Mortgage lending in Athens-Clarke County, GA
4,041 mortgages were originated in the Athens-Clarke County, 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
- 4,041
- Median rate
- 6.624%
- Median lender fees
- $6,708
- Median loan amount
- $255,000
- Median spread over APOR
- 0.236
- Paid discount points
- 37.5%
- Received lender credits
- 24.5%
- Purchases / refinances
- 49.3% / 30.5%
- Conventional / FHA / VA
- 80.6% / 13.2% / 5.8%
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 62.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Athens-Clarke County, GA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 290 | $8,672 | 6.250% |
| Rocket Mortgage, LLC | 276 | $5,232 | 6.625% |
| Synovus Bank | 182 | $6,021 | 7.500% |
| Regions Bank | 153 | $6,990 | 6.125% |
| First American Bank and Trust Company | 150 | — | — |
| Oconee State Bank | 146 | — | — |
| City National Bank of Florida | 121 | $6,170 | 6.375% |
| GEORGIA UNITED | 98 | — | 7.250% |
| Magnolia Bank, Incorporated | 85 | $6,907 | 6.375% |
| PENNYMAC LOAN SERVICES, LLC | 84 | $6,306 | 6.499% |