Mortgage Lenders and Brokers in Royston, 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
Royston, Georgia mortgage lenders include Pinnacle BankPinnacle Bank19 Westclock Cir, Royston, GA 30662A+5.0 ★Texas Ratio: 3.22%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust10865 Haynes Bridge Rd, Alpharetta, GA 30022A5.0 ★Texas Ratio: 7.72%, The Commercial BankThe Commercial Bank35 N 4th St, Colbert, GA 30628A+5.0 ★Texas Ratio: 1.44%, BankSouth Mortgage Company LLCBankSouth Mortgage Company LLC3290 Northside Pkwy Nw, Atlanta, GA 30327, United Community BankUnited Community Bank7400 Adairsville Hwy, Adairsville, GA 30103A+5.0 ★Texas Ratio: 2.97%, 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%, Georgia'S Own Credit UnionGeorgia'S Own Credit Union2101 Rosebrier Ave, Albany, GA 31705A5.0 ★Texas Ratio: 7.35%, Oconee State BankOconee State Bank1 Press Pl, Athens, GA 30601B4.5 ★Texas Ratio: 21.44%, and Credit Union of GeorgiaCredit Union of Georgia140 Riverstone Pkwy, Canton, GA 30114 6421A5.0 ★Texas Ratio: 6.49%. 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 Royston, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Royston 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 Royston, Georgia
Market share is the lender's share of all home loans closed in Royston, 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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2 offices in Royston 19 Westclock Cir, Royston, GA 30662 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo | 14 | 10.4% | 69.6% | $216,428 | View |
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10865 Haynes Bridge Rd, Alpharetta, GA 30022 A5.0 ★Texas Ratio: 7.72% |
Conventional | 3 | 2.2% | 100% | $65,000 | View |
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35 N 4th St, Colbert, GA 30628 A+5.0 ★Texas Ratio: 1.44% |
Conventional | 3 | 2.2% | 100% | $141,666 | View |
BankSouth Mortgage Company LLC
3290 Northside Pkwy Nw, Atlanta, GA 30327 |
Conventional | 2 | 1.5% | 100% | $235,000 | |
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7400 Adairsville Hwy, Adairsville, GA 30103 A+5.0 ★Texas Ratio: 2.97% |
FHA, HELOC | 1 +2 HELOCs |
0.7% | 100% | $125,000 | View |
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4590 Morningside Dr, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.37% |
FHA, HELOC | 1 +1 HELOCs |
0.7% | 100% | $275,000 | 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 | 1 +1 HELOCs |
0.7% | 100% | $165,000 | View |
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2101 Rosebrier Ave, Albany, GA 31705 A5.0 ★Texas Ratio: 7.35% |
Conventional | 1 | 0.7% | 50% | $125,000 | View |
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1 Press Pl, Athens, GA 30601 B4.5 ★Texas Ratio: 21.44% |
Conventional | 1 | 0.7% | 100% | $75,000 | View |
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140 Riverstone Pkwy, Canton, GA 30114 6421 A5.0 ★Texas Ratio: 6.49% |
Conventional | 1 | 0.7% | 100% | $65,000 | View |
Synovus Bank
2102 E Oglethorpe Blvd, Albany, GA 31705 |
USDA | 1 | 0.7% | 100% | $185,000 | |
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2900 Old Dawson Rd, Albany, GA 31721 A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
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190 Gaines School Rd, Athens, GA 30605 3118 A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2636 Atlanta Hwy, Athens, GA 30606 A+5.0 ★Texas Ratio: 1.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Milend, Inc
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FHA | 2 | 1.5% | 100% | $230,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.7% | 50% | $235,000 | |
Rocket Mortgage
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Conventional, FHA | 14 | 10.4% | 63.6% | $185,714 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA, USDA | 9 | 6.7% | 100% | $202,777 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 6% | 88.9% | $218,750 | |
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A5.0 ★Texas Ratio: 7.12% |
Conventional, FHA | 6 | 4.5% | 100% | $220,000 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 3% | 100% | $227,500 | |
Homeowners Financial Group, LLC
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Conventional, FHA, VA, USDA | 4 | 3% | 100% | $290,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 4 | 3% | 100% | $235,000 | |
Mortgage Research Center
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VA | 4 | 3% | 80% | $265,000 | |
New Day Financial, LLC.
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VA | 3 | 2.2% | 75% | $341,666 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
1.5% | 66.7% | $105,000 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 2 | 1.5% | 100% | $190,000 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 2 | 1.5% | 100% | $100,000 | |
Freedom Mortgage Corporation
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FHA | 2 | 1.5% | 75% | $355,000 | |
Kind Lending, LLC
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FHA | 2 | 1.5% | 100% | $290,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 1.5% | 100% | $205,000 | |
Sente Mortgage, Inc.
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FHA | 2 | 1.5% | 100% | $260,000 | |
Nations Direct Mortgage, LLC
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Conventional, FHA | 2 | 1.5% | 100% | $115,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 1.5% | 100% | $295,000 | |
21St Mortgage
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Conventional | 2 | 1.5% | 66.7% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1.5% | 100% | $130,000 | View |
Paramount Residential Mortgage
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FHA, VA | 2 | 1.5% | 100% | $320,000 | |
Geneva Financial LLC
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Conventional, FHA | 2 | 1.5% | 100% | $375,000 | |
Guaranteed Rate, Inc.
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FHA, HELOC | 1 +1 HELOCs |
0.7% | 100% | $215,000 | |
Spero Financial Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $85,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.7% | 33.3% | $45,000 | |
Envoy Mortgage, Ltd
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FHA | 1 | 0.7% | 100% | $225,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $255,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.7% | 100% | $155,000 | |
Guaranty Mortgage Services, LLC
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VA | 1 | 0.7% | 100% | $295,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.7% | 50% | $295,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.7% | 100% | $275,000 | |
Castle & Cooke Mortgage, LLC
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VA | 1 | 0.7% | 100% | $205,000 | |
Saygo Home Loans, LLC
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FHA | 1 | 0.7% | 100% | $195,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.7% | 100% | $155,000 | |
New American Funding, LLC.
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FHA | 1 | 0.7% | 50% | $185,000 | |
Right Start Mortgage, Inc
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FHA | 1 | 0.7% | 100% | $495,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.7% | 33.3% | $65,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.7% | 50% | $105,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.7% | 100% | $185,000 | |
Plaza Home Mortgage, Inc
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USDA | 1 | 0.7% | 100% | $245,000 | |
Village Capital & Investment
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VA | 1 | 0.7% | 100% | $365,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Royston 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 Royston, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Royston? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Royston in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Royston, GA
Use these to narrow the list above. Each category shows how many Royston, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Royston, GA
Independent mortgage companies closed 62.7 percent of home loans in Royston, Georgia in 2025, banks 34.3 percent and credit unions 3 percent. Milend, Inc was the largest mortgage company, Pinnacle Bank the largest bank and Georgia'S Own Credit Union the largest credit union. Among lenders headquartered in Georgia, Pinnacle Bank led with 14 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 Royston, GA
By home loans closed in 2025, Pinnacle Bank was the largest mortgage lender in Royston, Georgia with 14 loans, about 10.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
27 lenders closed FHA loans in Royston, Georgia in 2025, led by United Wholesale Mortgage with 4. 9 lenders closed VA loans, led by Mortgage Research Center, and 5 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. 14 banks and 6 credit unions closed home loans in Royston, Georgia in 2025, alongside 39 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 Royston, 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 Royston, 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 Royston. 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.
