Mortgage Lenders and Brokers in Sparta, 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
Sparta, Georgia mortgage lenders include BankSouth Mortgage Company LLCBankSouth Mortgage Company LLC3290 Northside Pkwy Nw, Atlanta, GA 30327, Peach State Federal Credit UnionPeach State Federal Credit Union155 Hawthorne Park, Athens, GA 30606A+5.0 ★Texas Ratio: 2.27%, Farmers State BankFarmers State Bank115 N Washington St, Lincolnton, GA 30817A+5.0 ★Texas Ratio: 0.60%, Atlanta Postal Credit UnionAtlanta Postal Credit Union3916 Tradeport Blvd, Atlanta, GA 30354, Robins Financial Credit UnionRobins Financial Credit Union2636 Atlanta Hwy, Athens, GA 30606A+5.0 ★Texas Ratio: 1.27%, Equity Prime Mortgage LLCEquity Prime Mortgage LLCAtlanta, GA, 21St Mortgage, American Financial Resources LLC, Guaranteed Rate, Inc., and Rocket Mortgage. 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 Sparta, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sparta 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 Sparta, Georgia
Market share is the lender's share of all home loans closed in Sparta, 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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BankSouth Mortgage Company LLC
3290 Northside Pkwy Nw, Atlanta, GA 30327 |
FHA | 1 | 5.6% | 100% | $145,000 | |
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155 Hawthorne Park, Athens, GA 30606 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 5.6% | 100% | $155,000 | View |
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115 N Washington St, Lincolnton, GA 30817 A+5.0 ★Texas Ratio: 0.60% |
Conventional | 1 | 5.6% | 100% | $115,000 | View |
Atlanta Postal Credit Union
3916 Tradeport Blvd, Atlanta, GA 30354 |
Conventional | 1 | 5.6% | 100% | $145,000 | |
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2636 Atlanta Hwy, Athens, GA 30606 A+5.0 ★Texas Ratio: 1.27% |
Conventional | 1 | 5.6% | 100% | $365,000 | View |
Equity Prime Mortgage LLC
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VA | 1 | 5.6% | 100% | $175,000 | |
21St Mortgage
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Conventional | 3 | 16.7% | 33.3% | $131,666 | |
American Financial Resources LLC
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VA | 1 | 5.6% | 100% | $205,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 5.6% | 100% | $515,000 | |
Rocket Mortgage
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Conventional | 1 | 5.6% | 50% | $85,000 | |
Everett Financial, Inc.
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USDA | 1 | 5.6% | 100% | $115,000 | |
Kinecta Federal Credit Union
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Conventional | 1 | 5.6% | 100% | $125,000 | |
Pennymac Loan Services LLC
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VA | 1 | 5.6% | 100% | $245,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 5.6% | 100% | $175,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 5.6% | 100% | $285,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 5.6% | 100% | $155,000 |
Sparta 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 Sparta, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Sparta? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sparta in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sparta, GA
Use these to narrow the list above. Each category shows how many Sparta, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Sparta, GA
Independent mortgage companies closed 66.7 percent of home loans in Sparta, Georgia in 2025, banks 11.1 percent and credit unions 22.2 percent. Equity Prime Mortgage LLC was the largest mortgage company, BankSouth Mortgage Company LLC the largest bank and Peach State Federal Credit Union the largest credit union. Among lenders headquartered in Georgia, BankSouth Mortgage Company LLC led with 1 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 Sparta, GA
By home loans closed in 2025, BankSouth Mortgage Company LLC was the largest mortgage lender in Sparta, Georgia with 1 loans, about 5.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Sparta, Georgia in 2025, led by BankSouth Mortgage Company LLC with 1. 3 lenders closed VA loans, led by Equity Prime Mortgage LLC, and 1 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. 2 banks and 4 credit unions closed home loans in Sparta, Georgia in 2025, alongside 10 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 Sparta, 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 Sparta, 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 Sparta. 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.
