Mortgage lending in Effingham County
2,168 mortgages were originated in Effingham 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
- 2,168
- Median rate
- 6.500%
- Median lender fees
- $6,977
- Median loan amount
- $265,000
- Median spread over APOR
- 0.274
- Paid discount points
- 48%
- Received lender credits
- 28%
- Purchases / refinances
- 53.7% / 32.4%
- Conventional / FHA / VA
- 52.4% / 23.3% / 23.5%
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 82.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Effingham County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 247 | $5,366 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 119 | $6,846 | 6.125% |
| Broker Solutions, Inc. | 110 | $8,570 | 6.625% |
| DHI MORTGAGE COMPANY, LTD. | 90 | $9,275 | 4.313% |
| GUILD MORTGAGE COMPANY | 90 | $7,196 | 6.500% |
| Mortgage Research Center, LLC | 73 | $3,650 | 6.250% |
| PENNYMAC LOAN SERVICES, LLC | 71 | $7,177 | 6.375% |
| FREEDOM MORTGAGE CORPORATION | 64 | $4,697 | 6.250% |
| Navy Federal Credit Union | 61 | — | 7.590% |
| Bank of Newington | 50 | — | — |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Effingham County — not a rule of thumb.
From 1,781 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