Mortgage lending in Fayette County
3,108 mortgages were originated in Fayette 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
- 3,108
- Median rate
- 6.750%
- Median lender fees
- $6,836
- Median loan amount
- $325,000
- Median spread over APOR
- 0.280
- Paid discount points
- 42.2%
- Received lender credits
- 27.2%
- Purchases / refinances
- 46.9% / 32.3%
- Conventional / FHA / VA
- 76.5% / 12.6% / 10.9%
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 72.4% 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 Fayette County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DELTA COMMUNITY CREDIT UNION | 265 | $5,620 | 7.000% |
| Rocket Mortgage, LLC | 263 | $4,631 | 6.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 196 | $9,952 | 6.248% |
| Navy Federal Credit Union | 103 | — | 8.700% |
| Ameris Bank | 89 | $8,497 | 6.500% |
| EVERETT FINANCIAL, INC. | 85 | $9,977 | 6.875% |
| Loandepot.Com, LLC | 84 | $6,122 | 6.933% |
| Truist Bank | 72 | — | 6.457% |
| Bank of America, National Association | 68 | — | 6.240% |
| PENNYMAC LOAN SERVICES, LLC | 59 | $6,726 | 6.375% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Fayette County — not a rule of thumb.
From 2,249 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