Dublin Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Dublin averaged
6.98%
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
7.01% and
one month ago for the week of 2025-05-15, the
average rate was 7.08%.
Dublin's average rate one year ago was 6.92%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.31%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Dublin 30 Year Fixed Rate | 2025-06-18 | 6.98% |
| Dublin 30 Year Fixed Rate Refi | 2025-06-18 | 7.31% |
| Dublin 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Dublin 15 Year Fixed Rate Refi | 2025-06-18 | 6.16% |
| Dublin 30 Year FHA | 2025-06-18 | 0% |
| Dublin 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Dublin 30 Year USDA | 2025-06-18 | -0.2% |
| Dublin 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Dublin 30 Year VA | 2025-06-18 | 0% |
| Dublin 30 Year VA Refi | 2025-06-18 | 0.2% |
Dublin 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 Dublin, 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.).
Dublin Average Closing Costs & Other Stats
Dublin, GA's 47 lenders originated 685
loans during 2024. The total origination value was $120,045,000, with an average loan value of
$175,248.
Dublin's average closing costs are $5,469.
The top Dublin lender as defined by loan originations is QUICKEN LOANS, LLC, with
35 loans originated. Their average total fees are
$6,056, which is $218
lower than the next largest lender,
Ameris Bank.
The lowest fee Dublin lenders (with over 10 loans originated) are
UNION HOME MORTGAGE CORP. ($4,548), QUICKEN LOANS, LLC ($6,056), Ameris Bank ($6,273), .
The lowest rate Dublin lenders (with over 10 loans originated) are
Ameris Bank (6.45%), UNION HOME MORTGAGE CORP. (6.80%), QUICKEN LOANS, LLC (6.86%), .
Dublin, 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $14,005,000 | $16,895,000 | 20.6% | 14.1% |
| Bank of Dudley | $6,765,000 | $7,935,000 | 17.3% | 6.6% |
| Ameris Bank | $5,825,000 | $6,645,000 | 14.1% | 5.5% |
| Mortgage Research Center, LLC | $3,985,000 | $6,615,000 | 66.0% | 5.5% |
| ROBINS FINANCIAL | $2,075,000 | $4,425,000 | 113.3% | 3.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,065,000 | $3,765,000 | 82.3% | 3.1% |
| PLANET HOME LENDING, LLC | $1,920,000 | $3,535,000 | 84.1% | 2.9% |
| PLAZA HOME MORTGAGE, INC. | $410,000 | $3,310,000 | 707.3% | 2.8% |
| Morris Bank | $3,250,000 | $2,795,000 | -14.0% | 2.3% |
| PENNYMAC LOAN SERVICES, LLC | $1,455,000 | $2,685,000 | 84.5% | 2.2% |
| UNION HOME MORTGAGE CORP. | $270,000 | $2,390,000 | 785.2% | 2.0% |
| GUILD MORTGAGE COMPANY | $170,000 | $2,220,000 | 1,205.9% | 1.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,265,000 | $2,200,000 | -2.9% | 1.8% |
| BROKER SOLUTIONS, INC. | $875,000 | $2,075,000 | 137.1% | 1.7% |
| Renasant Bank | $845,000 | $1,905,000 | 125.4% | 1.6% |
| NAVY FEDERAL CREDIT UNION | $1,015,000 | $1,895,000 | 86.7% | 1.6% |
| AgFirst Farm Credit Bank | $125,000 | $1,810,000 | 1,348.0% | 1.5% |
| Alcova Mortgage LLC | $340,000 | $1,745,000 | 413.2% | 1.5% |
| 21ST MORTGAGE CORPORATION | $2,920,000 | $1,730,000 | -40.8% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $765,000 | $1,685,000 | 120.3% | 1.4% |
| GEORGIA UNITED | $1,485,000 | $1,685,000 | 13.5% | 1.4% |
| Flagstar Bank, FSB | $1,570,000 | $1,380,000 | -12.1% | 1.1% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $280,000 | $1,215,000 | 333.9% | 1.0% |
| FIRST COLONY MORTGAGE CORPORATION | $325,000 | $1,085,000 | 233.8% | 0.9% |
| LOANDEPOT.COM, LLC | $730,000 | $1,030,000 | 41.1% | 0.9% |
| Colony Bank | $2,330,000 | $985,000 | -57.7% | 0.8% |
| VILLAGE CAPITAL MORTGAGE | $930,000 | n/a | 0.8% | |
| AmeriHome Mortgage Company, LLC | $205,000 | $915,000 | 346.3% | 0.8% |
| NEWREZ LLC | $1,105,000 | $855,000 | -22.6% | 0.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $225,000 | $830,000 | 268.9% | 0.7% |
| Capital City Home Loans, LLC | $95,000 | $755,000 | 694.7% | 0.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $115,000 | $740,000 | 543.5% | 0.6% |
| Carrington Mortgage Services, LLC | $210,000 | $675,000 | 221.4% | 0.6% |
| NEW DAY FINANCIAL, LLC | $115,000 | $665,000 | 478.3% | 0.6% |
| Capital City Bank | $585,000 | $630,000 | 7.7% | 0.5% |
| SIRVA MORTGAGE, INC. | $630,000 | n/a | 0.5% | |
| Mr. Cooper ( Nationstar Mortgage ) | $750,000 | $615,000 | -18.0% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,005,000 | $610,000 | -69.6% | 0.5% |
| Wells Fargo Bank | $640,000 | $590,000 | -7.8% | 0.5% |
| Northpointe Bank | $845,000 | $565,000 | -33.1% | 0.5% |
| Century Mortgage Company DBA Century Lending Company | $545,000 | n/a | 0.5% | |
| AMERISAVE MORTGAGE CORPORATION | $505,000 | $525,000 | 4.0% | 0.4% |
| City National Bank of Florida | $525,000 | n/a | 0.4% | |
| PNC Bank | $85,000 | $520,000 | 511.8% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $470,000 | $475,000 | 1.1% | 0.4% |
| Barrington Bank & Trust Company, N.A. | $205,000 | $470,000 | 129.3% | 0.4% |
| NORWICH COMMERCIAL GROUP, INC. | $470,000 | n/a | 0.4% | |
| USAA Federal Savings Bank | $355,000 | $430,000 | 21.1% | 0.4% |
| BOKF | $405,000 | n/a | 0.3% | |
| THE MORTGAGE FIRM, INC. | $405,000 | n/a | 0.3% | |
| Truist | $295,000 | $390,000 | 32.2% | 0.3% |
| GENEVA FINANCIAL, LLC | $385,000 | n/a | 0.3% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $185,000 | $380,000 | 105.4% | 0.3% |
| LOANPAL, LLC | $370,000 | n/a | 0.3% | |
| PENTAGON FEDERAL CREDIT UNION | $445,000 | $365,000 | -18.0% | 0.3% |
| STOCKTON MORTGAGE CORPORATION | $365,000 | n/a | 0.3% | |
| Loan Simple, Inc. | $355,000 | n/a | 0.3% | |
| AMERICAN FINANCING CORPORATION | $345,000 | n/a | 0.3% | |
| FirstBank | $345,000 | n/a | 0.3% | |
| TRIAD FINANCIAL SERVICES, INC. | $210,000 | $335,000 | 59.5% | 0.3% |
| U.S. Bank | $320,000 | n/a | 0.3% | |
| ZILLOW HOME LOANS, LLC | $320,000 | n/a | 0.3% | |
| GARDNER FINANCIAL SERVICES, LTD. | $320,000 | $315,000 | -1.6% | 0.3% |
| T2 FINANCIAL LLC | $315,000 | n/a | 0.3% | |
| TOWNE MORTGAGE COMPANY | $975,000 | $305,000 | -68.7% | 0.3% |
| FBC MORTGAGE, LLC | $295,000 | n/a | 0.2% | |
| Oconee State Bank | $265,000 | $295,000 | 11.3% | 0.2% |
| Equity Prime Mortgage LLC | $285,000 | n/a | 0.2% | |
| CALCON MUTUAL MORTGAGE LLC | $255,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $255,000 | n/a | 0.2% | |
| ACOPIA, LLC | $230,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $125,000 | $230,000 | 84.0% | 0.2% |
| Discover Bank | $85,000 | $230,000 | 170.6% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $230,000 | n/a | 0.2% | |
| LIMA ONE CAPITAL, LLC | $105,000 | $230,000 | 119.0% | 0.2% |
| Magnolia Bank | $65,000 | $225,000 | 246.2% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $225,000 | n/a | 0.2% | |
| United Community Bank | $225,000 | n/a | 0.2% | |
| Farmers & Merchants Bank | $220,000 | n/a | 0.2% | |
| First Reliance Bank | $105,000 | $215,000 | 104.8% | 0.2% |
| INSPIRE HOME LOANS INC. | $215,000 | n/a | 0.2% | |
| AMWEST FUNDING CORP. | $205,000 | n/a | 0.2% | |
| CityWorth Mortgage LLC | $205,000 | n/a | 0.2% | |
| S1L, Inc. | $205,000 | n/a | 0.2% | |
| LEGEND LENDING CORPORATION | $185,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $185,000 | n/a | 0.2% | |
| MILEND, INC. | $185,000 | n/a | 0.2% | |
| Prosperity Home Mortgage, LLC | $645,000 | $185,000 | -71.3% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $185,000 | n/a | 0.2% | |
| First-Citizens Bank & Trust Company | $175,000 | n/a | 0.1% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $175,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $175,000 | n/a | 0.1% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $175,000 | n/a | 0.1% | |
| FIRST COMMUNITY MORTGAGE, INC. | $640,000 | $170,000 | -73.4% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $550,000 | $165,000 | -70.0% | 0.1% |
| Queensborough National Bank & Trust Company | $165,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $470,000 | $165,000 | -64.9% | 0.1% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $165,000 | $155,000 | -6.1% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $365,000 | $155,000 | -57.5% | 0.1% |
| NEXERA HOLDING LLC | $155,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $155,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $1,040,000 | $145,000 | -86.1% | 0.1% |
| First Heritage Mortgage, LLC | $145,000 | n/a | 0.1% | |
| 1ST SIGNATURE LENDING, LLC | $135,000 | n/a | 0.1% | |
| Blue Ridge Bank | $335,000 | $135,000 | -59.7% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $135,000 | n/a | 0.1% | |
| Magnolia State Bank | $130,000 | n/a | 0.1% | |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $555,000 | $125,000 | -77.5% | 0.1% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $540,000 | $105,000 | -80.6% | 0.1% |
| CSL Financial, LLC | $105,000 | n/a | 0.1% | |
| SunMark Community Bank | $105,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $65,000 | $95,000 | 46.2% | 0.1% |
| CAPITAL CONCEPTS, INC. | $250,000 | $85,000 | -66.0% | 0.1% |
| Bethpage Federal Credit Union | $75,000 | n/a | 0.1% | |
| CIS Financial Services, Inc. | $140,000 | $75,000 | -46.4% | 0.1% |
| Figure Lending LLC | $155,000 | $75,000 | -51.6% | 0.1% |
| RESIDENTIAL BANCORP | $75,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $75,000 | n/a | 0.1% | |
| Great Oaks Bank | $15,000 | $65,000 | 333.3% | 0.1% |
| South Georgia Bank | $65,000 | n/a | 0.1% | |
| Baxter Credit Union | $55,000 | n/a | 0.0% | |
| Fifth Third Bank | $55,000 | n/a | 0.0% | |
| Talbot State Bank | $55,000 | n/a | 0.0% | |
| JPMorgan Chase Bank | $550,000 | $45,000 | -91.8% | 0.0% |
| United Bank | $35,000 | n/a | 0.0% | |
| Regions Bank | $7,745,000 | $25,000 | -99.7% | 0.0% |
Dublin's top lender by overall market share is QUICKEN LOANS, LLC, with 14.1% market share. In second place, with 6.6%, is Bank of Dudley, having originated $7,935,000 in loans. In third place, with 5.5%, is Ameris Bank, having originated $6,645,000 in loans. In fourth place, with 5.5%, is Mortgage Research Center, LLC, having originated $6,615,000 in loans. In fifth place, with 3.7%, is ROBINS FINANCIAL, having originated $4,425,000 in loans.
Dublin, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 356 | $71,260,000 | $200,169 |
| Refi | 121 | $24,175,000 | $199,793 |
| Cash Out Refi | 109 | $18,095,000 | $166,009 |
| Other | 50 | $3,430,000 | $68,600 |
| Home Improvement | 49 | $3,085,000 | $62,959 |
Dublin's most frequently cited loan purpose was Home Purchase, with 356 originations. The 2nd most popular reason was Refi, with 121 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 238 | $51,070,000 | $214,580 |
| 7-8% | 118 | $22,690,000 | $192,288 |
| 5-6% | 89 | $20,585,000 | $231,292 |
| Over 8% | 88 | $9,570,000 | $108,750 |
| 4-5% | 6 | $1,470,000 | $245,000 |
| <2.5% | 1 | $5,000 | $5,000 |
During 2024, Dublin's most frequently originated rate bucket was 6-7%, with 238 originations.
Loan Sizing (Dublin, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 241 | $35,895,000 | $148,942 |
| $100,000 or less | 211 | $12,165,000 | $57,654 |
| $200k-400k | 205 | $56,595,000 | $276,073 |
| $400k-600k | 25 | $11,965,000 | $478,600 |
| $Over $1MM | 2 | $2,800,000 | $1,400,000 |
| $600k-1000k | 1 | $625,000 | $625,000 |
Dublin's loan sizing saw the bucket of loans from $100k-200k with 241 originations, totaling $35,895,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 306 | $65,840,000 | $215,163 |
| 60-80% | 112 | $24,060,000 | $214,821 |
| 20-40% | 63 | $5,055,000 | $80,238 |
| 40-60% | 36 | $4,480,000 | $124,444 |
| Under 20% | 34 | $1,470,000 | $43,235 |
| Over 100% | 12 | $2,800,000 | $233,333 |
Dublin's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 306 originations, totaling $65,840,000 in origination value.