Cornelia Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Cornelia averaged
6.8%
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
6.83% and
one month ago for the week of 2025-05-15, the
average rate was 6.9%.
Cornelia's average rate one year ago was 7.14%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Cornelia 30 Year Fixed Rate | 2025-06-18 | 6.8% |
| Cornelia 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Cornelia 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Cornelia 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Cornelia 30 Year FHA | 2025-06-18 | 0.16% |
| Cornelia 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Cornelia 30 Year USDA | 2025-06-18 | -0.2% |
| Cornelia 30 Year USDA Refi | 2025-06-18 | 0% |
| Cornelia 30 Year VA | 2025-06-18 | 0.1% |
| Cornelia 30 Year VA Refi | 2025-06-18 | 0.1% |
Cornelia 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 Cornelia, 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.).
Cornelia Average Closing Costs & Other Stats
Cornelia, GA's 82 lenders originated 1,014
loans during 2024. The total origination value was $233,870,000, with an average loan value of
$230,641.
Cornelia's average closing costs are $5,823.
The top Cornelia lender as defined by loan originations is HOMEOWNERS FINANCIAL GROUP USA, LLC, with
36 loans originated. Their average total fees are
$8,195, which is $633
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Cornelia lenders (with over 10 loans originated) are
Renasant Bank ($5,312), United Community Bank ($5,650), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,148), AMERICAN PACIFIC MORTGAGE CORPORATION ($7,434) and UNITED WHOLESALE MORTGAGE, LLC ($8,091).
The lowest rate Cornelia lenders (with over 10 loans originated) are
HOMEOWNERS FINANCIAL GROUP USA, LLC (6.67%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.69%), AMERICAN PACIFIC MORTGAGE CORPORATION (6.71%), SENTE MORTGAGE, INC. (6.72%) and Renasant Bank (6.80%).
Cornelia, 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 |
|---|---|---|---|---|
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $11,920,000 | $20,065,000 | 68.3% | 8.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $10,820,000 | $19,115,000 | 76.7% | 8.2% |
| QUICKEN LOANS, LLC | $11,535,000 | $17,250,000 | 49.5% | 7.4% |
| United Community Bank | $14,215,000 | $12,935,000 | -9.0% | 5.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,850,000 | $8,695,000 | 26.9% | 3.7% |
| South State Bank | $11,295,000 | $8,265,000 | -26.8% | 3.5% |
| Pinnacle Bank | $9,345,000 | $7,845,000 | -16.1% | 3.4% |
| Renasant Bank | $5,545,000 | $7,555,000 | 36.2% | 3.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $6,790,000 | n/a | 2.9% | |
| STOCKTON MORTGAGE CORPORATION | $5,845,000 | $6,675,000 | 14.2% | 2.9% |
| Bethpage Federal Credit Union | $155,000 | $5,155,000 | 3,225.8% | 2.2% |
| UNION HOME MORTGAGE CORP. | $2,060,000 | $4,855,000 | 135.7% | 2.1% |
| SENTE MORTGAGE, INC. | $4,710,000 | n/a | 2.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $4,315,000 | n/a | 1.8% | |
| Regions Bank | $4,555,000 | $4,135,000 | -9.2% | 1.8% |
| Mortgage Research Center, LLC | $3,845,000 | $3,755,000 | -2.3% | 1.6% |
| Ameris Bank | $2,575,000 | $3,455,000 | 34.2% | 1.5% |
| Prosperity Home Mortgage, LLC | $1,425,000 | $3,385,000 | 137.5% | 1.4% |
| MOVEMENT MORTGAGE, LLC | $955,000 | $2,925,000 | 206.3% | 1.3% |
| 21ST MORTGAGE CORPORATION | $2,235,000 | $2,575,000 | 15.2% | 1.1% |
| First Option Mortgage, LLC | $1,930,000 | $2,440,000 | 26.4% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $2,580,000 | $2,395,000 | -7.2% | 1.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $625,000 | $2,265,000 | 262.4% | 1.0% |
| BROKER SOLUTIONS, INC. | $1,695,000 | $2,250,000 | 32.7% | 1.0% |
| GEORGIA'S OWN | $965,000 | $2,215,000 | 129.5% | 0.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,555,000 | $2,065,000 | 32.8% | 0.9% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,185,000 | $2,060,000 | 73.8% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $1,405,000 | $1,875,000 | 33.5% | 0.8% |
| NEWREZ LLC | $480,000 | $1,855,000 | 286.5% | 0.8% |
| EVERETT FINANCIAL, INC. | $930,000 | $1,790,000 | 92.5% | 0.8% |
| GUARANTEED RATE, INC. | $3,490,000 | $1,600,000 | -54.2% | 0.7% |
| GUILD MORTGAGE COMPANY | $575,000 | $1,595,000 | 177.4% | 0.7% |
| LOANDEPOT.COM, LLC | $675,000 | $1,560,000 | 131.1% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,205,000 | $1,250,000 | -61.0% | 0.5% |
| Equity Prime Mortgage LLC | $420,000 | $1,185,000 | 182.1% | 0.5% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $1,175,000 | n/a | 0.5% | |
| PEACH STATE FEDERAL CREDIT UNION | $1,410,000 | $1,115,000 | -20.9% | 0.5% |
| Truist | $1,710,000 | $1,115,000 | -34.8% | 0.5% |
| ACOPIA, LLC | $1,650,000 | $1,080,000 | -34.5% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $1,615,000 | $1,010,000 | -37.5% | 0.4% |
| Mid-Continent Funding, Inc. | $590,000 | $935,000 | 58.5% | 0.4% |
| NEW DAY FINANCIAL, LLC | $510,000 | $915,000 | 79.4% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $725,000 | $840,000 | 15.9% | 0.4% |
| Keystone Funding, Inc. | $825,000 | n/a | 0.4% | |
| Century Mortgage Company DBA Century Lending Company | $750,000 | n/a | 0.3% | |
| Fifth Third Bank | $745,000 | n/a | 0.3% | |
| JPMorgan Chase Bank | $145,000 | $730,000 | 403.4% | 0.3% |
| Wells Fargo Bank | $1,305,000 | $695,000 | -46.7% | 0.3% |
| Waterstone Mortgage Corporation | $685,000 | n/a | 0.3% | |
| Capital City Home Loans, LLC | $1,705,000 | $680,000 | -60.1% | 0.3% |
| CARDINAL FINANCIAL | $145,000 | $660,000 | 355.2% | 0.3% |
| Carrington Mortgage Services, LLC | $765,000 | $645,000 | -15.7% | 0.3% |
| Figure Lending LLC | $660,000 | $630,000 | -4.5% | 0.3% |
| Bank of America | $1,415,000 | $625,000 | -55.8% | 0.3% |
| MEMBER FIRST MORTGAGE, LLC | $620,000 | n/a | 0.3% | |
| RUOFF MORTGAGE COMPANY, INC. | $600,000 | n/a | 0.3% | |
| First Federal Bank | $635,000 | $595,000 | -6.3% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $570,000 | n/a | 0.2% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $235,000 | $570,000 | 142.6% | 0.2% |
| Farmers Bank & Trust | $555,000 | n/a | 0.2% | |
| GEORGIA UNITED | $640,000 | $555,000 | -13.3% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $315,000 | $550,000 | 74.6% | 0.2% |
| Discover Bank | $540,000 | $540,000 | 0.0% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $400,000 | $540,000 | 35.0% | 0.2% |
| Plains Commerce Bank | $540,000 | n/a | 0.2% | |
| DELTA COMMUNITY CREDIT UNION | $535,000 | n/a | 0.2% | |
| GMFS LLC | $915,000 | $525,000 | -42.6% | 0.2% |
| Morgan Stanley Private Bank | $680,000 | $525,000 | -22.8% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $205,000 | $515,000 | 151.2% | 0.2% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | $315,000 | $505,000 | 60.3% | 0.2% |
| The Federal Savings Bank | $500,000 | n/a | 0.2% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $485,000 | n/a | 0.2% | |
| CRESCENT MORTGAGE COMPANY | $485,000 | n/a | 0.2% | |
| MILEND, INC. | $470,000 | n/a | 0.2% | |
| Third Federal Savings and Loan Association of Cleveland | $55,000 | $470,000 | 754.5% | 0.2% |
| Dollar Bank, Federal Savings Bank | $455,000 | n/a | 0.2% | |
| Magnolia Bank | $450,000 | n/a | 0.2% | |
| SUMMIT FUNDING, INC. | $450,000 | n/a | 0.2% | |
| TOWNE MORTGAGE COMPANY | $450,000 | n/a | 0.2% | |
| Loan Simple, Inc. | $445,000 | $445,000 | 0.0% | 0.2% |
| Flagstar Bank, FSB | $700,000 | $435,000 | -37.9% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $415,000 | n/a | 0.2% | |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $800,000 | $405,000 | -49.4% | 0.2% |
| LGE COMMUNITY | $385,000 | n/a | 0.2% | |
| SWBC MORTGAGE CORPORATION | $375,000 | n/a | 0.2% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $365,000 | n/a | 0.2% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $385,000 | $365,000 | -5.2% | 0.2% |
| CLEARPATH LENDING | $355,000 | n/a | 0.2% | |
| RELIANCE FIRST CAPITAL, LLC | $135,000 | $350,000 | 159.3% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $345,000 | n/a | 0.1% | |
| Assurance Financial Group, L.L.C. | $915,000 | $345,000 | -62.3% | 0.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $765,000 | $340,000 | -55.6% | 0.1% |
| Citizens Bank | $410,000 | $340,000 | -17.1% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $175,000 | $340,000 | 94.3% | 0.1% |
| AMERICAN FINANCING CORPORATION | $335,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $335,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $335,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $375,000 | $335,000 | -10.7% | 0.1% |
| US MORTGAGE CORPORATION | $205,000 | $335,000 | 63.4% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $330,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $1,165,000 | $325,000 | -72.1% | 0.1% |
| CANOPY MORTGAGE, LLC | $315,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $850,000 | $315,000 | -62.9% | 0.1% |
| T2 FINANCIAL LLC | $315,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $305,000 | $305,000 | 0.0% | 0.1% |
| HALLCO COMMUNITY CREDIT UNION | $450,000 | $305,000 | -32.2% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $295,000 | $305,000 | 3.4% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $305,000 | n/a | 0.1% | |
| AUGUSTA MORTGAGE CO. | $275,000 | n/a | 0.1% | |
| FirstBank | $275,000 | n/a | 0.1% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $275,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $295,000 | $275,000 | -6.8% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $260,000 | n/a | 0.1% | |
| Blue Ridge Bank | $255,000 | n/a | 0.1% | |
| First Horizon Bank | $255,000 | n/a | 0.1% | |
| Georgia Community Bank | $255,000 | n/a | 0.1% | |
| Old National Bank | $255,000 | n/a | 0.1% | |
| PANORAMA MORTGAGE GROUP, LLC | $255,000 | n/a | 0.1% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $205,000 | $235,000 | 14.6% | 0.1% |
| SPRING EQ, LLC | $200,000 | $235,000 | 17.5% | 0.1% |
| Countybank | $225,000 | n/a | 0.1% | |
| Wolfe Financial, Inc | $225,000 | n/a | 0.1% | |
| Evolve Bank & Trust | $215,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $215,000 | n/a | 0.1% | |
| FLAT BRANCH MORTGAGE, INC. | $205,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $205,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $205,000 | n/a | 0.1% | |
| Kwik Mortgage Corporation | $195,000 | n/a | 0.1% | |
| OCMBC, INC. | $195,000 | n/a | 0.1% | |
| NBKC BANK | $255,000 | $185,000 | -27.5% | 0.1% |
| PHH Mortgage Corporation | $185,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $905,000 | $175,000 | -80.7% | 0.1% |
| U.S. Bank | $170,000 | n/a | 0.1% | |
| Ally Bank | $165,000 | n/a | 0.1% | |
| MORTGAGE INVESTORS GROUP, INC. | $460,000 | $165,000 | -64.1% | 0.1% |
| PLANTERS FIRST BANK | $160,000 | n/a | 0.1% | |
| NATIONS DIRECT MORTGAGE, LLC | $155,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $175,000 | $155,000 | -11.4% | 0.1% |
| Hometown Equity Mortgage, LLC | $145,000 | n/a | 0.1% | |
| NexBank | $855,000 | $145,000 | -83.0% | 0.1% |
| CSL Financial, LLC | $135,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $115,000 | n/a | 0.0% | |
| Mortgage Assurance Inc. | $115,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $115,000 | n/a | 0.0% | |
| APCO EMPLOYEES | $255,000 | $105,000 | -58.8% | 0.0% |
| Bell Bank | $65,000 | $105,000 | 61.5% | 0.0% |
| Commerce Home Mortgage, Inc. | $105,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $215,000 | $100,000 | -53.5% | 0.0% |
| NFM, INC. | $275,000 | $85,000 | -69.1% | 0.0% |
| BMO Harris Bank | $75,000 | n/a | 0.0% | |
| The First, A National Banking Association | $75,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $65,000 | n/a | 0.0% | |
| Bank OZK | $530,000 | $65,000 | -87.7% | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $635,000 | $65,000 | -89.8% | 0.0% |
| First National Bank of America | $65,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $55,000 | n/a | 0.0% | |
| FAMILY SAVINGS | $55,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $35,000 | n/a | 0.0% |
Cornelia's top lender by overall market share is HOMEOWNERS FINANCIAL GROUP USA, LLC, with 8.6% market share. In second place, with 8.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $19,115,000 in loans. In third place, with 7.4%, is QUICKEN LOANS, LLC, having originated $17,250,000 in loans. In fourth place, with 5.5%, is United Community Bank, having originated $12,935,000 in loans. In fifth place, with 3.7%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $8,695,000 in loans.
Cornelia, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 562 | $163,090,000 | $290,196 |
| Cash Out Refi | 154 | $31,160,000 | $202,338 |
| Home Improvement | 107 | $10,755,000 | $100,514 |
| Refi | 106 | $22,410,000 | $211,415 |
| Other | 85 | $6,455,000 | $75,941 |
Cornelia's most frequently cited loan purpose was Home Purchase, with 562 originations. The 2nd most popular reason was Cash Out Refi, with 154 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 430 | $116,110,000 | $270,023 |
| 7-8% | 220 | $48,540,000 | $220,636 |
| Over 8% | 166 | $18,060,000 | $108,795 |
| 5-6% | 136 | $38,870,000 | $285,809 |
| 4-5% | 8 | $2,720,000 | $340,000 |
| <2.5% | 5 | $255,000 | $51,000 |
During 2024, Cornelia's most frequently originated rate bucket was 6-7%, with 430 originations.
Loan Sizing (Cornelia, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 478 | $133,230,000 | $278,724 |
| $100,000 or less | 235 | $13,105,000 | $55,766 |
| $100k-200k | 198 | $29,670,000 | $149,848 |
| $400k-600k | 83 | $39,175,000 | $471,988 |
| $600k-1000k | 19 | $13,535,000 | $712,368 |
| $Over $1MM | 1 | $5,155,000 | $5,155,000 |
Cornelia's loan sizing saw the bucket of loans from $200k-400k with 478 originations, totaling $133,230,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 373 | $111,805,000 | $299,745 |
| 60-80% | 220 | $68,450,000 | $311,136 |
| Under 20% | 146 | $7,710,000 | $52,808 |
| 20-40% | 120 | $12,420,000 | $103,500 |
| 40-60% | 87 | $18,905,000 | $217,299 |
| Over 100% | 7 | $2,295,000 | $327,857 |
Cornelia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 373 originations, totaling $111,805,000 in origination value.