Mortgage lending in Chatham County
7,306 mortgages were originated in Chatham 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
- 7,306
- Median rate
- 6.500%
- Median lender fees
- $6,898
- Median loan amount
- $275,000
- Median spread over APOR
- 0.188
- Paid discount points
- 44%
- Received lender credits
- 26.8%
- Purchases / refinances
- 56.5% / 29.2%
- Conventional / FHA / VA
- 66.4% / 15.8% / 17.7%
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 74.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Chatham County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 531 | $5,530 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 487 | $9,558 | 6.125% |
| Broker Solutions, Inc. | 431 | $7,377 | 6.750% |
| DHI MORTGAGE COMPANY, LTD. | 241 | $9,068 | 4.500% |
| PENNYMAC LOAN SERVICES, LLC | 240 | $7,180 | 6.500% |
| Mortgage Research Center, LLC | 196 | $5,877 | 6.250% |
| Navy Federal Credit Union | 180 | $2,116 | 7.750% |
| Truist Bank | 173 | $5,489 | 6.490% |
| LENNAR MORTGAGE, LLC | 167 | $7,019 | 6.125% |
| GUILD MORTGAGE COMPANY | 161 | $6,339 | 6.500% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Chatham County — not a rule of thumb.
From 5,444 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