Mortgage Lenders and Brokers in Toccoa, 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
Toccoa, Georgia mortgage lenders include Regions BankRegions Bank168 North Hill Street, Toccoa, GA 30577A+5.0 ★Texas Ratio: 4.37%, Southstate Bank, National AssociationSouthstate Bank, National Association1111 Big A Rd S, Toccoa, GA 30577A+5.0 ★Texas Ratio: 2.27%, Oconee Federal Savings and Loan AssociationOconee Federal Savings and Loan Association12 E Doyle St, Toccoa, GA 30577A+5.0 ★Texas Ratio: 1.96%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust122 N Alexander St, Toccoa, GA 30577A5.0 ★Texas Ratio: 7.72%, Pinnacle BankPinnacle Bank1081 Parkway Blvd, Athens, GA 30606A+5.0 ★Texas Ratio: 3.22%, Peach State Federal Credit UnionPeach State Federal Credit Union568 Liberty Hill Rd, Toccoa, GA 30577 7996A+5.0 ★Texas Ratio: 2.27%, United Community BankUnited Community Bank7400 Adairsville Hwy, Adairsville, GA 30103A+5.0 ★Texas Ratio: 2.97%, Capital City Home Loans, LLCCapital City Home Loans, LLC420 N Broad St, Cairo, GA 39828A+5.0 ★Texas Ratio: 2.55%, Renasant BankRenasant Bank301 W 4th St, Adel, GA 31620A+5.0 ★Texas Ratio: 4.72%, and Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%. 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 Toccoa, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Toccoa 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 Toccoa, Georgia
Market share is the lender's share of all home loans closed in Toccoa, 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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1 office in Toccoa 168 North Hill Street, Toccoa, GA 30577 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo, HELOC | 8 +1 HELOCs |
2.3% | 42.1% | $225,000 | View |
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★ 5 stars, 1 review 1 office in Toccoa 1111 Big A Rd S, Toccoa, GA 30577 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA, HELOC | 5 +3 HELOCs |
1.4% | 100% | $203,000 | View |
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1 office in Toccoa 12 E Doyle St, Toccoa, GA 30577 A+5.0 ★Texas Ratio: 1.96% |
Conventional | 4 | 1.1% | 100% | $135,000 | View |
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1 office in Toccoa 122 N Alexander St, Toccoa, GA 30577 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 2 +4 HELOCs |
0.6% | 25% | $210,000 | View |
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1081 Parkway Blvd, Athens, GA 30606 A+5.0 ★Texas Ratio: 3.22% |
Conventional, VA | 9 | 2.6% | 91.7% | $198,333 | View |
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568 Liberty Hill Rd, Toccoa, GA 30577 7996 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 3 +2 HELOCs |
0.9% | 100% | $118,333 | View |
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7400 Adairsville Hwy, Adairsville, GA 30103 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 3 +2 HELOCs |
0.9% | 100% | $305,000 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
Conventional, FHA | 3 | 0.9% | 100% | $211,666 | View |
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301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA | 3 | 0.9% | 100% | $261,666 | 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, USDA | 2 | 0.6% | 100% | $395,000 | View |
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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
VA | 1 | 0.3% | 100% | $445,000 | View |
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1 Press Pl, Athens, GA 30601 B4.5 ★Texas Ratio: 21.44% |
Conventional | 1 | 0.3% | 100% | $1,005,000 | View |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
VA | 1 | 0.3% | 100% | $155,000 | View |
Synovus Bank
2102 E Oglethorpe Blvd, Albany, GA 31705 |
USDA | 1 | 0.3% | 100% | $185,000 | |
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4460 Cobb Parkway North Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Atlanta Postal Credit Union
3916 Tradeport Blvd, Atlanta, GA 30354 |
HELOC | 0 +2 HELOCs |
0% | 0% | ||
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190 Gaines School Rd, Athens, GA 30605 3118 A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +2 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 | |
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2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 5 | 1.4% | 38.5% | $121,000 | |
Equity Prime Mortgage LLC
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FHA | 3 | 0.9% | 100% | $205,000 | |
Direct Lenders, LLC.
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $805,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.3% | 100% | $255,000 | |
Acu
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Conventional | 1 | 0.3% | 100% | $345,000 | |
AgGeorgia Farm Credit
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Conventional | 1 | 0.3% | 100% | $275,000 | |
First Option Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Premier Mortgage Resources, LLC
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Conventional, FHA, USDA | 41 | 11.7% | 100% | $195,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 35 | 10% | 81.8% | $155,571 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 29 | 8.3% | 83.3% | $229,482 | |
Inspire Home Loans Inc.
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FHA | 13 | 3.7% | 93.8% | $249,615 | |
American Pacific Mortgage Corporation
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Conventional, FHA, USDA | 12 | 3.4% | 92.3% | $198,333 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 9 | 2.6% | 76.9% | $250,555 | |
Mortgage Research Center
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Conventional, FHA, VA | 8 | 2.3% | 66.7% | $282,500 | |
Newrez LLC
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Conventional, FHA, VA, USDA | 7 | 2% | 70% | $213,571 | |
loanDepot.com LLC
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Conventional, FHA | 7 | 2% | 87.5% | $120,714 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 2% | 88.9% | $175,000 | |
CrossCountry Mortgage, LLC
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FHA | 6 | 1.7% | 100% | $203,333 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA, USDA | 6 | 1.7% | 100% | $233,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 6 | 1.7% | 75% | $300,000 | |
Everett Financial, Inc.
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Conventional, FHA | 5 | 1.4% | 71.4% | $135,000 | |
Homeowners Financial Group, LLC
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Conventional, FHA | 5 | 1.4% | 100% | $213,000 | |
New American Funding, LLC.
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FHA, VA | 5 | 1.4% | 83.3% | $181,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, USDA | 4 | 1.1% | 100% | $227,500 | |
21St Mortgage
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Conventional | 4 | 1.1% | 41.7% | $152,500 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA, USDA | 3 | 0.9% | 100% | $178,333 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 3 | 0.9% | 100% | $218,333 | |
Discover Bank
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Conventional | 3 | 0.9% | 50% | $101,666 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 3 | 0.9% | 100% | $251,666 | View |
Nationstar Mortgage
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Conventional | 3 | 0.9% | 75% | $138,333 | |
Sente Mortgage, Inc.
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Conventional, FHA | 3 | 0.9% | 100% | $275,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 0.9% | 26.3% | $128,333 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 3 | 0.9% | 37.5% | $148,333 | |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional, FHA | 2 | 0.6% | 100% | $195,000 | View |
Canopy Mortgage, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $260,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $155,000 | |
Sun West Mortgage Company, Inc
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FHA | 2 | 0.6% | 100% | $180,000 | |
Oceanside Mortgage Company
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FHA | 2 | 0.6% | 100% | $80,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.6% | 100% | $155,000 | |
New Day Financial, LLC.
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VA | 2 | 0.6% | 33.3% | $210,000 | |
Top Flite Financial, Inc.
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FHA | 2 | 0.6% | 100% | $270,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 50% | $55,000 | View |
Ruoff Mortgage Company
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Conventional | 1 | 0.3% | 100% | $535,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.3% | 100% | $275,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 50% | $175,000 | |
Kind Lending, LLC
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FHA | 1 | 0.3% | 50% | $235,000 | |
Allied Mortgage Group, Inc
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FHA | 1 | 0.3% | 100% | $215,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Advancial Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
Resicentral LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.3% | 100% | $225,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.3% | 100% | $185,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.3% | 50% | $205,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.3% | 100% | $135,000 | |
City 1st Mortgage Services, LC
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FHA | 1 | 0.3% | 100% | $155,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $495,000 | |
ClearPath Lending
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VA | 1 | 0.3% | 100% | $165,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.3% | 100% | $235,000 | |
Loanleaders of America, Inc
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VA | 1 | 0.3% | 100% | $195,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $295,000 | |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.3% | 100% | $545,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.3% | 50% | $475,000 | |
New Story Lending LLC
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Conventional | 1 | 0.3% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 0.3% | 100% | $295,000 | View |
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A+5.0 ★Texas Ratio: 1.62% |
VA | 1 | 0.3% | 100% | $635,000 | View |
Acopia, LLC
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FHA | 1 | 0.3% | 100% | $245,000 | |
Stockton Mortgage Corporation
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USDA | 1 | 0.3% | 33.3% | $85,000 | |
Towne Mortgage Company
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FHA | 1 | 0.3% | 100% | $235,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $355,000 | |
SRP Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $215,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $225,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $285,000 | |
Liberty Home Mortgage Corp
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FHA | 1 | 0.3% | 100% | $195,000 | |
Lower, LLC
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Conventional | 1 | 0.3% | 50% | $155,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 0.3% | 100% | $725,000 | View |
Mortgage Investors Group
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VA | 1 | 0.3% | 100% | $295,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.3% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
Geneva Financial LLC
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Tomo Mortgage LLC
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FHA | 1 | 0.3% | 100% | $195,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 100% | $335,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Liberty Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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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 | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Toccoa 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 Toccoa, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Toccoa? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Toccoa in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Toccoa, GA
Use these to narrow the list above. Each category shows how many Toccoa, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Toccoa, GA
Independent mortgage companies closed 81.2 percent of home loans in Toccoa, Georgia in 2025, banks 15.4 percent and credit unions 3.4 percent. Amerisave Mortgage Company was the largest mortgage company, Regions Bank the largest bank and Peach State Federal Credit Union the largest credit union. Among lenders headquartered in Georgia, Pinnacle Bank 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 Toccoa, GA
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Toccoa, Georgia with 8 loans, about 2.3 percent of the market. The largest lender headquartered in Georgia was Pinnacle Bank with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
45 lenders closed FHA loans in Toccoa, Georgia in 2025, led by Premier Mortgage Resources, LLC with 19. 23 lenders closed VA loans, led by United Wholesale Mortgage, and 10 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. 25 banks and 11 credit unions closed home loans in Toccoa, Georgia in 2025, alongside 77 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 Toccoa, 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 Toccoa, 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 Toccoa. 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.
