☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Georgia / Holly Springs

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Holly Springs, Georgia

Content reviewed by

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

Holly Springs, Georgia mortgage lenders include Truist BankTruist Bank3279 E Cherokee Dr, Holly Springs, GA 30115A+5.0 ★Texas Ratio: 2.87%, Credit Union of GeorgiaCredit Union of Georgia140 Riverstone Pkwy, Canton, GA 30114 6421A5.0 ★Texas Ratio: 6.49%, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, LGE Community Credit UnionLGE Community Credit Union3891 Cobb Pkwy NW, Acworth, GA 30101A+5.0 ★Texas Ratio: 2.70%, Regions BankRegions Bank4590 Morningside Dr, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.37%, Wells Fargo Bank NAWells Fargo Bank NA3334 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 5.36%, Delta Community Credit UnionDelta Community Credit Union11575 Haynes Bridge Rd, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 1.24%, BankSouth Mortgage Company LLCBankSouth Mortgage Company LLC3290 Northside Pkwy Nw, Atlanta, GA 30327, Capital City Home Loans, LLCCapital City Home Loans, LLC420 N Broad St, Cairo, GA 39828A+5.0 ★Texas Ratio: 2.55%, and Southstate Bank, National AssociationSouthstate Bank, National Association11760 Haynes Bridge Rd, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 2.27%. 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 Holly Springs, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Holly Springs 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 Holly Springs, Georgia

Market share is the lender's share of all home loans closed in Holly Springs, 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
Truist Bank ★ 1 stars, 1 review 1 office in Holly Springs 3279 E Cherokee Dr, Holly Springs, GA 30115 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	10 +29 HELOCs	1.2%	100%	$363,000	View
Credit Union of Georgia 140 Riverstone Pkwy, Canton, GA 30114 6421 A5.0 ★Texas Ratio: 6.49%	Conventional, HELOC	38 +20 HELOCs	4.5%	88.9%	$104,210	View
Ameris Bank ★ 4 stars, 1 review 5895 Jeff Davis Ln Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA, VA, Jumbo, HELOC	20 +2 HELOCs	2.4%	90.9%	$472,500	View
LGE Community Credit Union 3891 Cobb Pkwy NW, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.70%	Conventional	18	2.1%	85.7%	$153,333	View
Regions Bank 4590 Morningside Dr, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, Jumbo, HELOC	15 +5 HELOCs	1.8%	80%	$214,333	View
Wells Fargo Bank NA 3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36%	Conventional	14	1.7%	87.5%	$320,000	View
Delta Community Credit Union 11575 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 1.24%	Conventional, HELOC	12 +11 HELOCs	1.4%	85.7%	$242,500	View
BankSouth Mortgage Company LLC 3290 Northside Pkwy Nw, Atlanta, GA 30327	Conventional, VA, Jumbo	9	1.1%	90%	$560,555
Capital City Home Loans, LLC 420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55%	Conventional, FHA, Jumbo	5	0.6%	83.3%	$655,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 11760 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.27%	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.5%	100%	$915,000	View
First Horizon Bank ★ 5 stars, 1 review 2970 Peachtree Rd Nw, Atlanta, GA 30305 A+5.0 ★Texas Ratio: 5.76%	Conventional, VA, HELOC	3 +2 HELOCs	0.4%	75%	$618,333	View
JPMorgan Chase Bank, NA 3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$410,000	View
Southeast Mortgage of Georgia, Inc. 5045 Highway 53, Braselton, GA 30517 A+5.0 ★Texas Ratio: 0.06%	Conventional	2	0.2%	100%	$275,000	View
Bank of America NA 4460 Cobb Parkway North Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +16 HELOCs	0.1%	50%	$95,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3402 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +9 HELOCs	0.1%	100%	$555,000	View
Georgia'S Own Credit Union 2101 Rosebrier Ave, Albany, GA 31705 A5.0 ★Texas Ratio: 7.35%	Conventional, HELOC	1 +6 HELOCs	0.1%	66.7%	$525,000	View
United Community Bank 7400 Adairsville Hwy, Adairsville, GA 30103 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$315,000	View
Renasant Bank 301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$455,000	View
United Bank Va 2775 Old Milton Parkway, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.15%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$405,000	View
First Ciitizens Bank and Trust 10865 Haynes Bridge Rd, Alpharetta, GA 30022 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$45,000	View
Southern First Bank 309 E Paces Ferry Rd Ne, Atlanta, GA 30305 A+5.0 ★Texas Ratio: 3.08%	Conventional	1	0.1%	100%	$295,000	View
First Community Bank 771 Broad St Ste 100, Augusta, GA 30901 A+5.0 ★Texas Ratio: 0.38%	Conventional	1	0.1%	100%	$225,000	View
Community Bank of Pickens County 15 Sammy Mcghee Blvd, Jasper, GA 30143 A+5.0 ★Texas Ratio: 1.43%	Conventional	1	0.1%	100%	$125,000	View
Georgia United Credit Union 190 Gaines School Rd, Athens, GA 30605 3118 A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +9 HELOCs	0%	n/a		View
Synovus Bank 2102 E Oglethorpe Blvd, Albany, GA 31705	HELOC	0 +8 HELOCs	0%	n/a
Fifth Third Bank, National Association 2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +4 HELOCs	0%	n/a		View
MyGeorgia Credit Union 205 Collins Industrial Blvd, Athens, GA 30601 A+5.0 ★Texas Ratio: 2.90%	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
Firstbank 400 17th St Nw, Atlanta, GA 30363 A5.0 ★Texas Ratio: 7.51%	HELOC	0 +1 HELOCs	0%	0%		View
Mortgage Assurance Inc	Conventional, FHA	11	1.3%	100%	$401,363
Amerisave Mortgage Company	Conventional, FHA	8	0.9%	38.1%	$98,750
Milend, Inc	Conventional, FHA	6	0.7%	85.7%	$330,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA	3	0.4%	100%	$268,333	View
First Option Mortgage, LLC	Conventional, FHA	3	0.4%	100%	$258,333
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$125,000
Direct Lenders, LLC.	FHA	1	0.1%	100%	$375,000
BoxCar Mortgage, LLC	Conventional	1	0.1%	100%	$225,000
Acu	HELOC	0 +2 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo	109	12.9%	88.3%	$314,816
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	79 +4 HELOCs	9.4%	87%	$429,303
Pennymac Loan Services LLC	Conventional, FHA, VA	23	2.7%	88.9%	$350,217
Fairway Independent Mort Corp	Conventional, FHA, VA, HELOC	18 +1 HELOCs	2.1%	94.7%	$411,111
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	17	2%	79.2%	$410,882
Nationstar Mortgage	Conventional, FHA	17	2%	94.4%	$194,411
Kind Lending, LLC	Conventional, FHA	15	1.8%	83.3%	$421,666
Spring Eq, LLC	Conventional, HELOC	14 +4 HELOCs	1.7%	70%	$109,285
Prosperity Home Mortgage, LLC	Conventional	14	1.7%	93.3%	$449,285
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	13 +2 HELOCs	1.5%	100%	$421,153
First Heritage Mortgage, LLC	Conventional, FHA	12	1.4%	92.3%	$440,833
Everett Financial, Inc.	Conventional, FHA	11	1.3%	75%	$401,363
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	10 +2 HELOCs	1.2%	100%	$453,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	9 +13 HELOCs	1.1%	69.2%	$325,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	9	1.1%	50%	$288,333
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA	9	1.1%	100%	$419,444
Newrez LLC	Conventional, FHA, VA, Jumbo	8	0.9%	57.1%	$417,500
Homeowners Financial Group, LLC	Conventional, FHA	8	0.9%	100%	$350,000
loanDepot.com LLC	Conventional, FHA, HELOC	7 +3 HELOCs	0.8%	80%	$203,571
Go Mortgage, LLC	Conventional	7	0.8%	100%	$375,000
Zillow Home Loans, LLC	Conventional	7	0.8%	87.5%	$390,714
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	6 +7 HELOCs	0.7%	60%	$118,333	View
Guaranteed Rate Affinity, LLC	Conventional, FHA, HELOC	6 +1 HELOCs	0.7%	100%	$360,000
Onward Home Mortgage, LLC	Conventional, Jumbo	6	0.7%	100%	$581,666
New American Funding, LLC.	Conventional, FHA	6	0.7%	75%	$268,333
Cmg Mortgage Inc	Conventional, VA, HELOC	5 +1 HELOCs	0.6%	100%	$513,000
Envoy Mortgage, Ltd	Conventional, FHA	5	0.6%	100%	$353,000
Provident Funding Associates	Conventional	5	0.6%	100%	$341,000
American Pacific Mortgage Corporation	Conventional, FHA	5	0.6%	100%	$393,000
Mortgage Research Center	VA	5	0.6%	71.4%	$497,000
Acopia, LLC	Conventional, FHA	5	0.6%	100%	$271,000
Paramount Residential Mortgage	Conventional, FHA	5	0.6%	100%	$373,000
Success Mortgage Partners, Inc	Conventional	4	0.5%	100%	$445,000
Atlantic Bay Mortgage Group	Conventional, FHA, Jumbo	4	0.5%	100%	$682,500
Planet Home Lending, LLC	Conventional, FHA, VA	4	0.5%	100%	$245,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	4	0.5%	100%	$375,000	View
Mutual of Omaha Mortgage	Conventional, FHA	4	0.5%	80%	$532,500
Lower, LLC	Conventional, VA, Jumbo	4	0.5%	66.7%	$630,000
Plaza Home Mortgage, Inc	Conventional, FHA, VA	4	0.5%	80%	$347,500
The Loan Store, Inc	Conventional, HELOC	3 +4 HELOCs	0.4%	100%	$398,333
HomeBridge Financial Services, Inc	Conventional, HELOC	3 +2 HELOCs	0.4%	75%	$328,333
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	3	0.4%	100%	$615,000	View
Canopy Mortgage, LLC	Conventional, FHA	3	0.4%	100%	$421,666
Assurance Financial Group, L.L.C.	Conventional	3	0.4%	100%	$528,333
Stockton Mortgage Corporation	Conventional, VA	3	0.4%	75%	$318,333
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.4%	75%	$181,666	View
Nexera Holding LLC	Conventional	3	0.4%	75%	$238,333
JMAC Lending, Inc.	Conventional, FHA, VA	3	0.4%	100%	$428,333
Better Mortgage Corporation	Conventional, HELOC	2 +4 HELOCs	0.2%	66.7%	$430,000
Goodleap, LLC	Conventional, HELOC	2 +3 HELOCs	0.2%	66.7%	$395,000
EMM Loans LLC	Conventional, VA	2	0.2%	100%	$730,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.2%	66.7%	$330,000	View
Liberty Federal Credit Union	Conventional	2	0.2%	100%	$490,000
Guaranteed Rate, Inc.	Conventional	2	0.2%	100%	$395,000
Acrisure Mortgage, LLC	Conventional	2	0.2%	100%	$510,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	2	0.2%	100%	$320,000	View
AmeriHome Mortgage Company, LLC	Conventional, FHA	2	0.2%	100%	$310,000
PHH Mortgage Corporation	Conventional	2	0.2%	100%	$285,000
Deephaven Mortgage LLC	Conventional	2	0.2%	100%	$340,000
Princeton Mortgage Corporation	Conventional	2	0.2%	100%	$530,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	2	0.2%	100%	$355,000	View
Shelter Home Mortgage, LLC	Conventional	2	0.2%	100%	$395,000
Discover Bank	Conventional	2	0.2%	20%	$115,000
Lennar Mortgage, LLC	Conventional, FHA	2	0.2%	100%	$480,000
American Federal Mortgage Corporation A+5.0 ★Texas Ratio: 0.00%	Conventional	2	0.2%	100%	$360,000	View
Bay Equity LLC	Conventional	2	0.2%	100%	$315,000
First Colony Mortgage Corporat	Conventional, FHA	2	0.2%	100%	$205,000
American Heritage Lending, LLC	Conventional	2	0.2%	100%	$350,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.2%	100%	$365,000	View
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	2	0.2%	100%	$420,000
Saygo Home Loans, LLC	FHA, VA	2	0.2%	100%	$370,000
Tjc Mortgage Inc	Conventional	2	0.2%	66.7%	$575,000
Citadel Servicing Corporation	Conventional	2	0.2%	100%	$340,000
Summit Funding.Inc	FHA	2	0.2%	100%	$425,000
Carrington Mortgage Services LLC	Conventional	2	0.2%	33.3%	$65,000
Top Flite Financial, Inc.	Conventional, FHA	2	0.2%	100%	$190,000
Tomo Mortgage LLC	Conventional	2	0.2%	100%	$370,000
Champions Funding, LLC	Conventional	2	0.2%	100%	$555,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$535,000
Bank Ozk	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$355,000
Bank of England A5.0 ★Texas Ratio: 6.45%	FHA	1	0.1%	100%	$695,000	View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	100%	$775,000	View
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	50%	$465,000
American Financial Resources LLC	VA	1	0.1%	100%	$585,000
Primelending	Conventional	1	0.1%	100%	$235,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$155,000	View
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$315,000
Sage Home Loans Corporation	Conventional	1	0.1%	50%	$285,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$315,000
ALCOVA Mortgage, LLC	FHA	1	0.1%	100%	$345,000
Triad Financial Services, Inc.	Conventional	1	0.1%	66.7%	$145,000
Oaktree Funding Corp	Conventional	1	0.1%	100%	$495,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$405,000
AdvantageFirst Lending Inc	FHA	1	0.1%	100%	$355,000
Fidelity Lending Solutions Inc	Conventional	1	0.1%	100%	$215,000
AmWest Funding Corp	Conventional	1	0.1%	50%	$115,000
Sanctuary Home Mortgage, LLC	Conventional	1	0.1%	100%	$465,000
Valon Mortgage	Conventional	1	0.1%	100%	$185,000
Redwood Residential Acquisition Corporation	Conventional	1	0.1%	100%	$425,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$555,000	View
Nqm Funding, LLC	Conventional	1	0.1%	100%	$575,000
Sun West Mortgage Company, Inc	FHA	1	0.1%	100%	$445,000
American Financing Corporation	Conventional	1	0.1%	100%	$225,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$525,000
Ameritrust Mortgage Corporation	Conventional	1	0.1%	100%	$205,000
Nfm, Inc	Conventional	1	0.1%	100%	$335,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$65,000
New Century Bank A+5.0 ★Texas Ratio: 5.98%	Conventional	1	0.1%	100%	$795,000	View
Servis One, Inc	Conventional	1	0.1%	100%	$365,000
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$95,000
Embrace Home Loans, Inc.	FHA	1	0.1%	100%	$495,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$385,000	View
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	50%	$285,000	View
Waterstone Mortgage Corporation	VA	1	0.1%	100%	$395,000
Inb, National Association A5.0 ★Texas Ratio: 9.74%	Conventional	1	0.1%	100%	$405,000	View
Community Mortgage Corporation	Conventional	1	0.1%	100%	$685,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$425,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$305,000	View
Encore Bank A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo	1	0.1%	100%	$925,000	View
Member First Mortgage, LLC A+5.0 ★Texas Ratio: 1.12%	Conventional	1	0.1%	100%	$405,000	View
Mission Loans, LLC	Conventional	1	0.1%	100%	$105,000
Sente Mortgage, Inc.	Conventional	1	0.1%	100%	$295,000
Iserve Residential Lending	FHA	1	0.1%	100%	$485,000
Radius Financial Group Inc	Conventional	1	0.1%	100%	$305,000
Keystone Funding, Inc	VA	1	0.1%	100%	$485,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	1	0.1%	100%	$1,375,000	View
First United Bank and Trust Co A5.0 ★Texas Ratio: 10.43%	Conventional	1	0.1%	100%	$485,000	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$125,000	View
WSFS bank A+5.0 ★Texas Ratio: 3.10%	Conventional	1	0.1%	100%	$675,000	View
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$345,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$545,000	View
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$355,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$315,000	View
Village Capital & Investment	VA	1	0.1%	100%	$615,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$75,000
Figure Lending LLC	HELOC	0 +8 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +5 HELOCs	0%	n/a		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +3 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Tower Federal Credit Union A+5.0 ★Texas Ratio: 4.27%	HELOC	0 +1 HELOCs	0%	n/a		View
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 3.99%	HELOC	0 +1 HELOCs	0%	n/a		View
Geneva Financial LLC	HELOC	0 +1 HELOCs	0%	n/a
Honda Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lafayette Federal Credit Union D2.1 ★Texas Ratio: 14.02%	HELOC	0 +1 HELOCs	0%	n/a		View
Southern Energy Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Together Credit Union A+5.0 ★Texas Ratio: 4.25%	HELOC	0 +1 HELOCs	0%	n/a
Ithink Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Empeople Credit Union A+5.0 ★Texas Ratio: 5.75%	HELOC	0 +1 HELOCs	0%	n/a

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.

Holly Springs 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 Holly Springs, Georgia

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

Types of Mortgage Lenders in Holly Springs, GA

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

Mortgage companies and brokers 116 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 51 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 21 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 52 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 28 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 16 lenders. Loans above the conforming limit for higher priced homes Local lenders based in GA 22 lenders headquartered in Georgia, the closest thing to a mortgage lender near you

Who Lends in Holly Springs, GA

Independent mortgage companies closed 74.4 percent of home loans in Holly Springs, Georgia in 2025, banks 16 percent and credit unions 9.6 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, Truist Bank the largest bank and Credit Union of Georgia the largest credit union. Among lenders headquartered in Georgia, Credit Union of Georgia led with 38 loans.

74.4%

Mortgage companies

16%

Banks

9.6%

Credit unions

13%

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 Holly Springs, GA

Who is the largest mortgage lender in Holly Springs, GA?

By home loans closed in 2025, Truist Bank was the largest mortgage lender in Holly Springs, Georgia with 10 loans, about 1.2 percent of the market. The largest lender headquartered in Georgia was Credit Union of Georgia with 38 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Holly Springs, Georgia, Rocket Mortgage approved the highest share of completed applications in 2025 at 88.3 percent, against a 84.9 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 Holly Springs, GA mortgage lenders offer FHA, VA and USDA loans?

52 lenders closed FHA loans in Holly Springs, Georgia in 2025, led by Rocket Mortgage with 16. 28 lenders closed VA loans, led by United Wholesale Mortgage. 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 Holly Springs, GA lender list?

Yes. 51 banks and 21 credit unions closed home loans in Holly Springs, Georgia in 2025, alongside 116 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 Holly Springs, GA ranked on this page?

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