Georgia · Q1 2026
What Georgia borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 742 lenders.
Published 2026-04-29.
Georgia · headline
The gap between Georgia's lowest- and highest-cost ranked lenders in 2025 was $6,925 on a typical loan — borrowers using New American Funding paid roughly 288% more than borrowers using Navy Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=178,115)
In 2025, 742 mortgage lenders originated 178,115 reportable loans in Georgia according to FFIEC HMDA data. The median borrower paid $6,278 in total loan costs. That is 48.0% above the national median across all 50 states and DC.
Georgia's median total loan cost was $6,278, 48.0% above the national median of $4,242. On a typical loan, that translates to roughly $2,036 more than borrowers paid in the average state.
Navy Federal Credit Union posted the lowest median total loan costs at $2,401, 61.8% below the Georgia median. Across the ranked lenders, 8 earned an A grade against peer averages and 3 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Georgia are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,608 | $3,196 | 21,190 | A |
| 2 | United Wholesale Mortgage | $8,591 | $4,250 | 15,372 | C |
| 3 | Pennymac | $5,969 | $2,627 | 4,934 | A |
| 4 | Ameris Bank | $7,028 | $3,116 | 4,695 | A |
| 5 | Mortgage Research Center, LLC | $4,399 | $2,738 | 4,139 | A |
| 6 | Freedom Mortgage | $7,017 | $3,646 | 3,921 | A |
| 7 | loanDepot.com, LLC | $7,344 | $2,773 | 3,786 | B |
| 8 | New American Funding | $9,326 | $3,918 | 3,749 | D |
| 9 | Guild Mortgage | $9,212 | $3,883 | 3,655 | D |
| 10 | Fairway Independent Mortgage | $7,669 | $3,695 | 3,272 | B |
Georgia median total loan cost
Georgia borrowers paid a median $6,278 in total loan costs in 2025, based on 178,115 HMDA-reported loans across 742 lenders.
FFIEC HMDA 2025
Lender spread in Georgia
In Georgia, the gap between Navy Federal Credit Union ($2,401 median) and New American Funding ($9,326 median) was $6,925 on a typical 2025 loan.
FFIEC HMDA 2025
Georgia vs. national
Georgia closing costs ran 48.0% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Georgia was $2,490, with the typical lender clustering tightly around that figure. Discount points appeared on 59% of loans, with a median paid amount of $2,354 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 37% of loans, with a median credit of $345.
Avg $3,819
Median $2,354 when present
Median $345 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Georgia) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Georgia
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