Mortgage lending in Valdosta, GA
3,316 mortgages were originated in the Valdosta, 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
- 3,316
- Median rate
- 6.490%
- Median lender fees
- $6,683
- Median loan amount
- $205,000
- Median spread over APOR
- 0.152
- Paid discount points
- 41%
- Received lender credits
- 20.3%
- Purchases / refinances
- 58% / 33.4%
- Conventional / FHA / VA
- 55.9% / 14.5% / 28.7%
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 64.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Valdosta, GA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 203 | $5,732 | 6.625% |
| Ameris Bank | 195 | $7,796 | 6.250% |
| Mortgage Research Center, LLC | 176 | $5,791 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 162 | $6,428 | 6.000% |
| Farmers & Merchants Bank | 145 | — | — |
| First Federal Savings and Loan Association of Valdosta | 141 | — | — |
| DHI MORTGAGE COMPANY, LTD. | 125 | $7,508 | 4.990% |
| Fairway Independent Mortgage Corporation | 114 | $7,801 | 6.490% |
| Renasant Bank | 113 | $8,463 | 7.000% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 97 | $9,210 | 6.000% |