Mortgage Lenders and Brokers in Oxford, 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
Oxford, Georgia mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3350 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 3.68%, Pinnacle BankPinnacle Bank1081 Parkway Blvd, Athens, GA 30606A+5.0 ★Texas Ratio: 3.22%, Georgia'S Own Credit UnionGeorgia'S Own Credit Union2101 Rosebrier Ave, Albany, GA 31705A5.0 ★Texas Ratio: 7.35%, Truist BankTruist Bank3340 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 2.87%, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, PNC Bank N.A.PNC Bank N.A.3402 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.24%, Robins Financial Credit UnionRobins Financial Credit Union2636 Atlanta Hwy, Athens, GA 30606A+5.0 ★Texas Ratio: 1.27%, Affinity BankAffinity Bank400 Galleria Pkwy Se, Atlanta, GA 30339A+5.0 ★Texas Ratio: 2.98%, Regions BankRegions Bank4590 Morningside Dr, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.37%, 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 Oxford, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oxford 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 Oxford, Georgia
Market share is the lender's share of all home loans closed in Oxford, 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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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 3.8% | 83.3% | $303,000 | View |
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1081 Parkway Blvd, Athens, GA 30606 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 4 | 3.1% | 80% | $160,000 | View |
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2101 Rosebrier Ave, Albany, GA 31705 A5.0 ★Texas Ratio: 7.35% |
Conventional, HELOC | 2 +1 HELOCs |
1.5% | 100% | $90,000 | View |
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★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +1 HELOCs |
1.5% | 100% | $465,000 | 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 | 2 | 1.5% | 100% | $125,000 | 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 |
0.8% | 100% | $325,000 | View |
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2636 Atlanta Hwy, Athens, GA 30606 A+5.0 ★Texas Ratio: 1.27% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $155,000 | View |
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400 Galleria Pkwy Se, Atlanta, GA 30339 A+5.0 ★Texas Ratio: 2.98% |
Conventional | 1 | 0.8% | 33.3% | $115,000 | View |
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4590 Morningside Dr, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.8% | 100% | $385,000 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
FHA | 1 | 0.8% | 100% | $445,000 | View |
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1 Press Pl, Athens, GA 30601 B4.5 ★Texas Ratio: 21.44% |
Conventional | 1 | 0.8% | 100% | $45,000 | View |
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4460 Cobb Parkway North Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.8% | 50% | $365,000 | View |
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11575 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 1.24% |
Conventional | 1 | 0.8% | 100% | $105,000 | View |
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5045 Highway 53, Braselton, GA 30517 A+5.0 ★Texas Ratio: 0.06% |
Conventional | 1 | 0.8% | 100% | $405,000 | View |
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1701 Columbia Ave Ste 135, College Park, GA 30337 A5.0 ★Texas Ratio: 8.01% |
Conventional | 1 | 0.8% | 100% | $255,000 | View |
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2775 Old Milton Parkway, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.8% | 50% | $455,000 | View |
Atlanta Postal Credit Union
3916 Tradeport Blvd, Atlanta, GA 30354 |
Conventional | 1 | 0.8% | 100% | $225,000 | |
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141 E Greene St, Monticello, GA 31064 A+5.0 ★Texas Ratio: 5.63% |
Conventional | 1 | 0.8% | 100% | $25,000 | View |
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190 Gaines School Rd, Athens, GA 30605 3118 A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
Equity Prime Mortgage LLC
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FHA | 2 | 1.5% | 100% | $410,000 | |
First Option Mortgage, LLC
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Conventional, FHA | 2 | 1.5% | 100% | $355,000 | |
Acu
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Conventional, HELOC | 1 +2 HELOCs |
0.8% | 100% | $125,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $805,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 15 +1 HELOCs |
11.5% | 88.2% | $430,333 | |
Rocket Mortgage
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Conventional, FHA, Jumbo | 15 | 11.5% | 75% | $237,666 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 5 | 3.8% | 100% | $177,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 4 | 3.1% | 100% | $322,500 | |
Nationstar Mortgage
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Conventional, FHA | 4 | 3.1% | 100% | $220,000 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +3 HELOCs |
2.3% | 66.7% | $91,666 | |
Better Mortgage Corporation
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Conventional, VA, HELOC | 3 +1 HELOCs |
2.3% | 75% | $461,666 | |
Freedom Mortgage Corporation
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VA | 3 | 2.3% | 100% | $485,000 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 2.3% | 75% | $338,333 | |
Guild Mortgage Company
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FHA, VA | 3 | 2.3% | 100% | $535,000 | |
Mortgage Research Center
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VA | 3 | 2.3% | 100% | $328,333 | |
Newrez LLC
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Conventional, VA | 2 | 1.5% | 60% | $310,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 1.5% | 100% | $500,000 | |
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A5.0 ★Texas Ratio: 7.12% |
FHA | 2 | 1.5% | 100% | $320,000 | View |
Zillow Home Loans, LLC
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Conventional, VA | 2 | 1.5% | 100% | $400,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 2 | 1.5% | 100% | $160,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 50% | $125,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $295,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.8% | 100% | $515,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.8% | 100% | $615,000 | View |
Everett Financial, Inc.
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FHA | 1 | 0.8% | 100% | $185,000 | |
MortgageOne, Inc
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FHA | 1 | 0.8% | 100% | $395,000 | |
Envoy Mortgage, Ltd
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FHA | 1 | 0.8% | 100% | $235,000 | |
Movement Mortgage, LLC
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FHA | 1 | 0.8% | 100% | $535,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.8% | 50% | $145,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.8% | 100% | $515,000 | |
Diamond Residential Mtg Corp
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VA | 1 | 0.8% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 0.8% | 100% | $665,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.8% | 100% | $145,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.8% | 100% | $445,000 | |
Credit Union 1
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Conventional | 1 | 0.8% | 100% | $35,000 | |
Homeowners Financial Group, LLC
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VA | 1 | 0.8% | 100% | $325,000 | |
Nfm, Inc
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VA | 1 | 0.8% | 100% | $445,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.8% | 100% | $285,000 | |
New Day Financial, LLC.
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VA | 1 | 0.8% | 100% | $315,000 | |
Gardner Financial Services
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Conventional | 1 | 0.8% | 100% | $415,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.8% | 100% | $255,000 | |
Endeavor Capital, LLC
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FHA | 1 | 0.8% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
VA | 1 | 0.8% | 100% | $385,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.8% | 100% | $215,000 | |
Village Capital & Investment
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VA | 1 | 0.8% | 100% | $635,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Southern Energy Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Ithink Financial Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Oxford 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 Oxford, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Oxford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oxford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oxford, GA
Use these to narrow the list above. Each category shows how many Oxford, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Oxford, GA
Independent mortgage companies closed 71.5 percent of home loans in Oxford, Georgia in 2025, banks 20.8 percent and credit unions 7.7 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Georgia'S Own Credit Union the largest credit union. Among lenders headquartered in Georgia, Pinnacle Bank led with 4 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 Oxford, GA
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Oxford, Georgia with 5 loans, about 3.8 percent of the market. The largest lender headquartered in Georgia was Pinnacle Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Oxford, Georgia in 2025, led by United Wholesale Mortgage with 4. 17 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.
Yes. 16 banks and 12 credit unions closed home loans in Oxford, Georgia in 2025, alongside 41 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 Oxford, 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 Oxford, 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 Oxford. 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.
