☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Georgia / Covington

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Covington, Georgia

Content reviewed by

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

Covington, Georgia mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA11160 Highway 142 N, Covington, GA 30014A+5.0 ★Texas Ratio: 5.36%, Pinnacle BankPinnacle Bank6124 Highway 278 Ne, Covington, GA 30014A+5.0 ★Texas Ratio: 3.22%, Affinity BankAffinity Bank8258 Highway 278 Ne, Covington, GA 30014A+5.0 ★Texas Ratio: 2.98%, Truist BankTruist Bank3110 Highway 278 Ne, Covington, GA 30014A+5.0 ★Texas Ratio: 2.87%, Fifth Third Bank, National AssociationFifth Third Bank, National Association2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 3.22%, United Community BankUnited Community Bank9100 Covington Byp, Covington, GA 30014A+5.0 ★Texas Ratio: 2.97%, Southeast Mortgage of Georgia, Inc.Southeast Mortgage of Georgia, Inc.5045 Highway 53, Braselton, GA 30517A+5.0 ★Texas Ratio: 0.06%, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, United BankUnited Bank7200 Highway 278 Ne, Covington, GA 30014A+5.0 ★Texas Ratio: 2.15%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3350 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 3.68%. 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 Covington, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Covington 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 Covington, Georgia

Market share is the lender's share of all home loans closed in Covington, 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
Wells Fargo Bank NA 1 office in Covington 11160 Highway 142 N, Covington, GA 30014 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	8	1.2%	66.7%	$215,000	View
Pinnacle Bank 1 office in Covington 6124 Highway 278 Ne, Covington, GA 30014 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo	7	1%	77.8%	$450,714	View
Affinity Bank 8258 Highway 278 Ne, Covington, GA 30014 A+5.0 ★Texas Ratio: 2.98%	Conventional	5	0.7%	62.5%	$89,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Covington 3110 Highway 278 Ne, Covington, GA 30014 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, HELOC	3 +7 HELOCs	0.4%	100%	$198,333	View
Fifth Third Bank, National Association 2 offices in Covington 2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 3.22%	Conventional	3	0.4%	75%	$178,333	View
United Community Bank 1 office in Covington 9100 Covington Byp, Covington, GA 30014 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +9 HELOCs	0.1%	100%	$65,000	View
Southeast Mortgage of Georgia, Inc. 5045 Highway 53, Braselton, GA 30517 A+5.0 ★Texas Ratio: 0.06%	Conventional, FHA, VA	11	1.6%	100%	$220,454	View
Ameris Bank ★ 4 stars, 1 review 5895 Jeff Davis Ln Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA, VA	8	1.2%	100%	$370,000	View
United Bank 7200 Highway 278 Ne, Covington, GA 30014 A+5.0 ★Texas Ratio: 2.15%	Conventional, HELOC	6 +8 HELOCs	0.9%	77.8%	$330,000	View
JPMorgan Chase Bank, NA 3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	6 +1 HELOCs	0.9%	85.7%	$235,000	View
Regions Bank 4590 Morningside Dr, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.37%	Conventional	4	0.6%	57.1%	$225,000	View
Synovus Bank 3106 Highway 278 Nw, Covington, GA 30014	Conventional, FHA, VA, HELOC	3 +4 HELOCs	0.4%	50%	$301,666
Georgia'S Own Credit Union 2101 Rosebrier Ave, Albany, GA 31705 A5.0 ★Texas Ratio: 7.35%	Conventional, HELOC	3 +1 HELOCs	0.4%	100%	$301,666	View
BankSouth Mortgage Company LLC 3290 Northside Pkwy Nw, Atlanta, GA 30327	FHA, VA	3	0.4%	75%	$215,000
Renasant Bank 301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA	3	0.4%	100%	$238,333	View
Bank of America NA 4460 Cobb Parkway North Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.14%	Conventional	3	0.4%	75%	$245,000	View
Delta Community Credit Union 11575 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 1.24%	Conventional	3	0.4%	75%	$245,000	View
Bank of Madison 153 N Main St, Madison, GA 30650 A+5.0 ★Texas Ratio: 0.12%	Conventional	3	0.4%	100%	$261,666	View
The Commercial Bank 35 N 4th St, Colbert, GA 30628 A+5.0 ★Texas Ratio: 1.44%	Conventional	3	0.4%	100%	$155,000	View
Bank of Monticello 141 E Greene St, Monticello, GA 31064 A+5.0 ★Texas Ratio: 5.63%	Conventional	3	0.4%	100%	$208,333	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3402 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +4 HELOCs	0.3%	100%	$250,000	View
United Bank Va 2775 Old Milton Parkway, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.15%	Conventional	2	0.3%	100%	$335,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 11760 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA	2	0.3%	100%	$265,000	View
Atlanta Postal Credit Union 9130 Hwy 278 NE, Covington, GA 30014	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$375,000
Farmers and Merchants Bank 2140 Old Covington Rd Ne, Conyers, GA 30013 A-4.9 ★Texas Ratio: 15.86%	Conventional	1	0.1%	100%	$105,000	View
Southern First Bank 309 E Paces Ferry Rd Ne, Atlanta, GA 30305 A+5.0 ★Texas Ratio: 3.08%	FHA	1	0.1%	100%	$325,000	View
First National Bank of Waynesboro 626 N Liberty St, Waynesboro, GA 30830	Conventional	1	0.1%	100%	$135,000
Cdc Federal Credit Union 2301 Parklake Dr NE, Atlanta, GA 30345 2912 A+5.0 ★Texas Ratio: 2.99%	Conventional	1	0.1%	100%	$85,000	View
First Peoples Bank 8188 Frank Houser Ave, Columbus, GA 31909 A+5.0 ★Texas Ratio: 0.79%	Conventional	1	0.1%	100%	$255,000	View
Georgia United Credit Union 190 Gaines School Rd, Athens, GA 30605 3118 A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +6 HELOCs	0%	0%		View
Peach State Federal Credit Union 155 Hawthorne Park, Athens, GA 30606 A+5.0 ★Texas Ratio: 2.27%	HELOC	0 +1 HELOCs	0%	n/a		View
Robins Financial Credit Union 2636 Atlanta Hwy, Athens, GA 30606 A+5.0 ★Texas Ratio: 1.27%	HELOC	0 +1 HELOCs	0%	n/a		View
Amerisave Mortgage Company	Conventional, FHA, VA	6	0.9%	35.3%	$188,333
Milend, Inc	Conventional, FHA	4	0.6%	100%	$312,500
First Option Mortgage, LLC	Conventional, FHA	3	0.4%	60%	$255,000
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$125,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$245,000
BoxCar Mortgage, LLC	FHA	1	0.1%	100%	$245,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$305,000
Acu	HELOC	0 +1 HELOCs	0%	0%
Rocket Mortgage	Conventional, FHA, VA	58	8.5%	78.5%	$226,379
United Wholesale Mortgage	Conventional, FHA, VA	44	6.4%	86.3%	$310,909
Trailblazer Mortgage L.L.C.	Conventional, FHA, VA	37	5.4%	92.5%	$320,945
DHI Mortgage Company, LTD.	Conventional, FHA, VA	35	5.1%	79.5%	$385,857
Jet HomeLoans, LP	Conventional, FHA, VA	23	3.4%	88.5%	$349,782
New American Funding, LLC.	Conventional, FHA, VA	18	2.6%	81.8%	$291,111
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	17 +5 HELOCs	2.5%	79.2%	$207,352
Freedom Mortgage Corporation	Conventional, FHA, VA	17	2.5%	77.8%	$274,411
CrossCountry Mortgage, LLC	Conventional, FHA, VA	17	2.5%	90%	$283,823
Pennymac Loan Services LLC	Conventional, FHA, VA	15	2.2%	80%	$269,666
Fairway Independent Mort Corp	Conventional, FHA	15	2.2%	100%	$261,000
Nfm, Inc	Conventional, FHA, VA	14	2%	100%	$301,428
Nationstar Mortgage	Conventional, FHA, VA	13	1.9%	93.3%	$162,692
loanDepot.com LLC	Conventional, FHA, VA	12	1.8%	80%	$199,166
American Pacific Mortgage Corporation	Conventional, FHA, VA	11	1.6%	78.6%	$319,545
Newrez LLC	Conventional, FHA, VA, USDA	10	1.5%	52.6%	$258,000
Guild Mortgage Company	Conventional, FHA, VA	10	1.5%	92.3%	$303,000
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA, VA	10	1.5%	83.3%	$331,000
Mortgage Research Center	VA	8	1.2%	61.5%	$333,750
Acopia, LLC	Conventional, FHA	8	1.2%	100%	$256,250
Everett Financial, Inc.	Conventional, FHA	7	1%	100%	$323,571
Kind Lending, LLC	Conventional, FHA, VA, USDA	7	1%	100%	$246,428
Lakeview Loan Servicing, LLC	Conventional, FHA	6	0.9%	43.8%	$171,666
Planet Home Lending, LLC	Conventional, FHA, VA	6	0.9%	85.7%	$306,666
Zillow Home Loans, LLC	Conventional, FHA	6	0.9%	75%	$343,333
Lower, LLC	Conventional, FHA, VA	6	0.9%	66.7%	$231,666
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, FHA	6	0.9%	85.7%	$276,666	View
Village Capital & Investment	VA	6	0.9%	69.2%	$330,000
Spring Eq, LLC	Conventional, HELOC	5 +2 HELOCs	0.7%	62.5%	$149,000
Guaranty Mortgage Services, LLC	Conventional, VA	5	0.7%	100%	$507,000
Movement Mortgage, LLC	Conventional, FHA	4	0.6%	100%	$315,000
American Financial Network, Inc.	Conventional, FHA, USDA	4	0.6%	100%	$200,000
Success Mortgage Partners, Inc	FHA, USDA	4	0.6%	100%	$272,500
Union Home Mortgage Corp.	Conventional, FHA, USDA	4	0.6%	100%	$310,000
Geneva Financial LLC	Conventional, FHA	4	0.6%	100%	$247,500
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	4	0.6%	100%	$252,500	View
Top Flite Financial, Inc.	Conventional, FHA	4	0.6%	100%	$340,000
The Loan Store, Inc	Conventional, FHA, HELOC	3 +1 HELOCs	0.4%	100%	$301,666
Cornerstone First Mortgage, LLC	FHA, USDA	3	0.4%	100%	$298,333
Guaranteed Rate Affinity, LLC	Conventional, FHA	3	0.4%	100%	$148,333
Primelending	Conventional, FHA	3	0.4%	100%	$111,666
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA	3	0.4%	100%	$325,000	View
AmeriHome Mortgage Company, LLC	FHA	3	0.4%	75%	$311,666
Sun West Mortgage Company, Inc	FHA	3	0.4%	100%	$328,333
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	3	0.4%	100%	$288,333	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, HELOC	2 +1 HELOCs	0.3%	100%	$345,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.38%	Conventional, FHA	2	0.3%	100%	$370,000	View
Diamond Residential Mtg Corp	Conventional, FHA	2	0.3%	100%	$100,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	FHA	2	0.3%	100%	$355,000	View
Cmg Mortgage Inc	Conventional	2	0.3%	100%	$310,000
Discover Bank	Conventional	2	0.3%	20%	$70,000
Homeowners Financial Group, LLC	FHA, VA	2	0.3%	100%	$380,000
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional	2	0.3%	100%	$185,000	View
Better Mortgage Corporation	Conventional, FHA	2	0.3%	66.7%	$340,000
Summit Funding.Inc	Conventional, FHA	2	0.3%	100%	$255,000
Mutual of Omaha Mortgage	Conventional, FHA	2	0.3%	40%	$125,000
Champions Funding, LLC	Conventional	2	0.3%	100%	$465,000
HomeBridge Financial Services, Inc	FHA, HELOC	1 +2 HELOCs	0.1%	50%	$645,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$55,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	FHA	1	0.1%	100%	$395,000	View
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional	1	0.1%	100%	$645,000	View
American Financial Resources LLC	VA	1	0.1%	33.3%	$495,000
Guaranteed Rate, Inc.	FHA	1	0.1%	50%	$225,000
Goodleap, LLC	Conventional	1	0.1%	100%	$175,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$275,000
Loansteady LLC	Conventional	1	0.1%	100%	$215,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$235,000
Resicentral LLC	Conventional	1	0.1%	100%	$305,000
AdvantageFirst Lending Inc	FHA	1	0.1%	100%	$175,000
Assurance Financial Group, L.L.C.	Conventional	1	0.1%	100%	$305,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$235,000
Shelter Home Mortgage, LLC	Conventional	1	0.1%	100%	$215,000
AAFMAA Mortgage Services LLC	FHA	1	0.1%	100%	$485,000
American Financing Corporation	Conventional	1	0.1%	18.8%	$95,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$365,000
Cardinal Financial Company, Li	FHA	1	0.1%	25%	$205,000
New Day Financial, LLC.	VA	1	0.1%	40%	$495,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	50%	$395,000	View
Atlantic Bay Mortgage Group	FHA	1	0.1%	100%	$255,000
Provident Funding Associates	Conventional	1	0.1%	100%	$365,000
Nations Lending Corporation	FHA	1	0.1%	100%	$105,000
Agriculture Federal Credit Union	Conventional	1	0.1%	100%	$55,000
Tjc Mortgage Inc	FHA	1	0.1%	100%	$195,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$685,000
Prosperity Home Mortgage, LLC	FHA	1	0.1%	100%	$225,000
Veritas Funding, LLC	FHA	1	0.1%	100%	$215,000
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$185,000
Right Start Mortgage, Inc	FHA	1	0.1%	100%	$245,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	VA	1	0.1%	100%	$335,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	1	0.1%	100%	$55,000	View
Paramount Residential Mortgage	FHA	1	0.1%	50%	$265,000
Carrington Mortgage Services LLC	VA	1	0.1%	20%	$265,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$45,000	View
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$285,000
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +2 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	0%
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +2 HELOCs	0%	n/a		View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	HELOC	0 +1 HELOCs	0%	n/a		View
First American Bank A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Covington 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 Covington, Georgia

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

Types of Mortgage Lenders in Covington, GA

Use these to narrow the list above. Each category shows how many Covington, GA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 87 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 41 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 12 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 73 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 36 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 6 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 1 lenders. Loans above the conforming limit for higher priced homes Local lenders based in GA 29 lenders headquartered in Georgia, the closest thing to a mortgage lender near you

Who Lends in Covington, GA

Independent mortgage companies closed 79.6 percent of home loans in Covington, Georgia in 2025, banks 16.3 percent and credit unions 4.1 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, Wells Fargo Bank NA the largest bank and Georgia'S Own Credit Union the largest credit union. Among lenders headquartered in Georgia, Pinnacle Bank led with 7 loans.

79.6%

Mortgage companies

16.3%

Banks

4.1%

Credit unions

40%

FHA loans

14%

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 Covington, GA

Who is the largest mortgage lender in Covington, GA?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Covington, Georgia with 8 loans, about 1.2 percent of the market. The largest lender headquartered in Georgia was Pinnacle Bank with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Covington, GA have the highest approval rates?

Among lenders with meaningful volume in Covington, Georgia, Rocket Mortgage approved the highest share of completed applications in 2025 at 78.5 percent, against a 78.8 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 Covington, GA mortgage lenders offer FHA, VA and USDA loans?

73 lenders closed FHA loans in Covington, Georgia in 2025, led by Trailblazer Mortgage L.L.C. with 33. 36 lenders closed VA loans, led by United Wholesale Mortgage, and 6 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.

Are credit unions and local banks included in this Covington, GA lender list?

Yes. 41 banks and 12 credit unions closed home loans in Covington, Georgia in 2025, alongside 87 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 Covington, GA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Covington, 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 Covington, 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 Covington. 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.