Georgia VA Loan Rates, Closing Costs & Stats

Georgia

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.

Georgia VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Georgia averaged 6.19% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

Georgia's average VA mortgage closing costs are $6,340.

The average rate for the prior week (2025-03-28) was 6.41% and one month ago for the week of 2025-02-28, the average rate was 6.58%.

The average rate one year ago was 6.59%.

For refis of the same type during the week of 2025-04-04, the average rate was 5.88%.

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

Georgia 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 Georgia level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Mortgage Research Center, LLC 3,670 6.45% $5,855
UNITED WHOLESALE MORTGAGE, LLC 2,599 5.97% $8,246
QUICKEN LOANS, LLC 1,863 6.06% $10,578
FREEDOM MORTGAGE CORPORATION 1,520 6.18% $8,188
NAVY FEDERAL CREDIT UNION 924 5.89% $6,262
PENNYMAC LOAN SERVICES, LLC 761 5.74% $8,236
VILLAGE CAPITAL MORTGAGE 587 5.81% $6,888
DHI MORTGAGE COMPANY, LTD. 581 5.23% $6,956
BROKER SOLUTIONS, INC. 568 6.37% $10,607
GUILD MORTGAGE COMPANY 445 6.20% $10,310
USAA Federal Savings Bank 441 6.28% $7,894
NEW DAY FINANCIAL, LLC 432 7.50% $11,572
LOANDEPOT.COM, LLC 403 5.93% $10,198
MOVEMENT MORTGAGE, LLC 392 6.22% $10,623
Ameris Bank 361 6.12% $9,188
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 320 6.41% $7,527
CROSSCOUNTRY MORTGAGE, LLC 309 6.28% $8,479
MORTGAGE SOLUTIONS OF COLORADO, LLC 308 7.14% $4,824
NEWREZ LLC 305 6.01% $7,481
PLANET HOME LENDING, LLC 289 5.93% $5,053
VANDERBILT MORTGAGE AND FINANCE, INC. 279 6.05% $7,132
GUARANTEED RATE, INC. 277 6.21% $7,230
CANOPY MORTGAGE, LLC 257 6.15% $16,249
The Federal Savings Bank 245 6.30% $16,598
BANKSOUTH MORTGAGE COMPANY, LLC 191 6.17% $11,246
Mr. Cooper ( Nationstar Mortgage ) 177 6.18% $9,661
CMG MORTGAGE, INC. 176 6.10% $10,530
Equity Prime Mortgage LLC 151 6.73% $8,440
Magnolia Bank 133 6.03% $13,961
Flagstar Bank, FSB 130 6.27% $7,404
Barrington Bank & Trust Company, N.A. 126 6.31% $6,949
Presidential Bank, FSB 125 6.25% $8,256
LAKEVIEW LOAN SERVICING, LLC 120 5.78% $6,144
PULTE MORTGAGE LLC 118 5.52% $5,303
SOUTHEAST MORTGAGE OF GEORGIA, INC. 117 6.28% $9,673
ARK-LA-TEX FINANCIAL SERVICES, LLC. 116 6.13% $8,589
NBKC BANK 116 5.92% $7,121
CLEARPATH LENDING 115 5.76% $8,280
Synovus Bank 112 6.00% $8,755
Carrington Mortgage Services, LLC 108 6.03% $10,118
MUTUAL OF OMAHA MORTGAGE, INC. 102 6.18% $13,623
PENTAGON FEDERAL CREDIT UNION 102 5.97% $8,283
Prosperity Home Mortgage, LLC 101 6.14% $9,507
Century Mortgage Company DBA Century Lending Company 100 6.19% $7,861
Colony Bank 98 6.33% $6,177
Lakeview Community Capital, LLC 97 5.73% $5,718
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 92 6.34% $7,475
FBC MORTGAGE, LLC 86 5.42% $5,474
UNION HOME MORTGAGE CORP. 86 6.24% $9,012
CARDINAL FINANCIAL 86 6.58% $12,241
Renasant Bank 81 6.12% $9,276
INSPIRE HOME LOANS INC. 81 5.34% $6,593
Plains Commerce Bank 76 6.36% $8,726
EVERETT FINANCIAL, INC. 76 6.60% $11,646
AMERICAN PACIFIC MORTGAGE CORPORATION 75 6.41% $10,416
Paramount Residential Mortgage Group, Inc. 75 6.41% $9,451
HOMESIDE FINANCIAL, LLC 73 6.40% $13,196
TOWNE MORTGAGE COMPANY 73 6.55% $9,877
AMERICAN FINANCIAL NETWORK, INC. 69 6.20% $7,345
First Heritage Mortgage, LLC 67 5.91% $13,773
EAGLE HOME MORTGAGE, LLC 64 5.18% $4,968
AmeriHome Mortgage Company, LLC 61 6.10% $5,504
First Federal Bank 59 5.82% $7,125
South State Bank 55 6.07% $9,434
AMERISAVE MORTGAGE CORPORATION 55 5.72% $16,682
ZILLOW HOME LOANS, LLC 55 6.31% $7,902
HOMEOWNERS FINANCIAL GROUP USA, LLC 54 6.18% $8,140
Mid-Continent Funding, Inc. 54 5.98% $7,948
PLAZA HOME MORTGAGE, INC. 54 6.30% $12,111
MILEND, INC. 51 6.60% $16,782
Queensborough National Bank & Trust Company 50 6.16% $10,521
FIRST CONTINENTAL MORTGAGE, LTD. 50 6.06% $6,784
HOMEBRIDGE FINANCIAL SERVICES, INC. 48 6.47% $5,480
FIRST COMMUNITY MORTGAGE, INC. 47 6.48% $7,856
PRIMELENDING, A PLAINSCAPITAL COMPANY 47 6.35% $6,563
SUN WEST MORTGAGE COMPANY, INC. 47 6.11% $8,851
AUGUSTA MORTGAGE CO. 46 6.01% $12,314
SWBC MORTGAGE CORPORATION 45 6.29% $6,350
STOCKTON MORTGAGE CORPORATION 45 6.41% $8,112
NFM, INC. 44 6.41% $12,232
AMERICAN FINANCING CORPORATION 41 5.94% $12,842
LOANPAL, LLC 40 5.88% $12,566
GUARANTEED RATE AFFINITY, LLC 40 6.24% $9,231
Northpointe Bank 39 6.31% $8,797
Truist 39 6.19% $6,027
ACOPIA, LLC 38 6.28% $5,620
JPMorgan Chase Bank 37 5.86% $5,375
NVR Mortgage Finance, Inc. 36 5.76% $5,800
SUMMIT FUNDING, INC. 36 6.77% $8,083
Regions Bank 35 6.09% $11,396
PHH Mortgage Corporation 33 5.83% $5,979
Nations Lending Corporation 33 6.30% $13,061
Credence Funding Corporation 32 5.58% $6,453
Wells Fargo Bank 31 5.97% $7,180
MORTGAGEONE, INC. 30 6.90% $4,828
BancorpSouth 29 6.22% $7,876
SOUTHPOINT FINANCIAL SERVICES, INC. 28 6.69% $6,823
FIRST COLONY MORTGAGE CORPORATION 28 6.08% $10,733
Armed Forces Bank 27 6.03% $8,423
Capital City Home Loans, LLC 27 6.57% $11,514
Cornerstone First Mortgage, Inc 27 6.52% $12,097
OCMBC, INC. 27 6.41% $6,810
VERITAS FUNDING, LLC 27 6.42% $22,378
DIRECT LENDERS, LLC 26 5.92% $5,391
TJC Mortgage, Inc. 25 6.02% $11,311
Alcova Mortgage LLC 25 6.36% $8,149
South Pacific Financial Corporation 24 5.29% $6,341
RELIANCE FIRST CAPITAL, LLC 24 6.54% $11,305
SUCCESS MORTGAGE PARTNERS, INC. 23 6.30% $12,042
PREMIER MORTGAGE RESOURCES, L.L.C. 22 6.47% $10,648
FIRST CHOICE MORTGAGE, INC. 21 6.61% $10,476
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 21 5.88% $12,931
AMERICAN FINANCIAL RESOURCES, INC. 19 6.60% $12,611
BAY EQUITY LLC 18 6.28% $11,618
The Loan Store, Inc. 18 6.01% $9,444
GENEVA FINANCIAL, LLC 18 6.90% $7,704
DAS Acquisition Company, LLC 17 6.63% $5,540
United Community Bank 17 5.88% $7,866
VAN DYK MORTGAGE CORPORATION 17 6.28% $8,255
EMM LOANS LLC 17 6.42% $8,981
VICTORY MORTGAGE, L.L.C. 17 5.93% $6,291
NORWICH COMMERCIAL GROUP, INC. 16 6.05% $6,668
U.S. Bank 16 6.22% $8,010
SECURITYNATIONAL MORTGAGE COMPANY 16 6.27% $10,555
INTERCOASTAL MORTGAGE COMPANY 15 6.54% $7,449
ENVOY MORTGAGE, LTD 15 6.71% $9,982
RUOFF MORTGAGE COMPANY, INC. 15 6.48% $5,863
Ixonia Bank 14 6.21% $15,864
GoPrime Mortgage, Inc. 14 6.54% $9,861
ServisFirst Bank 13 6.24% $7,257
ALLIED MORTGAGE GROUP, INC. 13 5.90% $7,472
CityWorth Mortgage LLC 13 6.43% $13,331
PREMIA MORTGAGE, LLC 13 5.65% $8,122
MORTGAGE INVESTORS GROUP, INC. 13 6.06% $5,151
Trustmark National Bank 12 5.99% $9,792
FirstBank 12 6.25% $11,120
Pinnacle Bank 12 5.98% $8,838
Texana Bank 11 6.40% $12,012
CONTOUR MORTGAGE CORPORATION 10 6.25% $9,018
LEADERONE FINANCIAL CORPORATION 10 6.56% $11,449
NATIONS DIRECT MORTGAGE, LLC 10 6.64% $9,210
GUARANTY MORTGAGE SERVICES, L.L.C. 10 6.65% $14,906
INTELLILOAN, INC. 9 6.22% $2,777
CITY FIRST MORTGAGE SERVICES, L.L.C. 9 6.60% $12,089
CAROLINA ONE MORTGAGE, LLC 9 6.05% $14,620
Franklin Loan Corporation 9 5.90% $9,592
Mortgage Assurance Inc. 9 6.06% $11,020
US MORTGAGE CORPORATION 8 6.16% $9,480
SHELTER HOME MORTGAGE, LLC 8 6.38% $11,551
JMAC LENDING, INC. 8 5.91% $8,680
CALCON MUTUAL MORTGAGE LLC 8 6.36% $13,200
BAYSHORE MORTGAGE FUNDING, LLC 8 5.67% $9,055
T2 FINANCIAL LLC 8 6.36% $15,102
GMFS LLC 7 6.25% $6,079
First Option Mortgage, LLC 7 6.73% $10,554
North American Savings Bank, F.S.B. 7 6.07% $9,048
RADIUS FINANCIAL GROUP INC. 7 6.36% $11,440
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 7 6.21% $5,611
American Mortgage & Equity Consultants, Inc. 6 6.33% $10,924
ALAMEDA MORTGAGE CORPORATION 6 6.46% $15,395
Old National Bank 6 5.79% $9,366
Waterstone Mortgage Corporation 6 6.31% $10,005
TBI MORTGAGE COMPANY 6 5.98% $7,323
M&T Bank 6 6.54% $8,331
SOUTHWEST STAGE FUNDING, LLC 6 6.04% $437
TOP FLITE FINANCIAL, INC. 6 6.83% $21,130
INTERLINC MORTGAGE SERVICES, LLC 6 6.08% $3,605
ROYAL UNITED MORTGAGE LLC 6 6.46% $13,822
COMMUNITY MORTGAGE CORPORATION 6 6.38% $10,084
CHURCHILL MORTGAGE CORPORATION 6 6.44% $10,373
Keystone Funding, Inc. 6 6.27% $8,628
Goldwater Bank, N.A. 6 6.46% $7,428
The Central Trust Bank 5 6.22% $11,306
1ST SIGNATURE LENDING, LLC 5 6.90% $13,905
TENNESSEE VALLEY 5 6.43% $4,871
MEMBER FIRST MORTGAGE, LLC 5 6.50% $5,428
SENTE MORTGAGE, INC. 5 6.02% $10,122
Gateway First Bank 5 6.13% $4,727
Service Federal Credit Union 5 6.35% $6,466
PRIMARY RESIDENTIAL MORTGAGE, INC. 5 6.53% $10,619
ISERVE RESIDENTIAL LENDING, LLC 5 7.08% $15,015
LOANFLIGHT LENDING, LLC 5 5.60% $8,500
FIRST ALLIANCE HOME MORTGAGE, LLC 5 5.73% $5,251
Sierra Pacific Mortgage Company, Inc. 5 6.60% $8,517
PNC Bank 5 6.55% $6,122
THE MORTGAGE FIRM, INC. 5 6.83% $5,583
HOMESPIRE MORTGAGE CORPORATION 5 6.90% $6,373
GERSHMAN INVESTMENT CORP. 4 6.19% $7,795
First Reliance Bank 4 6.00% $14,819
JET HOMELOANS, LLC 4 5.24% $12,050
SRP Federal Credit Union 4 6.06% $4,857
First Horizon Bank 4 6.00% $14,449
Bank of England 4 6.59% $6,791
Bank of America 4 6.53% $5,834
ATLANTA POSTAL 4 6.25% $16,208
Assurance Financial Group, L.L.C. 4 6.81% $10,268
NATIONS RELIABLE LENDING, LLC 4 6.69% $13,125
University Bank 4 6.19% $13,185
NATIONWIDE MORTGAGE BANKERS, INC. 4 6.65% $11,946
Wolfe Financial, Inc 4 6.91% $9,788
ABSOLUTE HOME MORTGAGE CORPORATION 4 6.50% $8,685
NJ LENDERS CORP. 4 5.81% $7,936
LENOX FINANCIAL MORTGAGE CORPORATION 4 5.91% $3,362
NP, Inc. 4 6.91% $10,373
LIBERTY HOME MORTGAGE CORPORATION 4 6.66% $11,958
Hometown Equity Mortgage, LLC 4 7.00% $9,550
MICHIGAN MUTUAL, INC. 4 6.19% $5,579
ROSS MORTGAGE CORPORATION 4 6.47% $8,283
Citizens Bank 4 6.19% $9,460
SIRVA MORTGAGE, INC. 4 6.38% $1,276
HomePromise Corporation 3 7.63% $11,159
NATION ONE MORTGAGE CORPORATION 3 6.58% $2,872
Core Bank 3 6.00% $12,754
TOTAL MORTGAGE SERVICES, LLC 3 6.33% $11,169
MY MORTGAGE, INC. 3 6.54% $8,969
Atlantic Coast Mortgage, LLC 3 6.00% $6,753
PANORAMA MORTGAGE GROUP, LLC 3 6.92% $11,721
SeaTrust Mortgage Company 3 6.63% $9,948
Security Federal Bank 3 6.08% $7,782
ALLIANT CREDIT UNION 3 6.08% $6,266
American Mortgage Bank, LLC 3 6.33% $5,180
BETTER MORTGAGE CORPORATION 3 5.71% $9,355
MORTGAGE ACCESS CORP. 3 6.00% $7,409
NexBank 3 5.92% $10,502
Fifth Third Bank 3 6.38% $6,398
SOVEREIGN LENDING GROUP INCORPORATED 3 5.79% $5,129
American Security Mortgage Corp. 3 6.00% $10,020
Farmers Bank & Trust 3 5.67% $5,734
Commerce Home Mortgage, Inc. 3 5.63% $6,240
AMERITRUST MORTGAGE CORPORATION 3 7.50% $2,945
Residential Mortgage Solutions, Inc. 3 6.00% $7,190
First Community Bank 3 6.63% $5,871
ROBINS FINANCIAL 2 5.94% $14,118
Southern First Bank 2 6.81% $3,567
S1L, Inc. 2 6.44% $4,526
SANCTUARY HOME MORTGAGE LLC 2 6.12% $18,332
The Huntington National Bank 2 6.69% $13,372
BAY-VALLEY MORTGAGE GROUP 2 6.06% $14,316
GARDNER FINANCIAL SERVICES, LTD. 2 6.19% $7,600
First-Citizens Bank & Trust Company 2 5.56% $4,206
Blue Ridge Bank 2 6.06% $4,252
Strong Home Mortgage, LLC 2 5.50% $4,130
NBH Bank 2 6.44% $4,304
Capital Bank 2 6.38% $12,616
EUSTIS AND AMERICAN MORTGAGE COMPANY 2 6.25% $6,054
AFFORDABLE MORTGAGE ADVISORS, LLC. 2 5.94% $9,989
FLAT BRANCH MORTGAGE, INC. 2 5.94% $6,119
ENDEAVOR CAPITAL, LLC. 2 6.75% $5,671
HOMESTEAD FUNDING CORP. 2 6.19% $5,213
EMBRACE HOME LOANS, INC. 2 5.62% $4,946
Stride Bank 2 6.38% $8,050
DIRECT MORTGAGE LOANS, LLC 2 6.81% $9,274
Arvest Bank 2 5.69% $7,104
CRESCENT MORTGAGE COMPANY 2 5.63% $2,792
Stifel Bank and Trust 2 5.88% $2,738
UNITED MORTGAGE CORP 2 6.13% $7,683
MID AMERICA MORTGAGE, INC. 2 6.38% $6,856
Princeton Mortgage Corporation 2 6.44% $13,357
First Western Trust Bank 2 6.50% $3,451
AXIA FINANCIAL, LLC 2 7.00% $6,489
RAPID MORTGAGE COMPANY 2 6.99% $8,042
COMPASS MORTGAGE, INC. 2 6.75% $14,230
Towne Bank 2 6.19% $4,814
Residential Acceptance Corporation 2 7.81% $12,876
RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 5.62% $14,633
Servion, Inc. 1 7.13% $8,601
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 5.75% $4,293
HOME SOLUTION LENDERS INC. 1 6.50% $1,195
INB 1 6.25% $3,250
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.63% $11,927
KeyBank 1 6.25% $9,901
Loan Simple, Inc. 1 6.99% $15,656
Flanagan State Bank 1 7.13% $6,522
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.00% $12,706
Meridian Bank Corporation 1 6.75% $6,999
Midwest Mortgage Associates Corporation 1 7.13% $8,280
First United Bank and Trust Company 1 6.38% $15,649
MLD MORTGAGE INC. 1 6.13% $7,088
FIRST STATE MORTGAGE SERVICES, LLC 1 6.75% $3,225
First State Bank of St. Charles, Missouri 1 5.63% $17,055
First Palmetto Bank 1 6.13% $5,544
First National Bank Texas 1 6.13% $15,781
MSA MORTGAGE, LLC 1 6.25% $11,811
NASA Federal Credit Union 1 5.88% $24,239
FIRST HOME MORTGAGE CORPORATION 1 6.75% $9,952
NETWORK CAPITAL FUNDING CORPORATION 1 5.50% $11,826
First Bank 1 6.25% $2,524
NORTHPOINT MORTGAGE, INC. 1 6.75% $37,466
Evolve Bank & Trust 1 6.75% $19,249
EVANSVILLE TEACHERS 1 5.75% $8,640
OCEANSIDE MORTGAGE COMPANY 1 6.63% $2,277
OPEN MORTGAGE, LLC 1 6.75% $9,501
Paramount Bank 1 5.88% $3,852
Encompass Lending Group, LP 1 7.13% $5,154
East Coast Capital Corp. 1 6.25% $835
DIRECT MORTGAGE, CORP. 1 6.63% $8,285
DELMAR FINANCIAL COMPANY 1 5.75% $6,580
DATA MORTGAGE, INC. 1 6.13% $3,696
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.63% $1,932
CREDIT UNION FINANCIAL SERVICES, LLC 1 6.00% $9,246
Countybank 1 6.63% $2,708
CORNERSTONE HOME LENDING, INC. 1 6.25% $22,194
RESOURCE FINANCIAL SERVICES, INC. 1 6.50% $4,245
City National Bank of Florida 1 6.13% $0
Home Mortgage Alliance Corp 1 7.13% $14,584
SOUTH CENTRAL BANK, INC. 1 6.50% $19,386
SOUTHERN TRUST MORTGAGE, LLC 1 6.13% $10,715
SouthPoint Bank 1 5.38% $7,233
CAPITAL CENTER, L.L.C. 1 6.13% $0
SOUTHWEST FUNDING, LP 1 6.63% $11,041
BOKF 1 6.63% $9,535
Sunflower Bank 1 5.99% $3,912
Bell Bank 1 5.88% $7,414
The Freedom Bank of Virginia 1 6.49% $18,879
BankPlus 1 6.63% $2,656
Total Media Management, LLC 1 5.75% $22,955
TruHome Solutions, LLC 1 6.50% $3,129
Tyndall Federal Credit Union 1 5.50% $4,541
Union Savings Bank 1 5.75% $0
United Bank 1 6.63% $10,743
UNIVERSAL MORTGAGE & FINANCE, INC. 1 6.75% $5,498
V.I.P. MORTGAGE, INC. 1 5.63% $16,666
VYSTAR 1 7.50% $3,116
Academy Bank 1 6.75% $5,961
WesBanco 1 5.75% $2,953
Wilmington Savings Fund Society, FSB 1 6.75% $3,980

The top Georgia VA lender as defined by loan originations is Mortgage Research Center, LLC, with 3,670 VA loans originated. Their average total fees are $5,855, which is $2,390 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Georgia VA lenders (with over 10 loans originated) are MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,824), MORTGAGEONE, INC. ($4,828), EAGLE HOME MORTGAGE, LLC ($4,968), PLANET HOME LENDING, LLC ($5,053) and MORTGAGE INVESTORS GROUP, INC. ($5,151).

The lowest rate Georgia VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.18%), DHI MORTGAGE COMPANY, LTD. (5.23%), South Pacific Financial Corporation (5.29%), INSPIRE HOME LOANS INC. (5.34%) and FBC MORTGAGE, LLC (5.42%).

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.