MonitorBankRates
☰
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
iAdvertiser Disclosure Advertiser DisclosureSome lenders listed may have a business relationship with MonitorBankRates. Rankings come only from federal loan counts, and health grades come from our own rating system. Advertiser relationships do not influence the order of the list, the grades, or the reviews shown.

Mortgage Lenders and Brokers in Ringgold, Georgia

Ringgold, Georgia mortgage lenders include FirstbankFirstbank5063 Alabama Hwy, Ringgold, GA 30736A5.0 ★Texas Ratio: 7.51%, First Horizon BankFirst Horizon Bank5038 Alabama Hwy, Ringgold, GA 30736A+5.0 ★Texas Ratio: 5.76%, First Financial Bank NAFirst Financial Bank NA4914 Battlefield Pkwy, Ringgold, GA 30736A+5.0 ★Texas Ratio: 4.65%, Regions BankRegions Bank4590 Morningside Dr, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.37%, Truist BankTruist Bank3340 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 2.87%, Pinnacle BankPinnacle Bank2102 E Oglethorpe Blvd, Albany, GA 31705A+5.0 ★Texas Ratio: 3.04%, Renasant BankRenasant Bank301 W 4th St, Adel, GA 31620A+5.0 ★Texas Ratio: 4.72%, Bank of America NABank of America NA4460 Cobb Parkway North Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA3334 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 5.36%, and United Community BankUnited Community Bank7400 Adairsville Hwy, Adairsville, GA 30103A+5.0 ★Texas Ratio: 2.97%. 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 Ringgold, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ringgold 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 Ringgold, Georgia

Market share is the lender's share of all home loans closed in Ringgold, 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.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
1 office in Ringgold
5063 Alabama Hwy, Ringgold, GA 30736
A5.0 ★Texas Ratio: 7.51%
Conventional, FHA, VA, HELOC 16
+16 HELOCs
2.1% 100% $356,875 View
★ 5 stars, 1 review
1 office in Ringgold
5038 Alabama Hwy, Ringgold, GA 30736
A+5.0 ★Texas Ratio: 5.76%
Conventional, HELOC 1
+7 HELOCs
0.1% 100% $415,000 View
1 office in Ringgold
4914 Battlefield Pkwy, Ringgold, GA 30736
A+5.0 ★Texas Ratio: 4.65%
HELOC 0
+2 HELOCs
0% n/a View
4590 Morningside Dr, Acworth, GA 30101
A+5.0 ★Texas Ratio: 4.37%
Conventional, FHA, HELOC 18
+16 HELOCs
2.4% 78.6% $140,000 View
★ 1 stars, 1 review
3340 Cobb Pkwy Nw, Acworth, GA 30101
A+5.0 ★Texas Ratio: 2.87%
Conventional, HELOC 5
+14 HELOCs
0.7% 83.3% $193,000 View
2102 E Oglethorpe Blvd, Albany, GA 31705
A+5.0 ★Texas Ratio: 3.04%
Conventional, FHA, HELOC 4
+4 HELOCs
0.5% 100% $347,500 View
301 W 4th St, Adel, GA 31620
A+5.0 ★Texas Ratio: 4.72%
Conventional 4 0.5% 80% $222,500 View
4460 Cobb Parkway North Nw, Acworth, GA 30101
A+5.0 ★Texas Ratio: 4.14%
Conventional, HELOC 3
+3 HELOCs
0.4% 100% $311,666 View
3334 Cobb Pkwy Nw, Acworth, GA 30101
A+5.0 ★Texas Ratio: 5.36%
Conventional 3 0.4% 42.9% $218,333 View
7400 Adairsville Hwy, Adairsville, GA 30103
A+5.0 ★Texas Ratio: 2.97%
Conventional, HELOC 2
+2 HELOCs
0.3% 66.7% $450,000 View
100 Red Bud Rd Ne, Calhoun, GA 30701
A5.0 ★Texas Ratio: 7.27%
Conventional 2 0.3% 66.7% $170,000 View
190 Gaines School Rd, Athens, GA 30605 3118
A+5.0 ★Texas Ratio: 5.53%
Conventional, HELOC 1
+4 HELOCs
0.1% 100% $385,000 View
Synovus Bank
2102 E Oglethorpe Blvd, Albany, GA 31705
Conventional, HELOC 1
+1 HELOCs
0.1% 100% $335,000
10865 Haynes Bridge Rd, Alpharetta, GA 30022
A5.0 ★Texas Ratio: 7.72%
Conventional, HELOC 1
+1 HELOCs
0.1% 100% $305,000 View
3891 Cobb Pkwy NW, Acworth, GA 30101
A+5.0 ★Texas Ratio: 2.70%
Conventional 1 0.1% 100% $215,000 View
★ 4 stars, 1 review
5895 Jeff Davis Ln Nw, Acworth, GA 30101
A+5.0 ★Texas Ratio: 1.82%
FHA 1 0.1% 100% $245,000 View
3350 Cobb Pkwy Nw, Acworth, GA 30101
A+5.0 ★Texas Ratio: 3.68%
HELOC 0
+1 HELOCs
0% 0% View
★ 1.7 stars, 3 reviews
3402 Cobb Pkwy Nw, Acworth, GA 30101
A+5.0 ★Texas Ratio: 4.24%
HELOC 0
+1 HELOCs
0% n/a View
D2.1 ★Texas Ratio: 14.02%
Conventional 6 0.8% 100% $328,333 View
Amerisave Mortgage Company
Conventional, FHA 5 0.7% 31.2% $135,000
Loanunited.Com, LLC
VA 2 0.3% 100% $205,000
A+5.0 ★Texas Ratio: 2.85%
Conventional 1 0.1% 100% $85,000 View
Equity Prime Mortgage LLC
VA 1 0.1% 100% $445,000
Credit Union Financial Services, LLC
Conventional 1 0.1% 100% $335,000
AgGeorgia Farm Credit
Conventional, Jumbo 1 0.1% 100% $945,000
Acu
HELOC 0
+1 HELOCs
0% n/a
Rocket Mortgage
Conventional, FHA, VA 80 10.6% 79% $183,375
Tennessee Valley Federal C U
Conventional, VA, HELOC 48
+18 HELOCs
6.4% 70.6% $227,083
Movement Mortgage, LLC
Conventional, FHA, VA, HELOC 40
+4 HELOCs
5.3% 97.9% $303,750
Summit Funding.Inc
Conventional, FHA 34 4.5% 100% $226,470
United Wholesale Mortgage
Conventional, FHA, VA, HELOC 31
+1 HELOCs
4.1% 88.6% $319,516
Leaderone Financial Corp.
Conventional, FHA, VA, USDA 29 3.9% 87.9% $219,137
Union Home Mortgage Corp.
Conventional, FHA, VA, USDA, HELOC 28
+1 HELOCs
3.7% 100% $275,000
Builtwell Bank
Conventional, Jumbo 28 3.7% 77.8% $207,500
Cmg Mortgage Inc
Conventional, FHA, VA, Jumbo, HELOC 24
+2 HELOCs
3.2% 100% $277,500
Pennymac Loan Services LLC
Conventional, FHA, VA 22 2.9% 88% $161,363
loanDepot.com LLC
Conventional, FHA, VA 18 2.4% 78.3% $245,000
New American Funding, LLC.
Conventional, FHA, VA, HELOC 15
+1 HELOCs
2% 88.2% $197,666
Mortgage Research Center
FHA, VA 13 1.7% 65% $253,461
Alameda Mortgage Corporation
Conventional, FHA 12 1.6% 100% $306,666
Freedom Mortgage Corporation
Conventional, FHA, VA 12 1.6% 83.3% $241,666
Highlands Residential Mortgage, Ltd.
Conventional, FHA 12 1.6% 92.9% $328,333
Mortgage Investors Group
Conventional, FHA 11 1.5% 100% $318,636
Ark-La-Tex Financial Services LLC
Conventional, VA, USDA 11 1.5% 100% $308,636
Nationstar Mortgage
Conventional, VA 10 1.3% 90.9% $166,000
Fairway Independent Mort Corp
Conventional, FHA, VA, USDA 10 1.3% 100% $248,000
Primelending
Conventional, FHA 9 1.2% 80% $243,888
Newrez LLC
Conventional, USDA 8 1.1% 53.3% $110,000
Vanderbilt Mortgage and Finance, Inc
Conventional 8 1.1% 32.4% $165,000
Lakeview Loan Servicing, LLC
Conventional, FHA 7 0.9% 87.5% $143,571
Tjc Mortgage Inc
Conventional, FHA 7 0.9% 87.5% $276,428
Carrington Mortgage Services LLC
Conventional, FHA 6 0.8% 70% $175,000
Spring Eq, LLC
Conventional, HELOC 5
+2 HELOCs
0.7% 35.7% $81,000
A+5.0 ★Texas Ratio: 0.38%
Conventional, FHA, USDA 5 0.7% 85.7% $367,000 View
A+5.0 ★Texas Ratio: 1.74%
Conventional, FHA, VA 5 0.7% 100% $435,000 View
Cadence Bank
Conventional, FHA, HELOC 4
+2 HELOCs
0.5% 66.7% $325,000
Success Mortgage Partners, Inc
Conventional, FHA 4 0.5% 100% $250,000
B-3.5 ★Texas Ratio: 6.80%
Conventional, VA 4 0.5% 66.7% $275,000 View
Churchill Mortgage Corporation
Conventional, FHA, VA 4 0.5% 100% $250,000
Planet Home Lending, LLC
Conventional, FHA, VA 4 0.5% 100% $295,000
Chattanooga Federal Employees Credit Union
Conventional 4 0.5% 100% $145,000
Lower, LLC
FHA, VA, HELOC 3
+1 HELOCs
0.4% 75% $368,333
AmeriHome Mortgage Company, LLC
FHA 3 0.4% 100% $321,666
A5.0 ★Texas Ratio: 8.01%
Conventional, FHA 3 0.4% 100% $261,666 View
Guild Mortgage Company
Conventional, FHA 3 0.4% 100% $211,666
Discover Bank
Conventional 3 0.4% 33.3% $101,666
Mortgage Solutions of Colorado
VA 3 0.4% 100% $278,333
21St Mortgage
Conventional 3 0.4% 100% $148,333
Guaranteed Rate Affinity, LLC
Conventional, USDA 2 0.3% 100% $320,000
Sage Home Loans Corporation
Conventional 2 0.3% 100% $490,000
AmWest Funding Corp
Conventional 2 0.3% 100% $290,000
Guaranty Mortgage Services, LLC
Conventional, FHA 2 0.3% 100% $270,000
Obsidian Financial Services
Conventional, FHA 2 0.3% 100% $260,000
Sun West Mortgage Company, Inc
FHA 2 0.3% 100% $310,000
Click n' Close, Inc.
Conventional, FHA 2 0.3% 66.7% $125,000
American Financing Corporation
Conventional 2 0.3% 40% $150,000
New Day Financial, LLC.
VA 2 0.3% 33.3% $330,000
Stockton Mortgage Corporation
Conventional, VA 2 0.3% 100% $160,000
A-5.0 ★Texas Ratio: 14.97%
Conventional, FHA 2 0.3% 100% $320,000 View
Paramount Residential Mortgage
FHA 2 0.3% 66.7% $230,000
A+5.0 ★Texas Ratio: 5.44%
Conventional, HELOC 1
+4 HELOCs
0.1% 100% $255,000 View
Guaranteed Rate, Inc.
FHA, HELOC 1
+1 HELOCs
0.1% 100% $175,000
A5.0 ★Texas Ratio: 8.14%
VA, HELOC 1
+1 HELOCs
0.1% 40% $165,000
Ruoff Mortgage Company
Conventional 1 0.1% 100% $245,000
A5.0 ★Texas Ratio: 13.21%
Conventional 1 0.1% 100% $385,000 View
American Financial Resources LLC
FHA 1 0.1% 100% $185,000
Royal United Mortgage LLC
Conventional 1 0.1% 66.7% $265,000
A-4.9 ★Texas Ratio: 16.48%
Conventional 1 0.1% 100% $355,000 View
Canopy Mortgage, LLC
FHA 1 0.1% 100% $515,000
A+5.0 ★Texas Ratio: 4.31%
Conventional 1 0.1% 100% $455,000 View
ALCOVA Mortgage, LLC
FHA 1 0.1% 100% $295,000
CrossCountry Mortgage, LLC
FHA 1 0.1% 50% $295,000
Kind Lending, LLC
Conventional 1 0.1% 100% $205,000
AdvantageFirst Lending Inc
FHA 1 0.1% 100% $175,000
A+5.0 ★Texas Ratio: 5.05%
FHA 1 0.1% 100% $215,000 View
PFN Lending Group, Inc.
Conventional 1 0.1% 100% $205,000
Marlin Mortgage Capital, LLC
FHA 1 0.1% 100% $125,000
ClearPath Lending
VA, Jumbo 1 0.1% 100% $965,000
★ 1 stars, 1 review
A+5.0 ★Texas Ratio: 2.87%
Conventional 1 0.1% 100% $335,000 View
A+5.0 ★Texas Ratio: 0.00%
Conventional 1 0.1% 100% $255,000 View
American Heritage Lending, LLC
Conventional 1 0.1% 100% $425,000
Homeowners Financial Group, LLC
FHA 1 0.1% 100% $295,000
First Heritage Mortgage, LLC
Conventional 1 0.1% 100% $245,000
Nfm, Inc
FHA 1 0.1% 100% $355,000
Cardinal Financial Company, Li
FHA 1 0.1% 100% $265,000
Capital Center LLC
Conventional 1 0.1% 100% $185,000
American Internet Mortgage, Inc.
Conventional 1 0.1% 100% $285,000
A5.0 ★Texas Ratio: 10.43%
Conventional 1 0.1% 100% $265,000 View
Atlantic Bay Mortgage Group
Conventional 1 0.1% 100% $105,000
A5.0 ★Texas Ratio: 11.06%
FHA 1 0.1% 100% $175,000 View
Intelliloan, Inc.
FHA 1 0.1% 100% $265,000
Provident Funding Associates
Conventional 1 0.1% 100% $315,000
A+5.0 ★Texas Ratio: 1.10%
Conventional 1 0.1% 100% $425,000 View
T2 Financial LLC
Conventional 1 0.1% 100% $205,000
Castle & Cooke Mortgage, LLC
Conventional 1 0.1% 100% $215,000
Lendsure Mortgage Corp.
Conventional 1 0.1% 100% $345,000
First Citizens National Bank
VA 1 0.1% 100% $485,000
Community Mortgage Corporation
Conventional 1 0.1% 100% $175,000
Wolfe Financial Inc
Conventional 1 0.1% 100% $255,000
Sierra Pacific Mortgage Co. Inc
Conventional 1 0.1% 100% $275,000
American Pacific Mortgage Corporation
Conventional 1 0.1% 100% $375,000
A+5.0 ★Texas Ratio: 2.20%
VA 1 0.1% 100% $375,000 View
Chattanooga Area Schools Federal Credit Union
Conventional 1 0.1% 100% $85,000
A+5.0 ★Texas Ratio: 1.12%
Conventional 1 0.1% 100% $205,000 View
Towne Mortgage Company
USDA 1 0.1% 100% $215,000
CU Community, LLC
Conventional 1 0.1% 100% $55,000
A-5.0 ★Texas Ratio: 14.93%
Conventional 1 0.1% 100% $245,000 View
Mutual of Omaha Mortgage
FHA 1 0.1% 50% $145,000
B-4.3 ★Texas Ratio: 23.12%
Conventional 1 0.1% 100% $275,000 View
A+5.0 ★Texas Ratio: 2.14%
USDA 1 0.1% 100% $225,000 View
A+5.0 ★Texas Ratio: 3.14%
Conventional 1 0.1% 100% $335,000 View
Reliance First Capital, LLC
FHA 1 0.1% 100% $215,000
A5.0 ★Texas Ratio: 9.09%
Conventional 1 0.1% 100% $345,000 View
Plaza Home Mortgage, Inc
VA 1 0.1% 100% $345,000
Tomo Mortgage LLC
Conventional 1 0.1% 100% $195,000
Village Capital & Investment
FHA 1 0.1% 66.7% $215,000
Figure Lending LLC
HELOC 0
+10 HELOCs
0% n/a
B4.5 ★Texas Ratio: 20.96%
HELOC 0
+4 HELOCs
0% n/a View
Lendage, LLC dba Achieve Loans
HELOC 0
+4 HELOCs
0% n/a
A+5.0 ★Texas Ratio: 0.98%
HELOC 0
+3 HELOCs
0% n/a View
A+5.0 ★Texas Ratio: 3.22%
HELOC 0
+2 HELOCs
0% n/a View
HomeBridge Financial Services, Inc
HELOC 0
+2 HELOCs
0% n/a
A+5.0 ★Texas Ratio: 2.32%
HELOC 0
+2 HELOCs
0% 0% View
Pentagon Federal Credit Union
HELOC 0
+1 HELOCs
0% n/a
The Loan Store, Inc
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.

Mortgage Lenders and Mortgage Brokers Near Me in Ringgold, Georgia

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

Types of Mortgage Lenders in Ringgold, GA

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

Who Lends in Ringgold, GA

Independent mortgage companies closed 73.2 percent of home loans in Ringgold, Georgia in 2025, banks 19 percent and credit unions 7.8 percent. Amerisave Mortgage Company was the largest mortgage company, Firstbank the largest bank and Georgia United Credit Union the largest credit union. Among lenders headquartered in Georgia, Renasant Bank led with 4 loans.

73.2%
Mortgage companies
19%
Banks
7.8%
Credit unions
24%
FHA loans
11%
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

Frequently Asked Questions About Mortgage Lenders in Ringgold, GA

Who is the largest mortgage lender in Ringgold, GA?

By home loans closed in 2025, Firstbank was the largest mortgage lender in Ringgold, Georgia with 16 loans, about 2.1 percent of the market. The largest lender headquartered in Georgia was Renasant Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Ringgold, Georgia, Rocket Mortgage approved the highest share of completed applications in 2025 at 79 percent, against a 81.1 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 Ringgold, GA mortgage lenders offer FHA, VA and USDA loans?

57 lenders closed FHA loans in Ringgold, Georgia in 2025, led by Summit Funding.Inc with 18. 31 lenders closed VA loans, led by Mortgage Research Center, and 9 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.

Are credit unions and local banks included in this Ringgold, GA lender list?

Yes. 42 banks and 12 credit unions closed home loans in Ringgold, Georgia in 2025, alongside 91 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 Ringgold, GA ranked on this page?

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