Mortgage lending in Jackson County
3,115 mortgages were originated in Jackson 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
- 3,115
- Median rate
- 6.500%
- Median lender fees
- $8,023
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
- $325,000
- Above the going rate (spread over APOR)
- 0.260
- Paid discount points
- 53.7%
- Received lender credits
- 32.3%
- Purchases / refinances
- 59.4% / 26.1%
- Conventional / FHA / VA
- 66.2% / 24% / 9%
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 82.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $400,000
- That home, 20% down
- $320,000
A median-priced home with 20% down leaves $512,750 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 Jackson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 241 | $9,751 | 6.374% |
| Rocket Mortgage, LLC | 220 | $6,005 | 6.750% |
| Victory Mortgage, L.L.C. | 104 | $3,278 | 5.875% |
| Fairway Independent Mortgage Corporation | 102 | $7,572 | 6.625% |
| Pennymac Loan Services, LLC | 85 | $6,307 | 6.250% |
| Loandepot.Com, LLC | 81 | $10,167 | 5.750% |
| Ameris Bank | 77 | $7,977 | 6.625% |
| Regions Bank | 77 | — | 6.000% |
| Crosscountry Mortgage, Inc. | 71 | $10,542 | 6.740% |
| Vanderbilt Mortgage And Finance, Inc. | 59 | $8,086 | 5.490% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Jackson County — not a rule of thumb.
From 2,561 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