Lowest closing cost mortgage lenders in Effingham County County, Georgia
In Effingham County, Georgia, homebuyers paid a median of $8,390 in closing costs in 2024 — above the Georgia median of $7,943. The county saw 986 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, DHI MORTGAGE COMPANY, LTD. offered the lowest median costs at $3,237, which is $4,340 less than the county median.
Homebuyers in Effingham County County who chose DHI MORTGAGE COMPANY, LTD. paid $5,153 less in closing costs than the county median.
County Median Costs
$8,390
+5.6% vs Georgia ($7,943)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,462
Purchase Originations
986
vs Georgia Median
5.6% above
$447
vs National Median
24.5% above
$1,649
Lender rankings in Effingham County County
14 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,946 | 6.750% | $1,506 | 22 | −$1,176 | |
| 2 | $6,154 | 6.562% | $3,806 | 46 | +$32 | |
| 3 | $6,169 | 6.933% | $2,561 | 48 | +$47 | |
| 4 | $6,215 | 6.986% | $3,166 | 24 | +$93 | |
| 5 | $6,390 | 6.625% | $1,729 | 11 | +$268 | |
| 6 | $6,595 | 6.749% | $3,550 | 16 | +$473 | |
| 7 | $7,039 | 8.600% | $4,500 | 14 | +$917 | |
| 8 | $7,521 | 6.625% | $4,030 | 15 | +$1,399 | |
| 9 | $8,300 | 6.625% | $5,012 | 11 | +$2,178 |
Includes lenders with 10+ purchase originations in Effingham County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Georgia → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.