Mortgage lending in Fulton County
22,578 mortgages were originated in Fulton 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
- 22,578
- Median rate
- 6.625%
- Median lender fees
- $7,138
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
- $305,000
- Above the going rate (spread over APOR)
- 0.191
- Paid discount points
- 37.8%
- Received lender credits
- 28.4%
- Purchases / refinances
- 55% / 27.9%
- Conventional / FHA / VA
- 80.4% / 14.6% / 5.1%
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 69.8% 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 Fulton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,524 | $5,549 | 6.750% |
| United Shore Financial Services, LLC | 1,521 | $9,285 | 6.482% |
| Ameris Bank | 895 | $7,024 | 6.500% |
| Truist Bank | 786 | $6,904 | 6.240% |
| Bank of America, National Association | 621 | $5,251 | 5.990% |
| Delta Community Credit Union | 487 | $5,357 | 7.000% |
| Navy Federal Credit Union | 444 | $2,754 | 8.250% |
| Pennymac Loan Services, LLC | 444 | $6,347 | 6.624% |
| JPMorgan Chase Bank, National Association | 408 | $4,626 | 6.375% |
| BoxCar Mortgage, LLC | 362 | — | 6.500% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Fulton County — not a rule of thumb.
From 15,765 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