Lowest closing cost mortgage lenders in Spalding County County, Georgia
In Spalding County, Georgia, homebuyers paid a median of $7,732 in closing costs in 2024 — below the Georgia median of $7,943. The county saw 880 purchase mortgages at a median rate of 6.38%. Among lenders with 10+ originations, TRAILBLAZER MORTGAGE L.L.C. offered the lowest median costs at $0, which is $4,174 less than the county median.
Homebuyers in Spalding County County who chose TRAILBLAZER MORTGAGE L.L.C. paid $7,732 less in closing costs than the county median.
County Median Costs
$7,732
−2.7% vs Georgia ($7,943)
Median Rate
6.380%
−3.6% vs national (6.620%)
Median Origination
$2,303
Purchase Originations
880
vs Georgia Median
2.7% below
$-211
vs National Median
14.7% above
$991
Lender rankings in Spalding County County
18 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $320 | 6.375% | $0 | 69 | −$4,438 | |
| 2 | $1,018 | 5.750% | $616 | 14 | −$3,740 | |
| 3 | $4,384 | 6.625% | $1,438 | 11 | −$374 | |
| 4 | $4,402 | 7.250% | $1,924 | 10 | −$356 | |
| 5 | $4,970 | 6.000% | $2,380 | 13 | +$212 | |
| 6 | $5,584 | 6.990% | $2,920 | 25 | +$826 | |
| 7 | $7,352 | 6.874% | $4,451 | 25 | +$2,594 |
Includes lenders with 10+ purchase originations in Spalding 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
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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.