Mortgage lending in Gainesville, GA
4,854 mortgages were originated in the Gainesville, GA area in 2025, and here is what they cost.
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
- 4,854
- Median rate
- 6.500%
- Median lender fees
- $7,267
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
- $295,000
- Above the going rate (spread over APOR)
- 0.277
- Paid discount points
- 46.2%
- Received lender credits
- 27.7%
- Purchases / refinances
- 54.4% / 28.8%
- Conventional / FHA / VA
- 75.2% / 19.1% / 5.5%
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 74.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Gainesville, GA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 414 | $5,552 | 6.750% |
| United Shore Financial Services, LLC | 386 | $9,568 | 6.499% |
| United Community Bank | 177 | — | 6.500% |
| Regions Bank | 146 | $4,031 | 5.875% |
| Ameris Bank | 125 | $7,550 | 6.490% |
| Loandepot.Com, LLC | 123 | $9,657 | 5.875% |
| American Pacific Mortgage Corporation | 121 | $10,575 | 6.375% |
| Truist Bank | 111 | — | 6.625% |
| Pennymac Loan Services, LLC | 109 | $6,204 | 6.499% |
| Pulte Mortgage LLC | 101 | $1,713 | 5.990% |