Mortgage lenders in Clarke County
1,877 mortgages were made in Clarke County, Georgia, in 2025, by 305 lenders. The median rate their borrowers got was 6.625% on a median loan of $235,000. Of 2,460 decisions, 510 were denials — 20.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 146 | 6.374% | $280,000 | 13.5% |
| Rocket Mortgage, LLC | 122 | 6.750% | $210,000 | 20.7% |
| First American Bank and Trust Company | 105 | Not published | $235,000 | 1.8% |
| Synovus Bank | 102 | 7.500% | $225,000 | 16.7% |
| Regions Bank | 84 | 6.125% | $265,000 | 19.1% |
| Oconee State Bank | 70 | Not published | $245,000 | 6.7% |
| City National Bank of Florida | 61 | 6.375% | $275,000 | 10.3% |
| GEORGIA UNITED | 59 | 7.250% | $75,000 | 25.9% |
| Truist Bank | 43 | 6.340% | $105,000 | 50.6% |
| Bank of America, National Association | 37 | 6.490% | $105,000 | 36.2% |
| Ameris Bank | 37 | 6.625% | $315,000 | 15.9% |
| Fairway Independent Mortgage Corporation | 37 | 6.558% | $265,000 | 2.6% |
| The Commercial Bank | 33 | Not published | $225,000 | 2.9% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 6.499% | $275,000 | 13.5% |
| Classic City Bank | 30 | Not published | $300,000 | 0.0% |
| PINNACLE BANK | 29 | Not published | $225,000 | 18.4% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 26 | 6.625% | $285,000 | 10.0% |
| ROBINS FINANCIAL | 25 | 6.313% | $85,000 | 31.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.625% | $225,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 21 | 6.500% | $265,000 | 8.7% |
| United Community Bank | 20 | 6.500% | $140,000 | 13.0% |
| FREEDOM MORTGAGE CORPORATION | 19 | 6.250% | $235,000 | 17.4% |
| Loandepot.Com, LLC | 19 | 6.990% | $115,000 | 30.0% |
| KIND LENDING, LLC | 19 | 6.250% | $335,000 | 17.4% |
| COLONY BANK | 18 | 6.375% | $235,000 | 0.0% |
| Navy Federal Credit Union | 16 | 7.125% | $160,000 | 26.1% |
| NATIONSTAR MORTGAGE LLC | 16 | 8.375% | $80,000 | 19.1% |
| NFM, INC. | 15 | 6.750% | $335,000 | 6.3% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 13 | 6.000% | $255,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.375% | $235,000 | 23.5% |
| 21st Mortgage Corporation | 12 | 9.200% | $190,000 | 52.0% |
| SouthState Bank, National Association | 11 | 6.590% | $245,000 | 35.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.790% | $85,000 | 8.3% |
| Cadence Bank | 11 | 6.670% | $245,000 | 8.3% |
| Mortgage Research Center, LLC | 10 | 6.250% | $300,000 | 37.5% |
| FIGURE LENDING LLC | 10 | 8.700% | $50,000 | 23.5% |
| JPMorgan Chase Bank, National Association | 10 | 6.375% | $255,000 | 9.1% |
| GUILD MORTGAGE COMPANY | 10 | 6.125% | $280,000 | 8.3% |
| BankSouth | 10 | Not published | $240,000 | 0.0% |
| ACOPIA, LLC | 10 | 6.250% | $255,000 | 0.0% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 35.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 61.9% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Third Federal Savings and Loan Association of Cleveland | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AmeriSave Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 75.0% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 11.8% |
| PEACH STATE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DELTA COMMUNITY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 68.8% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Presidential Bank, FSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 79.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 53.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF GEORGIA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 69.2% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PRIDE BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MyGeorgia Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ATLANTA POSTAL | 2 | Under 10 loans | Under 10 loans | 66.7% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peach State Bank & Trust | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE ASSURANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SHELTER HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| F&M Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Thomasville National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Associated Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Onward Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Palmetto Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| American Security Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549002AEOG52GLE5B68 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Oaks Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME ACCESS FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Workmen's Circle Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CDC FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Exchange Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 105 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Clarke County
27 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Pinnacle Bank | 4 | $1.1 billion |
| Truist Bank | 4 | $603.1 million |
| First American Bank and Trust Company | 3 | $461.4 million |
| Bank of America, National Association | 2 | $468.3 million |
| Wells Fargo Bank, National Association | 2 | $420.5 million |
| Regions Bank | 2 | $131.4 million |
| Classic City Bank | 1 | $277.8 million |
| United Community Bank | 1 | $137.9 million |
| The Huntington National Bank | 1 | $105.1 million |
| Bank OZK | 1 | $99.5 million |
| SouthState Bank, National Association | 1 | $88.1 million |
| First-Citizens Bank & Trust Company | 1 | $57.9 million |
| The Commercial Bank | 1 | $56.7 million |
| JPMorgan Chase Bank, National Association | 1 | $54.7 million |
| Oconee State Bank | 1 | $47.1 million |
| Vallant Bank | 1 | $29.4 million |
Closed since the 2025 survey
5 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 2234 W Broad St, Athens
- Synovus Bank, 150 W Hancock Ave, Athens
- Synovus Bank, 1855 Barnett Shoals Rd, Athens
- Synovus Bank, 310 Alps Rd, Athens
- Synovus Bank, 4000 Atlanta Hwy, Athens
Get told when this changes
When the next year’s lending figures are out for Clarke County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.