Mortgage lending in Columbia County
4,588 mortgages were originated in Columbia 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
- 4,588
- Median rate
- 6.375%
- Median lender fees
- $6,576
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
- $275,000
- Above the going rate (spread over APOR)
- 0.069
- Paid discount points
- 44.8%
- Received lender credits
- 29%
- Purchases / refinances
- 56% / 28.6%
- Conventional / FHA / VA
- 53.9% / 12.2% / 33.7%
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 79.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $315,000
- That home, 20% down
- $252,000
A median-priced home with 20% down leaves $580,750 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 Columbia County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 349 | $5,316 | 6.500% |
| United Shore Financial Services, LLC | 288 | $6,969 | 6.046% |
| SouthState Bank, National Association | 232 | $6,853 | 6.375% |
| Navy Federal Credit Union | 215 | $2,883 | 7.650% |
| Guild Mortgage Company | 204 | $7,968 | 6.375% |
| Mortgage Research Center, LLC | 199 | $6,226 | 6.250% |
| Queensborough National Bank & Trust Company | 148 | $8,334 | 6.250% |
| Pinnacle Bank | 145 | — | — |
| SRP Federal Credit Union | 128 | $5,038 | 6.375% |
| Freedom Mortgage Corporation | 123 | $4,814 | 5.875% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Columbia County — not a rule of thumb.
From 3,648 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