Calhoun Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Calhoun averaged
6.77%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.9% and
one month ago for the week of 2025-05-15, the
average rate was 6.77%.
Calhoun's average rate one year ago was 7.11%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Calhoun 30 Year Fixed Rate | 2025-06-18 | 6.77% |
| Calhoun 30 Year Fixed Rate Refi | 2025-06-18 | 6.81% |
| Calhoun 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Calhoun 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Calhoun 30 Year FHA | 2025-06-18 | -0.03% |
| Calhoun 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Calhoun 30 Year USDA | 2025-06-18 | -0.1% |
| Calhoun 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Calhoun 30 Year VA | 2025-06-18 | 0.2% |
| Calhoun 30 Year VA Refi | 2025-06-18 | -0.1% |
Calhoun Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Calhoun, GA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Calhoun Average Closing Costs & Other Stats
Calhoun, GA's 92 lenders originated 1,220
loans during 2024. The total origination value was $263,500,000, with an average loan value of
$215,984.
Calhoun's average closing costs are $5,896.
The top Calhoun lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
41 loans originated. Their average total fees are
$5,212, which is $1,989
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Calhoun lenders (with over 10 loans originated) are
SWBC MORTGAGE CORPORATION ($3,753), UNITED WHOLESALE MORTGAGE, LLC ($5,212), GUARANTEED RATE, INC. ($5,764), MOVEMENT MORTGAGE, LLC ($6,824) and Ameris Bank ($7,041).
The lowest rate Calhoun lenders (with over 10 loans originated) are
MOVEMENT MORTGAGE, LLC (6.43%), Ameris Bank (6.56%), SWBC MORTGAGE CORPORATION (6.70%), QUICKEN LOANS, LLC (6.74%) and UNITED WHOLESALE MORTGAGE, LLC (6.80%).
Calhoun, GA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $15,535,000 | $20,060,000 | 29.1% | 7.6% |
| QUICKEN LOANS, LLC | $15,810,000 | $18,630,000 | 17.8% | 7.1% |
| NVR Mortgage Finance, Inc. | $9,070,000 | $10,885,000 | 20.0% | 4.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $9,750,000 | $8,985,000 | -7.8% | 3.4% |
| MOVEMENT MORTGAGE, LLC | $5,305,000 | $8,625,000 | 62.6% | 3.3% |
| GUARANTEED RATE, INC. | $5,335,000 | $8,605,000 | 61.3% | 3.3% |
| SWBC MORTGAGE CORPORATION | $6,785,000 | $7,815,000 | 15.2% | 3.0% |
| Synovus Bank | $11,710,000 | $6,955,000 | -40.6% | 2.6% |
| Ameris Bank | $9,080,000 | $6,075,000 | -33.1% | 2.3% |
| Regions Bank | $6,730,000 | $5,165,000 | -23.3% | 2.0% |
| PENNYMAC LOAN SERVICES, LLC | $2,585,000 | $5,010,000 | 93.8% | 1.9% |
| Truist | $5,670,000 | $4,900,000 | -13.6% | 1.9% |
| FAMILY SAVINGS | $3,170,000 | $4,895,000 | 54.4% | 1.9% |
| NJ LENDERS CORP. | $4,710,000 | n/a | 1.8% | |
| United Community Bank | $2,825,000 | $4,575,000 | 61.9% | 1.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,315,000 | $4,560,000 | 97.0% | 1.7% |
| Mortgage Research Center, LLC | $3,600,000 | $4,210,000 | 16.9% | 1.6% |
| TOWNE MORTGAGE COMPANY | $630,000 | $4,160,000 | 560.3% | 1.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,090,000 | $4,095,000 | 275.7% | 1.6% |
| Renasant Bank | $4,645,000 | $4,085,000 | -12.1% | 1.6% |
| NAVY FEDERAL CREDIT UNION | $1,735,000 | $3,550,000 | 104.6% | 1.3% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $7,010,000 | $3,535,000 | -49.6% | 1.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,280,000 | $3,465,000 | 52.0% | 1.3% |
| Bethpage Federal Credit Union | $2,940,000 | n/a | 1.1% | |
| FREEDOM MORTGAGE CORPORATION | $790,000 | $2,805,000 | 255.1% | 1.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,410,000 | $2,665,000 | -21.8% | 1.0% |
| LGE COMMUNITY | $430,000 | $2,590,000 | 502.3% | 1.0% |
| BROKER SOLUTIONS, INC. | $1,240,000 | $2,580,000 | 108.1% | 1.0% |
| First Volunteer Bank | $8,460,000 | $2,480,000 | -70.7% | 0.9% |
| CANOPY MORTGAGE, LLC | $215,000 | $2,440,000 | 1,034.9% | 0.9% |
| The Piedmont Bank | $2,355,000 | n/a | 0.9% | |
| Century Mortgage Company DBA Century Lending Company | $450,000 | $2,280,000 | 406.7% | 0.9% |
| FIRST COMMUNITY MORTGAGE, INC. | $4,330,000 | $2,280,000 | -47.3% | 0.9% |
| UNION HOME MORTGAGE CORP. | $360,000 | $2,240,000 | 522.2% | 0.9% |
| NEW DAY FINANCIAL, LLC | $675,000 | $2,130,000 | 215.6% | 0.8% |
| USAA Federal Savings Bank | $285,000 | $1,810,000 | 535.1% | 0.7% |
| Wells Fargo Bank | $3,085,000 | $1,650,000 | -46.5% | 0.6% |
| FirstBank | $1,005,000 | $1,575,000 | 56.7% | 0.6% |
| Flagstar Bank, FSB | $875,000 | $1,415,000 | 61.7% | 0.5% |
| EVERETT FINANCIAL, INC. | $4,205,000 | $1,400,000 | -66.7% | 0.5% |
| STOCKTON MORTGAGE CORPORATION | $2,350,000 | $1,395,000 | -40.6% | 0.5% |
| MORTGAGE INVESTORS GROUP, INC. | $530,000 | $1,355,000 | 155.7% | 0.5% |
| Prosperity Home Mortgage, LLC | $1,440,000 | $1,325,000 | -8.0% | 0.5% |
| LOANDEPOT.COM, LLC | $1,730,000 | $1,310,000 | -24.3% | 0.5% |
| LENDINGHOME FUNDING CORPORATION | $800,000 | $1,290,000 | 61.3% | 0.5% |
| Capital City Home Loans, LLC | $1,195,000 | $1,260,000 | 5.4% | 0.5% |
| GEORGIA UNITED | $620,000 | $1,250,000 | 101.6% | 0.5% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $700,000 | $1,210,000 | 72.9% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $275,000 | $1,180,000 | 329.1% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $1,145,000 | n/a | 0.4% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $660,000 | $1,120,000 | 69.7% | 0.4% |
| PLANET HOME LENDING, LLC | $1,085,000 | n/a | 0.4% | |
| NexBank | $1,590,000 | $1,075,000 | -32.4% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $460,000 | $1,005,000 | 118.5% | 0.4% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $1,190,000 | $975,000 | -18.1% | 0.4% |
| Carrington Mortgage Services, LLC | $1,265,000 | $970,000 | -23.3% | 0.4% |
| Mortgage Assurance Inc. | $965,000 | n/a | 0.4% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $595,000 | $955,000 | 60.5% | 0.4% |
| Equity Prime Mortgage LLC | $605,000 | $930,000 | 53.7% | 0.4% |
| MILEND, INC. | $740,000 | $905,000 | 22.3% | 0.3% |
| NEWREZ LLC | $320,000 | $860,000 | 168.8% | 0.3% |
| LOANPAL, LLC | $145,000 | $855,000 | 489.7% | 0.3% |
| THE MORTGAGE FIRM, INC. | $840,000 | n/a | 0.3% | |
| NFM, INC. | $820,000 | $835,000 | 1.8% | 0.3% |
| JPMorgan Chase Bank | $900,000 | $815,000 | -9.4% | 0.3% |
| Bank OZK | $170,000 | $770,000 | 352.9% | 0.3% |
| PANORAMA MORTGAGE GROUP, LLC | $155,000 | $755,000 | 387.1% | 0.3% |
| SIRVA MORTGAGE, INC. | $740,000 | n/a | 0.3% | |
| 21ST MORTGAGE CORPORATION | $1,145,000 | $735,000 | -35.8% | 0.3% |
| First Heritage Mortgage, LLC | $710,000 | n/a | 0.3% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $375,000 | $675,000 | 80.0% | 0.3% |
| CHURCHILL MORTGAGE CORPORATION | $630,000 | $670,000 | 6.3% | 0.3% |
| FIRST COLONY MORTGAGE CORPORATION | $355,000 | $665,000 | 87.3% | 0.3% |
| Fifth Third Bank | $200,000 | $655,000 | 227.5% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $225,000 | $615,000 | 173.3% | 0.2% |
| ACOPIA, LLC | $215,000 | $610,000 | 183.7% | 0.2% |
| US MORTGAGE CORPORATION | $1,060,000 | $600,000 | -43.4% | 0.2% |
| First National Bank of Pennsylvania | $585,000 | n/a | 0.2% | |
| Mid-Continent Funding, Inc. | $585,000 | n/a | 0.2% | |
| AmeriHome Mortgage Company, LLC | $225,000 | $580,000 | 157.8% | 0.2% |
| Ally Bank | $575,000 | n/a | 0.2% | |
| Discover Bank | $1,125,000 | $555,000 | -50.7% | 0.2% |
| First Option Mortgage, LLC | $890,000 | $555,000 | -37.6% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $505,000 | $555,000 | 9.9% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $225,000 | $540,000 | 140.0% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $365,000 | $515,000 | 41.1% | 0.2% |
| Presidential Bank, FSB | $255,000 | $510,000 | 100.0% | 0.2% |
| ZILLOW HOME LOANS, LLC | $480,000 | n/a | 0.2% | |
| EVANSVILLE TEACHERS | $475,000 | n/a | 0.2% | |
| SUMMIT FUNDING, INC. | $815,000 | $475,000 | -41.7% | 0.2% |
| Bank of America | $290,000 | $460,000 | 58.6% | 0.2% |
| LIBERTY HOME MORTGAGE CORPORATION | $460,000 | n/a | 0.2% | |
| RF Renovo Management Company, LLC | $450,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $655,000 | $430,000 | -34.4% | 0.2% |
| CMG MORTGAGE, INC. | $1,780,000 | $410,000 | -77.0% | 0.2% |
| HOMESPIRE MORTGAGE CORPORATION | $705,000 | $410,000 | -41.8% | 0.2% |
| First National Community Bank | $65,000 | $405,000 | 523.1% | 0.2% |
| Merchants & Marine Bank | $405,000 | n/a | 0.2% | |
| Princeton Mortgage Corporation | $355,000 | $395,000 | 11.3% | 0.1% |
| LENDSURE MORTGAGE CORP. | $385,000 | n/a | 0.1% | |
| PEACH STATE FEDERAL CREDIT UNION | $385,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $285,000 | $380,000 | 33.3% | 0.1% |
| The Federal Savings Bank | $640,000 | $370,000 | -42.2% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $520,000 | $365,000 | -29.8% | 0.1% |
| ISERVE RESIDENTIAL LENDING, LLC | $925,000 | $365,000 | -60.5% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $345,000 | $360,000 | 4.3% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $345,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $340,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $310,000 | $325,000 | 4.8% | 0.1% |
| CREDIT UNION OF GEORGIA | $280,000 | $325,000 | 16.1% | 0.1% |
| Cornerstone First Mortgage, Inc | $440,000 | $315,000 | -28.4% | 0.1% |
| COMMUNITY MORTGAGE CORPORATION | $305,000 | n/a | 0.1% | |
| University Bank | $305,000 | n/a | 0.1% | |
| TENNESSEE VALLEY | $445,000 | $300,000 | -32.6% | 0.1% |
| AgFirst Farm Credit Bank | $295,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $270,000 | $295,000 | 9.3% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $470,000 | $285,000 | -39.4% | 0.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $275,000 | n/a | 0.1% | |
| NATION ONE MORTGAGE CORPORATION | $1,130,000 | $255,000 | -77.4% | 0.1% |
| Acre Mortgage and Financial Inc | $245,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $245,000 | n/a | 0.1% | |
| Axos Bank | $245,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $245,000 | n/a | 0.1% | |
| CONTOUR MORTGAGE CORPORATION | $245,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $185,000 | $245,000 | 32.4% | 0.1% |
| V.I.P. MORTGAGE, INC. | $245,000 | n/a | 0.1% | |
| Northpointe Bank | $420,000 | $235,000 | -44.0% | 0.1% |
| Alcova Mortgage LLC | $225,000 | n/a | 0.1% | |
| GoPrime Mortgage, Inc. | $225,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $145,000 | $225,000 | 55.2% | 0.1% |
| FBC MORTGAGE, LLC | $215,000 | n/a | 0.1% | |
| NBKC BANK | $305,000 | $215,000 | -29.5% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $295,000 | $215,000 | -27.1% | 0.1% |
| PNC Bank | $815,000 | $210,000 | -74.2% | 0.1% |
| DAS Acquisition Company, LLC | $215,000 | $205,000 | -4.7% | 0.1% |
| Metro City Bank | $235,000 | $205,000 | -12.8% | 0.1% |
| Atlantic Union Bank | $860,000 | $195,000 | -77.3% | 0.1% |
| LIMA ONE CAPITAL, LLC | $195,000 | n/a | 0.1% | |
| Figure Lending LLC | $455,000 | $190,000 | -58.2% | 0.1% |
| CSL Financial, LLC | $185,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $235,000 | $185,000 | -21.3% | 0.1% |
| EMM LOANS LLC | $175,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $610,000 | $175,000 | -71.3% | 0.1% |
| STATE EMPLOYEES' | $175,000 | n/a | 0.1% | |
| OCEANSIDE MORTGAGE COMPANY | $165,000 | n/a | 0.1% | |
| TJC Mortgage, Inc. | $1,180,000 | $165,000 | -86.0% | 0.1% |
| M&T Bank | $155,000 | n/a | 0.1% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $600,000 | $155,000 | -74.2% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $145,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $400,000 | $145,000 | -63.8% | 0.1% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $145,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $135,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $190,000 | $135,000 | -28.9% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $125,000 | n/a | 0.0% | |
| Citibank | $120,000 | n/a | 0.0% | |
| Citizens Bank | $755,000 | $115,000 | -84.8% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $105,000 | n/a | 0.0% | |
| JUSTICE Federal Credit Union | $105,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $105,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $90,000 | n/a | 0.0% | |
| GUILD MORTGAGE COMPANY | $710,000 | $85,000 | -88.0% | 0.0% |
| GEORGIA'S OWN | $75,000 | n/a | 0.0% | |
| South State Bank | $1,525,000 | $75,000 | -95.1% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $145,000 | $75,000 | -48.3% | 0.0% |
| River City Bank | $65,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $95,000 | $65,000 | -31.6% | 0.0% |
| U.S. Bank | $65,000 | n/a | 0.0% | |
| United Bank | $35,000 | $55,000 | 57.1% | 0.0% |
| COMMUNITY BANK OF PICKENS COUNTY | $145,000 | $35,000 | -75.9% | 0.0% |
Calhoun's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 7.6% market share. In second place, with 7.1%, is QUICKEN LOANS, LLC, having originated $18,630,000 in loans. In third place, with 4.1%, is NVR Mortgage Finance, Inc., having originated $10,885,000 in loans. In fourth place, with 3.4%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $8,985,000 in loans. In fifth place, with 3.3%, is MOVEMENT MORTGAGE, LLC, having originated $8,625,000 in loans.
Calhoun, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 645 | $166,915,000 | $258,783 |
| Cash Out Refi | 196 | $38,720,000 | $197,551 |
| Refi | 160 | $38,390,000 | $239,938 |
| Other | 159 | $13,465,000 | $84,686 |
| Home Improvement | 60 | $6,010,000 | $100,167 |
Calhoun's most frequently cited loan purpose was Home Purchase, with 645 originations. The 2nd most popular reason was Cash Out Refi, with 196 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 476 | $121,810,000 | $255,903 |
| Over 8% | 257 | $26,595,000 | $103,482 |
| 7-8% | 205 | $51,295,000 | $250,220 |
| 5-6% | 198 | $49,560,000 | $250,303 |
| <2.5% | 11 | $115,000 | $10,455 |
| 4-5% | 10 | $2,140,000 | $214,000 |
| 2.5-3% | 1 | $285,000 | $285,000 |
During 2024, Calhoun's most frequently originated rate bucket was 6-7%, with 476 originations.
Loan Sizing (Calhoun, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 564 | $154,570,000 | $274,060 |
| $100,000 or less | 290 | $15,460,000 | $53,310 |
| $100k-200k | 279 | $42,105,000 | $150,914 |
| $400k-600k | 60 | $28,680,000 | $478,000 |
| $600k-1000k | 25 | $17,445,000 | $697,800 |
| $Over $1MM | 2 | $5,240,000 | $2,620,000 |
Calhoun's loan sizing saw the bucket of loans from $200k-400k with 564 originations, totaling $154,570,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 500 | $135,550,000 | $271,100 |
| 60-80% | 207 | $56,955,000 | $275,145 |
| Under 20% | 149 | $6,545,000 | $43,926 |
| 20-40% | 131 | $13,195,000 | $100,725 |
| 40-60% | 125 | $24,665,000 | $197,320 |
| Over 100% | 28 | $9,360,000 | $334,286 |
Calhoun's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 500 originations, totaling $135,550,000 in origination value.