Mortgage Lenders and Brokers in Young Harris, 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
Young Harris, Georgia mortgage lenders include United Community BankUnited Community Bank7400 Adairsville Hwy, Adairsville, GA 30103A+5.0 ★Texas Ratio: 2.97%, Southeast Mortgage of Georgia, Inc.Southeast Mortgage of Georgia, Inc.5045 Highway 53, Braselton, GA 30517A+5.0 ★Texas Ratio: 0.06%, Southstate Bank, National AssociationSouthstate Bank, National Association11760 Haynes Bridge Rd, Alpharetta, GA 30009A+5.0 ★Texas Ratio: 2.27%, Bank of America NABank of America NA4460 Cobb Parkway North Nw, Acworth, GA 30101A+5.0 ★Texas Ratio: 4.14%, Peach State Federal Credit UnionPeach State Federal Credit Union693 Main St, Young Harris, GA 30582 4119A+5.0 ★Texas Ratio: 2.27%, First National Bank of WaynesboroFirst National Bank of Waynesboro626 N Liberty St, Waynesboro, GA 30830, Credit Union of GeorgiaCredit Union of Georgia140 Riverstone Pkwy, Canton, GA 30114 6421A5.0 ★Texas Ratio: 6.49%, First Peoples BankFirst Peoples Bank8188 Frank Houser Ave, Columbus, GA 31909A+5.0 ★Texas Ratio: 0.79%, Pinnacle BankPinnacle Bank1081 Parkway Blvd, Athens, GA 30606A+5.0 ★Texas Ratio: 3.22%, and Robins Financial Credit UnionRobins Financial Credit Union2636 Atlanta Hwy, Athens, GA 30606A+5.0 ★Texas Ratio: 1.27%. 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 Young Harris, Georgia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Young Harris 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 Young Harris, Georgia
Market share is the lender's share of all home loans closed in Young Harris, 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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7400 Adairsville Hwy, Adairsville, GA 30103 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 8 +17 HELOCs |
9.1% | 57.1% | $255,000 | View |
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5045 Highway 53, Braselton, GA 30517 A+5.0 ★Texas Ratio: 0.06% |
Conventional, FHA | 2 | 2.3% | 100% | $230,000 | View |
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★ 5 stars, 1 review 11760 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 1 +7 HELOCs |
1.1% | 33.3% | $165,000 | View |
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4460 Cobb Parkway North Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +3 HELOCs |
1.1% | 100% | $185,000 | View |
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693 Main St, Young Harris, GA 30582 4119 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 1.1% | 50% | $125,000 | View |
First National Bank of Waynesboro
626 N Liberty St, Waynesboro, GA 30830 |
Conventional | 1 | 1.1% | 100% | $315,000 | |
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140 Riverstone Pkwy, Canton, GA 30114 6421 A5.0 ★Texas Ratio: 6.49% |
Conventional | 1 | 1.1% | 100% | $165,000 | View |
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8188 Frank Houser Ave, Columbus, GA 31909 A+5.0 ★Texas Ratio: 0.79% |
Conventional | 1 | 1.1% | 100% | $185,000 | View |
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1081 Parkway Blvd, Athens, GA 30606 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 1.1% | 100% | $225,000 | View |
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2636 Atlanta Hwy, Athens, GA 30606 A+5.0 ★Texas Ratio: 1.27% |
Conventional | 1 | 1.1% | 100% | $255,000 | View |
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★ 1 stars, 1 review 3340 Cobb Pkwy Nw, Acworth, GA 30101 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 1.1% | 100% | $535,000 | View |
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10865 Haynes Bridge Rd, Alpharetta, GA 30022 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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11575 Haynes Bridge Rd, Alpharetta, GA 30009 A+5.0 ★Texas Ratio: 1.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Direct Lenders, LLC.
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Conventional | 1 | 1.1% | 100% | $315,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 1.1% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 11 | 12.5% | 64.7% | $244,090 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 9.1% | 88.9% | $246,250 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA, USDA | 4 | 4.5% | 66.7% | $355,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 3.4% | 100% | $225,000 | |
Mortgage Research Center
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VA | 3 | 3.4% | 100% | $391,666 | |
Lower, LLC
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Conventional, USDA | 3 | 3.4% | 100% | $265,000 | |
loanDepot.com LLC
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Conventional, HELOC | 2 +1 HELOCs |
2.3% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional | 2 | 2.3% | 100% | $355,000 | View |
Guaranteed Rate, Inc.
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Conventional, VA | 2 | 2.3% | 100% | $380,000 | |
Kind Lending, LLC
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Conventional, VA, Jumbo | 2 | 2.3% | 100% | $725,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 2.3% | 100% | $270,000 | |
Union Home Mortgage Corp.
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Conventional, VA | 2 | 2.3% | 100% | $365,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 2.3% | 100% | $400,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 2.3% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 2.3% | 100% | $195,000 | |
State Employees' Credit Union
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Conventional | 1 | 1.1% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.1% | 100% | $465,000 | View |
Primelending
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Conventional | 1 | 1.1% | 100% | $135,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 1.1% | 100% | $335,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
FHA | 1 | 1.1% | 100% | $275,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $355,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 1.1% | 50% | $115,000 | |
Builtwell Bank
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Conventional | 1 | 1.1% | 100% | $295,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.1% | 100% | $405,000 | |
Valley West Corporation
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Conventional | 1 | 1.1% | 100% | $315,000 | |
Atlantic Bay Mortgage Group
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VA | 1 | 1.1% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 1.1% | 100% | $485,000 | View |
Saygo Home Loans, LLC
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VA | 1 | 1.1% | 100% | $515,000 | |
Towne Mortgage Company
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Conventional | 1 | 1.1% | 100% | $805,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 1.1% | 100% | $395,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 1.1% | 100% | $575,000 | View |
Reliance First Capital, LLC
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FHA | 1 | 1.1% | 100% | $235,000 | |
Bank Ozk
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
First Commerce Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Young Harris 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 Young Harris, Georgia
Looking for mortgage lenders near me or mortgage brokers near me in Young Harris? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Young Harris in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Young Harris, GA
Use these to narrow the list above. Each category shows how many Young Harris, GA lenders fit and what that kind of lender is usually best for.
Who Lends in Young Harris, GA
Independent mortgage companies closed 69.3 percent of home loans in Young Harris, Georgia in 2025, banks 23.9 percent and credit unions 6.8 percent. Southeast Mortgage of Georgia, Inc. was the largest mortgage company, United Community Bank the largest bank and Peach State Federal Credit Union the largest credit union. Among lenders headquartered in Georgia, Southeast Mortgage of Georgia, Inc. led with 2 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 Young Harris, GA
By home loans closed in 2025, United Community Bank was the largest mortgage lender in Young Harris, Georgia with 8 loans, about 9.1 percent of the market. The largest lender headquartered in Georgia was Southeast Mortgage of Georgia, Inc. with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Young Harris, Georgia in 2025, led by Rocket Mortgage with 2. 10 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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. 16 banks and 7 credit unions closed home loans in Young Harris, Georgia in 2025, alongside 27 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 Young Harris, 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 Young Harris, 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 Young Harris. 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.
