Mortgage Lenders and Brokers in Clayton, 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
Clayton, Georgia mortgage lenders include United Community BankUnited Community Bank516 Highway 441 S, Clayton, GA 30525A+5.0 ★Texas Ratio: 2.97%, First American BankFirst American Bank550 Highway 441 S, Clayton, GA 30525A+5.0 ★Texas Ratio: 0.01%, Southstate Bank, National AssociationSouthstate Bank, National Association174 Highway 441 N, Clayton, GA 30525A+5.0 ★Texas Ratio: 2.27%, Regions BankRegions Bank178 E Savannah St, Clayton, GA 30525A+5.0 ★Texas Ratio: 4.37%, Oconee Federal Savings and Loan AssociationOconee Federal Savings and Loan Association221 Highway 76 E, Clayton, GA 30525A+5.0 ★Texas Ratio: 1.96%, Renasant BankRenasant Bank301 W 4th St, Adel, GA 31620A+5.0 ★Texas Ratio: 4.72%, Synovus BankSynovus Bank2102 E Oglethorpe Blvd, Albany, GA 31705, Bank of America NABank of America NA4460 Cobb Parkway North Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank3340 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 2.87%, and Georgia'S Own Credit UnionGeorgia'S Own Credit Union2101 Rosebrier Ave, Albany, GA 31705A5.0 ★Texas Ratio: 7.35%. 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 Clayton, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Clayton 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 Clayton, Georgia
Market share is the lender's share of all home loans closed in Clayton, 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 Clayton 516 Highway 441 S, Clayton, GA 30525 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 6 +11 HELOCs |
5.4% | 50% | $238,333 | View |
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1 office in Clayton 550 Highway 441 S, Clayton, GA 30525 A+5.0 ★Texas Ratio: 0.01% |
Conventional | 4 | 3.6% | 100% | $300,000 | View |
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★ 5 stars, 1 review 1 office in Clayton 174 Highway 441 N, Clayton, GA 30525 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA, Jumbo, HELOC | 3 +3 HELOCs |
2.7% | 100% | $595,000 | View |
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1 office in Clayton 178 E Savannah St, Clayton, GA 30525 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 2 +3 HELOCs |
1.8% | 100% | $310,000 | View |
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1 office in Clayton 221 Highway 76 E, Clayton, GA 30525 A+5.0 ★Texas Ratio: 1.96% |
Conventional | 1 | 0.9% | 100% | $215,000 | View |
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301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, VA, USDA | 13 | 11.6% | 100% | $313,461 | View |
Synovus Bank
2102 E Oglethorpe Blvd, Albany, GA 31705 |
Conventional, Jumbo | 3 | 2.7% | 100% | $1,001,666 | |
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4460 Cobb Parkway North Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
1.8% | 100% | $1,295,000 | View |
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★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
0.9% | 100% | $2,475,000 | View |
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2101 Rosebrier Ave, Albany, GA 31705 A5.0 ★Texas Ratio: 7.35% |
Conventional | 1 | 0.9% | 100% | $145,000 | View |
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300 Galleria Parkway Suites 100 And 350, Atlanta, GA 30339 A5.0 ★Texas Ratio: 8.75% |
Conventional | 1 | 0.9% | 100% | $535,000 | View |
BankSouth Mortgage Company LLC
3290 Northside Pkwy Nw, Atlanta, GA 30327 |
Conventional | 1 | 0.9% | 100% | $425,000 | |
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155 Hawthorne Park, Athens, GA 30606 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.9% | 100% | $505,000 | View |
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11575 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 1.24% |
Conventional | 1 | 0.9% | 100% | $235,000 | View |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.9% | 100% | $585,000 | View |
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1081 Parkway Blvd, Athens, GA 30606 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.9% | 50% | $435,000 | View |
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2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.9% | 100% | $105,000 | View |
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35 N 4th St, Colbert, GA 30628 A+5.0 ★Texas Ratio: 1.44% |
Conventional | 1 | 0.9% | 100% | $205,000 | 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 | 1 | 0.9% | 100% | $805,000 | View |
First Option Mortgage, LLC
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Conventional | 2 | 1.8% | 100% | $230,000 | |
Milend, Inc
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Conventional, FHA | 2 | 1.8% | 100% | $350,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 1 | 0.9% | 100% | $1,205,000 | View |
Amerisave Mortgage Company
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FHA | 1 | 0.9% | 50% | $225,000 | |
BoxCar Mortgage, LLC
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FHA | 1 | 0.9% | 50% | $225,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 16 | 14.3% | 75% | $266,875 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 7 | 6.2% | 77.8% | $426,428 | |
Guild Mortgage Company
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Conventional, VA | 5 | 4.5% | 83.3% | $331,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 2 +2 HELOCs |
1.8% | 66.7% | $435,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 1.8% | 100% | $260,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 1.8% | 100% | $190,000 | |
Sente Mortgage, Inc.
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Conventional, FHA | 2 | 1.8% | 100% | $240,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1.8% | 100% | $245,000 | |
Reliance First Capital, LLC
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Conventional, FHA | 2 | 1.8% | 100% | $220,000 | |
State Employees' Credit Union
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Conventional | 1 | 0.9% | 50% | $295,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $695,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.9% | 50% | $245,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.9% | 100% | $215,000 | |
Assurance Financial Group, L.L.C.
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Conventional | 1 | 0.9% | 100% | $365,000 | |
Schumacher Mortgage LLC
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VA | 1 | 0.9% | 100% | $695,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.9% | 100% | $405,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.9% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.9% | 100% | $235,000 | View |
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C-3.7 ★Texas Ratio: 30.67% |
Conventional, Jumbo | 1 | 0.9% | 100% | $4,025,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.9% | 33.3% | $45,000 | |
Towne Mortgage Company
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VA | 1 | 0.9% | 100% | $465,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $55,000 | |
Iserve Residential Lending
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FHA | 1 | 0.9% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 0.55% |
FHA | 1 | 0.9% | 100% | $135,000 | View |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.9% | 100% | $345,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 0.9% | 100% | $285,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.9% | 100% | $345,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA, Jumbo | 1 | 0.9% | 100% | $865,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.9% | 20% | $255,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Nasa Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Premier America Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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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 |
Clayton 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 Clayton, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Clayton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Clayton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Clayton, GA
Use these to narrow the list above. Each category shows how many Clayton, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Clayton, GA
Independent mortgage companies closed 52.7 percent of home loans in Clayton, Georgia in 2025, banks 42.9 percent and credit unions 4.5 percent. First Option Mortgage, LLC was the largest mortgage company, United Community Bank the largest bank and Georgia'S Own Credit Union the largest credit union. Among lenders headquartered in Georgia, First American Bank led with 4 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 Clayton, GA
By home loans closed in 2025, United Community Bank was the largest mortgage lender in Clayton, Georgia with 6 loans, about 5.4 percent of the market. The largest lender headquartered in Georgia was First American Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Clayton, Georgia in 2025, led by Southstate Bank, National Association with 2. 10 lenders closed VA loans, led by Rocket Mortgage, and 1 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 7 credit unions closed home loans in Clayton, Georgia in 2025, alongside 29 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 Clayton, 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 Clayton, 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 Clayton. 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.
