Mortgage Lenders and Brokers in Lincolnton, 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
Lincolnton, Georgia mortgage lenders include Farmers State BankFarmers State Bank115 N Washington St, Lincolnton, GA 30817A+5.0 ★Texas Ratio: 0.60%, F & M BankF & M Bank317 S Washington St, Lincolnton, GA 30817A+5.0 ★Texas Ratio: 4.11%, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, Regions BankRegions Bank4590 Morningside Dr, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.37%, Southstate Bank, National AssociationSouthstate Bank, National Association11760 Haynes Bridge Rd, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 2.27%, Delta Community Credit UnionDelta Community Credit Union11575 Haynes Bridge Rd, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 1.24%, Thomasville National BankThomasville National Bank100 Island Professional Park, Saint Simons Island, GA 31522A+5.0 ★Texas Ratio: 2.03%, Wells Fargo Bank NAWells Fargo Bank NA3334 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 5.36%, Pinnacle BankPinnacle Bank1081 Parkway Blvd, Athens, GA 30606A+5.0 ★Texas Ratio: 3.22%, and Synovus BankSynovus Bank2102 E Oglethorpe Blvd, Albany, GA 31705. 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 Lincolnton, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lincolnton 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 Lincolnton, Georgia
Market share is the lender's share of all home loans closed in Lincolnton, 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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115 N Washington St, Lincolnton, GA 30817 A+5.0 ★Texas Ratio: 0.60% |
Conventional | 19 | 19.8% | 100% | $184,473 | View |
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317 S Washington St, Lincolnton, GA 30817 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 9 | 9.4% | 100% | $177,222 | 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 | 3 | 3.1% | 100% | $338,333 | View |
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4590 Morningside Dr, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 2 +2 HELOCs |
2.1% | 50% | $375,000 | View |
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★ 5 stars, 1 review 11760 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA | 2 | 2.1% | 100% | $320,000 | View |
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11575 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 1.24% |
Conventional | 1 | 1% | 100% | $475,000 | View |
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100 Island Professional Park, Saint Simons Island, GA 31522 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 1 | 1% | 100% | $685,000 | View |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1% | 100% | $215,000 | View |
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1081 Parkway Blvd, Athens, GA 30606 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 1% | 100% | $345,000 | View |
Synovus Bank
2102 E Oglethorpe Blvd, Albany, GA 31705 |
Conventional | 1 | 1% | 100% | $715,000 | |
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2900 Old Dawson Rd, Albany, GA 31721 A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 1% | 100% | $145,000 | View |
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1450 Greene St, Augusta, GA 30901 A+5.0 ★Texas Ratio: 4.52% |
Conventional | 1 | 1% | 100% | $595,000 | View |
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2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 1% | 100% | $455,000 | View |
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10865 Haynes Bridge Rd, Alpharetta, GA 30022 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
AgGeorgia Farm Credit
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Conventional | 2 | 2.1% | 100% | $310,000 | |
Amerisave Mortgage Company
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Rocket Mortgage
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Conventional, FHA, VA | 9 | 9.4% | 90% | $292,777 | |
SRP Federal Credit Union
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Conventional | 7 | 7.3% | 77.8% | $290,714 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 4.2% | 100% | $292,500 | |
Movement Mortgage, LLC
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Conventional, VA | 3 | 3.1% | 100% | $405,000 | |
Pennymac Loan Services LLC
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Conventional | 3 | 3.1% | 100% | $218,333 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, VA | 3 | 3.1% | 100% | $308,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
2.1% | 100% | $90,000 | |
Mortgage Research Center
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VA | 2 | 2.1% | 100% | $340,000 | |
Mutual of Omaha Mortgage
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FHA, VA | 2 | 2.1% | 66.7% | $335,000 | |
Cadence Bank
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Conventional | 1 | 1% | 100% | $435,000 | |
American Financial Resources LLC
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FHA | 1 | 1% | 100% | $245,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1% | 100% | $495,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 1% | 100% | $195,000 | |
Newrez LLC
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Conventional | 1 | 1% | 50% | $55,000 | |
loanDepot.com LLC
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FHA | 1 | 1% | 100% | $105,000 | |
Guild Mortgage Company
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VA | 1 | 1% | 100% | $295,000 | |
New Day Financial, LLC.
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VA | 1 | 1% | 100% | $365,000 | |
Nationstar Mortgage
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Conventional | 1 | 1% | 50% | $265,000 | |
Towne Mortgage Company
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FHA | 1 | 1% | 100% | $135,000 | |
New American Funding, LLC.
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Conventional | 1 | 1% | 100% | $335,000 | |
Liberty Home Mortgage Corp
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FHA | 1 | 1% | 100% | $65,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 1% | 100% | $235,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 1% | 100% | $235,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 1% | 50% | $165,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 1% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lincolnton 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 Lincolnton, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Lincolnton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lincolnton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lincolnton, GA
Use these to narrow the list above. Each category shows how many Lincolnton, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Lincolnton, GA
Independent mortgage companies closed 42.7 percent of home loans in Lincolnton, Georgia in 2025, banks 46.9 percent and credit unions 10.4 percent. AgGeorgia Farm Credit was the largest mortgage company, Farmers State Bank the largest bank and Delta Community Credit Union the largest credit union. Among lenders headquartered in Georgia, Farmers State Bank led with 19 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 Lincolnton, GA
By home loans closed in 2025, Farmers State Bank was the largest mortgage lender in Lincolnton, Georgia with 19 loans, about 19.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Lincolnton, Georgia in 2025, led by Southstate Bank, National Association with 1. 9 lenders closed VA loans, led by Rocket 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.
Yes. 18 banks and 3 credit unions closed home loans in Lincolnton, Georgia in 2025, alongside 23 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 Lincolnton, 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 Lincolnton, 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 Lincolnton. 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.
