Mortgage lending in Houston County
4,752 mortgages were originated in Houston 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
- 4,752
- Median rate
- 6.375%
- Median lender fees
- $6,140
- Median loan amount
- $225,000
- Median spread over APOR
- 0.122
- Paid discount points
- 45.7%
- Received lender credits
- 28.5%
- Purchases / refinances
- 55.4% / 28.8%
- Conventional / FHA / VA
- 51.3% / 18.5% / 29.8%
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 77% 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 Houston County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ROBINS FINANCIAL | 591 | $3,425 | 6.125% |
| Rocket Mortgage, LLC | 400 | $5,409 | 6.490% |
| GUILD MORTGAGE COMPANY | 293 | $8,768 | 6.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 284 | $7,034 | 5.995% |
| Broker Solutions, Inc. | 224 | $7,320 | 6.500% |
| Mortgage Research Center, LLC | 201 | $4,947 | 6.250% |
| Synovus Bank | 169 | $6,310 | 6.250% |
| Navy Federal Credit Union | 119 | $2,933 | 6.750% |
| PENNYMAC LOAN SERVICES, LLC | 108 | $5,637 | 6.000% |
| COLONY BANK | 102 | $5,665 | 6.490% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Houston County — not a rule of thumb.
From 3,660 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