Mortgage lending in Cherokee County
8,482 mortgages were originated in Cherokee County, Georgia, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 8,482
- Median rate
- 6.625%
- Median lender fees
- $6,305
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $315,000
- Above the going rate (spread over APOR)
- 0.239
- Paid discount points
- 40.5%
- Received lender credits
- 28.5%
- Purchases / refinances
- 47% / 31.6%
- Conventional / FHA / VA
- 82.7% / 11.2% / 6.1%
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 73.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $718,750
- Median home price
- $625,000
- That home, 20% down
- $500,000
A median-priced home with 20% down leaves $332,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Cherokee County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 762 | $4,596 | 6.750% |
| United Shore Financial Services, LLC | 694 | $7,783 | 6.370% |
| Credit Union Of Georgia | 362 | — | 7.250% |
| Ameris Bank | 221 | $6,529 | 6.500% |
| Truist Bank | 198 | $5,302 | 6.490% |
| Pennymac Loan Services, LLC | 191 | $5,770 | 6.624% |
| Navy Federal Credit Union | 164 | $1,862 | 7.900% |
| Bank of America, National Association | 155 | — | 6.240% |
| Regions Bank | 148 | $3,131 | 4.990% |
| Crosscountry Mortgage, Inc. | 147 | $8,720 | 6.625% |
What lenders charged here
Lender fees on a $315,000 loan, based on what was actually charged in Cherokee County — not a rule of thumb.
From 6,259 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers