Mortgage Lenders and Brokers in Gay, 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
Gay, Georgia mortgage lenders include Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, Synovus BankSynovus Bank2102 E Oglethorpe Blvd, Albany, GA 31705, Colony BankColony Bank2900 Old Dawson Rd, Albany, GA 31721A+5.0 ★Texas Ratio: 4.01%, Delta Community Credit UnionDelta Community Credit Union11575 Haynes Bridge Rd, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 1.24%, United BankUnited Bank2775 Old Milton Parkway, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 2.15%, Bank of America NABank of America NA4460 Cobb Parkway North Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.14%, BankSouth Mortgage Company LLCBankSouth Mortgage Company LLC3290 Northside Pkwy Nw, Atlanta, GA 30327, Talbot State BankTalbot State Bank710 Glynn St N, Fayetteville, GA 30214F1.0 ★Texas Ratio: 33.51%, Truist BankTruist Bank3340 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 2.87%, and Capital City Home Loans, LLCCapital City Home Loans, LLC420 N Broad St, Cairo, GA 39828A+5.0 ★Texas Ratio: 2.55%. 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 Gay, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gay 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 Gay, Georgia
Market share is the lender's share of all home loans closed in Gay, 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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★ 4 stars, 1 review 5895 Jeff Davis Ln Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, VA | 5 | 4% | 100% | $275,000 | View |
Synovus Bank
2102 E Oglethorpe Blvd, Albany, GA 31705 |
Conventional, USDA, HELOC | 3 +2 HELOCs |
2.4% | 100% | $221,666 | |
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2900 Old Dawson Rd, Albany, GA 31721 A+5.0 ★Texas Ratio: 4.01% |
Conventional, FHA | 3 | 2.4% | 100% | $565,000 | View |
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11575 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 1.24% |
Conventional, HELOC | 2 +2 HELOCs |
1.6% | 66.7% | $325,000 | View |
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2775 Old Milton Parkway, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.15% |
Conventional, VA, HELOC | 2 +2 HELOCs |
1.6% | 100% | $335,000 | View |
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4460 Cobb Parkway North Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
1.6% | 100% | $240,000 | View |
BankSouth Mortgage Company LLC
3290 Northside Pkwy Nw, Atlanta, GA 30327 |
Conventional, FHA | 2 | 1.6% | 100% | $315,000 | |
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710 Glynn St N, Fayetteville, GA 30214 F1.0 ★Texas Ratio: 33.51% |
Conventional | 2 | 1.6% | 100% | $60,000 | View |
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★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87% |
FHA, HELOC | 1 +1 HELOCs |
0.8% | 100% | $255,000 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 0.8% | 100% | $225,000 | View |
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5045 Highway 53, Braselton, GA 30517 A+5.0 ★Texas Ratio: 0.06% |
FHA | 1 | 0.8% | 100% | $255,000 | View |
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8188 Frank Houser Ave, Columbus, GA 31909 A+5.0 ★Texas Ratio: 0.79% |
Conventional | 1 | 0.8% | 100% | $5,000 | View |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.8% | 100% | $235,000 | View |
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2101 Rosebrier Ave, Albany, GA 31705 A5.0 ★Texas Ratio: 7.35% |
HELOC | 0 +2 HELOCs |
0% | 100% | View | |
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4590 Morningside Dr, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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400 17th St Nw, Atlanta, GA 30363 A5.0 ★Texas Ratio: 7.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 3402 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Loanunited.Com, LLC
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FHA | 1 | 0.8% | 100% | $185,000 | |
Milend, Inc
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FHA | 1 | 0.8% | 100% | $265,000 | |
Rocket Mortgage
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Conventional | 10 | 8% | 66.7% | $132,000 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 9 | 7.2% | 100% | $259,444 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, USDA | 6 | 4.8% | 100% | $245,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 3.2% | 80% | $330,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional, FHA | 3 | 2.4% | 100% | $251,666 | View |
Freedom Mortgage Corporation
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VA | 3 | 2.4% | 100% | $258,333 | |
Pennymac Loan Services LLC
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Conventional, VA | 3 | 2.4% | 60% | $195,000 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 2.4% | 66.7% | $305,000 | |
Nationstar Mortgage
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Conventional | 3 | 2.4% | 100% | $68,333 | |
Guaranteed Rate, Inc.
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FHA, USDA | 2 | 1.6% | 100% | $270,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 1.6% | 66.7% | $200,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 1.6% | 100% | $140,000 | |
Homeowners Financial Group, LLC
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Conventional | 2 | 1.6% | 100% | $460,000 | |
Mortgage Research Center
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VA | 2 | 1.6% | 66.7% | $345,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1.6% | 100% | $245,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 1.6% | 100% | $160,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 1.6% | 100% | $405,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.6% | 40% | $290,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 0.8% | 100% | $95,000 | |
American Financial Resources LLC
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FHA | 1 | 0.8% | 100% | $195,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.8% | 100% | $55,000 | |
Primelending
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FHA | 1 | 0.8% | 100% | $155,000 | |
Primary Residential Mortgage, INC.
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FHA | 1 | 0.8% | 100% | $435,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $355,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.8% | 50% | $285,000 | |
Nbkc Bank
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VA | 1 | 0.8% | 100% | $315,000 | |
Kind Lending, LLC
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USDA | 1 | 0.8% | 100% | $275,000 | |
Allied Mortgage Group, Inc
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VA | 1 | 0.8% | 100% | $185,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.8% | 100% | $315,000 | View |
AmeriHome Mortgage Company, LLC
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VA | 1 | 0.8% | 100% | $295,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.8% | 100% | $255,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $225,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.8% | 100% | $205,000 | |
Diamond Residential Mtg Corp
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FHA | 1 | 0.8% | 100% | $315,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.8% | 100% | $145,000 | |
First Alliance Home Mortgage, LLC
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FHA | 1 | 0.8% | 100% | $185,000 | |
Discover Bank
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Conventional | 1 | 0.8% | 50% | $45,000 | |
Union Home Mortgage Corp.
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USDA | 1 | 0.8% | 100% | $265,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.8% | 50% | $315,000 | View |
Intelliloan, Inc.
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FHA | 1 | 0.8% | 100% | $305,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.8% | 100% | $635,000 | |
Better Mortgage Corporation
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VA | 1 | 0.8% | 100% | $605,000 | |
Radius Financial Group Inc
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FHA | 1 | 0.8% | 100% | $225,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.8% | 100% | $235,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.8% | 100% | $275,000 | |
Prosperity Home Mortgage, LLC
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USDA | 1 | 0.8% | 100% | $305,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.8% | 50% | $405,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.8% | 50% | $75,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.8% | 100% | $285,000 | View |
21St Mortgage
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Conventional | 1 | 0.8% | 33.3% | $95,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.8% | 50% | $205,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.8% | 100% | $355,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.8% | 100% | $315,000 | |
Bank Ozk
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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 |
Gay 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 Gay, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Gay? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gay in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gay, GA
Use these to narrow the list above. Each category shows how many Gay, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Gay, GA
Independent mortgage companies closed 71.2 percent of home loans in Gay, Georgia in 2025, banks 25.6 percent and credit unions 3.2 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, Ameris Bank the largest bank and Delta Community Credit Union the largest credit union. Among lenders headquartered in Georgia, Ameris Bank led with 5 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 Gay, GA
By home loans closed in 2025, Ameris Bank was the largest mortgage lender in Gay, Georgia with 5 loans, about 4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
30 lenders closed FHA loans in Gay, Georgia in 2025, led by Guild Mortgage Company with 4. 16 lenders closed VA loans, led by Freedom Mortgage Corporation, and 7 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 4 credit unions closed home loans in Gay, Georgia in 2025, alongside 47 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 Gay, 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 Gay, 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 Gay. 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.
