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Mortgage Lenders and Brokers in Athens-Clarke County unified government, Georgia

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Athens-Clarke County unified government, Georgia mortgage lenders include First American BankFirst American Bank300 College Ave, Athens, GA 30601A+5.0 ★Texas Ratio: 0.01%, Regions BankRegions Bank4590 Morningside Dr, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.37%, Oconee State BankOconee State Bank1 Press Pl, Athens, GA 30601B4.5 ★Texas Ratio: 21.44%, Synovus BankSynovus Bank2102 E Oglethorpe Blvd, Albany, GA 31705, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, The Commercial BankThe Commercial Bank35 N 4th St, Colbert, GA 30628A+5.0 ★Texas Ratio: 1.44%, Pinnacle BankPinnacle Bank1081 Parkway Blvd, Athens, GA 30606A+5.0 ★Texas Ratio: 3.22%, BankSouth Mortgage Company LLCBankSouth Mortgage Company LLC3290 Northside Pkwy Nw, Atlanta, GA 30327, Classic City BankClassic City Bank2365 W Broad St, Athens, GA 30606A+5.0 ★Texas Ratio: 0.00%, and Colony BankColony Bank2900 Old Dawson Rd, Albany, GA 31721A+5.0 ★Texas Ratio: 4.01%. 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 Athens-Clarke County unified government, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Athens-Clarke County unified government 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 Athens-Clarke County unified government, Georgia

Market share is the lender's share of all home loans closed in Athens-Clarke County unified government, 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
First American Bank 300 College Ave, Athens, GA 30601 A+5.0 ★Texas Ratio: 0.01%	Conventional, Jumbo	102	7.4%	98.1%	$305,588	View
Regions Bank 4590 Morningside Dr, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, Jumbo, HELOC	70 +14 HELOCs	5.1%	83.7%	$348,000	View
Oconee State Bank 1 Press Pl, Athens, GA 30601 B4.5 ★Texas Ratio: 21.44%	Conventional	70	5.1%	93.3%	$268,142	View
Synovus Bank 2102 E Oglethorpe Blvd, Albany, GA 31705	Conventional, FHA, Jumbo, HELOC	40 +46 HELOCs	2.9%	95.2%	$443,000
Ameris Bank ★ 4 stars, 1 review 5895 Jeff Davis Ln Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA, VA, Jumbo, HELOC	33 +1 HELOCs	2.4%	84.6%	$394,393	View
The Commercial Bank 35 N 4th St, Colbert, GA 30628 A+5.0 ★Texas Ratio: 1.44%	Conventional	30	2.2%	96.8%	$209,333	View
Pinnacle Bank 1081 Parkway Blvd, Athens, GA 30606 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, VA, Jumbo	28	2%	81.1%	$236,785	View
BankSouth Mortgage Company LLC 3290 Northside Pkwy Nw, Atlanta, GA 30327	Conventional, FHA	26	1.9%	90%	$288,846
Classic City Bank 2365 W Broad St, Athens, GA 30606 A+5.0 ★Texas Ratio: 0.00%	Conventional, Jumbo	25	1.8%	100%	$335,800	View
Colony Bank 2900 Old Dawson Rd, Albany, GA 31721 A+5.0 ★Texas Ratio: 4.01%	Conventional, FHA	15	1.1%	100%	$239,666	View
Truist Bank ★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, Jumbo, HELOC	13 +30 HELOCs	0.9%	100%	$258,076	View
Southeast Mortgage of Georgia, Inc. 5045 Highway 53, Braselton, GA 30517 A+5.0 ★Texas Ratio: 0.06%	Conventional, FHA, VA	13	0.9%	100%	$221,923	View
Bank of America NA 4460 Cobb Parkway North Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	12 +24 HELOCs	0.9%	92.3%	$372,500	View
BankSouth 3290 Northside Pkwy Nw, Atlanta, GA 30327 A+5.0 ★Texas Ratio: 4.19%	Conventional, Jumbo	10	0.7%	100%	$347,000	View
Wells Fargo Bank NA 3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36%	Conventional	8	0.6%	61.5%	$201,250	View
JPMorgan Chase Bank, NA 3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo, HELOC	7 +1 HELOCs	0.5%	87.5%	$459,285	View
Capital City Home Loans, LLC 420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55%	Conventional, FHA	7	0.5%	87.5%	$247,857	View
Robins Financial Credit Union 2636 Atlanta Hwy, Athens, GA 30606 A+5.0 ★Texas Ratio: 1.27%	Conventional, HELOC	6 +17 HELOCs	0.4%	77.8%	$225,000	View
Georgia United Credit Union 190 Gaines School Rd, Athens, GA 30605 3118 A+5.0 ★Texas Ratio: 5.53%	Conventional, HELOC	5 +53 HELOCs	0.4%	100%	$249,000	View
United Community Bank 7400 Adairsville Hwy, Adairsville, GA 30103 A+5.0 ★Texas Ratio: 2.97%	Conventional, Jumbo, HELOC	5 +13 HELOCs	0.4%	83.3%	$507,000	View
Credit Union of Georgia 140 Riverstone Pkwy, Canton, GA 30114 6421 A5.0 ★Texas Ratio: 6.49%	Conventional	4	0.3%	100%	$315,000	View
Georgia'S Own Credit Union 2101 Rosebrier Ave, Albany, GA 31705 A5.0 ★Texas Ratio: 7.35%	Conventional, HELOC	3 +2 HELOCs	0.2%	100%	$275,000	View
Delta Community Credit Union 11575 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 1.24%	Conventional, HELOC	3 +2 HELOCs	0.2%	100%	$325,000	View
Renasant Bank 301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA	3	0.2%	100%	$195,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 11760 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.27%	Conventional, Jumbo, HELOC	2 +8 HELOCs	0.1%	66.7%	$955,000	View
Peach State Federal Credit Union 155 Hawthorne Park, Athens, GA 30606 A+5.0 ★Texas Ratio: 2.27%	Conventional, HELOC	2 +4 HELOCs	0.1%	50%	$200,000	View
Thomasville National Bank 100 Island Professional Park, Saint Simons Island, GA 31522 A+5.0 ★Texas Ratio: 2.03%	Conventional	2	0.1%	100%	$740,000	View
Peach State Bank and Trust 1502 Friendship Rd, Braselton, GA 30517	Conventional	2	0.1%	100%	$265,000
F & M Bank 123 Broad Street, Crawfordville, GA 30631 A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$210,000	View
Fifth Third Bank, National Association 2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	1 +3 HELOCs	0.1%	50%	$885,000	View
First Horizon Bank ★ 5 stars, 1 review 2970 Peachtree Rd Nw, Atlanta, GA 30305 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,045,000	View
Pinnacle Bank 2102 E Oglethorpe Blvd, Albany, GA 31705 A+5.0 ★Texas Ratio: 3.04%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$765,000	View
Atlanta Postal Credit Union 3916 Tradeport Blvd, Atlanta, GA 30354	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$375,000
United Bank Va 2775 Old Milton Parkway, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.15%	FHA	1	0.1%	100%	$315,000	View
American Pride Bank 6503 North Point Parkway, Alpharetta, GA 30022 A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0.1%	100%	$175,000	View
Affinity Bank 400 Galleria Pkwy Se, Atlanta, GA 30339 A+5.0 ★Texas Ratio: 2.98%	Conventional	1	0.1%	100%	$305,000	View
Great Oaks Bank 127 S 6th St, Cochran, GA 31014 A+5.0 ★Texas Ratio: 0.71%	Conventional	1	0.1%	100%	$535,000	View
First State Bank of Blakely 2101 N Slappey Blvd, Albany, GA 31701	Conventional	1	0.1%	100%	$365,000
Flint Community Bank 2910 Meredyth Dr, Albany, GA 31721 B+4.7 ★Texas Ratio: 18.53%	Conventional	1	0.1%	100%	$245,000	View
Citizens Community Bank 120 W Main St, Hahira, GA 31632 A-4.6 ★Texas Ratio: 8.29%	Conventional	1	0.1%	100%	$265,000	View
United Bank 2775 Old Milton Parkway, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$545,000	View
Bank of Dudley 200 W Jackson St, Dublin, GA 31021 A+5.0 ★Texas Ratio: 0.93%	Conventional	1	0.1%	100%	$255,000	View
Firstbank 400 17th St Nw, Atlanta, GA 30363 A5.0 ★Texas Ratio: 7.51%	FHA	1	0.1%	100%	$345,000	View
Exchange Bank 4306 Gray Hwy, Gray, GA 31032 A+5.0 ★Texas Ratio: 0.24%	Conventional	1	0.1%	100%	$515,000	View
Georgia Community Bank 704 N Westover Blvd, Albany, GA 31707 A5.0 ★Texas Ratio: 6.55%	Conventional	1	0.1%	100%	$325,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3402 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +3 HELOCs	0%	n/a		View
MyGeorgia Credit Union 205 Collins Industrial Blvd, Athens, GA 30601 A+5.0 ★Texas Ratio: 2.90%	HELOC	0 +2 HELOCs	0%	n/a		View
Cdc Federal Credit Union 2301 Parklake Dr NE, Atlanta, GA 30345 2912 A+5.0 ★Texas Ratio: 2.99%	HELOC	0 +1 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 10865 Haynes Bridge Rd, Alpharetta, GA 30022 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	n/a		View
BoxCar Mortgage, LLC	Conventional, Jumbo	7	0.5%	100%	$532,142
Amerisave Mortgage Company	Conventional	6	0.4%	26.9%	$143,333
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	5	0.4%	55.6%	$173,000	View
First Option Mortgage, LLC	Conventional, FHA	4	0.3%	100%	$240,000
Credit Union Financial Services, LLC	Conventional	3	0.2%	100%	$378,333
Morris Bank	Conventional	2	0.1%	100%	$295,000
Mortgage Assurance Inc	Conventional	2	0.1%	100%	$210,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$805,000	View
Loanunited.Com, LLC	FHA	1	0.1%	100%	$355,000
Acu	Conventional	1	0.1%	100%	$295,000
United Premier Funding LLC	Conventional	1	0.1%	100%	$405,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$345,000
Workmens Circle Credit Union A+5.0 ★Texas Ratio: 0.00%	HELOC	0 +1 HELOCs	0%	n/a		View
Rocket Mortgage	Conventional, FHA, VA	122	8.9%	79.3%	$216,065
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	121 +1 HELOCs	8.8%	87.8%	$314,752
City National Bank of Florida A5.0 ★Texas Ratio: 7.12%	Conventional, FHA, VA, Jumbo	48	3.5%	90.6%	$340,416	View
Fairway Independent Mort Corp	Conventional, FHA	32	2.3%	97%	$264,062
Everett Financial, Inc.	Conventional, FHA, VA	21	1.5%	95.5%	$255,000
Pennymac Loan Services LLC	Conventional, FHA, VA	21	1.5%	81.5%	$272,619
Freedom Mortgage Corporation	Conventional, FHA, VA	19	1.4%	82.6%	$273,421
CrossCountry Mortgage, LLC	Conventional, FHA, VA	19	1.4%	100%	$256,052
loanDepot.com LLC	Conventional, FHA, VA, HELOC	18 +1 HELOCs	1.3%	79.2%	$123,888
Kind Lending, LLC	Conventional, FHA	16	1.2%	84.2%	$419,375
Nationstar Mortgage	Conventional, FHA	16	1.2%	80%	$136,250
Nfm, Inc	Conventional, FHA	15	1.1%	93.8%	$314,333
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	12 +4 HELOCs	0.9%	75%	$234,166
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	11	0.8%	91.7%	$145,000	View
Plaza Home Mortgage, Inc	Conventional, FHA, VA	11	0.8%	73.3%	$255,000
Guild Mortgage Company	Conventional, FHA, VA	10	0.7%	91.7%	$271,000
Mortgage Research Center	VA	10	0.7%	62.5%	$310,000
Acopia, LLC	Conventional, FHA	10	0.7%	100%	$213,000
New American Funding, LLC.	Conventional, FHA, HELOC	8 +1 HELOCs	0.6%	61.5%	$201,250
Provident Funding Associates	Conventional	8	0.6%	100%	$305,000
American Pacific Mortgage Corporation	Conventional, FHA	7	0.5%	87.5%	$257,857
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	6	0.4%	100%	$283,333	View
Movement Mortgage, LLC	Conventional, FHA, HELOC	5 +2 HELOCs	0.4%	100%	$287,000
Newrez LLC	Conventional, FHA, VA, Jumbo	5	0.4%	27.8%	$515,000
American Financial Network, Inc.	Conventional, FHA	5	0.4%	100%	$259,000
Prosperity Home Mortgage, LLC	Conventional, FHA	5	0.4%	62.5%	$333,000
Mutual of Omaha Mortgage	Conventional, VA	5	0.4%	45.5%	$375,000
Lower, LLC	Conventional, FHA	5	0.4%	83.3%	$349,000
Premier Mortgage Resources, LLC	Conventional, FHA	4	0.3%	100%	$157,500
American Financial Resources LLC	Conventional, FHA, VA	4	0.3%	100%	$330,000
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo	4	0.3%	100%	$612,500
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, VA	4	0.3%	80%	$362,500	View
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	4	0.3%	50%	$177,500
Eustis Mortgage Corp	Conventional	4	0.3%	100%	$252,500
Discover Bank	Conventional	4	0.3%	21.1%	$55,000
Zillow Home Loans, LLC	Conventional	4	0.3%	57.1%	$290,000
Village Capital & Investment	FHA, VA	4	0.3%	100%	$282,500
The Loan Store, Inc	Conventional, HELOC	3 +3 HELOCs	0.2%	100%	$278,333
Cornerstone First Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$171,666
Royal United Mortgage LLC	Conventional	3	0.2%	100%	$141,666
AdvantageFirst Lending Inc	FHA, VA	3	0.2%	75%	$248,333
Cardinal Financial Company, Li	Conventional, FHA	3	0.2%	60%	$165,000
Atlantic Bay Mortgage Group	Conventional, VA	3	0.2%	100%	$351,666
Planet Home Lending, LLC	FHA, VA	3	0.2%	60%	$245,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	3	0.2%	100%	$1,311,666	View
21St Mortgage	Conventional	3	0.2%	25%	$241,666
Paramount Residential Mortgage	Conventional, FHA	3	0.2%	100%	$331,666
Vanderbilt Mortgage and Finance, Inc	Conventional	3	0.2%	30.8%	$221,666
Carrington Mortgage Services LLC	Conventional, FHA	3	0.2%	37.5%	$185,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +6 HELOCs	0.1%	100%	$55,000	View
Cadence Bank	Conventional, FHA, HELOC	2 +4 HELOCs	0.1%	100%	$375,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	2	0.1%	100%	$455,000	View
Panorama Mortgage Group, LLC	Conventional	2	0.1%	100%	$325,000
All Credit Considered Mortgage, Inc.	Conventional	2	0.1%	100%	$215,000
PHH Mortgage Corporation	Conventional, VA	2	0.1%	100%	$380,000
United Trust Bank	VA	2	0.1%	100%	$420,000
Filo Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$270,000
Assurance Financial Group, L.L.C.	Conventional	2	0.1%	100%	$245,000
Shelter Home Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$265,000
Homeowners Financial Group, LLC	Conventional, FHA	2	0.1%	66.7%	$245,000
New Day Financial, LLC.	VA	2	0.1%	40%	$270,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.1%	100%	$465,000	View
Stockton Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$235,000
Pentagon Federal Credit Union	Conventional	2	0.1%	50%	$260,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.1%	100%	$270,000	View
Mortgage Solutions of Colorado	VA	2	0.1%	100%	$475,000
Endeavor Capital, LLC	FHA	2	0.1%	100%	$190,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	2	0.1%	100%	$1,020,000	View
Nations Direct Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$305,000
Victory Mortgage, LLC	Conventional	2	0.1%	100%	$275,000
Nexera Holding LLC	Conventional	2	0.1%	66.7%	$285,000
Top Flite Financial, Inc.	Conventional, FHA	2	0.1%	66.7%	$150,000
JMAC Lending, Inc.	Conventional	2	0.1%	100%	$245,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$285,000	View
Spring Eq, LLC	Conventional, HELOC	1 +4 HELOCs	0.1%	16.7%	$105,000
Goodleap, LLC	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$235,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$265,000	View
Cmg Mortgage Inc	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$175,000
Southwest Airlines FCU	Conventional	1	0.1%	100%	$215,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.38%	FHA	1	0.1%	100%	$245,000	View
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$305,000
Meridian Bank C3.9 ★Texas Ratio: 27.97%	VA	1	0.1%	100%	$305,000	View
Msu Federal Credit Union	Conventional	1	0.1%	100%	$445,000
Primelending	Conventional	1	0.1%	100%	$275,000
The Union Bank Company A+5.0 ★Texas Ratio: 0.68%	Conventional	1	0.1%	100%	$315,000	View
Spero Financial Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Success Lending, LLC	Conventional	1	0.1%	100%	$245,000
Canopy Mortgage, LLC	Conventional	1	0.1%	100%	$255,000
Residential Mortgage, LLC A-4.9 ★Texas Ratio: 16.48%	Conventional	1	0.1%	100%	$235,000	View
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$325,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$255,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	33.3%	$335,000
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$95,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$285,000	View
AmWest Funding Corp	Conventional	1	0.1%	100%	$215,000
Guaranty Mortgage Services, LLC	Conventional	1	0.1%	100%	$105,000
Onward Home Mortgage, LLC	FHA	1	0.1%	50%	$225,000
Valon Mortgage	Conventional	1	0.1%	100%	$275,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$325,000	View
Altitude Financial Corporation	Conventional	1	0.1%	100%	$325,000
First Palmetto Bank A+5.0 ★Texas Ratio: 1.16%	Conventional	1	0.1%	100%	$385,000	View
Credit Union Mortgage Associat A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.1%	100%	$255,000	View
American Security Mortgage Cor	Conventional	1	0.1%	100%	$375,000
Flexpoint, Inc.	Conventional, Jumbo	1	0.1%	100%	$905,000
American Financing Corporation	FHA	1	0.1%	25%	$335,000
American Federal Mortgage Corporation A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$225,000	View
Union Home Mortgage Corp.	Conventional	1	0.1%	50%	$315,000
Bay Equity LLC	Conventional	1	0.1%	100%	$425,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$225,000
First Heritage Mortgage, LLC	Conventional	1	0.1%	100%	$375,000
Congressional Federal Credit Union	Conventional	1	0.1%	100%	$55,000
Stg Mortgage Inc	FHA	1	0.1%	100%	$295,000
Credence Funding Corporation	VA	1	0.1%	100%	$335,000
Churchill Mortgage Corporation	FHA	1	0.1%	100%	$435,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$325,000	View
Home Access Financial, LLC	Conventional	1	0.1%	100%	$295,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	50%	$365,000	View
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0.1%	50%	$325,000	View
Nrl Federal Credit Union	Conventional	1	0.1%	100%	$205,000
Member First Mortgage, LLC A+5.0 ★Texas Ratio: 1.12%	Conventional	1	0.1%	50%	$165,000	View
Mission Loans, LLC	Conventional	1	0.1%	100%	$255,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$195,000	View
Towne Mortgage Company	FHA	1	0.1%	100%	$195,000
Iserve Residential Lending	FHA	1	0.1%	100%	$255,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$305,000	View
Bankplus A+5.0 ★Texas Ratio: 4.80%	Conventional	1	0.1%	100%	$175,000	View
Campus USA Credit Union	Conventional	1	0.1%	100%	$275,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$285,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	1	0.1%	100%	$1,875,000	View
VyStar Credit Union	Conventional	1	0.1%	100%	$285,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$195,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$265,000	View
Ark-La-Tex Financial Services LLC	VA	1	0.1%	100%	$285,000
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$205,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	50%	$665,000	View
American Neighborhood Mortgage Acceptance Company	FHA	1	0.1%	100%	$555,000
Figure Lending LLC	HELOC	0 +10 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +4 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Liberty Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Dart Bank	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Wings Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Better Mortgage Corporation	HELOC	0 +1 HELOCs	0%	n/a
Notre Dame Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Athens-Clarke County unified government Mortgage Rate Trends

Daily average mortgage rates for Georgia compared with the national average, updated every evening.

30-Year Fixed GA Avg

7.447%

▲ 0.116 vs 7 days ago

15-Year Fixed GA Avg

7.042%

▲ 0.088 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Athens-Clarke County unified government, Georgia

Looking for mortgage lenders near me or mortgage brokers near me in Athens-Clarke County unified government? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Athens-Clarke County unified government in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Athens-Clarke County unified government, GA

Use these to narrow the list above. Each category shows how many Athens-Clarke County unified government, GA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 109 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 73 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 28 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 66 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 37 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 22 lenders. Loans above the conforming limit for higher priced homes Local lenders based in GA 46 lenders headquartered in Georgia, the closest thing to a mortgage lender near you

Who Lends in Athens-Clarke County unified government, GA

Independent mortgage companies closed 49.7 percent of home loans in Athens-Clarke County unified government, Georgia in 2025, banks 46.6 percent and credit unions 3.6 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, First American Bank the largest bank and Robins Financial Credit Union the largest credit union. Among lenders headquartered in Georgia, First American Bank led with 102 loans.

49.7%

Mortgage companies

46.6%

Banks

3.6%

Credit unions

15%

FHA loans

VA 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

All Georgia lenders 951 lenders Atlanta 389 lenders Savannah 272 lenders Augusta-Richmond County consolidated government 200 lenders Columbus 191 lenders Warner Robins 205 lenders South Fulton 212 lenders Macon-Bibb County 224 lenders Woodstock 221 lenders Marietta 234 lenders Roswell 225 lenders McDonough 187 lenders Smyrna 220 lenders

Frequently Asked Questions About Mortgage Lenders in Athens-Clarke County unified government, GA

Who is the largest mortgage lender in Athens-Clarke County unified government, GA?

By home loans closed in 2025, First American Bank was the largest mortgage lender in Athens-Clarke County unified government, Georgia with 102 loans, about 7.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Athens-Clarke County unified government, GA have the highest approval rates?

Among lenders with meaningful volume in Athens-Clarke County unified government, Georgia, First American Bank approved the highest share of completed applications in 2025 at 98.1 percent, against a 83.3 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Athens-Clarke County unified government, GA mortgage lenders offer FHA, VA and USDA loans?

66 lenders closed FHA loans in Athens-Clarke County unified government, Georgia in 2025, led by United Wholesale Mortgage with 24. 37 lenders closed VA loans, led by United Wholesale Mortgage. 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.

Are credit unions and local banks included in this Athens-Clarke County unified government, GA lender list?

Yes. 73 banks and 28 credit unions closed home loans in Athens-Clarke County unified government, Georgia in 2025, alongside 109 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.

How are mortgage lenders in Athens-Clarke County unified government, GA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Athens-Clarke County unified government, 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 Athens-Clarke County unified government, 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 Athens-Clarke County unified government. 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.