Mortgage lending in Walker County
1,720 mortgages were originated in Walker 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
- 1,720
- Median rate
- 6.625%
- Median lender fees
- $6,420
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
- $195,000
- Above the going rate (spread over APOR)
- 0.351
- Paid discount points
- 44.7%
- Received lender credits
- 20.5%
- Purchases / refinances
- 52.8% / 31.5%
- Conventional / FHA / VA
- 63.3% / 25.1% / 10%
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 73.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $350,000
- That home, 20% down
- $280,000
A median-priced home with 20% down leaves $552,750 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 Walker County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 153 | $5,958 | 6.750% |
| The Bank Of Lafayette, Georgia | 101 | — | — |
| Tennessee Valley FCU | 94 | $4,778 | 6.541% |
| Union Home Mortgage Corp. | 86 | $7,943 | 6.250% |
| Summit Funding, Inc. | 78 | $9,725 | 7.125% |
| United Shore Financial Services, LLC | 62 | $8,827 | 5.998% |
| DHI Mortgage Company, Ltd. | 56 | $6,855 | 5.188% |
| Regions Bank | 50 | — | 6.125% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Walker County — not a rule of thumb.
From 1,261 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