Mortgage Lenders and Brokers in Lake City, 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
Lake City, Georgia mortgage lenders include Regions BankRegions Bank4590 Morningside Dr, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.37%, Southeast Mortgage of Georgia, Inc.Southeast Mortgage of Georgia, Inc.5045 Highway 53, Braselton, GA 30517A+5.0 ★Texas Ratio: 0.06%, Truist BankTruist Bank3340 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.3402 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.24%, 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%, Bank of America NABank of America NA4460 Cobb Parkway North Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.14%, Delta Community Credit UnionDelta Community Credit Union11575 Haynes Bridge Rd, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 1.24%, First Option Mortgage, LLCFirst Option Mortgage, LLCSuwanee, GA, and Rocket Mortgage. 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 Lake City, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lake City 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 Lake City, Georgia
Market share is the lender's share of all home loans closed in Lake City, 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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4590 Morningside Dr, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 3 | 3.9% | 50% | $165,000 | View |
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5045 Highway 53, Braselton, GA 30517 A+5.0 ★Texas Ratio: 0.06% |
Conventional | 2 | 2.6% | 100% | $205,000 | View |
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★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 2 | 2.6% | 100% | $105,000 | View |
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★ 1.7 stars, 3 reviews 3402 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
1.3% | 50% | $245,000 | View |
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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.3% | 100% | $225,000 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 1.3% | 100% | $255,000 | View |
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4460 Cobb Parkway North Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 1.3% | 50% | $245,000 | View |
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11575 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 1.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Option Mortgage, LLC
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Conventional | 1 | 1.3% | 100% | $135,000 | |
Rocket Mortgage
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Conventional, FHA | 14 | 18.4% | 73.7% | $174,285 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 7.9% | 85.7% | $273,333 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 4 +1 HELOCs |
5.3% | 80% | $175,000 | |
Everett Financial, Inc.
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Conventional, FHA, VA | 4 | 5.3% | 100% | $187,500 | |
Mortgage Research Center
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VA | 4 | 5.3% | 83.3% | $270,000 | |
AmWest Funding Corp
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Conventional | 3 | 3.9% | 100% | $178,333 | |
American Financing Corporation
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Conventional, FHA | 3 | 3.9% | 75% | $101,666 | |
Freedom Mortgage Corporation
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VA | 2 | 2.6% | 66.7% | $240,000 | |
Newrez LLC
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Conventional, FHA | 2 | 2.6% | 66.7% | $150,000 | |
Diamond Residential Mtg Corp
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Conventional, FHA | 2 | 2.6% | 100% | $130,000 | |
New Day Financial, LLC.
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VA | 2 | 2.6% | 100% | $270,000 | |
American Pacific Mortgage Corporation
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FHA, VA | 2 | 2.6% | 66.7% | $180,000 | |
Acopia, LLC
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Conventional, FHA | 2 | 2.6% | 100% | $130,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 2.6% | 100% | $145,000 | |
Carrington Mortgage Services LLC
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Conventional | 2 | 2.6% | 100% | $225,000 | |
Panorama Mortgage Group, LLC
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Conventional | 1 | 1.3% | 100% | $215,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 1.3% | 100% | $265,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 1.3% | 100% | $115,000 | |
American Financial Network, Inc.
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FHA | 1 | 1.3% | 100% | $165,000 | |
Constant Investments, Inc
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Conventional | 1 | 1.3% | 100% | $205,000 | |
Onward Home Mortgage, LLC
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FHA | 1 | 1.3% | 100% | $335,000 | |
Discover Bank
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Conventional | 1 | 1.3% | 20% | $35,000 | |
First Heritage Mortgage, LLC
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Conventional | 1 | 1.3% | 100% | $205,000 | |
The Loan Store, Inc
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FHA | 1 | 1.3% | 100% | $245,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 1.3% | 100% | $125,000 | |
Movement Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lake City 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 Lake City, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Lake City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lake City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lake City, GA
Use these to narrow the list above. Each category shows how many Lake City, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Lake City, GA
Independent mortgage companies closed 84.2 percent of home loans in Lake City, Georgia in 2025, banks 13.2 percent and credit unions 2.6 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, Regions Bank the largest bank and Delta Community Credit Union the largest credit union. Among lenders headquartered in Georgia, Southeast Mortgage of Georgia, Inc. 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 Lake City, GA
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Lake City, Georgia with 3 loans, about 3.9 percent of the market. The largest lender headquartered in Georgia was Southeast Mortgage of Georgia, Inc. with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Lake City, Georgia in 2025, led by Rocket Mortgage with 3. 6 lenders closed VA loans, led by Mortgage Research Center. 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 2 credit unions closed home loans in Lake City, Georgia in 2025, alongside 27 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 Lake City, 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 Lake City, 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 Lake City. 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.
