Mortgage Lenders and Brokers in Elberton, 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
Elberton, Georgia mortgage lenders include Pinnacle BankPinnacle Bank23 College Ave, Elberton, GA 30635A+5.0 ★Texas Ratio: 3.22%, Oconee State BankOconee State Bank6 E Church St, Elberton, GA 30635B4.5 ★Texas Ratio: 21.44%, Regions BankRegions Bank125 Heard St, Elberton, GA 30635A+5.0 ★Texas Ratio: 4.37%, The Commercial BankThe Commercial Bank35 N 4th St, Colbert, GA 30628A+5.0 ★Texas Ratio: 1.44%, BankSouth Mortgage Company LLCBankSouth Mortgage Company LLC3290 Northside Pkwy Nw, Atlanta, GA 30327, BankSouthBankSouth3290 Northside Pkwy Nw, Atlanta, GA 30327A+5.0 ★Texas Ratio: 4.19%, Southstate Bank, National AssociationSouthstate Bank, National Association11760 Haynes Bridge Rd, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 2.27%, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust10865 Haynes Bridge Rd, Alpharetta, GA 30022A5.0 ★Texas Ratio: 7.72%, and Truist BankTruist Bank3340 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 2.87%. 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 Elberton, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elberton 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 Elberton, Georgia
Market share is the lender's share of all home loans closed in Elberton, 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 Elberton 23 College Ave, Elberton, GA 30635 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, USDA | 32 | 18.5% | 89.2% | $88,437 | View |
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1 office in Elberton 6 E Church St, Elberton, GA 30635 B4.5 ★Texas Ratio: 21.44% |
Conventional | 3 | 1.7% | 75% | $121,666 | View |
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1 office in Elberton 125 Heard St, Elberton, GA 30635 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 2 +5 HELOCs |
1.2% | 66.7% | $150,000 | View |
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35 N 4th St, Colbert, GA 30628 A+5.0 ★Texas Ratio: 1.44% |
Conventional | 4 | 2.3% | 80% | $112,500 | View |
BankSouth Mortgage Company LLC
3290 Northside Pkwy Nw, Atlanta, GA 30327 |
Conventional, FHA, USDA | 3 | 1.7% | 100% | $238,333 | |
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3290 Northside Pkwy Nw, Atlanta, GA 30327 A+5.0 ★Texas Ratio: 4.19% |
Conventional | 2 | 1.2% | 100% | $95,000 | View |
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★ 5 stars, 1 review 11760 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 2 | 1.2% | 100% | $115,000 | 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 | 2 | 1.2% | 66.7% | $225,000 | View |
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10865 Haynes Bridge Rd, Alpharetta, GA 30022 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 1 +3 HELOCs |
0.6% | 100% | $45,000 | View |
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★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $225,000 | View |
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2636 Atlanta Hwy, Athens, GA 30606 A+5.0 ★Texas Ratio: 1.27% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $145,000 | View |
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6503 North Point Parkway, Alpharetta, GA 30022 A+5.0 ★Texas Ratio: 0.01% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $475,000 | View |
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155 Hawthorne Park, Athens, GA 30606 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.6% | 100% | $45,000 | View |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.6% | 50% | $85,000 | View |
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190 Gaines School Rd, Athens, GA 30605 3118 A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.6% | 100% | $245,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 25% | $255,000 | |
Milend, Inc
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FHA | 1 | 0.6% | 100% | $205,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA, USDA | 15 | 8.7% | 100% | $242,333 | View |
Rocket Mortgage
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Conventional, FHA, VA | 13 | 7.5% | 83.3% | $195,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA, USDA | 9 | 5.2% | 81.8% | $118,333 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 8 | 4.6% | 66.7% | $257,500 | |
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A5.0 ★Texas Ratio: 7.12% |
Conventional, FHA, USDA | 8 | 4.6% | 100% | $218,750 | View |
Everett Financial, Inc.
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Conventional, FHA | 4 | 2.3% | 100% | $87,500 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 2.3% | 100% | $175,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 2.3% | 33.3% | $112,500 | |
Mortgage Research Center
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VA | 3 | 1.7% | 60% | $331,666 | |
21St Mortgage
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Conventional | 3 | 1.7% | 26.7% | $188,333 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional, FHA | 2 | 1.2% | 100% | $100,000 | View |
Newrez LLC
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VA | 2 | 1.2% | 100% | $305,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 1.2% | 50% | $200,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 1.2% | 60% | $240,000 | |
Pennymac Loan Services LLC
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FHA, VA | 2 | 1.2% | 100% | $190,000 | |
Diamond Residential Mtg Corp
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Conventional, VA | 2 | 1.2% | 100% | $165,000 | |
Homeowners Financial Group, LLC
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Conventional | 2 | 1.2% | 100% | $335,000 | |
Planet Home Lending, LLC
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FHA | 2 | 1.2% | 100% | $340,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $160,000 | |
American Portfolio Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $185,000 | |
Guaranteed Rate Affinity, LLC
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USDA | 1 | 0.6% | 100% | $135,000 | |
American Financial Resources LLC
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USDA | 1 | 0.6% | 100% | $165,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.6% | 100% | $185,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.6% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.6% | 100% | $275,000 | View |
loanDepot.com LLC
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FHA | 1 | 0.6% | 100% | $145,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 33.3% | $35,000 | |
American Financing Corporation
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FHA | 1 | 0.6% | 100% | $275,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.6% | 100% | $325,000 | |
Nfm, Inc
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FHA | 1 | 0.6% | 100% | $165,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
Servis One, Inc
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VA | 1 | 0.6% | 100% | $205,000 | |
Truliant Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $35,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
FHA | 1 | 0.6% | 100% | $255,000 | View |
Pentagon Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $165,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.6% | 100% | $305,000 | |
CPM Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $535,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
Geneva Financial LLC
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USDA | 1 | 0.6% | 100% | $195,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.6% | 100% | $195,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.6% | 100% | $165,000 | |
Loan Simple, Inc.
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USDA | 1 | 0.6% | 100% | $195,000 | |
Village Capital & Investment
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VA | 1 | 0.6% | 25% | $205,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Elberton 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 Elberton, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Elberton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elberton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elberton, GA
Use these to narrow the list above. Each category shows how many Elberton, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Elberton, GA
Independent mortgage companies closed 48.6 percent of home loans in Elberton, Georgia in 2025, banks 48.6 percent and credit unions 2.9 percent. Equity Prime Mortgage LLC was the largest mortgage company, Pinnacle Bank the largest bank and Robins Financial Credit Union the largest credit union. Among lenders headquartered in Georgia, Pinnacle Bank led with 32 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 Elberton, GA
By home loans closed in 2025, Pinnacle Bank was the largest mortgage lender in Elberton, Georgia with 32 loans, about 18.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in Elberton, Georgia in 2025, led by Magnolia Bank with 6. 11 lenders closed VA loans, led by Mortgage Research Center, 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. 23 banks and 6 credit unions closed home loans in Elberton, Georgia in 2025, alongside 39 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 Elberton, 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 Elberton, 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 Elberton. 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.
