Mortgage lending in Houston County
4,752 mortgages were originated in Houston 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
- 4,752
- Median rate
- 6.375%
- Median lender fees
- $6,140
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
- $225,000
- Above the going rate (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
- Median home price
- $259,000
- That home, 20% down
- $207,200
A median-priced home with 20% down leaves $625,550 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 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, 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