Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Georgia · Hinesville, GA

Long County, GA: mortgages, home buyers & loan limits

What buyers in Long County actually borrowed, earned and paid in 2025, from the official Home Mortgage Disclosure Act records — plus the 2026 conforming and FHA loan limits.

HMDA 2025 data released June 23, 2026 · Loan limits for calendar year 2026

In 2025, lenders reported 487 home-purchase mortgages for owner-occupied, single-family homes in Long County, GA. The median buyer borrowed $295,000 on a home valued at $295,000 and reported a household income of $94,000.

Buyers financed a median 100% of the home's value (roughly 0% down).

Lenders denied 5.8% of completed home-purchase applications.

Conforming limit 2026
$832,750
1-unit home · FHFA
FHA limit 2026
$541,287
1-unit home · HUD
Buyer income
$94,000
U.S. $116,000
30-yr fixed rate
—
Too few loans
Loan costs
—
Too few loans
Denial rate
5.8%
Purchase · U.S. 8.5%

Key facts about Long County mortgages

  • Home buyers' median income ($94,000) is 15% lower than the Georgia median ($110,000).
  • FHA loans made up 9.9% of purchase mortgages, versus 21.1% nationally.
  • VA loans were unusually common: 82.8% of purchase mortgages.
  • 5.3% of buyers put at least 20% down (financed 80% or less), compared with 38.5% nationally.
  • 12.0% of single-family purchase mortgages financed manufactured homes.
  • The most common age bracket among borrowers was 25–34 (42.7% of purchase loans).
  • 73.1% of purchase mortgages had a single borrower with no co-applicant.
  • The most-cited reason for denial was credit history (38.7% of denials with a stated reason).

National rank among 1,994 counties with at least 100 purchase loans: median income of home buyers 976th · median home-purchase loan 658th · purchase application denial rate 1587th. See rankings.

2026 loan limits in Long County

PropertyConforming 2026vs 2025FHA 2026vs 2025
1 unit $832,750 +$26,250 $541,287 +$17,062
2 units $1,066,250 +$33,600 $693,050 +$21,850
3 units $1,288,800 +$40,650 $837,700 +$26,425
4 units $1,601,750 +$50,500 $1,041,125 +$32,825

2026 limits for Long County, GA: conforming (Fannie Mae / Freddie Mac) from FHFA; FHA forward-mortgage limits from HUD. FHA limit is at the national floor for low-cost areas. Loans above the conforming limit are "jumbo" loans.

All Georgia counties: Georgia 2026 loan limits. FHFA and HUD normally announce the next year's limits in late November.

Who bought homes in Long County

Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.

Purchase loans
487
of 533 applications
Buyer income
$94,000
Middle half $77,000–$116,000
Home value
$295,000
Middle half $275,000–$325,000
Loan amount
$295,000
Middle half $275,000–$325,000
Down payment
0%
5.3% put 20%+ down
Single borrower
73.1%
No co-applicant

Values are medians; "middle half" is the 25th to 75th percentile.

Loan type

Conventional 5.1% 25
FHA 9.9% 48
VA 82.8% 403
USDA 2.3% 11

What the homes were for

Primary residence 94.3% 542
Second home 0.9% 5
Investment property 4.9% 28

All first-lien, closed-end purchase mortgages, including second homes and investors.

Borrower age

Under 25 14.4%
25–34 42.7%
35–44 26.3%
45–54 8.2%
55–64 4.7%
65–74 2.7%
75 and over 1.0%

Debt-to-income ratio

Under 20% 0.2%
20–29% 4.5%
30–35% 9.9%
36–42% 24.7%
43–49% 30.0%
50–60% 28.4%
Over 60% 2.3%

Monthly debts (including the new payment) as a share of income, as used in underwriting.

What borrowing cost in Long County

Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.

MeasureLong CountyGeorgiaU.S.
30-year fixed rate · conventional—6.624%6.625%
30-year fixed rate · FHA6.250%6.125%6.250%
30-year fixed rate · VA6.250%6.249%6.125%
15-year fixed rate · conventional—5.750%5.875%
Rate spread vs. APOR · conventional—+0.13 pts+0.13 pts
Total loan costs · conventional—$6,350$5,570
Total loan costs · FHA$12,160$11,920$11,310
Total loan costs · VA$8,010$6,330$6,490
Origination charges (all loan types)$740$2,590$1,860
Borrowers paying discount points48.4%58.3%51.3%
Points paid, when paid (% of loan)0.56%0.91%0.87%
Borrowers receiving lender credits41.8%36.4%33.1%
Adjustable-rate mortgages0.6%4.8%7.4%
Jumbo loans (above conforming limit)0.2%3.2%3.8%

Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.

Approvals and denials

Long County: 31 of 533 completed home-purchase applications were denied (5.8%).

Denial rate

ApplicationLong CountyGeorgiaU.S.
Home purchase5.8%9.9%8.5%
Conventional13.3%8.2%7.1%
FHA7.4%13.7%12.5%
VA5.1%9.0%8.0%
USDA—11.1%12.5%
Refinance15.7%19.8%17.9%
Cash-out refinance40.3%37.4%33.6%

Main reason for purchase denials

Credit history 38.7%
Debt-to-income ratio 25.8%
Collateral (appraisal/property) 12.9%
Other 12.9%
Insufficient cash (down payment/closing costs) 3.2%
Unverifiable information 3.2%
Credit application incomplete 3.2%

First reason the lender reported.

Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.

Refinancing in Long County

Refinances
153
Median loan $295,000
Refi rate
—
30-yr fixed, conv.
Refi loan costs
—
Conventional
Cash-out refis
84
Median loan $245,000
Cash-out rate
—
30-yr fixed, conv.
Cash-out income
$94,000
Median borrower

Top mortgage lenders in Long County

94 lenders originated at least one home-purchase or refinance loan here in 2025. The table ranks them by loan count; pricing columns compare conventional purchase loans only.

#LenderLoansShareDenial rate30-yr rate*Spread*Costs*
1 Veterans United Home Loans 128 17.7% 5.2% — — —
2 United Wholesale Mortgage (UWM) 89 12.3% 5.4% — — —
3 New American Funding 71 9.8% 0.0% — — —
4 Guild Mortgage Company 55 7.6% 0.0% — — —
5 Vanderbilt Mortgage and Finance, Inc. 41 5.7% 0.0% — — —
6 Rocket Mortgage, LLC 35 4.8% — — — —
7 Freedom Mortgage Corporation 32 4.4% — — — —
8 Navy Federal Credit Union 30 4.1% 3.7% — — —
9 LoanUnited.com, LLC 19 2.6% — — — —
10 Pennymac Loan Services, LLC 19 2.6% — — — —
11 Newrez LLC 15 2.1% — — — —
12 Mortgage Solutions of Colorado, LLC 15 2.1% — — — —
13 Village Capital & Investment LLC 10 1.4% — — — —
14 Paramount Residential Mortgage Group, Inc. 8 1.1% — — — —
15 Movement Mortgage, LLC 7 1.0% — — — —
16 Planet Home Lending, LLC 6 0.8% — — — —
17 Equity Prime Mortgage LLC 6 0.8% — — — —
18 Plains Commerce Bank 5 0.7% — — — —
19 Kind Lending, LLC 5 0.7% — — — —
20 Carrington Mortgage Services, LLC 5 0.7% — — — —
21 Rate 5 0.7% — — — —
22 Armed Forces Bank, N.A. 4 0.5% — — — —
23 loanDepot.com, LLC 4 0.5% — — — —
24 Ocmbc, Inc. 4 0.5% — — — —
25 Fairway Independent Mortgage Corporation 4 0.5% — — — —

Lenders in Long County, GA. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).

Check a quote for Long County

Typical effective property-tax rate 0.87% = median real estate taxes ÷ median home value, U.S. Census Bureau ACS 2020–2024 5-year estimates.

Nearby counties

CountyDistancePurchase loansMedian loanBuyer incomeConforming limitFHA limit
Wayne County, GA17 mi175$245,000$90,000$832,750$541,287
Liberty County, GA17 mi946$275,000$85,000$832,750$541,287
Bryan County, GA26 mi878$375,000$129,000$832,750$541,287
Tattnall County, GA28 mi103$215,000$78,000$832,750$541,287
McIntosh County, GA28 mi132$275,000$115,000$832,750$541,287
Evans County, GA29 mi29——$832,750$541,287

Frequently asked questions

What is the 2026 conforming loan limit in Long County?

$832,750 for a one-unit home (FHFA). Two- to four-unit limits are $1,066,250, $1,288,800, $1,601,750. Loans above the limit are jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac.

What is the 2026 FHA loan limit in Long County?

$541,287 for a one-unit home (HUD). This is the national floor for low-cost areas.

How much do home buyers in Long County earn?

The median household income reported on 2025 home-purchase mortgages was $94,000; the middle half of buyers reported $77,000 to $116,000.

How often are mortgage applications denied in Long County?

5.8% of completed home-purchase applications were denied in 2025; the most common stated reason was credit history.

Sources: FFIEC/CFPB HMDA 2025 public loan/application register (Snapshot as of June 1, 2026); FHFA 2026 conforming loan limits; HUD 2026 FHA forward-mortgage limits; U.S. Census Bureau. Figures describe typical 2025 loans, not your offer. Methodology