Mortgage Lenders and Brokers in Ray 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
Ray City, Georgia mortgage lenders include Farmers and Merchants BankFarmers and Merchants Bank2140 Old Covington Rd Ne, Conyers, GA 30013A-4.9 ★Texas Ratio: 15.86%, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, BankSouth Mortgage Company LLCBankSouth Mortgage Company LLC3290 Northside Pkwy Nw, Atlanta, GA 30327, Guardian BankGuardian Bank82 Railroad Ave E, Pearson, GA 31642A+5.0 ★Texas Ratio: 5.47%, Southeastern Credit UnionSoutheastern Credit Union15 Trade St, Brunswick, GA 31525A+5.0 ★Texas Ratio: 2.15%, Colony BankColony Bank2900 Old Dawson Rd, Albany, GA 31721A+5.0 ★Texas Ratio: 4.01%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3350 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 3.68%, Renasant BankRenasant Bank301 W 4th St, Adel, GA 31620A+5.0 ★Texas Ratio: 4.72%, Commercial Banking CompanyCommercial Banking Company110 W Main St, Hahira, GA 31632A+5.0 ★Texas Ratio: 0.32%, and Citizens Community BankCitizens Community Bank120 W Main St, Hahira, GA 31632A-4.6 ★Texas Ratio: 8.29%. 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 Ray City, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ray 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 Ray City, Georgia
Market share is the lender's share of all home loans closed in Ray 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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2140 Old Covington Rd Ne, Conyers, GA 30013 A-4.9 ★Texas Ratio: 15.86% |
Conventional | 19 | 7.9% | 84% | $101,315 | 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, FHA, VA, HELOC | 16 +1 HELOCs |
6.7% | 100% | $226,250 | View |
BankSouth Mortgage Company LLC
3290 Northside Pkwy Nw, Atlanta, GA 30327 |
Conventional, FHA, VA | 10 | 4.2% | 100% | $228,000 | |
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82 Railroad Ave E, Pearson, GA 31642 A+5.0 ★Texas Ratio: 5.47% |
Conventional | 5 | 2.1% | 100% | $75,000 | View |
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15 Trade St, Brunswick, GA 31525 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 2 | 0.8% | 100% | $160,000 | View |
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2900 Old Dawson Rd, Albany, GA 31721 A+5.0 ★Texas Ratio: 4.01% |
FHA, VA | 2 | 0.8% | 100% | $255,000 | View |
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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $355,000 | View |
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301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.4% | 100% | $285,000 | View |
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110 W Main St, Hahira, GA 31632 A+5.0 ★Texas Ratio: 0.32% |
Conventional | 1 | 0.4% | 100% | $45,000 | View |
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120 W Main St, Hahira, GA 31632 A-4.6 ★Texas Ratio: 8.29% |
Conventional | 1 | 0.4% | 100% | $45,000 | View |
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400 17th St Nw, Atlanta, GA 30363 A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.4% | 50% | $115,000 | View |
Synovus Bank
2102 E Oglethorpe Blvd, Albany, GA 31705 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
BoxCar Mortgage, LLC
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Conventional, FHA, VA | 5 | 2.1% | 100% | $275,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.8% | 100% | $240,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.4% | 100% | $335,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.4% | 33.3% | $215,000 | |
Acu
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Conventional | 1 | 0.4% | 100% | $255,000 | |
First Federal S&L Association
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Mortgage Research Center
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FHA, VA | 32 | 13.3% | 86.5% | $247,187 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 22 | 9.2% | 95.7% | $228,181 | |
Rocket Mortgage
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Conventional, FHA, VA | 16 | 6.7% | 70.8% | $219,375 | |
Fairway Independent Mort Corp
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FHA, VA | 9 | 3.8% | 90% | $249,444 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 7 +2 HELOCs |
2.9% | 77.8% | $223,571 | |
Freedom Mortgage Corporation
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VA | 7 | 2.9% | 100% | $233,571 | |
Newrez LLC
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Conventional, VA | 5 | 2.1% | 85.7% | $237,000 | |
Towne Mortgage Company
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FHA, VA, USDA | 4 | 1.7% | 100% | $180,000 | |
New American Funding, LLC.
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FHA, VA | 4 | 1.7% | 100% | $190,000 | |
21St Mortgage
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Conventional | 4 | 1.7% | 30.8% | $210,000 | |
First Commerce Credit Union
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Conventional, HELOC | 3 +4 HELOCs |
1.2% | 75% | $75,000 | |
Canopy Mortgage, LLC
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FHA, VA | 3 | 1.2% | 100% | $231,666 | |
Pennymac Loan Services LLC
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VA | 3 | 1.2% | 71.4% | $205,000 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 3 | 1.2% | 100% | $188,333 | |
Nationstar Mortgage
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Conventional, FHA, VA | 3 | 1.2% | 75% | $158,333 | |
Lower, LLC
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Conventional, VA, USDA | 3 | 1.2% | 100% | $231,666 | |
CrossCountry Mortgage, LLC
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FHA | 2 | 0.8% | 100% | $160,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.8% | 25% | $100,000 | |
loanDepot.com LLC
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FHA, VA | 2 | 0.8% | 100% | $255,000 | |
Guild Mortgage Company
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VA | 2 | 0.8% | 100% | $270,000 | |
Sfmc, LP
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VA | 2 | 0.8% | 100% | $240,000 | |
Sun West Mortgage Company, Inc
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VA | 2 | 0.8% | 100% | $275,000 | |
Click n' Close, Inc.
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VA | 2 | 0.8% | 100% | $260,000 | |
Cardinal Financial Company, Li
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FHA, VA | 2 | 0.8% | 100% | $190,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.8% | 100% | $300,000 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 2 | 0.8% | 100% | $60,000 | |
Goodleap, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $85,000 | |
Residential Wholesale Mortgage
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VA | 1 | 0.4% | 100% | $175,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $45,000 | |
Nbkc Bank
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VA | 1 | 0.4% | 66.7% | $255,000 | |
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D3.3 ★Texas Ratio: 35.11% |
VA | 1 | 0.4% | 100% | $245,000 | View |
Movement Mortgage, LLC
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VA | 1 | 0.4% | 100% | $265,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.4% | 100% | $235,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.4% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 0.4% | 100% | $275,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Nfm, Inc
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FHA | 1 | 0.4% | 100% | $175,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 100% | $275,000 | View |
American Pacific Mortgage Corporation
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VA | 1 | 0.4% | 100% | $285,000 | |
Stockton Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $155,000 | |
Nations Direct Mortgage, LLC
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VA | 1 | 0.4% | 100% | $215,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.4% | 100% | $235,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Mortgage Investors Group
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FHA | 1 | 0.4% | 100% | $315,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.4% | 16.7% | $105,000 | |
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A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.4% | 100% | $245,000 | View |
Geneva Financial LLC
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Conventional | 1 | 0.4% | 100% | $195,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.4% | 100% | $75,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Bank Ozk
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ray 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 Ray City, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Ray City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ray City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ray City, GA
Use these to narrow the list above. Each category shows how many Ray City, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Ray City, GA
Independent mortgage companies closed 68.8 percent of home loans in Ray City, Georgia in 2025, banks 25.8 percent and credit unions 5.4 percent. BoxCar Mortgage, LLC was the largest mortgage company, Farmers and Merchants Bank the largest bank and Southeastern Credit Union the largest credit union. Among lenders headquartered in Georgia, Farmers and Merchants 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 Ray City, GA
By home loans closed in 2025, Farmers and Merchants Bank was the largest mortgage lender in Ray City, Georgia with 19 loans, about 7.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Ray City, Georgia in 2025, led by Ameris Bank with 7. 35 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 18 banks and 4 credit unions closed home loans in Ray City, Georgia in 2025, alongside 47 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 Ray 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 Ray 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 Ray 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.
