Mortgage lending in Dawson County
1,337 mortgages were originated in Dawson 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
- 1,337
- Median rate
- 6.495%
- Median lender fees
- $7,390
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
- $345,000
- Above the going rate (spread over APOR)
- 0.206
- Paid discount points
- 46.6%
- Received lender credits
- 32.5%
- Purchases / refinances
- 57.6% / 30.6%
- Conventional / FHA / VA
- 75.2% / 18% / 6.6%
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 77.3% 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 Dawson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 148 | $8,514 | 6.250% |
| Rocket Mortgage, LLC | 101 | $4,695 | 6.625% |
| Loandepot.Com, LLC | 83 | $10,321 | 4.990% |
| United Community Bank | 65 | — | 6.500% |
| Trailblazer Mortgage L.L.C. | 62 | $12,004 | 5.990% |
| 254900F4GAYA092QOZ09 | 57 | $5,998 | 6.625% |
| DHI Mortgage Company, Ltd. | 50 | — | 5.438% |
| Pennymac Loan Services, LLC | 50 | — | 6.499% |
What lenders charged here
Lender fees on a $345,000 loan, based on what was actually charged in Dawson County — not a rule of thumb.
From 1,034 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