Mortgage Lenders and Brokers in Commerce, 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
Commerce, Georgia mortgage lenders include Regions BankRegions Bank2123 N Elm St, Commerce, GA 30529A+5.0 ★Texas Ratio: 4.37%, United Community BankUnited Community Bank2055 Homer Rd, Commerce, GA 30529A+5.0 ★Texas Ratio: 2.97%, Southstate Bank, National AssociationSouthstate Bank, National Association1851 N Elm St, Commerce, GA 30529A+5.0 ★Texas Ratio: 2.27%, Pinnacle BankPinnacle Bank1981 N Elm St, Commerce, GA 30529A+5.0 ★Texas Ratio: 3.22%, Capital City Home Loans, LLCCapital City Home Loans, LLC420 N Broad St, Cairo, GA 39828A+5.0 ★Texas Ratio: 2.55%, Wells Fargo Bank NAWells Fargo Bank NA3334 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 5.36%, Atlanta Postal Credit UnionAtlanta Postal Credit Union3916 Tradeport Blvd, Atlanta, GA 30354, Fifth Third Bank, National AssociationFifth Third Bank, National Association2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 3.22%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3350 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 3.68%, and BankSouth Mortgage Company LLCBankSouth Mortgage Company LLC3290 Northside Pkwy Nw, Atlanta, GA 30327. 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 Commerce, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Commerce 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 Commerce, Georgia
Market share is the lender's share of all home loans closed in Commerce, 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 Commerce 2123 N Elm St, Commerce, GA 30529 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, USDA, HELOC | 6 +7 HELOCs |
2.1% | 43.8% | $198,333 | View |
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1 office in Commerce 2055 Homer Rd, Commerce, GA 30529 A+5.0 ★Texas Ratio: 2.97% |
Conventional, FHA, HELOC | 3 +15 HELOCs |
1.1% | 37.5% | $185,000 | View |
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★ 5 stars, 1 review 1 office in Commerce 1851 N Elm St, Commerce, GA 30529 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.7% | 100% | $130,000 | View |
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1 office in Commerce 1981 N Elm St, Commerce, GA 30529 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 2 | 0.7% | 75% | $70,000 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
Conventional, FHA | 9 | 3.2% | 90% | $339,444 | View |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 1.8% | 100% | $205,000 | View |
Atlanta Postal Credit Union
3916 Tradeport Blvd, Atlanta, GA 30354 |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $155,000 | |
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2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $55,000 | View |
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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
BankSouth Mortgage Company LLC
3290 Northside Pkwy Nw, Atlanta, GA 30327 |
VA | 1 | 0.4% | 100% | $225,000 | |
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2365 W Broad St, Athens, GA 30606 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
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11575 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 1.24% |
Conventional | 1 | 0.4% | 50% | $135,000 | View |
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30990 Highway 441 S, Commerce, GA 30529 A+5.0 ★Texas Ratio: 0.06% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
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2900 Old Dawson Rd, Albany, GA 31721 A+5.0 ★Texas Ratio: 4.01% |
FHA | 1 | 0.4% | 100% | $325,000 | View |
Synovus Bank
2102 E Oglethorpe Blvd, Albany, GA 31705 |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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190 Gaines School Rd, Athens, GA 30605 3118 A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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% | 0% | View | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 33.3% | $335,000 | View |
Equity Prime Mortgage LLC
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VA | 1 | 0.4% | 50% | $195,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 25% | $125,000 | |
Acu
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Conventional | 1 | 0.4% | 100% | $65,000 | |
First Option Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $265,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, Jumbo, HELOC | 30 +2 HELOCs |
10.7% | 90.9% | $268,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 25 | 8.9% | 89.3% | $197,800 | |
Fairway Independent Mort Corp
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Conventional, FHA | 15 | 5.3% | 100% | $266,333 | |
Freedom Mortgage Corporation
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FHA, VA | 11 | 3.9% | 91.7% | $390,454 | |
Newrez LLC
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Conventional, VA | 9 | 3.2% | 90.9% | $126,111 | |
Homeowners Financial Group, LLC
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Conventional, FHA | 8 | 2.8% | 100% | $301,250 | |
Everett Financial, Inc.
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Conventional, FHA, HELOC | 7 +1 HELOCs |
2.5% | 100% | $210,714 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, USDA | 7 | 2.5% | 77.8% | $279,285 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 6 +1 HELOCs |
2.1% | 85.7% | $156,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 6 | 2.1% | 87.5% | $251,666 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA, USDA | 5 | 1.8% | 83.3% | $287,000 | |
Mortgage Research Center
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VA | 5 | 1.8% | 83.3% | $429,000 | |
Lower, LLC
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Conventional, FHA | 5 | 1.8% | 83.3% | $215,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 5 | 1.8% | 100% | $277,000 | |
American Pacific Mortgage Corporation
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FHA, USDA | 4 | 1.4% | 100% | $295,000 | |
Nationstar Mortgage
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Conventional, FHA | 4 | 1.4% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
FHA, VA | 4 | 1.4% | 80% | $315,000 | View |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 1.1% | 33.3% | $265,000 | |
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A5.0 ★Texas Ratio: 7.12% |
Conventional, FHA | 3 | 1.1% | 100% | $318,333 | View |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 1.1% | 75% | $311,666 | |
Cardinal Financial Company, Li
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Conventional, FHA | 3 | 1.1% | 75% | $228,333 | |
New Day Financial, LLC.
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VA | 3 | 1.1% | 75% | $285,000 | |
Geneva Financial LLC
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VA, USDA | 3 | 1.1% | 100% | $378,333 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA, USDA | 3 | 1.1% | 100% | $385,000 | View |
loanDepot.com LLC
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FHA, VA, HELOC | 2 +1 HELOCs |
0.7% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +1 HELOCs |
0.7% | 66.7% | $380,000 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $165,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.7% | 100% | $85,000 | |
Primelending
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Conventional, FHA | 2 | 0.7% | 100% | $285,000 | |
Goodleap, LLC
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FHA, VA | 2 | 0.7% | 100% | $190,000 | |
Canopy Mortgage, LLC
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Conventional, USDA | 2 | 0.7% | 100% | $230,000 | |
Flexpoint, Inc.
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Conventional | 2 | 0.7% | 100% | $280,000 | |
Calcon Mutual Mortgage LLC
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FHA | 2 | 0.7% | 100% | $290,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.7% | 100% | $405,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.7% | 100% | $205,000 | |
Mortgage Investors Group
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Conventional | 2 | 0.7% | 100% | $315,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.7% | 40% | $220,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.7% | 100% | $65,000 | |
Top Flite Financial, Inc.
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FHA, VA | 2 | 0.7% | 66.7% | $340,000 | |
Village Capital & Investment
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FHA, VA | 2 | 0.7% | 100% | $390,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA, USDA | 2 | 0.7% | 100% | $335,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $135,000 | |
EMM Loans LLC
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Conventional | 1 | 0.4% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.4% | 100% | $325,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.4% | 100% | $285,000 | View |
Bridgeway Lending Partners, LLC
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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 | |
American Financial Network, Inc.
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USDA | 1 | 0.4% | 50% | $375,000 | |
Eustis Mortgage Corp
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FHA | 1 | 0.4% | 100% | $395,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.4% | 100% | $295,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.4% | 100% | $285,000 | |
Stg Mortgage Inc
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FHA | 1 | 0.4% | 100% | $295,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Credence Funding Corporation
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VA | 1 | 0.4% | 100% | $485,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.4% | 100% | $45,000 | |
T2 Financial LLC
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FHA | 1 | 0.4% | 100% | $295,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $215,000 | |
Community Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.4% | 100% | $125,000 | View |
Towne Mortgage Company
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FHA | 1 | 0.4% | 100% | $235,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.4% | 100% | $335,000 | |
Better Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $265,000 | |
Sente Mortgage, Inc.
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FHA | 1 | 0.4% | 100% | $275,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
FHA | 1 | 0.4% | 100% | $355,000 | View |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.4% | 100% | $185,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Mld Mortgage, Inc.Dba the Money Store
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FHA | 1 | 0.4% | 100% | $385,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.4% | 50% | $205,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.4% | 100% | $215,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.4% | 100% | $275,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Southern Energy Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Consumers Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Commerce 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 Commerce, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Commerce? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Commerce in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Commerce, GA
Use these to narrow the list above. Each category shows how many Commerce, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Commerce, GA
Independent mortgage companies closed 81.9 percent of home loans in Commerce, Georgia in 2025, banks 16 percent and credit unions 2.1 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, Regions Bank the largest bank and Atlanta Postal 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 Commerce, GA
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Commerce, Georgia with 6 loans, about 2.1 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.
42 lenders closed FHA loans in Commerce, Georgia in 2025, led by United Wholesale Mortgage with 12. 24 lenders closed VA loans, led by United Wholesale Mortgage, and 10 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 9 credit unions closed home loans in Commerce, Georgia in 2025, alongside 69 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 Commerce, 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 Commerce, 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 Commerce. 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.
