Mortgage Lenders and Brokers in Waycross, 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
Waycross, Georgia mortgage lenders include First Southern BankFirst Southern Bank930 Memorial Dr, Waycross, GA 31501A+5.0 ★Texas Ratio: 0.08%, Ameris BankAmeris Bank2110 Memorial Dr, Waycross, GA 31501A+5.0 ★Texas Ratio: 1.82%, United Community BankUnited Community Bank1010 Plant Ave, Waycross, GA 31501A+5.0 ★Texas Ratio: 2.97%, Truist BankTruist Bank1807 Knight Ave, Waycross, GA 31501A+5.0 ★Texas Ratio: 2.87%, Renasant BankRenasant Bank810 Plant Ave, Waycross, GA 31501A+5.0 ★Texas Ratio: 4.72%, PrimeSouth BankPrimeSouth Bank530 Memorial Dr, Waycross, GA 31501A5.0 ★Texas Ratio: 8.84%, Farmers and Merchants BankFarmers and Merchants Bank2140 Old Covington Rd Ne, Conyers, GA 30013A-4.9 ★Texas Ratio: 15.86%, Georgia'S Own Credit UnionGeorgia'S Own Credit Union2098 Brunswick Hwy, Waycross, GA 31503 8968A5.0 ★Texas Ratio: 7.35%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3350 Cobb Pkwy Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 3.68%, and Interstate Credit UnionInterstate Credit Union665 W Parker St, Baxley, GA 31513A+5.0 ★Texas Ratio: 2.66%. 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 Waycross, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waycross 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 Waycross, Georgia
Market share is the lender's share of all home loans closed in Waycross, 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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930 Memorial Dr, Waycross, GA 31501 A+5.0 ★Texas Ratio: 0.08% |
Conventional | 7 | 2.1% | 100% | $149,285 | View |
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★ 4 stars, 1 review 2 offices in Waycross 2110 Memorial Dr, Waycross, GA 31501 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, VA, HELOC | 5 +6 HELOCs |
1.5% | 100% | $111,000 | View |
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1 office in Waycross 1010 Plant Ave, Waycross, GA 31501 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 3 +1 HELOCs |
0.9% | 42.9% | $85,000 | View |
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★ 1 stars, 1 review 1 office in Waycross 1807 Knight Ave, Waycross, GA 31501 A+5.0 ★Texas Ratio: 2.87% |
Conventional, USDA, HELOC | 2 +10 HELOCs |
0.6% | 66.7% | $150,000 | View |
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1 office in Waycross 810 Plant Ave, Waycross, GA 31501 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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530 Memorial Dr, Waycross, GA 31501 A5.0 ★Texas Ratio: 8.84% |
Conventional | 17 | 5.2% | 89.5% | $59,705 | View |
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2140 Old Covington Rd Ne, Conyers, GA 30013 A-4.9 ★Texas Ratio: 15.86% |
Conventional | 5 | 1.5% | 100% | $89,000 | View |
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2098 Brunswick Hwy, Waycross, GA 31503 8968 A5.0 ★Texas Ratio: 7.35% |
Conventional, HELOC | 3 +6 HELOCs |
0.9% | 50% | $161,666 | View |
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3350 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.9% | 75% | $135,000 | View |
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665 W Parker St, Baxley, GA 31513 A+5.0 ★Texas Ratio: 2.66% |
Conventional | 3 | 0.9% | 100% | $135,000 | View |
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420 N Broad St, Cairo, GA 39828 A+5.0 ★Texas Ratio: 2.55% |
FHA, VA | 2 | 0.6% | 100% | $260,000 | View |
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3334 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.6% | 100% | $265,000 | View |
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★ 5 stars, 1 review 501 W 12th St, Alma, GA 31510 A+5.0 ★Texas Ratio: 0.73% |
Conventional | 2 | 0.6% | 100% | $80,000 | View |
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15 Trade St, Brunswick, GA 31525 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 2 | 0.6% | 100% | $60,000 | View |
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10865 Haynes Bridge Rd, Alpharetta, GA 30022 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
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★ 5 stars, 1 review 11760 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.27% |
VA | 1 | 0.3% | 100% | $195,000 | View |
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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 | |
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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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2755 Old Milton Pkwy Bldg 600, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Equity Prime Mortgage LLC
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FHA, VA | 7 | 2.1% | 100% | $166,428 | |
Amerisave Mortgage Company
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Conventional | 4 | 1.2% | 23.5% | $70,000 | |
Loanunited.Com, LLC
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FHA | 2 | 0.6% | 100% | $180,000 | |
Credit Union Financial Services, LLC
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Conventional | 2 | 0.6% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
Direct Lenders, LLC.
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VA | 1 | 0.3% | 100% | $475,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 53 | 16.2% | 96.4% | $197,641 | |
Rocket Mortgage
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Conventional, FHA, VA | 46 | 14.1% | 77.8% | $142,391 | |
Mortgage Research Center
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VA | 14 | 4.3% | 77.8% | $227,142 | |
21St Mortgage
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Conventional | 9 | 2.8% | 28.1% | $100,555 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 2.1% | 100% | $247,857 | |
American Financial Resources LLC
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Conventional, FHA | 6 | 1.8% | 100% | $165,000 | |
Kind Lending, LLC
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Conventional, FHA, USDA | 6 | 1.8% | 66.7% | $86,666 | |
Keystone Funding, Inc
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Conventional, FHA, USDA | 6 | 1.8% | 87.5% | $186,666 | |
Guaranteed Rate, Inc.
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FHA, VA | 5 | 1.5% | 100% | $229,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, VA | 5 | 1.5% | 41.7% | $173,000 | View |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional, FHA, VA | 4 | 1.2% | 100% | $117,500 | View |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 4 | 1.2% | 66.7% | $147,500 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.2% | 85.7% | $172,500 | |
CrossCountry Mortgage, LLC
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FHA, VA, USDA | 4 | 1.2% | 100% | $167,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 1.2% | 66.7% | $200,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 1.2% | 14% | $145,000 | |
Royal United Mortgage LLC
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Conventional | 3 | 0.9% | 75% | $98,333 | |
Evergreen Moneysource Mortgage Company
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FHA, USDA | 3 | 0.9% | 75% | $158,333 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 0.9% | 100% | $178,333 | |
Towne Mortgage Company
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Conventional, USDA | 3 | 0.9% | 100% | $121,666 | |
Mortgage Solutions of Colorado
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VA | 3 | 0.9% | 75% | $258,333 | |
New American Funding, LLC.
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FHA, USDA | 3 | 0.9% | 100% | $168,333 | |
Paramount Residential Mortgage
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FHA, USDA | 3 | 0.9% | 100% | $175,000 | |
Carrington Mortgage Services LLC
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Conventional, VA | 3 | 0.9% | 75% | $141,666 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $75,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $80,000 | |
Cmg Mortgage Inc
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Conventional, VA | 2 | 0.6% | 100% | $285,000 | |
American Financing Corporation
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Conventional, VA | 2 | 0.6% | 66.7% | $130,000 | |
Calcon Mutual Mortgage LLC
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Conventional, FHA | 2 | 0.6% | 66.7% | $150,000 | |
New Day Financial, LLC.
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FHA, VA | 2 | 0.6% | 75% | $165,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.6% | 100% | $340,000 | View |
Nationstar Mortgage
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Conventional, VA | 2 | 0.6% | 100% | $245,000 | |
Tjc Mortgage Inc
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Conventional, FHA | 2 | 0.6% | 100% | $90,000 | |
Mutual of Omaha Mortgage
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FHA, VA | 2 | 0.6% | 100% | $165,000 | |
Lower, LLC
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Conventional, VA | 2 | 0.6% | 100% | $200,000 | |
Mortgage Investors Group
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FHA | 2 | 0.6% | 100% | $225,000 | |
VyStar Credit Union
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Conventional | 2 | 0.6% | 100% | $170,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.6% | 100% | $190,000 | |
Goodleap, LLC
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VA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 5.16% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.3% | 100% | $305,000 | View |
Success Lending, LLC
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FHA | 1 | 0.3% | 50% | $155,000 | |
Newrez LLC
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VA | 1 | 0.3% | 50% | $145,000 | |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.3% | 100% | $95,000 | View |
Movement Mortgage, LLC
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VA | 1 | 0.3% | 100% | $175,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.3% | 100% | $65,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 33.3% | $155,000 | |
ClearPath Lending
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VA | 1 | 0.3% | 100% | $265,000 | |
SIRVA Mortgage, Inc.
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VA | 1 | 0.3% | 100% | $275,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.3% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.3% | 100% | $425,000 | View |
American Pacific Mortgage Corporation
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VA | 1 | 0.3% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
Liberty Home Mortgage Corp
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FHA | 1 | 0.3% | 100% | $205,000 | |
First Florida Credit Union
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Conventional | 1 | 0.3% | 100% | $125,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.3% | 100% | $115,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 100% | $275,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Waycross 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 Waycross, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Waycross? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waycross in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waycross, GA
Use these to narrow the list above. Each category shows how many Waycross, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Waycross, GA
Independent mortgage companies closed 74 percent of home loans in Waycross, Georgia in 2025, banks 21.4 percent and credit unions 4.6 percent. Equity Prime Mortgage LLC was the largest mortgage company, First Southern Bank the largest bank and Georgia'S Own Credit Union the largest credit union. Among lenders headquartered in Georgia, First Southern Bank led with 7 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 Waycross, GA
By home loans closed in 2025, First Southern Bank was the largest mortgage lender in Waycross, Georgia with 7 loans, about 2.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Waycross, Georgia, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 96.4 percent, against a 72 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.
34 lenders closed FHA loans in Waycross, Georgia in 2025, led by United Wholesale Mortgage with 17. 34 lenders closed VA loans, led by Mortgage Research Center, and 8 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. 27 banks and 7 credit unions closed home loans in Waycross, Georgia in 2025, alongside 51 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 Waycross, 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 Waycross, 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 Waycross. 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.
