What people paid for mortgages in DeKalb County, GA (2025)
Across 6,610 closed home-purchase loans in 2025, the median interest rate in DeKalb was 6.375%, and the middle half of borrowers got between 5.99% and 6.75%. Median total loan costs ran $7,786 on a median loan of $335,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.99%–6.75%
- Median total loan costs
- $7,786
- Median loan amount
- $335,000
6,610 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $7,343
- Median loan amount
- $275,000
2,722 loans, 2025.
Lowest median rates in DeKalb (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.DHI MORTGAGE COMPANY, LTD.4.625%104 loans, median costs $7,706
- 2.INSPIRE HOME LOANS INC.4.875%45 loans, median costs $11,170
- 3.Associated Credit Union5.625%39 loans, median costs $9,061
- 4.Bank of America, National Association5.99%111 loans, median costs $4,002
- 5.DELTA COMMUNITY CREDIT UNION6%77 loans, median costs $7,845
Among lenders with at least 30 closed purchase loans in DeKalb County in 2025.
Refinance
- 1.VILLAGE CAPITAL & INVESTMENT LLC5.75%45 loans, median costs $6,716
- 2.DELTA COMMUNITY CREDIT UNION5.75%42 loans, median costs $4,481
- 3.AMERICAN FINANCING CORPORATION5.875%56 loans, median costs $10,873
- 4.PENNYMAC LOAN SERVICES, LLC5.99%114 loans, median costs $7,006
- 5.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%296 loans, median costs $9,133
Among lenders with at least 30 closed refinance loans in DeKalb County in 2025.
Lender by lender in DeKalb
Every lender that closed at least 5 qualifying loans in DeKalb 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 | 548 | 6.5% | $9,641 | $4,255 | $2,239 |
| 2 | Ameris Bank | 391 | 6.375% | $7,453 | $3,238 | $2,789 |
| 3 | Rocket Mortgage, LLC | 386 | 6.49% | $7,645 | $3,807 | $2,490 |
| 4 | BoxCar Mortgage, LLC | 286 | 6.49% | n/a | $1,590 | $3,909 |
| 5 | Truist Bank | 173 | 6.125% | $6,219 | $1,250 | $1,608 |
| 6 | Fairway Independent Mortgage Corporation | 168 | 6.75% | $6,234 | $2,408 | $2,314 |
| 7 | JPMorgan Chase Bank, National Association | 166 | 6.375% | $5,087 | $1,590 | $2,759 |
| 8 | EVERETT FINANCIAL, INC. | 147 | 6.625% | $10,961 | $5,898 | $2,921 |
| 9 | CROSSCOUNTRY MORTGAGE, INC. | 126 | 6.5% | $9,358 | $4,565 | $3,254 |
| 10 | Bank of America, National Association | 111 | 5.99% | $4,002 | $1,618 | $4,672 |
| 11 | ZILLOW HOME LOANS, LLC | 109 | 6.375% | $6,211 | $2,651 | $2,169 |
| 12 | BANKSOUTH MORTGAGE COMPANY, LLC | 105 | 6.375% | $9,122 | $4,266 | $2,560 |
| 13 | DHI MORTGAGE COMPANY, LTD. | 104 | 4.625% | $7,706 | $0 | $2,099 |
| 14 | Mortgage Research Center, LLC | 99 | 6.375% | $2,650 | $0 | $839 |
| 15 | SHELTER HOME MORTGAGE, LLC | 98 | 6.625% | $6,843 | $3,124 | $1,725 |
| 16 | Broker Solutions, Inc. | 89 | 6.5% | $10,765 | $4,250 | $3,282 |
| 17 | GUILD MORTGAGE COMPANY | 87 | 6.125% | $11,204 | $4,683 | $3,194 |
| 18 | CANOPY MORTGAGE, LLC | 84 | 6.375% | $10,308 | $5,154 | $3,662 |
| 19 | Wells Fargo Bank, National Association | 84 | 6.188% | $4,030 | $2,222 | $2,153 |
| 20 | MOVEMENT MORTGAGE, LLC | 78 | 6.594% | $7,958 | $2,596 | $3,687 |
| 21 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | 77 | 6.125% | $10,849 | $4,199 | $2,478 |
| 22 | DELTA COMMUNITY CREDIT UNION | 77 | 6% | $7,845 | $4,455 | $2,980 |
| 23 | Navy Federal Credit Union | 76 | 6.562% | $5,617 | $562 | $3,464 |
| 24 | SouthState Bank, National Association | 72 | 6.5% | $5,642 | $1,495 | $2,170 |
| 25 | GUARANTEED RATE, INC. | 67 | 6.475% | $7,752 | $2,073 | $1,163 |
| 26 | VANDERBILT MORTGAGE AND FINANCE, INC. | 63 | 6.49% | $7,267 | $2,155 | $2,357 |
| 27 | Onward Home Mortgage, LLC | 62 | 6.5% | $6,409 | $2,598 | $1,719 |
| 28 | GUARANTEED RATE AFFINITY, LLC | 60 | 6.5% | $7,048 | $3,151 | $2,090 |
| 29 | Paramount Residential Mortgage Group, Inc. | 59 | 6.625% | $9,200 | $3,312 | $2,148 |
| 30 | Prosperity Home Mortgage, LLC | 59 | 6.375% | $8,893 | $2,947 | $2,228 |
| 31 | First Option Mortgage, LLC | 55 | 6.625% | $8,276 | $3,921 | $2,808 |
| 32 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 54 | 6.49% | $6,492 | $2,389 | $2,520 |
| 33 | First Federal Bank | 53 | 6.625% | $9,633 | $5,549 | $1,569 |
| 34 | Renasant Bank | 52 | 6.188% | $7,227 | $2,519 | $3,686 |
| 35 | PENNYMAC LOAN SERVICES, LLC | 51 | 6.375% | $9,099 | $2,532 | $1,915 |
| 36 | AMERICAN FINANCIAL NETWORK, INC. | 50 | 6.875% | $7,319 | $1,935 | n/a |
| 37 | Regions Bank | 49 | 6.125% | $7,381 | $2,106 | $3,220 |
| 38 | INSPIRE HOME LOANS INC. | 45 | 4.875% | $11,170 | $1,500 | $5,472 |
| 39 | Fifth Third Bank, National Association | 45 | 6.25% | $6,338 | $1,295 | $1,213 |
| 40 | KIND LENDING, LLC | 44 | 6.438% | $10,860 | $6,172 | $1,391 |
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 DeKalb figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in DeKalb County in 2025?
The median interest rate on closed home-purchase loans in DeKalb County, Georgia in 2025 was 6.375%, across 6,610 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% 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.