Cedartown Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Cedartown averaged 6.84% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

The average rate for the prior week (2025-06-26) was 6.94% and one month ago for the week of 2025-05-29, the average rate was 6.96%.

Cedartown's average rate one year ago was 6.93%.

For refis of the same type during the week of 2025-07-03, the average rate was 6.57%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-03 6.67%
Cedartown 30 Year Fixed Rate 2025-07-03 6.84%
Cedartown 30 Year Fixed Rate Refi 2025-07-03 6.57%
Cedartown 15 Year Fixed Rate 2025-07-03 5.6%
Cedartown 15 Year Fixed Rate Refi 2025-07-03 6.3%
Cedartown 30 Year FHA 2025-07-03 0.05%
Cedartown 30 Year FHA Refi 2025-07-03 0%
Cedartown 30 Year USDA 2025-07-03 0.1%
Cedartown 30 Year USDA Refi 2025-07-03 0%
Cedartown 30 Year VA 2025-07-03 0.1%
Cedartown 30 Year VA Refi 2025-07-03 0%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Cedartown, GA.

Cedartown 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 Cedartown, 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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 34 6.92% $6,382
UNITED WHOLESALE MORTGAGE, LLC 19 6.64% $7,776
MEMBER FIRST MORTGAGE, LLC 13 6.51% $5,474
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 7.07% $6,166
CROSSCOUNTRY MORTGAGE, LLC 9 6.97% $6,923
Renasant Bank 8 6.47% $4,582
Colony Bank 8 6.68% $5,137
VANDERBILT MORTGAGE AND FINANCE, INC. 8 6.96% $5,317
MOVEMENT MORTGAGE, LLC 7 6.51% $8,428
GUARANTEED RATE, INC. 7 6.93% $6,364
STOCKTON MORTGAGE CORPORATION 5 6.80% $7,666
AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.42% $6,505
Ameris Bank 4 6.75% $4,652
Century Mortgage Company DBA Century Lending Company 4 6.47% $9,178
Wells Fargo Bank 4 6.47% $5,711
SWBC MORTGAGE CORPORATION 4 6.84% $4,919
EVERETT FINANCIAL, INC. 3 7.37% $9,373
CANOPY MORTGAGE, LLC 3 6.33% $6,783
UNION HOME MORTGAGE CORP. 2 6.38% $11,940
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.63% $5,848
LOANDEPOT.COM, LLC 2 6.56% $6,451
BROKER SOLUTIONS, INC. 2 7.25% $5,208
First National Bank of America 2 9.12% $12,577
NEWREZ LLC 2 7.44% $5,450
Flagstar Bank, FSB 2 6.45% $6,020
PROVIDENT FUNDING ASSOCIATES, L.P. 2 6.44% $4,706
NAVY FEDERAL CREDIT UNION 2 5.63% $4,990
Regions Bank 2 7.13% $5,055
DIRECT LENDERS, LLC 2 7.19% $5,801
ROYAL UNITED MORTGAGE LLC 2 7.63% $5,466
SHELTER HOME MORTGAGE, LLC 2 6.75% $7,779
TOWNE MORTGAGE COMPANY 2 6.43% $4,685
Truist 2 7.26% $4,150
Magnolia Bank 1 6.49% $8,357
AgFirst Farm Credit Bank 1 7.00% $6,076
AMERISAVE MORTGAGE CORPORATION 1 7.13% $7,464
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 6.38% $9,120
ARC HOME LLC 1 8.63% $11,738
Associated Credit Union 1 5.50% $4,464
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 7.13% $5,774
BANKSOUTH MORTGAGE COMPANY, LLC 1 6.88% $7,879
Carrington Mortgage Services, LLC 1 8.38% $9,972
Citizens Bank 1 7.63% $2,480
Cornerstone First Mortgage, Inc 1 6.13% $7,124
EMM LOANS LLC 1 7.63% $4,743
GEORGIA'S OWN 1 6.25% $3,371
GUILD MORTGAGE COMPANY 1 6.88% $13,015
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 6.63% $7,021
ITHINK FINANCIAL Credit Union 1 6.25% $5,590
LOANPAL, LLC 1 7.13% $6,151
21ST MORTGAGE CORPORATION 1 9.01% $7,308
MILEND, INC. 1 6.50% $6,621
Mortgage Assurance Inc. 1 7.50% $4,975
NexBank 1 6.99% $10,092
Paramount Residential Mortgage Group, Inc. 1 6.63% $4,582
PENNYMAC LOAN SERVICES, LLC 1 6.62% $8,292
Plains Commerce Bank 1 6.00% $9,604
PNC Bank 1 6.75% $5,434
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.63% $7,245
Prosperity Home Mortgage, LLC 1 7.13% $4,390
SOUTHPOINT FINANCIAL SERVICES, INC. 1 7.00% $7,873
Synovus Bank 1 7.13% $4,692
U.S. Bank 1 6.38% $2,656

Cedartown Average Closing Costs & Other Stats

Cedartown, GA's 63 lenders originated 787 loans during 2024. The total origination value was $154,835,000, with an average loan value of $196,741.

Cedartown's average closing costs are $5,797.

The top Cedartown lender as defined by loan originations is QUICKEN LOANS, LLC, with 34 loans originated. Their average total fees are $6,382, which is $1,394 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Cedartown lenders (with over 10 loans originated) are MEMBER FIRST MORTGAGE, LLC ($5,474), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,166), QUICKEN LOANS, LLC ($6,382), UNITED WHOLESALE MORTGAGE, LLC ($7,776) and .

The lowest rate Cedartown lenders (with over 10 loans originated) are MEMBER FIRST MORTGAGE, LLC (6.51%), UNITED WHOLESALE MORTGAGE, LLC (6.64%), QUICKEN LOANS, LLC (6.92%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (7.07%) and .

Cedartown, 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 $6,360,000 $11,065,000 74.0% 7.1%
QUICKEN LOANS, LLC $10,090,000 $9,950,000 -1.4% 6.4%
CROSSCOUNTRY MORTGAGE, LLC $3,450,000 $7,525,000 118.1% 4.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $13,285,000 $7,185,000 -45.9% 4.6%
VANDERBILT MORTGAGE AND FINANCE, INC. $5,120,000 $6,575,000 28.4% 4.2%
United Community Bank $3,385,000 $5,155,000 52.3% 3.3%
FAMILY SAVINGS $3,140,000 $4,345,000 38.4% 2.8%
AMERICAN PACIFIC MORTGAGE CORPORATION $3,940,000 n/a 2.5%
MEMBER FIRST MORTGAGE, LLC $2,075,000 $3,660,000 76.4% 2.4%
GUARANTEED RATE, INC. $2,730,000 $3,320,000 21.6% 2.1%
MOVEMENT MORTGAGE, LLC $2,985,000 $3,300,000 10.6% 2.1%
Ameris Bank $1,535,000 $3,180,000 107.2% 2.1%
Mortgage Research Center, LLC $2,370,000 $2,910,000 22.8% 1.9%
PENNYMAC LOAN SERVICES, LLC $2,045,000 $2,795,000 36.7% 1.8%
EVERETT FINANCIAL, INC. $2,175,000 $2,755,000 26.7% 1.8%
Renasant Bank $2,650,000 $2,650,000 0.0% 1.7%
SWBC MORTGAGE CORPORATION $2,710,000 $2,455,000 -9.4% 1.6%
CANOPY MORTGAGE, LLC $365,000 $2,310,000 532.9% 1.5%
FREEDOM MORTGAGE CORPORATION $1,335,000 $2,190,000 64.0% 1.4%
Regions Bank $3,570,000 $2,135,000 -40.2% 1.4%
GUILD MORTGAGE COMPANY $1,760,000 n/a 1.1%
Truist $3,175,000 $1,545,000 -51.3% 1.0%
Magnolia Bank $1,870,000 $1,530,000 -18.2% 1.0%
LENDINGHOME FUNDING CORPORATION $340,000 $1,525,000 348.5% 1.0%
UNION HOME MORTGAGE CORP. $195,000 $1,475,000 656.4% 1.0%
STOCKTON MORTGAGE CORPORATION $1,510,000 $1,435,000 -5.0% 0.9%
BROKER SOLUTIONS, INC. $2,395,000 $1,410,000 -41.1% 0.9%
Colony Bank $1,410,000 $1,410,000 0.0% 0.9%
Century Mortgage Company DBA Century Lending Company $285,000 $1,400,000 391.2% 0.9%
TOWNE MORTGAGE COMPANY $540,000 $1,335,000 147.2% 0.9%
Flagstar Bank, FSB $1,655,000 $1,245,000 -24.8% 0.8%
Capital City Home Loans, LLC $155,000 $1,125,000 625.8% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $700,000 $1,105,000 57.9% 0.7%
AMERISAVE MORTGAGE CORPORATION $1,220,000 $1,100,000 -9.8% 0.7%
BANKSOUTH MORTGAGE COMPANY, LLC $920,000 $1,070,000 16.3% 0.7%
CARDINAL FINANCIAL $1,290,000 $1,000,000 -22.5% 0.6%
Carrington Mortgage Services, LLC $1,015,000 $1,000,000 -1.5% 0.6%
Wells Fargo Bank $975,000 $975,000 0.0% 0.6%
First National Community Bank $280,000 $960,000 242.9% 0.6%
The Federal Savings Bank $920,000 n/a 0.6%
SOUTHPOINT FINANCIAL SERVICES, INC. $235,000 $905,000 285.1% 0.6%
EMM LOANS LLC $175,000 $820,000 368.6% 0.5%
EVANSVILLE TEACHERS $790,000 n/a 0.5%
FIRST COMMUNITY MORTGAGE, INC. $440,000 $785,000 78.4% 0.5%
21ST MORTGAGE CORPORATION $335,000 $780,000 132.8% 0.5%
SHELTER HOME MORTGAGE, LLC $315,000 $770,000 144.4% 0.5%
NEWREZ LLC $760,000 n/a 0.5%
Goldwater Bank, N.A. $440,000 $755,000 71.6% 0.5%
MORTGAGE SOLUTIONS OF COLORADO, LLC $255,000 $750,000 194.1% 0.5%
Hometown Equity Mortgage, LLC $1,075,000 $745,000 -30.7% 0.5%
AgFirst Farm Credit Bank $720,000 n/a 0.5%
Mortgage Assurance Inc. $675,000 n/a 0.4%
Equity Prime Mortgage LLC $655,000 n/a 0.4%
PLANET HOME LENDING, LLC $395,000 $655,000 65.8% 0.4%
Coosa Valley Credit Union $380,000 $650,000 71.1% 0.4%
MID AMERICA MORTGAGE, INC. $5,000 $645,000 12,800.0% 0.4%
AMERICAN FINANCIAL RESOURCES, INC. $625,000 n/a 0.4%
LGE COMMUNITY $360,000 $620,000 72.2% 0.4%
Southern States Bank $595,000 n/a 0.4%
VILLAGE CAPITAL MORTGAGE $215,000 $590,000 174.4% 0.4%
First National Bank of America $355,000 $580,000 63.4% 0.4%
NFM, INC. $575,000 n/a 0.4%
LIMA ONE CAPITAL, LLC $670,000 $555,000 -17.2% 0.4%
Discover Bank $185,000 $545,000 194.6% 0.4%
ARC HOME LLC $515,000 n/a 0.3%
SUCCESS MORTGAGE PARTNERS, INC. $510,000 n/a 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $420,000 $500,000 19.0% 0.3%
PROVIDENT FUNDING ASSOCIATES, L.P. $500,000 n/a 0.3%
NAVY FEDERAL CREDIT UNION $1,115,000 $480,000 -57.0% 0.3%
PLAZA HOME MORTGAGE, INC. $480,000 n/a 0.3%
ISERVE RESIDENTIAL LENDING, LLC $470,000 n/a 0.3%
ZILLOW HOME LOANS, LLC $570,000 $465,000 -18.4% 0.3%
Citizens Bank $135,000 $440,000 225.9% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $580,000 $425,000 -26.7% 0.3%
PNC Bank $90,000 $425,000 372.2% 0.3%
ROYAL UNITED MORTGAGE LLC $380,000 $425,000 11.8% 0.3%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $1,075,000 $420,000 -60.9% 0.3%
NATIONS DIRECT MORTGAGE, LLC $145,000 $415,000 186.2% 0.3%
Figure Lending LLC $150,000 $405,000 170.0% 0.3%
GEO-CORP, INC. $405,000 n/a 0.3%
FIRST COLONY MORTGAGE CORPORATION $400,000 n/a 0.3%
GEORGIA'S OWN $180,000 $390,000 116.7% 0.3%
Prosperity Home Mortgage, LLC $470,000 $390,000 -17.0% 0.3%
LOANDEPOT.COM, LLC $1,310,000 $365,000 -72.1% 0.2%
USAA Federal Savings Bank $970,000 $365,000 -62.4% 0.2%
Associated Credit Union $165,000 $350,000 112.1% 0.2%
Alcova Mortgage LLC $320,000 $340,000 6.3% 0.2%
BAYSHORE MORTGAGE FUNDING, LLC $335,000 n/a 0.2%
LOANPAL, LLC $105,000 $335,000 219.0% 0.2%
DIRECT LENDERS, LLC $795,000 $330,000 -58.5% 0.2%
NORWICH COMMERCIAL GROUP, INC. $315,000 n/a 0.2%
HOMESIDE FINANCIAL, LLC $410,000 $310,000 -24.4% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $305,000 n/a 0.2%
LAKEVIEW LOAN SERVICING, LLC $470,000 $305,000 -35.1% 0.2%
MORTGAGE INVESTORS GROUP, INC. $880,000 $305,000 -65.3% 0.2%
Paramount Residential Mortgage Group, Inc. $285,000 $305,000 7.0% 0.2%
COUNTRYPLACE MORTGAGE, LTD. $295,000 n/a 0.2%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $295,000 n/a 0.2%
Keystone Funding, Inc. $295,000 n/a 0.2%
SENTE MORTGAGE, INC. $285,000 n/a 0.2%
TOP FLITE FINANCIAL, INC. $145,000 $275,000 89.7% 0.2%
NexBank $255,000 n/a 0.2%
PREMIA MORTGAGE, LLC $425,000 $255,000 -40.0% 0.2%
TOWER $255,000 n/a 0.2%
Synovus Bank $215,000 $235,000 9.3% 0.2%
HOMEOWNERS FINANCIAL GROUP USA, LLC $485,000 $225,000 -53.6% 0.1%
ITHINK FINANCIAL Credit Union $115,000 $225,000 95.7% 0.1%
SUMMIT FUNDING, INC. $225,000 n/a 0.1%
Plains Commerce Bank $215,000 n/a 0.1%
Residential Acceptance Corporation $215,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $205,000 n/a 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $195,000 n/a 0.1%
M&T Bank $195,000 n/a 0.1%
CITY FIRST MORTGAGE SERVICES, L.L.C. $185,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $140,000 $185,000 32.1% 0.1%
Wolfe Financial, Inc $185,000 n/a 0.1%
Century Bank of Georgia $735,000 $175,000 -76.2% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $175,000 n/a 0.1%
CREDIT UNION OF GEORGIA $45,000 $165,000 266.7% 0.1%
U.S. Bank $145,000 $160,000 10.3% 0.1%
ACOPIA, LLC $1,095,000 $155,000 -85.8% 0.1%
CSL Financial, LLC $155,000 n/a 0.1%
Fifth Third Bank $155,000 n/a 0.1%
MILEND, INC. $215,000 $155,000 -27.9% 0.1%
AMWEST FUNDING CORP. $145,000 n/a 0.1%
DOMINION FINANCIAL SERVICES, LLC $235,000 $145,000 -38.3% 0.1%
FirstBank $1,075,000 $145,000 -86.5% 0.1%
TRIAD FINANCIAL SERVICES, INC. $840,000 $145,000 -82.7% 0.1%
LIBERTY HOME MORTGAGE CORPORATION $135,000 n/a 0.1%
LAND HOME FINANCIAL SERVICES, INC. $125,000 n/a 0.1%
Cornerstone First Mortgage, Inc $115,000 n/a 0.1%
River City Bank $135,000 $115,000 -14.8% 0.1%
DELTA COMMUNITY CREDIT UNION $60,000 $95,000 58.3% 0.1%
FINANCE OF AMERICA REVERSE LLC $95,000 n/a 0.1%
The Loan Store, Inc. $95,000 n/a 0.1%
State Department Federal Credit Union $75,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $100,000 $65,000 -35.0% 0.0%
Bank of America $285,000 $55,000 -80.7% 0.0%
GEORGIA UNITED $45,000 n/a 0.0%
First Volunteer Bank $35,000 n/a 0.0%
JUSTICE Federal Credit Union $35,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $35,000 n/a 0.0%
Bank OZK $25,000 n/a 0.0%

Cedartown's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 7.1% market share. In second place, with 6.4%, is QUICKEN LOANS, LLC, having originated $9,950,000 in loans. In third place, with 4.9%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $7,525,000 in loans. In fourth place, with 4.6%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $7,185,000 in loans. In fifth place, with 4.2%, is VANDERBILT MORTGAGE AND FINANCE, INC., having originated $6,575,000 in loans.

Cedartown, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 447 $105,975,000 $237,081
Cash Out Refi 129 $22,785,000 $176,628
Other 98 $7,180,000 $73,265
Refi 78 $16,020,000 $205,385
Home Improvement 35 $2,875,000 $82,143

Cedartown's most frequently cited loan purpose was Home Purchase, with 447 originations. The 2nd most popular reason was Cash Out Refi, with 129 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 327 $75,935,000 $232,217
Over 8% 172 $19,440,000 $113,023
7-8% 139 $29,055,000 $209,029
5-6% 108 $25,090,000 $232,315
<2.5% 12 $110,000 $9,167
4-5% 5 $1,435,000 $287,000
3-4% 2 $570,000 $285,000

During 2024, Cedartown's most frequently originated rate bucket was 6-7%, with 327 originations.

Loan Sizing (Cedartown, GA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 304 $82,400,000 $271,053
$100k-200k 268 $41,120,000 $153,433
$100,000 or less 170 $8,750,000 $51,471
$400k-600k 37 $17,465,000 $472,027
$600k-1000k 8 $5,100,000 $637,500

Cedartown's loan sizing saw the bucket of loans from $200k-400k with 304 originations, totaling $82,400,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 349 $90,135,000 $258,266
60-80% 142 $31,220,000 $219,859
Under 20% 92 $3,270,000 $35,543
20-40% 85 $8,675,000 $102,059
40-60% 71 $11,905,000 $167,676
Over 100% 15 $3,855,000 $257,000

Cedartown's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 349 originations, totaling $90,135,000 in origination value.