Mortgage Lenders and Brokers in Watkinsville, 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
Watkinsville, Georgia mortgage lenders include Oconee State BankOconee State Bank35 N Main St, Watkinsville, GA 30677B4.5 ★Texas Ratio: 21.44%, BankSouthBankSouth7911 Macon Hwy, Watkinsville, GA 30677A+5.0 ★Texas Ratio: 4.19%, First American BankFirst American Bank1681 Experiment Station Rd, Watkinsville, GA 30677A+5.0 ★Texas Ratio: 0.01%, The Commercial BankThe Commercial Bank1357 Oconee Connector, Watkinsville, GA 30677A+5.0 ★Texas Ratio: 1.44%, Regions BankRegions Bank4590 Morningside Dr, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.37%, Pinnacle BankPinnacle Bank1081 Parkway Blvd, Athens, GA 30606A+5.0 ★Texas Ratio: 3.22%, Synovus BankSynovus Bank2100 Experiment Station Rd, Watkinsville, GA 30677, Ameris BankAmeris Bank5895 Jeff Davis Ln Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 1.82%, BankSouth Mortgage Company LLCBankSouth Mortgage Company LLC7911 Macon Hwy, Watkinsville, GA 30677, and Georgia'S Own Credit UnionGeorgia'S Own Credit Union2101 Rosebrier Ave, Albany, GA 31705A5.0 ★Texas Ratio: 7.35%. 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 Watkinsville, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Watkinsville 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 Watkinsville, Georgia
Market share is the lender's share of all home loans closed in Watkinsville, 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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35 N Main St, Watkinsville, GA 30677 B4.5 ★Texas Ratio: 21.44% |
Conventional | 14 | 11.6% | 93.3% | $176,428 | View |
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1 office in Watkinsville 7911 Macon Hwy, Watkinsville, GA 30677 A+5.0 ★Texas Ratio: 4.19% |
Conventional | 3 | 2.5% | 100% | $805,000 | View |
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1 office in Watkinsville 1681 Experiment Station Rd, Watkinsville, GA 30677 A+5.0 ★Texas Ratio: 0.01% |
Conventional | 3 | 2.5% | 100% | $398,333 | View |
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1 office in Watkinsville 1357 Oconee Connector, Watkinsville, GA 30677 A+5.0 ★Texas Ratio: 1.44% |
Conventional | 1 | 0.8% | 100% | $265,000 | View |
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4590 Morningside Dr, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.37% |
Conventional, VA, Jumbo, HELOC | 6 +4 HELOCs |
5% | 100% | $703,333 | View |
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1081 Parkway Blvd, Athens, GA 30606 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 6 | 5% | 85.7% | $238,333 | View |
Synovus Bank
2100 Experiment Station Rd, Watkinsville, GA 30677 |
Conventional, Jumbo, HELOC | 3 +6 HELOCs |
2.5% | 100% | $831,666 | |
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★ 4 stars, 1 review 5895 Jeff Davis Ln Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 3 | 2.5% | 100% | $451,666 | View |
BankSouth Mortgage Company LLC
7911 Macon Hwy, Watkinsville, GA 30677 |
Conventional, FHA | 2 | 1.7% | 100% | $310,000 | |
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2101 Rosebrier Ave, Albany, GA 31705 A5.0 ★Texas Ratio: 7.35% |
Conventional | 1 | 0.8% | 100% | $35,000 | View |
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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 50% | $215,000 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 0.8% | 100% | $265,000 | View |
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301 W 4th St, Adel, GA 31620 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.8% | 100% | $315,000 | View |
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2900 Old Dawson Rd, Albany, GA 31721 A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 0.8% | 100% | $405,000 | View |
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1450 Greene St, Augusta, GA 30901 A+5.0 ★Texas Ratio: 4.52% |
Conventional | 1 | 0.8% | 100% | $365,000 | View |
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2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.8% | 100% | $55,000 | View |
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2273 Hog Mountain Rd, Watkinsville, GA 30677 A+5.0 ★Texas Ratio: 1.27% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 11760 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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4460 Cobb Parkway North Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5045 Highway 53, Braselton, GA 30517 A+5.0 ★Texas Ratio: 0.06% |
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 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.8% | 50% | $55,000 | |
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A5.0 ★Texas Ratio: 7.12% |
Conventional, FHA | 10 | 8.3% | 100% | $365,000 | View |
United Wholesale Mortgage
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Conventional, VA | 9 | 7.4% | 90% | $410,555 | |
Rocket Mortgage
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Conventional, FHA | 7 | 5.8% | 87.5% | $290,714 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 3.3% | 100% | $380,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 3 | 2.5% | 100% | $495,000 | View |
CrossCountry Mortgage, LLC
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Conventional | 3 | 2.5% | 100% | $451,666 | |
Newrez LLC
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Conventional, VA | 2 | 1.7% | 100% | $185,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 1.7% | 100% | $155,000 | |
Eustis Mortgage Corp
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Conventional | 2 | 1.7% | 100% | $315,000 | |
Jet HomeLoans, LP
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Conventional | 2 | 1.7% | 66.7% | $540,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.7% | 100% | $190,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA | 2 | 1.7% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1.7% | 100% | $155,000 | View |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 1.7% | 100% | $520,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 1.7% | 100% | $365,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.8% | 50% | $45,000 | |
EMM Loans LLC
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Conventional | 1 | 0.8% | 100% | $315,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.8% | 100% | $675,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $405,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $325,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.8% | 100% | $575,000 | |
Sanctuary Home Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $305,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.8% | 100% | $375,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.8% | 100% | $125,000 | |
Provident Funding Associates
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Conventional | 1 | 0.8% | 100% | $755,000 | |
Acopia, LLC
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Conventional | 1 | 0.8% | 100% | $605,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.8% | 100% | $715,000 | |
Liberty Home Mortgage Corp
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FHA | 1 | 0.8% | 100% | $465,000 | |
Ussfcu
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Conventional | 1 | 0.8% | 100% | $35,000 | |
Lower, LLC
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Conventional | 1 | 0.8% | 100% | $395,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.8% | 100% | $35,000 | |
Loan Simple, Inc.
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USDA | 1 | 0.8% | 100% | $515,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.8% | 50% | $195,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Watkinsville 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 Watkinsville, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Watkinsville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Watkinsville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Watkinsville, GA
Use these to narrow the list above. Each category shows how many Watkinsville, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Watkinsville, GA
Independent mortgage companies closed 44.6 percent of home loans in Watkinsville, Georgia in 2025, banks 52.9 percent and credit unions 2.5 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, Oconee State Bank the largest bank and Georgia'S Own Credit Union the largest credit union. Among lenders headquartered in Georgia, Oconee State Bank led with 14 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 Watkinsville, GA
By home loans closed in 2025, Oconee State Bank was the largest mortgage lender in Watkinsville, Georgia with 14 loans, about 11.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Watkinsville, Georgia in 2025, led by Rocket Mortgage with 2. 5 lenders closed VA loans, led by Regions Bank, 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. 24 banks and 5 credit unions closed home loans in Watkinsville, Georgia in 2025, alongside 31 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 Watkinsville, 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 Watkinsville, 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 Watkinsville. 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.
