Mortgage lending in Albany, GA
2,350 mortgages were originated in the Albany, GA area in 2025, and here is what they cost.
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
- 2,350
- Median rate
- 6.625%
- Median lender fees
- $6,129
- Median loan amount
- $155,000
- Median spread over APOR
- 0.394
- Paid discount points
- 39.4%
- Received lender credits
- 21.4%
- Purchases / refinances
- 47.7% / 39.5%
- Conventional / FHA / VA
- 63.1% / 20.2% / 15.9%
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 62.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Albany, GA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Georgia Community Bank | 222 | — | — |
| Rocket Mortgage, LLC | 177 | $5,965 | 6.500% |
| Renasant Bank | 131 | $7,121 | 6.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 117 | $8,971 | 6.125% |
| Flint Community Bank | 109 | — | — |
| Ameris Bank | 93 | $6,500 | 6.490% |
| PENNYMAC LOAN SERVICES, LLC | 91 | $6,455 | 6.250% |
| COLONY BANK | 88 | $5,320 | 6.500% |
| Navy Federal Credit Union | 87 | $2,509 | 7.750% |
| Mortgage Research Center, LLC | 79 | $1,987 | 6.500% |