Mortgage lending in Habersham County
1,135 mortgages were originated in Habersham 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
- 1,135
- Median rate
- 6.625%
- Median lender fees
- $7,091
- Median loan amount
- $235,000
- Median spread over APOR
- 0.357
- Paid discount points
- 52.3%
- Received lender credits
- 28.2%
- Purchases / refinances
- 51.7% / 29.5%
- Conventional / FHA / VA
- 69% / 21.4% / 8%
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 74.6% 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 Habersham County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 88 | $5,423 | 6.563% |
| United Community Bank | 83 | — | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 77 | $7,566 | 6.125% |
| SouthState Bank, National Association | 62 | — | 6.800% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | $9,896 | 6.625% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Habersham County — not a rule of thumb.
From 847 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