What people paid for mortgages in Henry County, GA (2025)
Across 3,288 closed home-purchase loans in 2025, the median interest rate in Henry was 6.181%, and the middle half of borrowers got between 5.75% and 6.625%. Median total loan costs ran $10,132 on a median loan of $325,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.181%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $10,132
- Median loan amount
- $325,000
3,288 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.5%
- Median total loan costs
- $7,871
- Median loan amount
- $295,000
1,545 loans, 2025.
Lowest median rates in Henry (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.TRAILBLAZER MORTGAGE L.L.C.3.99%73 loans, median costs $10,101
- 2.DHI MORTGAGE COMPANY, LTD.4.99%209 loans, median costs $8,893
- 3.PULTE MORTGAGE LLC4.99%49 loans, median costs $8,680
- 4.JET HOMELOANS, LP4.99%32 loans, median costs $10,734
- 5.GUILD MORTGAGE COMPANY5.75%218 loans, median costs $14,723
Among lenders with at least 30 closed purchase loans in Henry County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%196 loans, median costs $9,900
- 2.VILLAGE CAPITAL & INVESTMENT LLC5.75%47 loans, median costs $6,076
- 3.PENNYMAC LOAN SERVICES, LLC5.875%79 loans, median costs $7,482
- 4.PLANET HOME LENDING, LLC5.875%34 loans, median costs $4,275
- 5.DELTA COMMUNITY CREDIT UNION5.938%30 loans, median costs $4,518
Among lenders with at least 30 closed refinance loans in Henry County in 2025.
Lender by lender in Henry
Every lender that closed at least 5 qualifying loans in Henry 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 | 235 | 6.375% | $10,826 | $3,539 | $2,152 |
| 2 | GUILD MORTGAGE COMPANY | 218 | 5.75% | $14,723 | $6,875 | $6,984 |
| 3 | DHI MORTGAGE COMPANY, LTD. | 209 | 4.99% | $8,893 | $0 | $2,131 |
| 4 | Broker Solutions, Inc. | 186 | 6.25% | $13,567 | $5,852 | $5,034 |
| 5 | Rocket Mortgage, LLC | 175 | 6.49% | $8,933 | $3,985 | $3,129 |
| 6 | Ameris Bank | 113 | 6.125% | $11,492 | $4,410 | $5,075 |
| 7 | Mortgage Research Center, LLC | 111 | 6.25% | $2,468 | $0 | $889 |
| 8 | Loandepot.Com, LLC | 77 | 5.75% | $10,312 | $1,865 | $5,189 |
| 9 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | 74 | 6.375% | $10,870 | $4,483 | $2,757 |
| 10 | CROSSCOUNTRY MORTGAGE, INC. | 74 | 6.45% | $12,471 | $5,257 | $3,766 |
| 11 | TRAILBLAZER MORTGAGE L.L.C. | 73 | 3.99% | $10,101 | $1,490 | $3,498 |
| 12 | ZILLOW HOME LOANS, LLC | 54 | 6.125% | $6,374 | $3,004 | $2,712 |
| 13 | Fairway Independent Mortgage Corporation | 52 | 6.495% | $10,277 | $3,496 | $2,811 |
| 14 | Navy Federal Credit Union | 50 | 6.25% | $3,873 | $0 | $1,869 |
| 15 | PULTE MORTGAGE LLC | 49 | 4.99% | $8,680 | $0 | $13,321 |
| 16 | AMERICAN PACIFIC MORTGAGE CORPORATION | 48 | 6.5% | $12,892 | $5,122 | $3,821 |
| 17 | EVERETT FINANCIAL, INC. | 47 | 6.625% | $15,055 | $6,816 | $4,104 |
| 18 | DELTA COMMUNITY CREDIT UNION | 41 | 6% | $5,698 | $3,000 | $3,738 |
| 19 | NVR Mortgage Finance, Inc. | 40 | 5.812% | $8,830 | $6,134 | $8,891 |
| 20 | MOVEMENT MORTGAGE, LLC | 39 | 5.875% | $13,896 | $4,773 | $13,635 |
| 21 | KIND LENDING, LLC | 37 | 6.375% | $10,211 | $2,814 | $2,111 |
| 22 | LOWER, LLC | 36 | 6.188% | $10,702 | $4,745 | $3,862 |
| 23 | JET HOMELOANS, LP | 32 | 4.99% | $10,734 | $1,325 | $4,754 |
| 24 | INSPIRE HOME LOANS INC. | 31 | 6.25% | $5,168 | $1,500 | $8,743 |
| 25 | CANOPY MORTGAGE, LLC | 31 | 5.99% | $25,590 | $15,485 | $14,322 |
| 26 | GUARANTEED RATE, INC. | 29 | 6.25% | $10,407 | $3,521 | $2,878 |
| 27 | Paramount Residential Mortgage Group, Inc. | 26 | 6.5% | $10,360 | $5,418 | $3,799 |
| 28 | CALCON MUTUAL MORTGAGE LLC | 25 | 6.625% | $13,195 | $6,992 | $5,584 |
| 29 | Truist Bank | 25 | 6.375% | $6,086 | $2,513 | $2,339 |
| 30 | Bank of America, National Association | 23 | 5.875% | $1,663 | $650 | $6,339 |
| 31 | USAA Federal Savings Bank | 23 | 6% | $8,909 | $2,774 | $3,181 |
| 32 | FREEDOM MORTGAGE CORPORATION | 22 | 6.25% | $9,632 | $3,135 | $2,965 |
| 33 | Presidential Bank, FSB | 21 | 6.25% | $12,015 | $3,905 | $3,121 |
| 34 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 20 | 7.75% | $937 | $0 | $3,145 |
| 35 | GUARANTEED RATE AFFINITY, LLC | 19 | 6.5% | $7,780 | $2,659 | $2,560 |
| 36 | Prosperity Home Mortgage, LLC | 19 | 6.25% | $9,781 | $1,575 | $2,635 |
| 37 | First Heritage Mortgage, LLC | 19 | 4.75% | $11,258 | $1,690 | $15,836 |
| 38 | Equity Prime Mortgage LLC | 19 | 6.5% | $15,731 | $6,826 | $2,536 |
| 39 | JPMorgan Chase Bank, National Association | 19 | 6.125% | $4,213 | $1,424 | $4,218 |
| 40 | PENNYMAC LOAN SERVICES, LLC | 19 | 5.999% | $9,598 | $2,935 | $3,133 |
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 Henry figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Henry County in 2025?
The median interest rate on closed home-purchase loans in Henry County, Georgia in 2025 was 6.181%, across 3,288 first-lien, owner-occupied loans. The middle half of borrowers got between 5.75% and 6.625%.
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.