Mortgage Lenders and Brokers in Carnesville, 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
Carnesville, Georgia mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust9654 Lavonia Rd, Carnesville, GA 30521A5.0 ★Texas Ratio: 7.72%, Pinnacle BankPinnacle Bank1081 Parkway Blvd, Athens, GA 30606A+5.0 ★Texas Ratio: 3.22%, United Bank VaUnited Bank Va2775 Old Milton Parkway, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 2.15%, Oconee Federal Savings and Loan AssociationOconee Federal Savings and Loan Association221 Highway 76 E, Clayton, GA 30525A+5.0 ★Texas Ratio: 1.96%, BankSouth Mortgage Company LLCBankSouth Mortgage Company LLC3290 Northside Pkwy Nw, Atlanta, GA 30327, Southern First BankSouthern First Bank309 E Paces Ferry Rd Ne, Atlanta, GA 30305A+5.0 ★Texas Ratio: 3.08%, Southeast Mortgage of Georgia, Inc.Southeast Mortgage of Georgia, Inc.9535 Lavonia Rd, Carnesville, GA 30521A+5.0 ★Texas Ratio: 0.06%, Wells Fargo Bank NAWells Fargo Bank NA3334 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 5.36%, Colony BankColony Bank2900 Old Dawson Rd, Albany, GA 31721A+5.0 ★Texas Ratio: 4.01%, and Southstate Bank, National AssociationSouthstate Bank, National Association11760 Haynes Bridge Rd, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 2.27%. 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 Carnesville, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carnesville 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 Carnesville, Georgia
Market share is the lender's share of all home loans closed in Carnesville, 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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1 office in Carnesville 9654 Lavonia Rd, Carnesville, GA 30521 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 33.3% | $125,000 | View |
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1081 Parkway Blvd, Athens, GA 30606 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 2 | 2.5% | 50% | $245,000 | View |
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2775 Old Milton Parkway, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 1.2% | 100% | $525,000 | View |
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221 Highway 76 E, Clayton, GA 30525 A+5.0 ★Texas Ratio: 1.96% |
Conventional | 1 | 1.2% | 100% | $125,000 | View |
BankSouth Mortgage Company LLC
3290 Northside Pkwy Nw, Atlanta, GA 30327 |
Conventional | 1 | 1.2% | 100% | $155,000 | |
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309 E Paces Ferry Rd Ne, Atlanta, GA 30305 A+5.0 ★Texas Ratio: 3.08% |
Conventional | 1 | 1.2% | 100% | $445,000 | View |
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9535 Lavonia Rd, Carnesville, GA 30521 A+5.0 ★Texas Ratio: 0.06% |
Conventional | 1 | 1.2% | 100% | $235,000 | View |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.2% | 100% | $345,000 | View |
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2900 Old Dawson Rd, Albany, GA 31721 A+5.0 ★Texas Ratio: 4.01% |
FHA | 1 | 1.2% | 100% | $325,000 | View |
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★ 5 stars, 1 review 11760 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Amerisave Mortgage Company
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Conventional | 1 | 1.2% | 33.3% | $155,000 | |
Milend, Inc
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Conventional | 1 | 1.2% | 100% | $215,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 12.5% | 100% | $305,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 8 | 10% | 80% | $177,500 | |
Homeowners Financial Group, LLC
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Conventional, FHA, USDA | 5 | 6.2% | 100% | $291,000 | |
Union Home Mortgage Corp.
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Conventional | 4 | 5% | 100% | $312,500 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 5% | 100% | $307,500 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 3.8% | 50% | $165,000 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 3.8% | 100% | $205,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 3 | 3.8% | 100% | $291,666 | View |
Newrez LLC
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FHA, VA | 2 | 2.5% | 100% | $230,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 2.5% | 100% | $320,000 | |
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A5.0 ★Texas Ratio: 7.12% |
Conventional, FHA | 2 | 2.5% | 100% | $230,000 | View |
New American Funding, LLC.
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Conventional, FHA | 2 | 2.5% | 66.7% | $200,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $375,000 | |
Premier Mortgage Resources, LLC
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FHA | 1 | 1.2% | 100% | $365,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 1.2% | 100% | $65,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.2% | 100% | $205,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $275,000 | |
Envoy Mortgage, Ltd
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FHA | 1 | 1.2% | 100% | $275,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.2% | 100% | $215,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.2% | 100% | $115,000 | |
Guild Mortgage Company
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FHA | 1 | 1.2% | 100% | $295,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 1.2% | 100% | $455,000 | |
Planet Home Lending, LLC
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FHA | 1 | 1.2% | 100% | $255,000 | |
Geneva Financial LLC
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FHA | 1 | 1.2% | 100% | $235,000 | |
Stockton Mortgage Corporation
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USDA | 1 | 1.2% | 100% | $175,000 | |
Lower, LLC
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FHA | 1 | 1.2% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.2% | 100% | $275,000 | |
21St Mortgage
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Conventional | 1 | 1.2% | 50% | $175,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 1.2% | 100% | $65,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 1.2% | 100% | $445,000 | View |
Spring Eq, LLC
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Conventional | 1 | 1.2% | 50% | $75,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 1.2% | 50% | $195,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Carnesville 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 Carnesville, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Carnesville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carnesville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carnesville, GA
Use these to narrow the list above. Each category shows how many Carnesville, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Carnesville, GA
Independent mortgage companies closed 80 percent of home loans in Carnesville, Georgia in 2025, banks 18.8 percent and credit unions 1.2 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, First Ciitizens Bank and Trust the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Georgia, Pinnacle Bank led with 2 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 Carnesville, GA
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Carnesville, Georgia with 1 loans, about 1.2 percent of the market. The largest lender headquartered in Georgia was Pinnacle Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Carnesville, Georgia in 2025, led by Fairway Independent Mort Corp with 3. 3 lenders closed VA loans, led by United Wholesale Mortgage, and 2 closed USDA rural loans. 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. 14 banks and 2 credit unions closed home loans in Carnesville, Georgia in 2025, alongside 31 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 Carnesville, 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 Carnesville, 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 Carnesville. 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.
