Mortgage Lenders and Brokers in Sardis, 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
Sardis, Georgia mortgage lenders include First National Bank of WaynesboroFirst National Bank of Waynesboro626 N Liberty St, Waynesboro, GA 30830, First Community BankFirst Community Bank771 Broad St Ste 100, Augusta, GA 30901A+5.0 ★Texas Ratio: 0.38%, Regions BankRegions Bank4590 Morningside Dr, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.37%, AgGeorgia Farm CreditAgGeorgia Farm CreditPerry, GA, United Wholesale Mortgage, Southern BankSouthern BankA5.0 ★Texas Ratio: 8.01%, Rocket Mortgage, loanDepot.com LLC, Planet Home Lending, LLC, and Mortgage Research Center. 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 Sardis, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sardis 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 Sardis, Georgia
Market share is the lender's share of all home loans closed in Sardis, 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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First National Bank of Waynesboro
626 N Liberty St, Waynesboro, GA 30830 |
Conventional | 9 | 39.1% | 100% | $119,444 | |
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771 Broad St Ste 100, Augusta, GA 30901 A+5.0 ★Texas Ratio: 0.38% |
Conventional | 1 | 4.3% | 100% | $125,000 | View |
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4590 Morningside Dr, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
AgGeorgia Farm Credit
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Conventional | 1 | 4.3% | 50% | $425,000 | |
United Wholesale Mortgage
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Conventional, FHA | 3 | 13% | 100% | $115,000 | |
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A5.0 ★Texas Ratio: 8.01% |
Conventional | 3 | 13% | 60% | $65,000 | View |
Rocket Mortgage
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FHA | 1 | 4.3% | 100% | $145,000 | |
loanDepot.com LLC
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Conventional | 1 | 4.3% | 100% | $215,000 | |
Planet Home Lending, LLC
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FHA | 1 | 4.3% | 100% | $235,000 | |
Mortgage Research Center
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VA | 1 | 4.3% | 25% | $285,000 | |
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A+5.0 ★Texas Ratio: 0.55% |
Conventional | 1 | 4.3% | 100% | $355,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 4.3% | 50% | $145,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Sardis 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 Sardis, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Sardis? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sardis in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sardis, GA
Use these to narrow the list above. Each category shows how many Sardis, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Sardis, GA
Independent mortgage companies closed 39.1 percent of home loans in Sardis, Georgia in 2025, banks 60.9 percent and credit unions 0 percent. AgGeorgia Farm Credit was the largest mortgage company, First National Bank of Waynesboro the largest bank. Among lenders headquartered in Georgia, First National Bank of Waynesboro led with 9 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 Sardis, GA
By home loans closed in 2025, First National Bank of Waynesboro was the largest mortgage lender in Sardis, Georgia with 9 loans, about 39.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Sardis, Georgia in 2025, led by United Wholesale Mortgage with 1. 1 lenders closed VA loans, led by Mortgage Research Center. 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. 5 banks and 0 credit unions closed home loans in Sardis, Georgia in 2025, alongside 8 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 Sardis, 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 Sardis, 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 Sardis. 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.
