Mortgage lending in Muscogee County
3,529 mortgages were originated in Muscogee 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
- 3,529
- Median rate
- 6.625%
- Median lender fees
- $5,900
- Median loan amount
- $185,000
- Median spread over APOR
- 0.243
- Paid discount points
- 45.9%
- Received lender credits
- 28.6%
- Purchases / refinances
- 56.4% / 32.1%
- Conventional / FHA / VA
- 54.3% / 16.2% / 29%
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 72.1% 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 Muscogee County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Synovus Bank | 303 | $5,753 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 250 | $6,815 | 6.125% |
| Rocket Mortgage, LLC | 243 | $4,989 | 6.500% |
| CANOPY MORTGAGE, LLC | 191 | $9,337 | 6.375% |
| Mortgage Research Center, LLC | 159 | $4,343 | 6.500% |
| CMG MORTGAGE, INC. | 140 | $8,228 | 6.375% |
| Kiavi Funding, Inc. | 107 | — | 10.200% |
| FREEDOM MORTGAGE CORPORATION | 104 | $3,567 | 6.250% |
| Navy Federal Credit Union | 103 | $2,569 | 8.150% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 94 | $7,496 | 6.250% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Muscogee County — not a rule of thumb.
From 2,544 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