Mortgage Lenders and Brokers in St. Simons, 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
St. Simons, Georgia mortgage lenders include PrimeSouth BankPrimeSouth Bank3473 Us Highway 84, Blackshear, GA 31516A5.0 ★Texas Ratio: 8.84%, Capital City Home Loans, LLCCapital City Home Loans, LLC420 N Broad St, Cairo, GA 39828A+5.0 ★Texas Ratio: 2.55%, Truist BankTruist Bank3340 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 2.87%, Synovus BankSynovus Bank2102 E Oglethorpe Blvd, Albany, GA 31705, Thomasville National BankThomasville National Bank100 Island Professional Park, Saint Simons Island, GA 31522A+5.0 ★Texas Ratio: 2.03%, South Coast Bank & TrustSouth Coast Bank & Trust1500 Newcastle St, Brunswick, GA 31520A+5.0 ★Texas Ratio: 0.49%, Bank of America NABank of America NA4460 Cobb Parkway North Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.14%, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, Marshland Credit UnionMarshland Credit Union3650 Community Rd, Brunswick, GA 31520A+5.0 ★Texas Ratio: 1.76%, and Southeastern BankSoutheastern Bank15 Trade St, Brunswick, GA 31525A+5.0 ★Texas Ratio: 2.15%. 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 St. Simons, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Simons 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 St. Simons, Georgia
Market share is the lender's share of all home loans closed in St. Simons, 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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3473 Us Highway 84, Blackshear, GA 31516 A5.0 ★Texas Ratio: 8.84% |
Conventional, Jumbo | 31 | 6.1% | 100% | $1,381,129 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
Conventional, VA, Jumbo | 19 | 3.8% | 100% | $486,052 | View |
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★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, Jumbo, HELOC | 13 +12 HELOCs |
2.6% | 100% | $864,230 | View |
Synovus Bank
2102 E Oglethorpe Blvd, Albany, GA 31705 |
Conventional, Jumbo, HELOC | 12 +13 HELOCs |
2.4% | 92.3% | $870,833 | |
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100 Island Professional Park, Saint Simons Island, GA 31522 A+5.0 ★Texas Ratio: 2.03% |
Conventional, Jumbo | 11 | 2.2% | 100% | $1,029,545 | View |
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1500 Newcastle St, Brunswick, GA 31520 A+5.0 ★Texas Ratio: 0.49% |
Conventional, Jumbo | 11 | 2.2% | 92.9% | $565,000 | View |
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4460 Cobb Parkway North Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 8 +6 HELOCs |
1.6% | 100% | $1,481,250 | 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, HELOC | 6 +4 HELOCs |
1.2% | 100% | $441,666 | View |
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3650 Community Rd, Brunswick, GA 31520 A+5.0 ★Texas Ratio: 1.76% |
Conventional, Jumbo | 6 | 1.2% | 100% | $691,666 | View |
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15 Trade St, Brunswick, GA 31525 A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo | 6 | 1.2% | 100% | $548,333 | View |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 5 | 1% | 100% | $949,000 | View |
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7400 Adairsville Hwy, Adairsville, GA 30103 A+5.0 ★Texas Ratio: 2.97% |
Conventional, Jumbo, HELOC | 3 +20 HELOCs |
0.6% | 75% | $421,666 | View |
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★ 5 stars, 1 review 2970 Peachtree Rd Nw, Atlanta, GA 30305 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.6% | 100% | $971,666 | View |
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3290 Northside Pkwy Nw, Atlanta, GA 30327 A+5.0 ★Texas Ratio: 4.19% |
Conventional | 2 | 0.4% | 100% | $515,000 | View |
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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 0.4% | 100% | $990,000 | View |
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3050 Peachtree Rd Nw, Atlanta, GA 30305 A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 2 | 0.4% | 100% | $4,005,000 | View |
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4590 Morningside Dr, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo | 2 | 0.4% | 66.7% | $830,000 | View |
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127 S 6th St, Cochran, GA 31014 A+5.0 ★Texas Ratio: 0.71% |
Conventional, Jumbo | 2 | 0.4% | 100% | $2,185,000 | View |
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301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,105,000 | View |
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2365 W Broad St, Athens, GA 30606 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.4% | 100% | $315,000 | View |
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11575 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 1.24% |
Conventional | 2 | 0.4% | 100% | $695,000 | View |
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3282 Northside Pkwy Nw, Atlanta, GA 30327 A4.7 ★Texas Ratio: 0.83% |
Conventional, Jumbo | 2 | 0.4% | 100% | $2,305,000 | View |
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★ 5 stars, 1 review 11760 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 2 | 0.4% | 100% | $655,000 | View |
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2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $265,000 | View |
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2775 Old Milton Parkway, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,465,000 | View |
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1109 Broad St, Augusta, GA 30901 A+5.0 ★Texas Ratio: 4.39% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
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1081 Parkway Blvd, Athens, GA 30606 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.2% | 50% | $215,000 | View |
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10865 Haynes Bridge Rd, Alpharetta, GA 30022 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.2% | 100% | $765,000 | View |
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200 W Jackson St, Dublin, GA 31021 A+5.0 ★Texas Ratio: 0.93% |
Conventional | 1 | 0.2% | 100% | $565,000 | View |
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1450 Greene St, Augusta, GA 30901 A+5.0 ★Texas Ratio: 4.52% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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4306 Gray Hwy, Gray, GA 31032 A+5.0 ★Texas Ratio: 0.24% |
Conventional | 1 | 0.2% | 100% | $445,000 | View |
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1433 Bernie Anderson Highway, Bellville, GA 30414 A-5.0 ★Texas Ratio: 15.22% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
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2101 Rosebrier Ave, Albany, GA 31705 A5.0 ★Texas Ratio: 7.35% |
HELOC | 0 +3 HELOCs |
0% | 50% | View | |
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★ 1.7 stars, 3 reviews 3402 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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309 E Paces Ferry Rd Ne, Atlanta, GA 30305 A+5.0 ★Texas Ratio: 3.08% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 3 | 0.6% | 75% | $951,666 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 33.3% | $65,000 | |
Acu
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Conventional | 1 | 0.2% | 100% | $355,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $585,000 | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 82 | 16.2% | 90.3% | $499,512 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 49 +1 HELOCs |
9.7% | 96.1% | $589,081 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 31 | 6.1% | 96.9% | $554,354 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 10 | 2% | 100% | $1,475,000 | View |
Premier Mortgage Resources, LLC
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Conventional, Jumbo | 8 | 1.6% | 100% | $608,750 | |
Atlantic Bay Mortgage Group
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Conventional, Jumbo | 8 | 1.6% | 100% | $883,750 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional, Jumbo | 7 | 1.4% | 87.5% | $535,000 | View |
Newrez LLC
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Conventional, Jumbo | 7 | 1.4% | 87.5% | $419,285 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +5 HELOCs |
1.2% | 60% | $461,666 | |
Kind Lending, LLC
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Conventional, VA, Jumbo | 6 | 1.2% | 100% | $503,333 | |
Five Star Credit Union
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Conventional, Jumbo | 6 | 1.2% | 100% | $486,666 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 5 +1 HELOCs |
1% | 100% | $317,000 | |
Freedom Mortgage Corporation
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FHA, VA | 5 | 1% | 87.5% | $603,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 5 | 1% | 83.3% | $867,000 | View |
Movement Mortgage, LLC
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Conventional, Jumbo, HELOC | 4 +1 HELOCs |
0.8% | 100% | $752,500 | |
Lakeview Loan Servicing, LLC
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Conventional | 4 | 0.8% | 44.4% | $435,000 | |
Nationstar Mortgage
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Conventional | 4 | 0.8% | 80% | $75,000 | |
Fairway Independent Mort Corp
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Conventional | 4 | 0.8% | 80% | $525,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 3 +1 HELOCs |
0.6% | 75% | $491,666 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 0.6% | 100% | $1,218,333 | View |
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B-3.5 ★Texas Ratio: 6.80% |
VA, Jumbo | 3 | 0.6% | 100% | $978,333 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 3 | 0.6% | 100% | $1,688,333 | View |
Mutual of Omaha Mortgage
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Conventional | 3 | 0.6% | 75% | $371,666 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 3 | 0.6% | 100% | $998,333 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 3 | 0.6% | 100% | $555,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 33.3% | $95,000 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 2 | 0.4% | 100% | $805,000 | |
Nbkc Bank
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Conventional | 2 | 0.4% | 100% | $545,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 2 | 0.4% | 100% | $395,000 | View |
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A5.0 ★Texas Ratio: 7.12% |
Conventional, Jumbo | 2 | 0.4% | 66.7% | $745,000 | View |
Discover Bank
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Conventional | 2 | 0.4% | 33.3% | $80,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 2 | 0.4% | 100% | $265,000 | View |
Mortgage Research Center
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VA | 2 | 0.4% | 100% | $360,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.4% | 100% | $410,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 0.4% | 100% | $255,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.4% | 66.7% | $435,000 | |
Bank Ozk
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Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $385,000 | |
VyStar Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $765,000 | |
EMM Loans LLC
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Conventional | 1 | 0.2% | 100% | $375,000 | |
Genisys Credit Union
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,205,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 50% | $685,000 | View |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $165,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $415,000 | View |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.2% | 100% | $465,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $625,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $755,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.2% | 50% | $335,000 | |
Loansteady LLC
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Conventional | 1 | 0.2% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.2% | 100% | $635,000 | View |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Beacon Community Bank
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Conventional | 1 | 0.2% | 100% | $615,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $445,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Nqm Funding, LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $855,000 | |
PFN Lending Group, Inc.
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Conventional, Jumbo | 1 | 0.2% | 100% | $2,385,000 | |
Quorum Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $155,000 | |
AAFMAA Mortgage Services LLC
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VA | 1 | 0.2% | 100% | $415,000 | |
City 1st Mortgage Services, LC
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Conventional | 1 | 0.2% | 100% | $455,000 | |
Nfm, Inc
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Conventional | 1 | 0.2% | 100% | $275,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.2% | 100% | $265,000 | |
Loanpeople, LLC
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Conventional | 1 | 0.2% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $445,000 | View |
Wolfe Financial Inc
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Conventional | 1 | 0.2% | 100% | $655,000 | |
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A+5.0 ★Texas Ratio: 3.24% |
Conventional, Jumbo | 1 | 0.2% | 100% | $915,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.2% | 50% | $355,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
RockPointBank
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Conventional | 1 | 0.2% | 100% | $805,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
FHA | 1 | 0.2% | 50% | $295,000 | View |
Citadel Servicing Corporation
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Conventional, Jumbo | 1 | 0.2% | 100% | $915,000 | |
Lower, LLC
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Compass Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $575,000 | |
Gmfs, LLC
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Conventional | 1 | 0.2% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.2% | 100% | $465,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.2% | 100% | $715,000 | View |
Nexera Holding LLC
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Conventional | 1 | 0.2% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 2.93% |
Conventional | 1 | 0.2% | 100% | $475,000 | View |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Cadence Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Cmg Mortgage Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
St. Simons 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 St. Simons, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in St. Simons? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Simons in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Simons, GA
Use these to narrow the list above. Each category shows how many St. Simons, GA lenders fit and what that kind of lender is usually best for.
Who Lends in St. Simons, GA
Independent mortgage companies closed 52.1 percent of home loans in St. Simons, Georgia in 2025, banks 43.2 percent and credit unions 4.8 percent. Amerisave Mortgage Company was the largest mortgage company, PrimeSouth Bank the largest bank and Marshland Credit Union the largest credit union. Among lenders headquartered in Georgia, PrimeSouth Bank led with 31 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 St. Simons, GA
By home loans closed in 2025, PrimeSouth Bank was the largest mortgage lender in St. Simons, Georgia with 31 loans, about 6.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in St. Simons, Georgia, Rocket Mortgage approved the highest share of completed applications in 2025 at 90.3 percent, against a 90.7 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.
7 lenders closed FHA loans in St. Simons, Georgia in 2025, led by Rocket Mortgage with 2. 12 lenders closed VA loans, led by Rocket Mortgage. 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. 65 banks and 12 credit unions closed home loans in St. Simons, Georgia in 2025, alongside 52 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 St. Simons, 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 St. Simons, 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 St. Simons. 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.
