Mortgage lending in Cobb County
17,350 mortgages were originated in Cobb 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
- 17,350
- Median rate
- 6.625%
- Median lender fees
- $6,669
- Median loan amount
- $305,000
- Median spread over APOR
- 0.251
- Paid discount points
- 40.7%
- Received lender credits
- 27.4%
- Purchases / refinances
- 50.6% / 29.9%
- Conventional / FHA / VA
- 80.7% / 13.2% / 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 72% 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 Cobb County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,550 | $5,212 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,304 | $8,528 | 6.490% |
| Ameris Bank | 582 | $7,315 | 6.500% |
| Truist Bank | 501 | $5,811 | 6.340% |
| Bank of America, National Association | 413 | $4,900 | 6.240% |
| Navy Federal Credit Union | 407 | $2,459 | 8.150% |
| DELTA COMMUNITY CREDIT UNION | 402 | $4,333 | 7.000% |
| PENNYMAC LOAN SERVICES, LLC | 362 | $6,136 | 6.500% |
| Loandepot.Com, LLC | 296 | $7,178 | 5.995% |
| CREDIT UNION OF GEORGIA | 289 | — | 7.250% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Cobb County — not a rule of thumb.
From 12,495 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