Mortgage lending in DeKalb County
14,488 mortgages were originated in DeKalb 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
- 14,488
- Median rate
- 6.625%
- Median lender fees
- $6,795
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
- $255,000
- Above the going rate (spread over APOR)
- 0.235
- Paid discount points
- 42%
- Received lender credits
- 27.6%
- Purchases / refinances
- 54.8% / 29.1%
- Conventional / FHA / VA
- 76.5% / 17.2% / 6.3%
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 71.5% 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 DeKalb County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,167 | $5,980 | 6.625% |
| United Shore Financial Services, LLC | 958 | $9,473 | 6.450% |
| Ameris Bank | 595 | $6,501 | 6.500% |
| Truist Bank | 433 | $6,082 | 6.365% |
| BoxCar Mortgage, LLC | 363 | — | 6.490% |
| Bank of America, National Association | 325 | $4,122 | 6.240% |
| Navy Federal Credit Union | 304 | $2,650 | 7.950% |
| JPMorgan Chase Bank, National Association | 267 | $5,378 | 6.375% |
| Georgia United | 258 | — | 7.500% |
| Pennymac Loan Services, LLC | 247 | $6,018 | 6.375% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in DeKalb County — not a rule of thumb.
From 10,363 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