE CORPORATION 1 6.75% $9,952
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 5.63% $5,044
    Waterstone Mortgage Corporation 1 5.75% $7,007
    ENDEAVOR CAPITAL, LLC. 1 7.25% $5,810
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.25% $5,673
    UNION HOME MORTGAGE CORP. 1 6.13% $6,021
    United Community Bank 1 6.63% $2,151
    CRESCENT MORTGAGE COMPANY 1 5.88% $4,843
    Blue Ridge Bank 1 5.63% $4,963
    ZILLOW HOME LOANS, LLC 1 6.75% $3,137
    NFM, INC. 1 5.50% $17,395
    OCMBC, INC. 1 6.25% $3,039
    US MORTGAGE CORPORATION 1 7.25% $19,565
    MSA MORTGAGE, LLC 1 6.25% $11,811
    LOANPAL, LLC 1 6.50% $1,771
    BANKSOUTH MORTGAGE COMPANY, LLC 1 7.00% $5,800
    Plains Commerce Bank 1 6.25% $4,512

    The top Warner Robins VA lender as defined by loan originations is Mortgage Research Center, LLC, with 236 VA loans originated. Their average total fees are $5,706, which is $2,297 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Warner Robins VA lenders (with over 10 loans originated) are MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,812), NAVY FEDERAL CREDIT UNION ($5,231), PLANET HOME LENDING, LLC ($5,387), DHI MORTGAGE COMPANY, LTD. ($5,471) and FBC MORTGAGE, LLC ($5,554).

    The lowest rate Warner Robins VA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. (5.32%), FBC MORTGAGE, LLC (5.42%), DHI MORTGAGE COMPANY, LTD. (5.55%), PLANET HOME LENDING, LLC (5.66%) and PENNYMAC LOAN SERVICES, LLC (5.73%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Warner Robins (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 $206,547 (28.3%) $209,250 (13.4%) 0.77 753
    2018-02-01 $212,500 (28.9%) $214,155 (15.2%) 0.77 779
    2018-03-01 $214,350 (26.5%) $215,839 (13.5%) 0.75 780
    2018-04-01 $218,894 (22.9%) $218,506 (11.0%) 0.74 766
    2018-05-01 $219,500 (18.7%) $220,858 (8.1%) 0.73 771
    2018-06-01 $216,888 (14.5%) $218,416 (5.4%) 0.72 816
    2018-07-01 $216,644 (11.2%) $218,970 (4.5%) 0.72 863
    2018-08-01 $211,563 (11.0%) $216,572 (3.7%) 0.71 890
    2018-09-01 $210,250 (7.5%) $211,864 (1.9%) 0.71 858
    2018-10-01 $214,163 (8.2%) $213,473 (3.5%) 0.73 852
    2018-11-01 $218,638 (12.0%) $218,846 (7.1%) 0.74 874
    2018-12-01 $218,772 (10.0%) $217,429 (5.7%) 0.75 818
    2019-01-01 $218,763 (5.9%) $213,332 (2.0%) 0.76 773
    2019-02-01 $217,963 (2.6%) $212,970 (-0.6%) 0.74 759
    2019-03-01 $212,064 (-1.1%) $214,072 (-0.8%) 0.69 768
    2019-04-01 $208,150 (-4.9%) $217,076 (-0.7%) 0.66 808
    2019-05-01 $199,950 (-8.9%) $215,778 (-2.3%) 0.62 814
    2019-06-01 $215,000 (-0.9%) $222,252 (1.8%) 0.67 749
    2019-07-01 $212,300 (-2.0%) $221,478 (1.2%) 0.66 751
    2019-08-01 $215,264 (1.8%) $224,405 (3.6%) 0.68 761
    2019-09-01 $219,559 (4.4%) $226,657 (7.0%) 0.70 767
    2019-10-01 $218,473 (2.0%) $227,246 (6.5%) 0.70 744
    2019-11-01 $213,000 (-2.6%) $223,218 (2.0%) 0.70 694
    2019-12-01 $218,837 (0.0%) $230,499 (6.0%) 0.73 649
    2020-01-01 $218,060 (-0.3%) $226,775 (6.3%) 0.73 636
    2020-02-01 $217,450 (-0.2%) $225,746 (6.0%) 0.71 618
    2020-03-01 $214,925 (1.4%) $228,632 (6.8%) 0.67 586
    2020-04-01 $215,000 (3.3%) $229,869 (5.9%) 0.67 539
    2020-05-01 $226,450 (13.3%) $233,992 (8.4%) 0.69 510
    2020-06-01 $235,670 (9.6%) $238,615 (7.4%) 0.69 426
    2020-07-01 $238,550 (12.4%) $243,181 (9.8%) 0.69 383
    2020-08-01 $232,228 (7.9%) $240,329 (7.1%) 0.67 382
    2020-09-01 $242,400 (10.4%) $249,041 (9.9%) 0.69 345
    2020-10-01 $239,450 (9.6%) $255,220 (12.3%) 0.69 313
    2020-11-01 $233,446 (9.6%) $249,920 (12.0%) 0.68 302
    2020-12-01 $236,641 (8.1%) $252,897 (9.7%) 0.70 295
    2021-01-01 $243,840 (11.8%) $265,517 (17.1%) 0.73 249
    2021-02-01 $252,710 (16.2%) $273,611 (21.2%) 0.74 218
    2021-03-01 $267,500 (24.5%) $282,985 (23.8%) 0.76 197
    2021-04-01 $277,425 (29.0%) $299,073 (30.1%) 0.75 197
    2021-05-01 $282,450 (24.7%) $294,037 (25.7%) 0.75 212
    2021-06-01 $294,950 (25.2%) $305,666 (28.1%) 0.78 249
    2021-07-01 $274,450 (15.1%) $296,435 (21.9%) 0.72 307
    2021-08-01 $257,180 (10.7%) $281,534 (17.2%) 0.69 319
    2021-09-01 $274,950 (13.4%) $288,225 (15.7%) 0.73 332
    2021-10-01 $255,486 (6.7%) $280,443 (9.9%) 0.68 380
    2021-11-01 $263,129 (12.7%) $290,150 (16.1%) 0.70 365
    2021-12-01 $267,652 (13.1%) $286,151 (13.2%) 0.73 320
    2022-01-01 $278,080 (14.0%) $289,639 (9.1%) 0.75 305
    2022-02-01 $288,765 (14.3%) $305,484 (11.7%) 0.75 288
    2022-03-01 $299,167 (11.8%) $312,473 (10.4%) 0.75 289
    2022-04-01 $287,995 (3.8%) $308,240 (3.1%) 0.69 289
    2022-05-01 $294,658 (4.3%) $313,247 (6.5%) 0.67 350
    2022-06-01 $305,653 (3.6%) $316,551 (3.6%) 0.68 408
    2022-07-01 $323,036 (17.7%) $337,969 (14.0%) 0.73 426
    2022-08-01 $324,484 (26.2%) $333,742 (18.5%) 0.75 428
    2022-09-01 $321,255 (16.8%) $326,607 (13.3%) 0.75 434
    2022-10-01 $321,915 (26.0%) $328,522 (17.1%) 0.76 470
    2022-11-01 $319,900 (21.6%) $319,328 (10.1%) 0.77 520
    2022-12-01 $315,000 (17.7%) $318,784 (11.4%) 0.78 533
    2023-01-01 $310,293 (11.6%) $328,148 (13.3%) 0.77 506
    2023-02-01 $307,500 (6.5%) $328,117 (7.4%) 0.74 499
    2023-03-01 $302,828 (1.2%) $325,765 (4.3%) 0.71 495
    2023-04-01 $298,961 (3.8%) $322,568 (4.7%) 0.70 530
    2023-05-01 $301,300 (2.3%) $332,156 (6.0%) 0.68 534
    2023-06-01 $312,175 (2.1%) $327,983 (3.6%) 0.70 519
    2023-07-01 $310,950 (-3.7%) $326,248 (-3.5%) 0.71 491
    2023-08-01 $306,450 (-5.6%) $324,772 (-2.7%) 0.70 487
    2023-09-01 $307,900 (-4.2%) $324,672 (-0.6%) 0.72 511
    2023-10-01 $299,048 (-7.1%) $317,782 (-3.3%) 0.70 583
    2023-11-01 $299,023 (-6.5%) $320,007 (0.2%) 0.71 635
    2023-12-01 $296,690 (-5.8%) $315,189 (-1.1%) 0.72 650
    2024-01-01 $295,970 (-4.6%) $313,577 (-4.4%) 0.72 603
    2024-02-01 $294,270 (-4.3%) $311,311 (-5.1%) 0.71 593
    2024-03-01 $294,453 (-2.8%) $313,737 (-3.7%) 0.69 588
    2024-04-01 $299,575 (0.2%) $324,886 (0.7%) 0.70 533
    2024-05-01 $309,295 (2.7%) $331,209 (-0.3%) 0.70 526
    2024-06-01 $309,490 (-0.9%) $341,741 (4.2%) 0.70 524
    2024-07-01 $315,623 (1.5%) $341,967 (4.8%) 0.72 529
    2024-08-01 $309,490 (1.0%) $332,918 (2.5%) 0.72 549
    2024-09-01 $299,950 (-2.6%) $330,727 (1.9%) 0.71 572
    2024-10-01 $296,918 (-0.7%) $326,410 (2.7%) 0.70 547
    2024-11-01 $295,000 (-1.4%) $321,536 (0.5%) 0.71 559
    2024-12-01 $299,425 (0.9%) $332,043 (5.4%) 0.74 537
    2025-01-01 $299,450 (1.2%) $331,381 (5.7%) 0.75 528
    2025-02-01 $302,616 (2.8%) $337,564 (8.4%) 0.73 497
    2025-03-01 $299,825 (1.8%) $322,747 (2.9%) 0.00 579
    Warner Robins's median listing price for 2025-03-01 was $299,825, a difference of $5,372 (1.8%) versus the prior year and $-2,791 versus the prior month.

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

    Warner Robins's average listing price for 2025-03-01 was $322,747, a difference of $9,010 (2.9%) versus the prior year and $-14,817 versus the prior month.

    For the 2025-03-01 period, Warner Robins had 579 MLS listings, a difference of 82 listings (16%) versus the prior month and -9 listings (-2%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Warner Robins (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 80 days 2,272 sqft
    2018-02-01 66 days 2,299 sqft
    2018-03-01 54 days 2,320 sqft
    2018-04-01 60 days 2,345 sqft
    2018-05-01 66 days 2,364 sqft
    2018-06-01 68 days 2,352 sqft
    2018-07-01 63 days 2,327 sqft
    2018-08-01 60 days 2,318 sqft
    2018-09-01 72 days 2,321 sqft
    2018-10-01 82 days 2,322 sqft
    2018-11-01 83 days 2,346 sqft
    2018-12-01 92 days 2,331 sqft
    2019-01-01 97 days 2,307 sqft
    2019-02-01 83 days 2,295 sqft
    2019-03-01 71 days 2,305 sqft
    2019-04-01 58 days 2,327 sqft
    2019-05-01 60 days 2,307 sqft
    2019-06-01 58 days 2,327 sqft
    2019-07-01 59 days 2,296 sqft
    2019-08-01 60 days 2,312 sqft
    2019-09-01 62 days 2,318 sqft
    2019-10-01 65 days 2,298 sqft
    2019-11-01 69 days 2,245 sqft
    2019-12-01 74 days 2,277 sqft
    2020-01-01 75 days 2,262 sqft
    2020-02-01 68 days 2,278 sqft
    2020-03-01 60 days 2,221 sqft
    2020-04-01 62 days 2,192 sqft
    2020-05-01 66 days 2,270 sqft
    2020-06-01 58 days 2,346 sqft
    2020-07-01 49 days 2,369 sqft
    2020-08-01 39 days 2,298 sqft
    2020-09-01 50 days 2,336 sqft
    2020-10-01 49 days 2,267 sqft
    2020-11-01 42 days 2,263 sqft
    2020-12-01 46 days 2,246 sqft
    2021-01-01 54 days 2,330 sqft
    2021-02-01 46 days 2,360 sqft
    2021-03-01 28 days 2,421 sqft
    2021-04-01 31 days 2,478 sqft
    2021-05-01 29 days 2,486 sqft
    2021-06-01 26 days 2,515 sqft
    2021-07-01 30 days 2,471 sqft
    2021-08-01 49 days 2,366 sqft
    2021-09-01 41 days 2,306 sqft
    2021-10-01 34 days 2,142 sqft
    2021-11-01 47 days 2,234 sqft
    2021-12-01 60 days 2,246 sqft
    2022-01-01 55 days 2,178 sqft
    2022-02-01 43 days 2,143 sqft
    2022-03-01 46 days 2,202 sqft
    2022-04-01 36 days 2,161 sqft
    2022-05-01 23 days 1,982 sqft
    2022-06-01 33 days 2,081 sqft
    2022-07-01 43 days 2,250 sqft
    2022-08-01 48 days 2,267 sqft
    2022-09-01 53 days 2,184 sqft
    2022-10-01 54 days 2,246 sqft
    2022-11-01 54 days 2,193 sqft
    2022-12-01 59 days 2,199 sqft
    2023-01-01 64 days 2,184 sqft
    2023-02-01 51 days 2,180 sqft
    2023-03-01 47 days 2,121 sqft
    2023-04-01 44 days 1,984 sqft
    2023-05-01 51 days 2,205 sqft
    2023-06-01 49 days 2,301 sqft
    2023-07-01 56 days 2,187 sqft
    2023-08-01 45 days 2,155 sqft
    2023-09-01 46 days 2,156 sqft
    2023-10-01 42 days 2,043 sqft
    2023-11-01 47 days 2,021 sqft
    2023-12-01 57 days 2,009 sqft
    2024-01-01 62 days 1,972 sqft
    2024-02-01 47 days 1,951 sqft
    2024-03-01 45 days 1,947 sqft
    2024-04-01 47 days 1,973 sqft
    2024-05-01 44 days 2,055 sqft
    2024-06-01 47 days 2,096 sqft
    2024-07-01 47 days 2,142 sqft
    2024-08-01 51 days 2,062 sqft
    2024-09-01 48 days 2,046 sqft
    2024-10-01 53 days 2,006 sqft
    2024-11-01 50 days 2,000 sqft
    2024-12-01 55 days 2,001 sqft
    2025-01-01 63 days 1,992 sqft
    2025-02-01 62 days 2,062 sqft
    2025-03-01 0 days 2,001 sqft
    Warner Robins's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Warner Robins's median square footage for active listings during the 2025-03-01 period was 2,001 sqft. One year prior, the average listing was 1,947 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.