Mortgage Lenders and Brokers in Folkston, 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
Folkston, Georgia mortgage lenders include Southeastern BankSoutheastern Bank4233 2nd Street North, Folkston, GA 31537A+5.0 ★Texas Ratio: 2.15%, Georgia'S Own Credit UnionGeorgia'S Own Credit Union3792 Second St S, Folkston, GA 31537 8452A5.0 ★Texas Ratio: 7.35%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3350 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 3.68%, Capital City Home Loans, LLCCapital City Home Loans, LLC420 N Broad St, Cairo, GA 39828A+5.0 ★Texas Ratio: 2.55%, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, Amerisave Mortgage CompanyAmerisave Mortgage CompanySandy Springs, GA, US Bank, N.A.US Bank, N.A.A+5.0 ★Texas Ratio: 2.85%, Rocket Mortgage, Mortgage Research Center, and Presidential Bank, FSBPresidential Bank, FSBA-4.9 ★Texas Ratio: 16.48%. 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 Folkston, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Folkston 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 Folkston, Georgia
Market share is the lender's share of all home loans closed in Folkston, 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 Folkston 4233 2nd Street North, Folkston, GA 31537 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 2 | 4.2% | 100% | $35,000 | View |
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3792 Second St S, Folkston, GA 31537 8452 A5.0 ★Texas Ratio: 7.35% |
Conventional | 1 | 2.1% | 33.3% | $55,000 | View |
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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 2.1% | 100% | $175,000 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
FHA | 1 | 2.1% | 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% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Amerisave Mortgage Company
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FHA | 1 | 2.1% | 16.7% | $95,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 6 | 12.5% | 100% | $201,666 | |
Mortgage Research Center
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Conventional, FHA | 5 | 10.4% | 100% | $103,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional, FHA | 4 | 8.3% | 100% | $150,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 3 | 6.2% | 75% | $215,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +1 HELOCs |
4.2% | 50% | $365,000 | |
EMM Loans LLC
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FHA | 2 | 4.2% | 100% | $225,000 | |
Guaranteed Rate, Inc.
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VA | 2 | 4.2% | 100% | $250,000 | |
Evergreen Moneysource Mortgage Company
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FHA | 2 | 4.2% | 66.7% | $195,000 | |
21St Mortgage
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Conventional | 2 | 4.2% | 50% | $135,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 4.2% | 100% | $115,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 2.1% | 100% | $175,000 | |
Kind Lending, LLC
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VA | 1 | 2.1% | 50% | $435,000 | |
loanDepot.com LLC
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Conventional | 1 | 2.1% | 50% | $85,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 2.1% | 33.3% | $285,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 2.1% | 100% | $325,000 | |
Real Genius LLC
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Conventional | 1 | 2.1% | 100% | $155,000 | |
Nationstar Mortgage
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Conventional | 1 | 2.1% | 100% | $45,000 | |
Stockton Mortgage Corporation
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USDA | 1 | 2.1% | 100% | $185,000 | |
Sente Mortgage, Inc.
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Conventional | 1 | 2.1% | 100% | $65,000 | |
CSL Financial, LLC
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Conventional | 1 | 2.1% | 100% | $95,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 2.1% | 100% | $175,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 2.1% | 100% | $415,000 | View |
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
VyStar Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Folkston 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 Folkston, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Folkston? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Folkston in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Folkston, GA
Use these to narrow the list above. Each category shows how many Folkston, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Folkston, GA
Independent mortgage companies closed 75 percent of home loans in Folkston, Georgia in 2025, banks 18.8 percent and credit unions 6.2 percent. Amerisave Mortgage Company was the largest mortgage company, Southeastern Bank the largest bank and Georgia'S Own Credit Union the largest credit union. Among lenders headquartered in Georgia, Southeastern 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 Folkston, GA
By home loans closed in 2025, Southeastern Bank was the largest mortgage lender in Folkston, Georgia with 2 loans, about 4.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Folkston, Georgia in 2025, led by Mortgage Research Center with 3. 6 lenders closed VA loans, led by Guaranteed Rate, Inc., 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. 7 banks and 3 credit unions closed home loans in Folkston, Georgia in 2025, alongside 21 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 Folkston, 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 Folkston, 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 Folkston. 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.
