Mortgage lending in Carroll County
3,017 mortgages were originated in Carroll County, Georgia, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,017
- Median rate
- 6.500%
- Median lender fees
- $7,384
- Median loan amount
- $235,000
- Median spread over APOR
- 0.366
- Paid discount points
- 49.3%
- Received lender credits
- 31%
- Purchases / refinances
- 55.6% / 27.9%
- Conventional / FHA / VA
- 59.3% / 27.9% / 10.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 79.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $718,750
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Carroll County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 261 | $5,105 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 173 | $8,141 | 6.374% |
| CANOPY MORTGAGE, LLC | 104 | $12,581 | 6.250% |
| GUILD MORTGAGE COMPANY | 96 | $9,565 | 6.375% |
| Magnolia Bank, Incorporated | 92 | $9,305 | 6.375% |
| Truist Bank | 82 | — | 6.862% |
| United Community Bank | 79 | — | 6.500% |
| Loandepot.Com, LLC | 69 | $8,752 | 6.375% |
| PENNYMAC LOAN SERVICES, LLC | 68 | $6,767 | 6.313% |
| Bank OZK | 67 | — | 5.990% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Carroll County — not a rule of thumb.
From 2,396 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers