Mortgage Lenders and Brokers in Clarkesville, 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
Clarkesville, Georgia mortgage lenders include Pinnacle BankPinnacle Bank111 Southern Bank Dr, Clarkesville, GA 30523A+5.0 ★Texas Ratio: 3.22%, United Community BankUnited Community Bank468 W Louise St, Clarkesville, GA 30523A+5.0 ★Texas Ratio: 2.97%, Southstate Bank, National AssociationSouthstate Bank, National Association949 Washington St, Clarkesville, GA 30523A+5.0 ★Texas Ratio: 2.27%, Regions BankRegions Bank1210 Washington St, Clarkesville, GA 30523A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank301 W 4th St, Adel, GA 31620A+5.0 ★Texas Ratio: 4.72%, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, Georgia'S Own Credit UnionGeorgia'S Own Credit Union2101 Rosebrier Ave, Albany, GA 31705A5.0 ★Texas Ratio: 7.35%, Wells Fargo Bank NAWells Fargo Bank NA3334 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3350 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 3.68%, and Capital City Home Loans, LLCCapital City Home Loans, LLC420 N Broad St, Cairo, GA 39828A+5.0 ★Texas Ratio: 2.55%. 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 Clarkesville, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Clarkesville 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 Clarkesville, Georgia
Market share is the lender's share of all home loans closed in Clarkesville, 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 Clarkesville 111 Southern Bank Dr, Clarkesville, GA 30523 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 15 | 5.8% | 78.9% | $171,666 | View |
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1 office in Clarkesville 468 W Louise St, Clarkesville, GA 30523 A+5.0 ★Texas Ratio: 2.97% |
Conventional, USDA, HELOC | 7 +20 HELOCs |
2.7% | 58.3% | $227,857 | View |
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★ 5 stars, 1 review 1 office in Clarkesville 949 Washington St, Clarkesville, GA 30523 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 5 +8 HELOCs |
1.9% | 71.4% | $205,000 | View |
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1 office in Clarkesville 1210 Washington St, Clarkesville, GA 30523 A+5.0 ★Texas Ratio: 4.37% |
Conventional, VA, HELOC | 3 +3 HELOCs |
1.2% | 100% | $158,333 | View |
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301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 9 | 3.5% | 100% | $371,666 | View |
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★ 4 stars, 1 review 5895 Jeff Davis Ln Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 5 | 1.9% | 100% | $261,000 | View |
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2101 Rosebrier Ave, Albany, GA 31705 A5.0 ★Texas Ratio: 7.35% |
Conventional, HELOC | 2 +1 HELOCs |
0.8% | 100% | $135,000 | View |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.8% | 100% | $140,000 | View |
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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 0.4% | 100% | $445,000 | View |
Peach State Bank and Trust
1502 Friendship Rd, Braselton, GA 30517 |
Conventional | 1 | 0.4% | 100% | $105,000 | |
Atlanta Postal Credit Union
3916 Tradeport Blvd, Atlanta, GA 30354 |
Conventional | 1 | 0.4% | 100% | $45,000 | |
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10865 Haynes Bridge Rd, Alpharetta, GA 30022 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.4% | 100% | $315,000 | View |
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704 N Westover Blvd, Albany, GA 31707 A5.0 ★Texas Ratio: 6.55% |
Conventional | 1 | 0.4% | 100% | $455,000 | View |
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155 Hawthorne Park, Athens, GA 30606 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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190 Gaines School Rd, Athens, GA 30605 3118 A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 3402 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Amerisave Mortgage Company
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Conventional | 5 | 1.9% | 50% | $71,000 | |
Loanunited.Com, LLC
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FHA, VA | 2 | 0.8% | 100% | $305,000 | |
BoxCar Mortgage, LLC
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Conventional | 2 | 0.8% | 100% | $290,000 | |
Acu
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $205,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.4% | 100% | $495,000 | |
First Option Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $395,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 29 | 11.2% | 85.3% | $227,758 | |
Homeowners Financial Group, LLC
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Conventional, FHA | 17 | 6.6% | 89.5% | $267,352 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 5.8% | 75% | $298,333 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA, USDA | 11 | 4.2% | 100% | $264,090 | |
Fairway Independent Mort Corp
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Conventional, FHA | 10 | 3.9% | 100% | $218,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 8 | 3.1% | 100% | $332,500 | |
Pennymac Loan Services LLC
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Conventional, FHA | 7 | 2.7% | 87.5% | $173,571 | |
Premier Mortgage Resources, LLC
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Conventional, FHA, VA | 6 | 2.3% | 85.7% | $261,666 | |
Nationstar Mortgage
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Conventional, FHA | 5 | 1.9% | 100% | $257,000 | |
Sente Mortgage, Inc.
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Conventional, FHA | 5 | 1.9% | 100% | $349,000 | |
Everett Financial, Inc.
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Conventional, FHA, VA | 4 | 1.5% | 80% | $177,500 | |
21St Mortgage
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Conventional | 4 | 1.5% | 44.4% | $217,500 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA, Jumbo | 3 | 1.2% | 100% | $451,666 | |
Freedom Mortgage Corporation
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Conventional, VA | 3 | 1.2% | 71.4% | $251,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 1.2% | 100% | $245,000 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 1.2% | 100% | $191,666 | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 3 | 1.2% | 100% | $248,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1.2% | 100% | $195,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA | 3 | 1.2% | 100% | $188,333 | |
New American Funding, LLC.
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FHA, HELOC | 2 +1 HELOCs |
0.8% | 100% | $255,000 | |
Liberty Federal Credit Union
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Conventional, VA | 2 | 0.8% | 100% | $430,000 | |
Lakeview Loan Servicing, LLC
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FHA | 2 | 0.8% | 71.4% | $345,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.8% | 28.6% | $175,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 2 | 0.8% | 100% | $265,000 | |
Union Home Mortgage Corp.
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USDA | 2 | 0.8% | 100% | $315,000 | |
New Day Financial, LLC.
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VA | 2 | 0.8% | 100% | $260,000 | |
Mortgage Research Center
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VA, Jumbo | 2 | 0.8% | 40% | $705,000 | |
Geneva Financial LLC
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Conventional, FHA | 2 | 0.8% | 100% | $345,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $310,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 2 | 0.8% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.4% | 100% | $175,000 | |
Primelending
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Conventional | 1 | 0.4% | 100% | $295,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $265,000 | |
Newrez LLC
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Conventional | 1 | 0.4% | 50% | $315,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.4% | 100% | $285,000 | |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.4% | 100% | $235,000 | View |
loanDepot.com LLC
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Conventional | 1 | 0.4% | 33.3% | $255,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $335,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $255,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.4% | 100% | $185,000 | |
Assurance Financial Group, L.L.C.
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Conventional | 1 | 0.4% | 100% | $125,000 | |
Guaranty Mortgage Services, LLC
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USDA | 1 | 0.4% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 7.12% |
FHA | 1 | 0.4% | 50% | $305,000 | View |
Discover Bank
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Conventional | 1 | 0.4% | 11.1% | $85,000 | |
ClearPath Lending
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VA | 1 | 0.4% | 100% | $315,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.4% | 100% | $235,000 | |
Radius Financial Group Inc
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FHA | 1 | 0.4% | 50% | $195,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
Summit Funding.Inc
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.4% | 100% | $55,000 | View |
Lower, LLC
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FHA | 1 | 0.4% | 100% | $235,000 | |
Southwest Stage Funding LLC
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FHA | 1 | 0.4% | 100% | $255,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.4% | 100% | $35,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 33.3% | $55,000 | |
Village Capital & Investment
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FHA | 1 | 0.4% | 100% | $305,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Bank Ozk
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Clarkesville 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 Clarkesville, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Clarkesville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Clarkesville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Clarkesville, GA
Use these to narrow the list above. Each category shows how many Clarkesville, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Clarkesville, GA
Independent mortgage companies closed 73.4 percent of home loans in Clarkesville, Georgia in 2025, banks 23.2 percent and credit unions 3.5 percent. Amerisave Mortgage Company was the largest mortgage company, Pinnacle Bank the largest bank and Georgia'S Own Credit Union the largest credit union. Among lenders headquartered in Georgia, Pinnacle Bank led with 15 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 Clarkesville, GA
By home loans closed in 2025, Pinnacle Bank was the largest mortgage lender in Clarkesville, Georgia with 15 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
34 lenders closed FHA loans in Clarkesville, Georgia in 2025, led by Fairway Independent Mort Corp with 7. 16 lenders closed VA loans, led by United Wholesale Mortgage, and 5 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. 22 banks and 8 credit unions closed home loans in Clarkesville, Georgia in 2025, alongside 57 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 Clarkesville, 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 Clarkesville, 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 Clarkesville. 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.
