Mortgage Lenders and Brokers in Valdosta, 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
Valdosta, Georgia mortgage lenders include Ameris BankAmeris Bank3140 Inner Perimeter Rd, Valdosta, GA 31602A+5.0 ★Texas Ratio: 1.82%, Guardian BankGuardian Bank246 Norman Dr, Valdosta, GA 31601A+5.0 ★Texas Ratio: 5.47%, Farmers and Merchants BankFarmers and Merchants Bank1201 S Patterson St, Valdosta, GA 31601A-4.9 ★Texas Ratio: 15.86%, Commercial Banking CompanyCommercial Banking Company1215 Baytree Rd, Valdosta, GA 31602A+5.0 ★Texas Ratio: 0.32%, Renasant BankRenasant Bank3295 Inner Perimeter Rd, Valdosta, GA 31602A+5.0 ★Texas Ratio: 4.72%, Southeastern Credit UnionSoutheastern Credit Union3501 N Valdosta Rd, Valdosta, GA 31602 1068A+5.0 ★Texas Ratio: 2.15%, Regions BankRegions Bank2611 N Patterson St, Valdosta, GA 31602A+5.0 ★Texas Ratio: 4.37%, Colony BankColony Bank3774 Old Us Hwy 41 N, Valdosta, GA 31602A+5.0 ★Texas Ratio: 4.01%, Bank of America NABank of America NA3030 N Patterson St, Valdosta, GA 31602A+5.0 ★Texas Ratio: 4.14%, and Truist BankTruist Bank2901 N Ashley St, Valdosta, GA 31602A+5.0 ★Texas Ratio: 2.87%. 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 Valdosta, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Valdosta 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 Valdosta, Georgia
Market share is the lender's share of all home loans closed in Valdosta, 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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★ 4 stars, 1 review 1 office in Valdosta 3140 Inner Perimeter Rd, Valdosta, GA 31602 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, VA, HELOC | 52 +2 HELOCs |
6% | 96.3% | $202,692 | View |
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2 offices in Valdosta 246 Norman Dr, Valdosta, GA 31601 A+5.0 ★Texas Ratio: 5.47% |
Conventional, Jumbo | 45 | 5.2% | 100% | $153,222 | View |
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2 offices in Valdosta 1201 S Patterson St, Valdosta, GA 31601 A-4.9 ★Texas Ratio: 15.86% |
Conventional, Jumbo | 34 | 4% | 97.3% | $168,529 | View |
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1 office in Valdosta 1215 Baytree Rd, Valdosta, GA 31602 A+5.0 ★Texas Ratio: 0.32% |
Conventional | 28 | 3.3% | 96.6% | $178,214 | View |
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2 offices in Valdosta 3295 Inner Perimeter Rd, Valdosta, GA 31602 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, VA, HELOC | 22 +12 HELOCs |
2.6% | 88.9% | $195,909 | View |
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3501 N Valdosta Rd, Valdosta, GA 31602 1068 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 14 | 1.6% | 87.5% | $184,285 | View |
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1 office in Valdosta 2611 N Patterson St, Valdosta, GA 31602 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo, HELOC | 8 +5 HELOCs |
0.9% | 66.7% | $180,000 | View |
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1 office in Valdosta 3774 Old Us Hwy 41 N, Valdosta, GA 31602 A+5.0 ★Texas Ratio: 4.01% |
Conventional, FHA, VA | 6 | 0.7% | 54.5% | $185,000 | View |
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2 offices in Valdosta 3030 N Patterson St, Valdosta, GA 31602 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +5 HELOCs |
0.5% | 66.7% | $167,500 | View |
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★ 1 stars, 1 review 1 office in Valdosta 2901 N Ashley St, Valdosta, GA 31602 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +4 HELOCs |
0.2% | 66.7% | $455,000 | View |
First Federal S&L Association
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Conventional, Jumbo | 56 | 6.5% | 100% | $278,035 | |
BankSouth Mortgage Company LLC
3290 Northside Pkwy Nw, Atlanta, GA 30327 |
Conventional, FHA, VA | 29 | 3.4% | 100% | $201,896 | |
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3261 N Valdosta Rd, Valdosta, GA 31602 A-4.6 ★Texas Ratio: 8.29% |
Conventional, Jumbo | 23 | 2.7% | 92% | $183,260 | View |
Synovus Bank
1522 Baytree Rd, Valdosta, GA 31602 |
Conventional, FHA, VA, HELOC | 13 +10 HELOCs |
1.5% | 81.2% | $118,076 | |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA, VA | 4 | 0.5% | 57.1% | $330,000 | View |
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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.3% | 100% | $151,666 | View |
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100 East Stevens Street, Quitman, GA 31643 A+5.0 ★Texas Ratio: 1.22% |
Conventional | 3 | 0.3% | 100% | $101,666 | View |
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100 Island Professional Park, Saint Simons Island, GA 31522 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 3 | 0.3% | 100% | $141,666 | View |
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400 W Shotwell St, Bainbridge, GA 39819 A5.0 ★Texas Ratio: 8.16% |
Conventional | 3 | 0.3% | 100% | $111,666 | View |
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140 Riverstone Pkwy, Canton, GA 30114 6421 A5.0 ★Texas Ratio: 6.49% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $25,000 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
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5045 Highway 53, Braselton, GA 30517 A+5.0 ★Texas Ratio: 0.06% |
FHA | 1 | 0.1% | 100% | $475,000 | View |
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★ 5 stars, 1 review 11760 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.27% |
Conventional, Jumbo | 1 | 0.1% | 100% | $1,175,000 | View |
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704 N Westover Blvd, Albany, GA 31707 A5.0 ★Texas Ratio: 6.55% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
BoxCar Mortgage, LLC
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Conventional, FHA, VA | 28 | 3.3% | 93.3% | $242,500 | |
Credit Union Financial Services, LLC
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Conventional, FHA | 3 | 0.3% | 100% | $111,666 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.2% | 100% | $135,000 | |
Loanunited.Com, LLC
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VA | 2 | 0.2% | 100% | $270,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.2% | 10.5% | $50,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 65 | 7.6% | 75.8% | $179,923 | |
Mortgage Research Center
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Conventional, FHA, VA | 52 | 6% | 72.6% | $240,384 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 48 | 5.6% | 87.5% | $239,166 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 39 | 4.5% | 90.7% | $247,051 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 23 | 2.7% | 90.3% | $220,217 | |
Guild Mortgage Company
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Conventional, FHA, VA | 19 | 2.2% | 100% | $160,263 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 14 +2 HELOCs |
1.6% | 70% | $221,428 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 1.4% | 82.4% | $150,833 | |
Newrez LLC
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Conventional, FHA, VA | 11 | 1.3% | 64.7% | $195,909 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 8 | 0.9% | 66.7% | $223,750 | View |
loanDepot.com LLC
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Conventional, FHA, HELOC | 7 +1 HELOCs |
0.8% | 63.6% | $116,428 | |
Nbkc Bank
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Conventional, FHA, VA | 7 | 0.8% | 87.5% | $212,142 | |
Nationstar Mortgage
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Conventional | 6 | 0.7% | 100% | $243,333 | |
First Commerce Credit Union
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Conventional, HELOC | 5 +6 HELOCs |
0.6% | 50% | $81,000 | |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional, FHA, VA | 5 | 0.6% | 100% | $207,000 | View |
American Financial Resources LLC
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Conventional, FHA, VA | 5 | 0.6% | 83.3% | $201,000 | |
American Financial Network, Inc.
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Conventional, FHA, VA | 5 | 0.6% | 71.4% | $287,000 | |
The Loan Store, Inc
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Conventional | 5 | 0.6% | 100% | $293,000 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 4 +1 HELOCs |
0.5% | 66.7% | $125,000 | |
Geneva Financial LLC
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Conventional, FHA | 4 | 0.5% | 100% | $157,500 | |
New Day Financial, LLC.
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VA | 4 | 0.5% | 50% | $187,500 | |
Stockton Mortgage Corporation
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Conventional, FHA, VA | 4 | 0.5% | 66.7% | $195,000 | |
Village Capital & Investment
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VA | 4 | 0.5% | 100% | $262,500 | |
Residential Wholesale Mortgage
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Conventional, FHA | 3 | 0.3% | 75% | $151,666 | |
Movement Mortgage, LLC
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Conventional, VA | 3 | 0.3% | 100% | $345,000 | |
AmWest Funding Corp
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Conventional | 3 | 0.3% | 100% | $265,000 | |
Cardinal Financial Company, Li
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FHA, VA | 3 | 0.3% | 100% | $245,000 | |
Churchill Mortgage Corporation
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Conventional, FHA | 3 | 0.3% | 100% | $221,666 | |
Planet Home Lending, LLC
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VA | 3 | 0.3% | 100% | $231,666 | |
Towne Mortgage Company
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FHA, VA | 3 | 0.3% | 100% | $221,666 | |
Pentagon Federal Credit Union
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VA | 3 | 0.3% | 100% | $175,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 3 | 0.3% | 100% | $178,333 | |
DHI Mortgage Company, LTD.
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VA | 3 | 0.3% | 100% | $285,000 | |
21St Mortgage
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Conventional | 3 | 0.3% | 27.3% | $98,333 | |
Five Star Credit Union
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Conventional | 3 | 0.3% | 100% | $211,666 | |
Goodleap, LLC
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FHA, VA, HELOC | 2 +1 HELOCs |
0.2% | 100% | $235,000 | |
Guaranteed Rate, Inc.
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Conventional, VA | 2 | 0.2% | 100% | $270,000 | |
Royal United Mortgage LLC
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Conventional, VA | 2 | 0.2% | 66.7% | $135,000 | |
Primelending
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Conventional, VA | 2 | 0.2% | 100% | $220,000 | |
Canopy Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 66.7% | $170,000 | |
AdvantageFirst Lending Inc
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VA | 2 | 0.2% | 100% | $250,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 2 | 0.2% | 100% | $375,000 | |
Sun West Mortgage Company, Inc
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Conventional, FHA | 2 | 0.2% | 57.1% | $80,000 | |
Mid-Continent Funding, Inc.
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FHA, VA | 2 | 0.2% | 75% | $185,000 | |
Land Home Financial Services,
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Conventional | 2 | 0.2% | 100% | $155,000 | |
Bank Ozk
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Conventional | 2 | 0.2% | 33.3% | $200,000 | |
Paramount Residential Mortgage
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FHA, VA | 2 | 0.2% | 100% | $245,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.2% | 40% | $180,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.2% | 50% | $95,000 | |
CrossCountry Mortgage, LLC
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FHA, HELOC | 1 +1 HELOCs |
0.1% | 100% | $365,000 | |
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D3.3 ★Texas Ratio: 35.11% |
FHA, HELOC | 1 +1 HELOCs |
0.1% | 50% | $155,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 33.3% | $55,000 | |
Cadence Bank
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FHA | 1 | 0.1% | 100% | $155,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $285,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Primary Residential Mortgage, INC.
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VA | 1 | 0.1% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.1% | 100% | $805,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.1% | 37.5% | $35,000 | |
MortgageOne, Inc
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VA | 1 | 0.1% | 100% | $265,000 | |
Kind Lending, LLC
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FHA | 1 | 0.1% | 25% | $95,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 50% | $205,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.1% | 100% | $235,000 | View |
Mayo Employees Federal Credit Union
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Conventional, Jumbo | 1 | 0.1% | 100% | $1,075,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 0.1% | 50% | $195,000 | View |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.1% | 100% | $325,000 | |
Discover Bank
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Conventional | 1 | 0.1% | 20% | $55,000 | |
Intercap Lending Inc
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VA | 1 | 0.1% | 100% | $195,000 | |
Builders Choice Mortgage LLC
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VA | 1 | 0.1% | 100% | $295,000 | |
American Financing Corporation
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FHA | 1 | 0.1% | 50% | $205,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.1% | 100% | $165,000 | |
Ameritrust Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $165,000 | |
Nfm, Inc
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FHA | 1 | 0.1% | 100% | $235,000 | |
American Pacific Mortgage Corporation
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VA | 1 | 0.1% | 100% | $455,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.1% | 100% | $555,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.1% | 100% | $175,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.1% | 100% | $315,000 | View |
Saygo Home Loans, LLC
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VA | 1 | 0.1% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 1.12% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
Mission Loans, LLC
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VA | 1 | 0.1% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.1% | 100% | $395,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Summit Funding.Inc
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FHA | 1 | 0.1% | 100% | $165,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.1% | 100% | $275,000 | |
First Florida Credit Union
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Conventional | 1 | 0.1% | 100% | $385,000 | |
Lower, LLC
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FHA | 1 | 0.1% | 100% | $165,000 | |
Campus USA Credit Union
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Conventional | 1 | 0.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 3.6% | $205,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Texana Bank
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VA | 1 | 0.1% | 100% | $195,000 | |
Top Flite Financial, Inc.
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Conventional | 1 | 0.1% | 50% | $235,000 | |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.94% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Valdosta 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 Valdosta, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Valdosta? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Valdosta in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Valdosta, GA
Use these to narrow the list above. Each category shows how many Valdosta, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Valdosta, GA
Independent mortgage companies closed 50.8 percent of home loans in Valdosta, Georgia in 2025, banks 43.6 percent and credit unions 5.6 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, Ameris Bank the largest bank and Southeastern Credit Union the largest credit union. Among lenders headquartered in Georgia, Ameris Bank led with 52 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 Valdosta, GA
By home loans closed in 2025, Ameris Bank was the largest mortgage lender in Valdosta, Georgia with 52 loans, about 6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Valdosta, Georgia, First Federal S&L Association approved the highest share of completed applications in 2025 at 100 percent, against a 80.5 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.
55 lenders closed FHA loans in Valdosta, Georgia in 2025, led by Ameris Bank with 21. 51 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. 39 banks and 13 credit unions closed home loans in Valdosta, Georgia in 2025, alongside 79 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 Valdosta, 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 Valdosta, 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 Valdosta. 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.
