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Mortgage Lenders and Brokers in Gainesville, Georgia

Content reviewed by

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

Gainesville, Georgia mortgage lenders include Regions BankRegions Bank3458 Mundy Mill Rd, Gainesville, GA 30507A+5.0 ★Texas Ratio: 4.37%, United Community BankUnited Community Bank351 Jesse Jewell Pkwy, Gainesville, GA 30501A+5.0 ★Texas Ratio: 2.97%, Truist BankTruist Bank3640 Thompson Bridge Rd, Gainesville, GA 30506A+5.0 ★Texas Ratio: 2.87%, Peach State Bank and TrustPeach State Bank and Trust121 E E Butler Pkwy, Gainesville, GA 30501, Ameris BankAmeris Bank854 Washington St Nw, Gainesville, GA 30501A+5.0 ★Texas Ratio: 1.82%, Wells Fargo Bank NAWells Fargo Bank NA1368 Browns Bridge Rd, Gainesville, GA 30501A+5.0 ★Texas Ratio: 5.36%, Pinnacle BankPinnacle Bank1948 Jesse Jewell Pkwy Se, Gainesville, GA 30501A+5.0 ★Texas Ratio: 3.22%, MyGeorgia Credit UnionMyGeorgia Credit Union2601 Limestone Pkwy, Gainesville, GA 30501A+5.0 ★Texas Ratio: 2.90%, Fifth Third Bank, National AssociationFifth Third Bank, National Association2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 3.22%, and Bank of America NABank of America NA402 Washington St Se, Gainesville, GA 30501A+5.0 ★Texas Ratio: 4.14%. 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 Gainesville, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gainesville 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 Gainesville, Georgia

Market share is the lender's share of all home loans closed in Gainesville, 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
Regions Bank 4 offices in Gainesville 3458 Mundy Mill Rd, Gainesville, GA 30507 A+5.0 ★Texas Ratio: 4.37%	Conventional, VA, Jumbo, HELOC	31 +26 HELOCs	2.7%	66.7%	$257,258	View
United Community Bank 4 offices in Gainesville 351 Jesse Jewell Pkwy, Gainesville, GA 30501 A+5.0 ★Texas Ratio: 2.97%	Conventional, Jumbo, HELOC	15 +42 HELOCs	1.3%	83.3%	$603,666	View
Truist Bank ★ 1 stars, 1 review 3 offices in Gainesville 3640 Thompson Bridge Rd, Gainesville, GA 30506 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, Jumbo, HELOC	15 +17 HELOCs	1.3%	83.3%	$320,333	View
Peach State Bank and Trust 121 E E Butler Pkwy, Gainesville, GA 30501	Conventional	14	1.2%	93.8%	$474,285
Ameris Bank ★ 4 stars, 1 review 1 office in Gainesville 854 Washington St Nw, Gainesville, GA 30501 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA, HELOC	13 +4 HELOCs	1.1%	86.7%	$329,615	View
Wells Fargo Bank NA 2 offices in Gainesville 1368 Browns Bridge Rd, Gainesville, GA 30501 A+5.0 ★Texas Ratio: 5.36%	Conventional	11	1%	57.9%	$238,636	View
Pinnacle Bank 3 offices in Gainesville 1948 Jesse Jewell Pkwy Se, Gainesville, GA 30501 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, Jumbo	11	1%	75%	$394,090	View
MyGeorgia Credit Union 2601 Limestone Pkwy, Gainesville, GA 30501 A+5.0 ★Texas Ratio: 2.90%	Conventional, HELOC	5 +12 HELOCs	0.4%	83.3%	$95,000	View
Fifth Third Bank, National Association 2 offices in Gainesville 2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.3%	80%	$572,500	View
Bank of America NA 1 office in Gainesville 402 Washington St Se, Gainesville, GA 30501 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	3 +19 HELOCs	0.3%	60%	$291,666	View
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Gainesville 450 Ee Butler Pkwy, Gainesville, GA 30501 A+5.0 ★Texas Ratio: 2.27%	Conventional, HELOC	3 +7 HELOCs	0.3%	60%	$255,000	View
United Bank Va 2 offices in Gainesville 995 Riverside Dr, Gainesville, GA 30501 A+5.0 ★Texas Ratio: 2.15%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$295,000	View
First Ciitizens Bank and Trust 1 office in Gainesville 643 Ee Butler Pkwy, Gainesville, GA 30501 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$425,000	View
Huntington National Bank 1 office in Gainesville A+5.0 ★Texas Ratio: 3.66%	Conventional	2	0.2%	100%	$330,000	View
JPMorgan Chase Bank, NA 3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	15	1.3%	100%	$268,333	View
Capital City Home Loans, LLC 420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55%	Conventional	9	0.8%	100%	$306,111	View
BankSouth Mortgage Company LLC 3290 Northside Pkwy Nw, Atlanta, GA 30327	Conventional, FHA	8	0.7%	100%	$380,000
Delta Community Credit Union 891 Dawsonville Hwy Ste 140, Gainesville, GA 30501 A+5.0 ★Texas Ratio: 1.24%	Conventional, HELOC	5 +7 HELOCs	0.4%	50%	$433,000	View
Southeast Mortgage of Georgia, Inc. 5045 Highway 53, Braselton, GA 30517 A+5.0 ★Texas Ratio: 0.06%	Conventional, FHA	4	0.3%	100%	$382,500	View
Georgia'S Own Credit Union 475 Dawsonville Hwy Ste F, Gainesville, GA 30501 2606 A5.0 ★Texas Ratio: 7.35%	Conventional, HELOC	3 +3 HELOCs	0.3%	57.1%	$261,666	View
First Horizon Bank ★ 5 stars, 1 review 2970 Peachtree Rd Nw, Atlanta, GA 30305 A+5.0 ★Texas Ratio: 5.76%	Conventional	3	0.3%	100%	$205,000	View
Peoples Bank & Trust 1899 Buford Hwy, Buford, GA 30518	Conventional, Jumbo	2	0.2%	100%	$730,000
The Citizens Bank of Georgia 5140 Highway 9 N, Alpharetta, GA 30004 A+5.0 ★Texas Ratio: 0.00%	Conventional	2	0.2%	100%	$315,000	View
Georgia United Credit Union 190 Gaines School Rd, Athens, GA 30605 3118 A+5.0 ★Texas Ratio: 5.53%	Conventional, HELOC	1 +8 HELOCs	0.1%	100%	$235,000	View
Synovus Bank 2102 E Oglethorpe Blvd, Albany, GA 31705	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$1,505,000
Firstbank 400 17th St Nw, Atlanta, GA 30363 A5.0 ★Texas Ratio: 7.51%	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$345,000	View
Robins Financial Credit Union 2636 Atlanta Hwy, Athens, GA 30606 A+5.0 ★Texas Ratio: 1.27%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$385,000	View
PromiseOne Bank 5938 Buford Hwy Ne, Doraville, GA 30340 A5.0 ★Texas Ratio: 8.01%	Conventional	1	0.1%	100%	$245,000	View
Loyal Trust Bank 11675 Medlock Bridge Rd, Johns Creek, GA 30097 A+5.0 ★Texas Ratio: 5.99%	Conventional	1	0.1%	100%	$275,000	View
First National Bank of Decatur 819 E Shotwell St, Bainbridge, GA 39819 A-4.3 ★Texas Ratio: 5.54%	Conventional	1	0.1%	100%	$75,000	View
Colony Bank 2900 Old Dawson Rd, Albany, GA 31721 A+5.0 ★Texas Ratio: 4.01%	FHA	1	0.1%	100%	$355,000	View
Metro City Bank 5593 Buford Hwy Ne, Doraville, GA 30340 A+5.0 ★Texas Ratio: 3.17%	Conventional	1	0.1%	100%	$275,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3402 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +5 HELOCs	0%	n/a		View
Renasant Bank 301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Cdc Federal Credit Union 2301 Parklake Dr NE, Atlanta, GA 30345 2912 A+5.0 ★Texas Ratio: 2.99%	HELOC	0 +1 HELOCs	0%	n/a		View
First Option Mortgage, LLC	Conventional, FHA	18	1.6%	100%	$266,666
Equity Prime Mortgage LLC	FHA	6	0.5%	100%	$293,333
Amerisave Mortgage Company	Conventional	5	0.4%	33.3%	$85,000
BoxCar Mortgage, LLC	Conventional, FHA	3	0.3%	100%	$338,333
Milend, Inc	Conventional, FHA, Jumbo	3	0.3%	75%	$451,666
Acu	Conventional, HELOC	2 +8 HELOCs	0.2%	50%	$270,000
Loanunited.Com, LLC	FHA	2	0.2%	100%	$375,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	1 +2 HELOCs	0.1%	25%	$505,000	View
Direct Lenders, LLC.	FHA	1	0.1%	100%	$395,000
First Intercontinental Bank	Conventional	1	0.1%	100%	$155,000
AgGeorgia Farm Credit	Conventional	1	0.1%	50%	$505,000
Angel Oak Mortgage Solutions LLC	HELOC	0 +1 HELOCs	0%	0%
Rocket Mortgage	Conventional, FHA, VA	137	11.9%	83.1%	$222,737
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	121 +2 HELOCs	10.5%	85%	$367,314
American Pacific Mortgage Corporation	Conventional, FHA, VA	64	5.6%	95.5%	$311,250
Pulte Mortgage LLC	Conventional, FHA	29	2.5%	60.4%	$377,068
Fairway Independent Mort Corp	Conventional, FHA, VA	27	2.3%	96.4%	$335,740
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	21 +1 HELOCs	1.8%	91.3%	$386,904
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	21	1.8%	81.5%	$330,238
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA, VA	21	1.8%	75.9%	$369,761
Everett Financial, Inc.	Conventional, FHA, VA, Jumbo	20	1.7%	87%	$311,500
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	20	1.7%	65.6%	$284,500
Nationstar Mortgage	Conventional	17	1.5%	100%	$134,411
Lennar Mortgage, LLC	Conventional, FHA, VA	14	1.2%	77.8%	$351,428
loanDepot.com LLC	Conventional, FHA, VA, HELOC	13 +3 HELOCs	1.1%	82.4%	$165,769
Paramount Residential Mortgage	Conventional, FHA	12	1%	85.7%	$261,666
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	11 +6 HELOCs	1%	64.7%	$313,181
Mortgage Research Center	VA	11	1%	64.7%	$371,363
New American Funding, LLC.	Conventional, FHA	11	1%	68.8%	$331,363
Newrez LLC	Conventional, FHA, VA	10	0.9%	55%	$303,000
Click n' Close, Inc.	Conventional, FHA	10	0.9%	100%	$198,000
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	9 +1 HELOCs	0.8%	90%	$325,000
American Financial Network, Inc.	Conventional, FHA	9	0.8%	100%	$296,111
Homeowners Financial Group, LLC	Conventional, FHA, VA	9	0.8%	100%	$351,666
Inspire Home Loans Inc.	Conventional, FHA, VA	9	0.8%	90%	$382,777
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA	8	0.7%	88.9%	$283,750	View
Lower, LLC	Conventional, FHA	8	0.7%	100%	$291,250
Guild Mortgage Company	Conventional, VA	7	0.6%	100%	$389,285
Onward Home Mortgage, LLC	Conventional, VA	7	0.6%	100%	$406,428
Movement Mortgage, LLC	Conventional, FHA	6	0.5%	87.5%	$428,333
AmWest Funding Corp	Conventional	6	0.5%	100%	$273,333
Plaza Home Mortgage, Inc	Conventional, FHA	6	0.5%	85.7%	$190,000
Cmg Mortgage Inc	Conventional, FHA, HELOC	5 +1 HELOCs	0.4%	100%	$339,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.38%	Conventional, FHA, VA	5	0.4%	100%	$313,000	View
AmeriHome Mortgage Company, LLC	Conventional, FHA	5	0.4%	100%	$309,000
Provident Funding Associates	Conventional	5	0.4%	83.3%	$399,000
T2 Financial LLC	Conventional, FHA	5	0.4%	100%	$467,000
Prosperity Home Mortgage, LLC	Conventional, FHA	5	0.4%	100%	$287,000
JMAC Lending, Inc.	Conventional, FHA, VA	5	0.4%	100%	$369,000
Cornerstone First Mortgage, LLC	Conventional	4	0.3%	100%	$430,000
Premier Mortgage Resources, LLC	Conventional, VA	4	0.3%	100%	$310,000
Lakeview Loan Servicing, LLC	Conventional	4	0.3%	45.5%	$122,500
Canopy Mortgage, LLC	Conventional, FHA	4	0.3%	100%	$332,500
Jet HomeLoans, LP	Conventional, FHA	4	0.3%	100%	$242,500
Sente Mortgage, Inc.	Conventional, FHA, USDA	4	0.3%	100%	$290,000
Zillow Home Loans, LLC	Conventional	4	0.3%	100%	$280,000
Mutual of Omaha Mortgage	Conventional, FHA	4	0.3%	100%	$267,500
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	4	0.3%	100%	$265,000	View
21St Mortgage	Conventional	4	0.3%	33.3%	$127,500
Carrington Mortgage Services LLC	Conventional, FHA	4	0.3%	28.6%	$157,500
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.3%	100%	$645,000	View
Panorama Mortgage Group, LLC	Conventional	3	0.3%	100%	$288,333
American Financial Resources LLC	Conventional, FHA	3	0.3%	100%	$398,333
SWBC Mortgage Corporation	Conventional, VA	3	0.3%	100%	$378,333
AdvantageFirst Lending Inc	FHA	3	0.3%	75%	$301,666
New Day Financial, LLC.	VA	3	0.3%	75%	$311,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.3%	37.5%	$581,666	View
Planet Home Lending, LLC	FHA, VA	3	0.3%	100%	$278,333
Acopia, LLC	Conventional, FHA, Jumbo	3	0.3%	100%	$458,333
Iserve Residential Lending	FHA	3	0.3%	100%	$395,000
The Loan Store, Inc	Conventional, FHA	3	0.3%	100%	$388,333
Right Start Mortgage, Inc	Conventional	3	0.3%	100%	$485,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	3	0.3%	100%	$791,666	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.3%	75%	$131,666	View
Reliance First Capital, LLC	Conventional, FHA	3	0.3%	100%	$191,666
Champions Funding, LLC	Conventional	3	0.3%	75%	$361,666
Spring Eq, LLC	Conventional, HELOC	2 +3 HELOCs	0.2%	25%	$45,000
HomeBridge Financial Services, Inc	Conventional, FHA, HELOC	2 +2 HELOCs	0.2%	100%	$435,000
Guaranteed Rate Affinity, LLC	Conventional, VA	2	0.2%	100%	$455,000
Primelending	Conventional	2	0.2%	100%	$435,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	2	0.2%	100%	$710,000	View
Sage Home Loans Corporation	Conventional	2	0.2%	50%	$490,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	2	0.2%	66.7%	$545,000	View
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA	2	0.2%	100%	$145,000	View
City National Bank of Florida A5.0 ★Texas Ratio: 7.12%	FHA	2	0.2%	100%	$305,000	View
Sun West Mortgage Company, Inc	FHA	2	0.2%	100%	$305,000
Flexpoint, Inc.	Conventional	2	0.2%	100%	$450,000
Securitynational Mortgage Company	FHA	2	0.2%	100%	$335,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	2	0.2%	66.7%	$70,000	View
Gardner Financial Services	Conventional, FHA	2	0.2%	100%	$275,000
Geneva Financial LLC	Conventional	2	0.2%	100%	$250,000
Stockton Mortgage Corporation	Conventional, VA, Jumbo	2	0.2%	66.7%	$520,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.2%	100%	$215,000
Mortgage Investors Group	Conventional, FHA	2	0.2%	100%	$290,000
VyStar Credit Union	Conventional, VA	2	0.2%	100%	$250,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	2	0.2%	100%	$375,000	View
Village Capital & Investment	VA, Jumbo	2	0.2%	66.7%	$640,000
Bank Ozk	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$165,000
Valon Mortgage	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$305,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$145,000	View
Digital Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$65,000
Better Mortgage Corporation	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$305,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$95,000	View
EMM Loans LLC	FHA	1	0.1%	100%	$395,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	50%	$155,000	View
Southwest Airlines FCU	Conventional	1	0.1%	100%	$395,000
Alameda Mortgage Corporation	FHA	1	0.1%	100%	$275,000
Fundloans Capital	Conventional	1	0.1%	100%	$305,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$465,000	View
Fourleaf Federal Credit Union	Conventional	1	0.1%	100%	$555,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	FHA	1	0.1%	100%	$265,000	View
MortgageOne, Inc	Conventional, Jumbo	1	0.1%	100%	$1,665,000
Envoy Mortgage, Ltd	FHA	1	0.1%	100%	$485,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$265,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$735,000
ALCOVA Mortgage, LLC	Conventional	1	0.1%	100%	$775,000
Kind Lending, LLC	FHA	1	0.1%	50%	$455,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$215,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$75,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$185,000	View
University Credit Union A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$455,000	View
Fidelity Lending Solutions Inc	Conventional	1	0.1%	100%	$155,000
Homestead Funding Corp.	Conventional	1	0.1%	100%	$385,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$315,000	View
Guaranty Mortgage Services, LLC	Conventional	1	0.1%	100%	$505,000
Shelter Home Mortgage, LLC	FHA	1	0.1%	100%	$315,000
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$225,000
Iaa Credit Union	Conventional	1	0.1%	100%	$425,000
Discover Bank	Conventional	1	0.1%	9.1%	$75,000
American Financing Corporation	Conventional	1	0.1%	20%	$145,000
Flat Branch Mortgage, Inc.	Conventional	1	0.1%	100%	$375,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$425,000
Bay Equity LLC	FHA	1	0.1%	100%	$445,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$175,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$435,000
Total Mortgage Services, LLC	Conventional	1	0.1%	100%	$255,000
Calcon Mutual Mortgage LLC	Conventional	1	0.1%	100%	$315,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$615,000
Resource Financial Services, Inc.	Conventional	1	0.1%	100%	$185,000
Franklin Loan Corporation	FHA	1	0.1%	100%	$325,000
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$245,000
Community Mortgage Corporation	Conventional	1	0.1%	100%	$345,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	50%	$555,000	View
The Mortgage Firm	Conventional	1	0.1%	100%	$335,000
Mission Loans, LLC	VA	1	0.1%	100%	$395,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	FHA	1	0.1%	100%	$365,000	View
Towne Mortgage Company	FHA	1	0.1%	100%	$345,000
First Guaranty Bank	Conventional, Jumbo	1	0.1%	100%	$3,005,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$285,000	View
Radius Financial Group Inc	VA	1	0.1%	100%	$565,000
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$605,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$455,000
Keystone Funding, Inc	VA	1	0.1%	100%	$365,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$275,000
Purdue Federal Cu	Conventional	1	0.1%	100%	$175,000
Veritas Funding, LLC	FHA	1	0.1%	100%	$185,000
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$125,000
WSFS bank A+5.0 ★Texas Ratio: 3.10%	Conventional	1	0.1%	100%	$65,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	FHA	1	0.1%	50%	$425,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$355,000	View
Banc One Mortage Corporation	Conventional	1	0.1%	100%	$205,000
Gmfs, LLC	Conventional	1	0.1%	100%	$335,000
DHI Mortgage Company, LTD.	FHA	1	0.1%	33.3%	$375,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA	1	0.1%	100%	$375,000	View
Loan Simple, Inc.	FHA	1	0.1%	100%	$325,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$335,000
The Mortgage Link, Inc.	VA	1	0.1%	100%	$385,000
Luxury Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,525,000
Leaderone Financial Corp.	Conventional	1	0.1%	50%	$405,000
Hometrust Mortgage Company A+5.0 ★Texas Ratio: 5.53%	Conventional	1	0.1%	100%	$575,000	View
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$255,000
Figure Lending LLC	HELOC	0 +16 HELOCs	0%	n/a
Cadence Bank	HELOC	0 +4 HELOCs	0%	0%
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +3 HELOCs	0%	n/a		View
Southern Energy Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 3.99%	HELOC	0 +1 HELOCs	0%	n/a		View
Lafayette Federal Credit Union D2.1 ★Texas Ratio: 14.02%	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.

Gainesville 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 Gainesville, Georgia

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

Types of Mortgage Lenders in Gainesville, GA

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

Mortgage companies and brokers 135 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 59 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 20 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 82 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 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 23 lenders. Loans above the conforming limit for higher priced homes Local lenders based in GA 32 lenders headquartered in Georgia, the closest thing to a mortgage lender near you

Who Lends in Gainesville, GA

Independent mortgage companies closed 77.6 percent of home loans in Gainesville, Georgia in 2025, banks 19.2 percent and credit unions 3.1 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, Regions Bank the largest bank and MyGeorgia Credit Union the largest credit union. Among lenders headquartered in Georgia, Peach State Bank and Trust led with 14 loans.

77.6%

Mortgage companies

19.2%

Banks

3.1%

Credit unions

26%

FHA loans

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 Gainesville, GA

Who is the largest mortgage lender in Gainesville, GA?

By home loans closed in 2025, Regions Bank was the largest mortgage lender in Gainesville, Georgia with 31 loans, about 2.7 percent of the market. The largest lender headquartered in Georgia was Peach State Bank and Trust with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Gainesville, Georgia, American Pacific Mortgage Corporation approved the highest share of completed applications in 2025 at 95.5 percent, against a 80.4 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 Gainesville, GA mortgage lenders offer FHA, VA and USDA loans?

82 lenders closed FHA loans in Gainesville, Georgia in 2025, led by American Pacific Mortgage Corporation with 38. 36 lenders closed VA loans, led by Mortgage Research Center, 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.

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

Yes. 59 banks and 20 credit unions closed home loans in Gainesville, Georgia in 2025, alongside 135 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 Gainesville, GA ranked on this page?

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