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 6.4% for the week of 2026-07-24, compared to the national average (all VA variants) of 6.236% for the same period.

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

    The average rate for the prior week (2026-07-17) was 6.63% and one month ago for the week of 2026-06-19, the average rate was 6.45%.

    The average rate one year ago was 6.44%.

    For refis of the same type during the week of 2026-07-24, the average rate was 5.97%.

    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%).

    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.