Mortgage Lenders and Brokers in Alapaha, Georgia
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Alapaha, Georgia mortgage lenders include Farmers and Merchants BankFarmers and Merchants Bank2140 Old Covington Rd Ne, Conyers, GA 30013A-4.9 ★Texas Ratio: 15.86%, Renasant BankRenasant Bank301 W 4th St, Adel, GA 31620A+5.0 ★Texas Ratio: 4.72%, FirstbankFirstbank400 17th St Nw, Atlanta, GA 30363A5.0 ★Texas Ratio: 7.51%, Milend, IncMilend, IncAlpharetta, GA, 21St Mortgage, Vanderbilt Mortgage and Finance, Inc, United Wholesale Mortgage, Rocket Mortgage, Canopy Mortgage, LLC, and Loanpeople, LLC. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Alapaha, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Alapaha are listed first, then lenders elsewhere in Georgia, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Alapaha, Georgia
Market share is the lender's share of all home loans closed in Alapaha, Georgia. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2140 Old Covington Rd Ne, Conyers, GA 30013 A-4.9 ★Texas Ratio: 15.86% |
Conventional | 3 | 17.6% | 75% | $35,000 | View |
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301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72% |
FHA | 1 | 5.9% | 100% | $165,000 | View |
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400 17th St Nw, Atlanta, GA 30363 A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 5.9% | 50% | $105,000 | View |
Milend, Inc
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FHA | 1 | 5.9% | 100% | $135,000 | |
21St Mortgage
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Conventional | 2 | 11.8% | 33.3% | $75,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 11.8% | 66.7% | $75,000 | |
United Wholesale Mortgage
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Conventional | 1 | 5.9% | 100% | $545,000 | |
Rocket Mortgage
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FHA | 1 | 5.9% | 50% | $205,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 5.9% | 100% | $165,000 | |
Loanpeople, LLC
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Conventional | 1 | 5.9% | 100% | $255,000 | |
Mortgage Research Center
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VA | 1 | 5.9% | 50% | $235,000 | |
Mortgage Investors Group
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Conventional | 1 | 5.9% | 100% | $175,000 | |
Five Star Credit Union
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Conventional | 1 | 5.9% | 100% | $165,000 |
Alapaha Mortgage Rate Trends
Daily average mortgage rates for Georgia compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Alapaha, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Alapaha? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Alapaha in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Alapaha, GA
Use these to narrow the list above. Each category shows how many Alapaha, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Alapaha, GA
Independent mortgage companies closed 64.7 percent of home loans in Alapaha, Georgia in 2025, banks 29.4 percent and credit unions 5.9 percent. Milend, Inc was the largest mortgage company, Farmers and Merchants Bank the largest bank and Five Star Credit Union the largest credit union. Among lenders headquartered in Georgia, Farmers and Merchants Bank led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in Georgia. Real estate transfer tax of $1.00 for the first $1,000 plus $0.10 per $100 (about 0.10 percent), and an intangible recording tax of $1.50 per $500 (0.30 percent) on long-term security deeds, capped at $25,000 per note.
More Georgia Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Alapaha, GA
By home loans closed in 2025, Farmers and Merchants Bank was the largest mortgage lender in Alapaha, Georgia with 3 loans, about 17.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Alapaha, Georgia in 2025, led by Renasant Bank with 1. 1 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 3 banks and 1 credit unions closed home loans in Alapaha, Georgia in 2025, alongside 9 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Alapaha, Georgia during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Alapaha, Georgia for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Alapaha. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
