Mortgage lending in Lowndes County
2,788 mortgages were originated in Lowndes 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
- 2,788
- Median rate
- 6.490%
- Median lender fees
- $6,703
- Median loan amount
- $215,000
- Median spread over APOR
- 0.125
- Paid discount points
- 41.1%
- Received lender credits
- 20.2%
- Purchases / refinances
- 59.3% / 32.2%
- Conventional / FHA / VA
- 55.7% / 14.6% / 29.2%
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 64.7% 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 Lowndes County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 165 | $5,943 | 6.625% |
| Ameris Bank | 162 | $7,533 | 6.250% |
| Mortgage Research Center, LLC | 156 | $5,772 | 6.188% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 134 | $6,408 | 6.000% |
| First Federal Savings and Loan Association of Valdosta | 127 | — | — |
| DHI MORTGAGE COMPANY, LTD. | 125 | $7,508 | 4.990% |
| Renasant Bank | 106 | $8,392 | 6.995% |
| Fairway Independent Mortgage Corporation | 97 | $7,850 | 6.490% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 82 | $9,231 | 6.000% |
| Guardian Bank | 81 | — | — |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Lowndes County — not a rule of thumb.
From 1,803 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