Mortgage lending in Gwinnett County
19,503 mortgages were originated in Gwinnett 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
- 19,503
- Median rate
- 6.625%
- Median lender fees
- $7,247
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)
- 0.296
- Paid discount points
- 44.7%
- Received lender credits
- 27.1%
- Purchases / refinances
- 54.2% / 29.5%
- Conventional / FHA / VA
- 77.7% / 16.8% / 5.5%
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 74.7% 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 Gwinnett County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,870 | $5,365 | 6.750% |
| United Shore Financial Services, LLC | 1,852 | $8,776 | 6.490% |
| Ameris Bank | 536 | $6,338 | 6.490% |
| Loandepot.Com, LLC | 474 | $8,537 | 5.990% |
| Pennymac Loan Services, LLC | 430 | $5,544 | 6.499% |
| Navy Federal Credit Union | 416 | — | 8.500% |
| Truist Bank | 362 | $5,662 | 6.490% |
| Bank of America, National Association | 340 | $4,652 | 6.240% |
| Crosscountry Mortgage, Inc. | 338 | $10,345 | 6.750% |
| Freedom Mortgage Corporation | 298 | $8,860 | 6.250% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Gwinnett County — not a rule of thumb.
From 14,560 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