Mortgage lending in Liberty County
2,083 mortgages were originated in Liberty 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
- 2,083
- Median rate
- 6.250%
- Median lender fees
- $6,602
- Median loan amount
- $245,000
- Median spread over APOR
- 0.010
- Paid discount points
- 52.1%
- Received lender credits
- 36.6%
- Purchases / refinances
- 57% / 36.8%
- Conventional / FHA / VA
- 28.1% / 12.4% / 59.3%
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 86.1% 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 Liberty County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Mortgage Research Center, LLC | 252 | $6,352 | 6.438% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 215 | $5,592 | 6.124% |
| Rocket Mortgage, LLC | 144 | $5,974 | 6.250% |
| Navy Federal Credit Union | 101 | $3,570 | 6.250% |
| Broker Solutions, Inc. | 101 | $10,355 | 6.500% |
| GUILD MORTGAGE COMPANY | 95 | $9,170 | 6.250% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 86 | $9,263 | 5.990% |
| FREEDOM MORTGAGE CORPORATION | 85 | $3,914 | 6.125% |
| PENNYMAC LOAN SERVICES, LLC | 72 | $4,820 | 6.000% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Liberty County — not a rule of thumb.
From 1,794 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