Mortgage Lenders and Brokers in Gray, 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
Gray, Georgia mortgage lenders include Magnolia State BankMagnolia State Bank271 W Clinton St, Gray, GA 31032A+5.0 ★Texas Ratio: 1.87%, Robins Financial Credit UnionRobins Financial Credit Union287 W Clinton St, Gray, GA 31032A+5.0 ★Texas Ratio: 1.27%, Exchange BankExchange Bank4306 Gray Hwy, Gray, GA 31032A+5.0 ★Texas Ratio: 0.24%, Capital City Home Loans, LLCCapital City Home Loans, LLC420 N Broad St, Cairo, GA 39828A+5.0 ★Texas Ratio: 2.55%, Wells Fargo Bank NAWells Fargo Bank NA3334 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 5.36%, Bank of DudleyBank of Dudley200 W Jackson St, Dublin, GA 31021A+5.0 ★Texas Ratio: 0.93%, Colony BankColony Bank2900 Old Dawson Rd, Albany, GA 31721A+5.0 ★Texas Ratio: 4.01%, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, Oconee State BankOconee State Bank1 Press Pl, Athens, GA 30601B4.5 ★Texas Ratio: 21.44%, and Renasant BankRenasant Bank301 W 4th St, Adel, GA 31620A+5.0 ★Texas Ratio: 4.72%. 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 Gray, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gray 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 Gray, Georgia
Market share is the lender's share of all home loans closed in Gray, 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 Gray 271 W Clinton St, Gray, GA 31032 A+5.0 ★Texas Ratio: 1.87% |
Conventional | 1 | 0.7% | 100% | $195,000 | View |
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287 W Clinton St, Gray, GA 31032 A+5.0 ★Texas Ratio: 1.27% |
Conventional, HELOC | 9 +20 HELOCs |
6.6% | 100% | $219,444 | View |
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4306 Gray Hwy, Gray, GA 31032 A+5.0 ★Texas Ratio: 0.24% |
Conventional | 3 | 2.2% | 100% | $141,666 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
Conventional, FHA | 2 | 1.5% | 100% | $315,000 | View |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 2 | 1.5% | 100% | $225,000 | View |
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200 W Jackson St, Dublin, GA 31021 A+5.0 ★Texas Ratio: 0.93% |
Conventional | 2 | 1.5% | 100% | $175,000 | View |
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2900 Old Dawson Rd, Albany, GA 31721 A+5.0 ★Texas Ratio: 4.01% |
Conventional, VA | 2 | 1.5% | 100% | $310,000 | 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, USDA | 2 | 1.5% | 100% | $265,000 | View |
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1 Press Pl, Athens, GA 30601 B4.5 ★Texas Ratio: 21.44% |
Conventional | 1 | 0.7% | 100% | $335,000 | View |
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301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.7% | 100% | $405,000 | View |
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5045 Highway 53, Braselton, GA 30517 A+5.0 ★Texas Ratio: 0.06% |
Conventional | 1 | 0.7% | 100% | $195,000 | View |
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7400 Adairsville Hwy, Adairsville, GA 30103 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.7% | 100% | $205,000 | View |
Amerisave Mortgage Company
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FHA | 3 | 2.2% | 50% | $178,333 | |
Morris Bank
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Conventional | 2 | 1.5% | 66.7% | $100,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.7% | 100% | $445,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 19 | 13.9% | 90.5% | $188,157 | |
Guild Mortgage Company
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Conventional, FHA, VA | 7 | 5.1% | 100% | $207,857 | |
Mortgage Research Center
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Conventional, VA | 7 | 5.1% | 87.5% | $256,428 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 4.4% | 100% | $290,000 | |
New American Funding, LLC.
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Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
2.9% | 80% | $342,500 | |
21St Mortgage
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Conventional | 4 | 2.9% | 100% | $117,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 3 | 2.2% | 100% | $318,333 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 2.2% | 50% | $218,333 | |
Mortgage Solutions of Colorado
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FHA, VA | 3 | 2.2% | 100% | $258,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
1.5% | 100% | $50,000 | |
Liberty Federal Credit Union
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Conventional, USDA | 2 | 1.5% | 100% | $170,000 | |
Sun West Mortgage Company, Inc
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FHA, VA | 2 | 1.5% | 100% | $260,000 | |
Planet Home Lending, LLC
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FHA | 2 | 1.5% | 100% | $170,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.5% | 100% | $80,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 2 | 1.5% | 100% | $55,000 | View |
Gmfs, LLC
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Conventional | 2 | 1.5% | 100% | $340,000 | |
Fairway Independent Mort Corp
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FHA | 2 | 1.5% | 100% | $180,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 2 | 1.5% | 100% | $190,000 | View |
EMM Loans LLC
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Conventional | 1 | 0.7% | 100% | $135,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 0.38% |
FHA | 1 | 0.7% | 100% | $345,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.7% | 100% | $395,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.7% | 100% | $255,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.7% | 100% | $235,000 | |
Success Lending, LLC
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FHA | 1 | 0.7% | 100% | $225,000 | |
Canopy Mortgage, LLC
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VA | 1 | 0.7% | 100% | $375,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.7% | 100% | $355,000 | |
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D3.3 ★Texas Ratio: 35.11% |
USDA | 1 | 0.7% | 100% | $285,000 | View |
loanDepot.com LLC
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Conventional | 1 | 0.7% | 50% | $195,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.7% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.7% | 100% | $265,000 | View |
Resicentral LLC
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VA | 1 | 0.7% | 100% | $305,000 | |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.7% | 100% | $225,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.7% | 100% | $195,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.7% | 100% | $275,000 | |
Nfm, Inc
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Conventional | 1 | 0.7% | 100% | $215,000 | |
Stg Mortgage Inc
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FHA | 1 | 0.7% | 100% | $255,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.7% | 100% | $225,000 | View |
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A+5.0 ★Texas Ratio: 1.12% |
FHA | 1 | 0.7% | 100% | $295,000 | View |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $265,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.7% | 100% | $205,000 | |
Lower, LLC
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FHA | 1 | 0.7% | 100% | $235,000 | |
Mortgage Investors Group
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Conventional | 1 | 0.7% | 100% | $325,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.7% | 100% | $175,000 | View |
Paramount Residential Mortgage
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USDA | 1 | 0.7% | 100% | $235,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.7% | 50% | $335,000 | |
Five Star Credit Union
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Conventional | 1 | 0.7% | 100% | $195,000 | |
Village Capital & Investment
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VA | 1 | 0.7% | 100% | $335,000 | |
Cadence Bank
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a |
Gray 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 Gray, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Gray? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gray in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gray, GA
Use these to narrow the list above. Each category shows how many Gray, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Gray, GA
Independent mortgage companies closed 69.3 percent of home loans in Gray, Georgia in 2025, banks 20.4 percent and credit unions 10.2 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, Magnolia State Bank the largest bank and Robins Financial Credit Union the largest credit union. Among lenders headquartered in Georgia, Magnolia State Bank led with 1 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 Gray, GA
By home loans closed in 2025, Magnolia State Bank was the largest mortgage lender in Gray, Georgia with 1 loans, about 0.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Gray, Georgia in 2025, led by Amerisave Mortgage Company with 3. 15 lenders closed VA loans, led by Mortgage Research Center, and 4 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. 19 banks and 4 credit unions closed home loans in Gray, Georgia in 2025, alongside 42 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 Gray, 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 Gray, 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 Gray. 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.
