What people paid for mortgages in Cobb County, GA (2025)
Across 7,677 closed home-purchase loans in 2025, the median interest rate in Cobb was 6.49%, and the middle half of borrowers got between 6% and 6.75%. Median total loan costs ran $7,667 on a median loan of $385,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.49%
- Middle half of rates
- 6%–6.75%
- Median total loan costs
- $7,667
- Median loan amount
- $385,000
7,677 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $7,989
- Median loan amount
- $345,000
3,268 loans, 2025.
Lowest median rates in Cobb (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.Taylor Morrison Home Funding, Inc.4.75%65 loans, median costs $10,026
- 2.Loandepot.Com, LLC4.99%137 loans, median costs $11,116
- 3.DHI MORTGAGE COMPANY, LTD.4.99%78 loans, median costs $3,478
- 4.Associated Credit Union5.5%36 loans, median costs $7,888
- 5.DELTA COMMUNITY CREDIT UNION5.875%125 loans, median costs $5,869
Among lenders with at least 30 closed purchase loans in Cobb County in 2025.
Refinance
- 1.PLANET HOME LENDING, LLC5.933%36 loans, median costs $7,728
- 2.Navy Federal Credit Union5.938%30 loans, median costs $2,927
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%403 loans, median costs $9,128
- 4.PENNYMAC LOAN SERVICES, LLC5.99%133 loans, median costs $9,398
- 5.Loandepot.Com, LLC6%55 loans, median costs $8,468
Among lenders with at least 30 closed refinance loans in Cobb County in 2025.
Lender by lender in Cobb
Every lender that closed at least 5 qualifying loans in Cobb County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 749 | 6.5% | $8,309 | $3,552 | $2,499 |
| 2 | Rocket Mortgage, LLC | 402 | 6.5% | $7,985 | $4,336 | $3,836 |
| 3 | Ameris Bank | 361 | 6.375% | $8,536 | $3,735 | $3,133 |
| 4 | EVERETT FINANCIAL, INC. | 204 | 6.75% | $11,044 | $6,540 | $4,040 |
| 5 | Fairway Independent Mortgage Corporation | 181 | 6.625% | $7,439 | $2,685 | $2,986 |
| 6 | CROSSCOUNTRY MORTGAGE, INC. | 181 | 6.625% | $8,035 | $4,244 | $3,393 |
| 7 | BANKSOUTH MORTGAGE COMPANY, LLC | 172 | 6.25% | $10,182 | $4,904 | $5,670 |
| 8 | Truist Bank | 169 | 6.25% | $5,868 | $1,436 | $1,398 |
| 9 | JPMorgan Chase Bank, National Association | 159 | 6.375% | $4,768 | $1,537 | $3,685 |
| 10 | Loandepot.Com, LLC | 137 | 4.99% | $11,116 | $1,850 | $2,113 |
| 11 | MOVEMENT MORTGAGE, LLC | 126 | 6.5% | $7,884 | $3,128 | $4,752 |
| 12 | DELTA COMMUNITY CREDIT UNION | 125 | 5.875% | $5,869 | $2,844 | $3,664 |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 113 | 6.49% | $6,387 | $1,835 | $1,395 |
| 14 | KIND LENDING, LLC | 111 | 6.375% | $10,513 | $5,593 | $2,678 |
| 15 | Prosperity Home Mortgage, LLC | 109 | 6.375% | $8,650 | $3,858 | $2,941 |
| 16 | ZILLOW HOME LOANS, LLC | 107 | 6.5% | $5,754 | $2,090 | $1,973 |
| 17 | Navy Federal Credit Union | 98 | 6.25% | $4,603 | $0 | $4,611 |
| 18 | Bank of America, National Association | 97 | 6.125% | $5,065 | $1,591 | $3,533 |
| 19 | PENNYMAC LOAN SERVICES, LLC | 96 | 6.499% | $8,504 | $3,885 | $2,635 |
| 20 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 94 | 6.5% | $8,430 | $3,697 | $3,647 |
| 21 | GUARANTEED RATE, INC. | 91 | 6.5% | $7,401 | $2,770 | $3,792 |
| 22 | Mortgage Research Center, LLC | 87 | 6.25% | $4,914 | $0 | $1,376 |
| 23 | BoxCar Mortgage, LLC | 87 | 6.49% | n/a | $1,590 | $3,995 |
| 24 | DHI MORTGAGE COMPANY, LTD. | 78 | 4.99% | $3,478 | $0 | $2,318 |
| 25 | Wells Fargo Bank, National Association | 78 | 6.25% | $5,681 | $2,309 | $2,559 |
| 26 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 6.49% | $7,013 | $1,888 | $1,657 |
| 27 | Paramount Residential Mortgage Group, Inc. | 73 | 6.5% | $10,141 | $4,673 | $2,709 |
| 28 | TOLL BROTHERS MORTGAGE COMPANY | 69 | 6.375% | $6,650 | $1,499 | $5,920 |
| 29 | Capital City Home Loans, LLC | 66 | 6.5% | $6,542 | $1,458 | $5,041 |
| 30 | Taylor Morrison Home Funding, Inc. | 65 | 4.75% | $10,026 | $101 | $5,297 |
| 31 | GUARANTEED RATE AFFINITY, LLC | 64 | 6.5% | $6,175 | $2,613 | $2,109 |
| 32 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | 64 | 6.625% | $9,228 | $4,488 | $2,695 |
| 33 | CANOPY MORTGAGE, LLC | 60 | 6.375% | $14,860 | $7,344 | $5,890 |
| 34 | Onward Home Mortgage, LLC | 57 | 6.5% | $6,263 | $2,384 | $1,566 |
| 35 | LGE COMMUNITY CREDIT UNION | 56 | n/a | n/a | n/a | n/a |
| 36 | STOCKTON MORTGAGE CORPORATION | 55 | 6.49% | $10,437 | $6,618 | $2,524 |
| 37 | US MORTGAGE CORPORATION | 54 | 6.75% | $8,807 | $3,843 | $2,779 |
| 38 | GUILD MORTGAGE COMPANY | 52 | 6.375% | $12,668 | $4,508 | $3,956 |
| 39 | First Federal Bank | 51 | 6.625% | $8,567 | $4,683 | $869 |
| 40 | United Community Bank | 49 | 6.625% | $5,722 | $1,593 | $900 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Cobb figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Cobb County in 2025?
The median interest rate on closed home-purchase loans in Cobb County, Georgia in 2025 was 6.49%, across 7,677 first-lien, owner-occupied loans. The middle half of borrowers got between 6% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.