Which mortgage lender in the Athens, GA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Athens, GA area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Athens, GA area in terms of interest rate is Ameris Bank, with an average “Rate Difference” of -0.13%. This means that, comparing similar borrowers, Ameris Bank provided a -0.13% lower interest rate for its customers than other lenders in the area. Ameris Bank has a market share of 3.4%. On the other hand, the most popular lender in the Athens, GA area is Quicken Loans, with a larger market share of 14.0%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.08% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Athens, GA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Athens, GA is Ameris Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Regions Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Fairway Independent Mortgage Corporation. The cheapest VA mortgage provider is loanDepot. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Athens, GA
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Ameris Bank | -0.13% | 3.44% | |
| First Federal Bank of Florida | -0.11% | 1.54% | |
| Bank of America | -0.09% | 2.26% | |
| Movement Mortgage | -0.07% | 6.57% | |
| Regions Bank | -0.06% | 9.60% | |
| Truist Bank | -0.05% | 1.49% | |
| South State Bank | -0.05% | 1.63% | |
| Capital City Home Loans | -0.04% | 1.81% | |
| Magnolia Bank | -0.04% | 3.03% | |
| SunTrust Bank | -0.03% | 1.40% | |
| BankSouth Mortgage | -0.03% | 10.05% | |
| Acopia Home Loans | -0.02% | 2.67% | |
| Wells Fargo Bank | -0.02% | 3.22% | |
| Fairway Independent Mortgage Corporation | -0.02% | 5.75% | |
| loanDepot | -0.02% | 1.81% | |
| Synovus Bank | -0.01% | 1.77% | |
| Georgia United Credit Union | -0.01% | 2.31% | |
| USAA | -0.01% | 1.90% | |
| Guaranteed Rate | 0.05% | 5.30% | |
| Primary Residential Mortgage Inc | 0.05% | 2.04% | |
| HomeStar Financial | 0.05% | 5.84% | |
| Mr. Cooper | 0.07% | 1.86% | |
| Quicken Loans | 0.08% | 13.99% | |
| PrimeLending | 0.08% | 6.61% | |
| OneTrust Home Loans | 0.15% | 2.08% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of America | -0.13% | 2.15% | |
| Ameris Bank | -0.10% | 2.86% | |
| First Federal Bank of Florida | -0.08% | 0.86% | |
| South State Bank | -0.08% | 1.72% | |
| Wells Fargo Bank | -0.07% | 3.00% | |
| Truist Bank | -0.06% | 1.36% | |
| Movement Mortgage | -0.06% | 8.94% | |
| Regions Bank | -0.06% | 10.52% | |
| SunTrust Bank | -0.04% | 1.14% | |
| Capital City Home Loans | -0.03% | 2.00% | |
| Magnolia Bank | -0.02% | 1.86% | |
| Synovus Bank | -0.02% | 1.65% | |
| Fairway Independent Mortgage Corporation | -0.01% | 7.87% | |
| Acopia Home Loans | -0.01% | 3.22% | |
| BankSouth Mortgage | -0.01% | 12.59% | |
| USAA | -0.00% | 2.58% | |
| Georgia United Credit Union | 0.00% | 2.07% | |
| loanDepot | 0.01% | 0.36% | |
| Mr. Cooper | 0.03% | 0.43% | |
| Guaranteed Rate | 0.05% | 6.08% | |
| Quicken Loans | 0.06% | 6.08% | |
| Primary Residential Mortgage Inc | 0.06% | 2.72% | |
| HomeStar Financial | 0.08% | 7.58% | |
| PrimeLending | 0.11% | 7.08% | |
| OneTrust Home Loans | 0.15% | 3.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Ameris Bank | -0.16% | 4.44% | |
| First Federal Bank of Florida | -0.14% | 2.72% | |
| BankSouth Mortgage | -0.07% | 5.68% | |
| Regions Bank | -0.07% | 8.02% | |
| HomeStar Financial | -0.07% | 2.84% | |
| Movement Mortgage | -0.06% | 2.47% | |
| Capital City Home Loans | -0.06% | 1.48% | |
| Magnolia Bank | -0.05% | 5.06% | |
| Acopia Home Loans | -0.05% | 1.73% | |
| Bank of America | -0.04% | 2.47% | |
| USAA | -0.04% | 0.74% | |
| Georgia United Credit Union | -0.03% | 2.72% | |
| SunTrust Bank | -0.03% | 1.85% | |
| Truist Bank | -0.03% | 1.73% | |
| loanDepot | -0.03% | 4.32% | |
| Fairway Independent Mortgage Corporation | -0.03% | 2.10% | |
| Synovus Bank | -0.01% | 1.98% | |
| South State Bank | 0.01% | 1.48% | |
| Primary Residential Mortgage Inc | 0.03% | 0.86% | |
| PrimeLending | 0.04% | 5.80% | |
| Wells Fargo Bank | 0.05% | 3.58% | |
| Guaranteed Rate | 0.06% | 3.95% | |
| Mr. Cooper | 0.07% | 4.32% | |
| Quicken Loans | 0.09% | 27.65% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Ameris Bank | -0.15% | 3.88% | |
| First Federal Bank of Florida | -0.12% | 1.91% | |
| Bank of America | -0.10% | 2.69% | |
| Movement Mortgage | -0.07% | 6.51% | |
| Regions Bank | -0.06% | 10.51% | |
| Truist Bank | -0.05% | 1.85% | |
| South State Bank | -0.05% | 2.15% | |
| Capital City Home Loans | -0.04% | 2.27% | |
| SunTrust Bank | -0.04% | 1.73% | |
| Magnolia Bank | -0.03% | 3.41% | |
| BankSouth Mortgage | -0.02% | 11.29% | |
| USAA | -0.02% | 1.37% | |
| Wells Fargo Bank | -0.02% | 3.88% | |
| Synovus Bank | -0.02% | 1.19% | |
| Georgia United Credit Union | -0.01% | 2.93% | |
| loanDepot | -0.01% | 1.49% | |
| Acopia Home Loans | -0.01% | 2.15% | |
| Fairway Independent Mortgage Corporation | -0.00% | 5.68% | |
| OneTrust Home Loans | 0.01% | 0.36% | |
| HomeStar Financial | 0.05% | 4.12% | |
| Guaranteed Rate | 0.05% | 5.20% | |
| Primary Residential Mortgage Inc | 0.06% | 2.09% | |
| PrimeLending | 0.11% | 7.35% | |
| Quicken Loans | 0.12% | 12.78% | |
| Mr. Cooper | 0.14% | 1.19% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Ameris Bank | -0.14% | 2.91% | |
| Bank of America | -0.13% | 2.62% | |
| First Federal Bank of Florida | -0.08% | 1.17% | |
| South State Bank | -0.07% | 2.33% | |
| Wells Fargo Bank | -0.07% | 3.79% | |
| Movement Mortgage | -0.06% | 8.93% | |
| Truist Bank | -0.06% | 1.75% | |
| Regions Bank | -0.05% | 12.23% | |
| SunTrust Bank | -0.04% | 1.36% | |
| Capital City Home Loans | -0.03% | 2.52% | |
| USAA | -0.02% | 2.04% | |
| Synovus Bank | -0.01% | 1.65% | |
| BankSouth Mortgage | -0.00% | 14.27% | |
| loanDepot | 0.00% | 0.29% | |
| Georgia United Credit Union | 0.00% | 2.72% | |
| Magnolia Bank | 0.01% | 1.65% | |
| Fairway Independent Mortgage Corporation | 0.01% | 7.67% | |
| Mr. Cooper | 0.01% | 0.19% | |
| Acopia Home Loans | 0.01% | 2.72% | |
| OneTrust Home Loans | 0.02% | 0.58% | |
| Guaranteed Rate | 0.05% | 5.73% | |
| Primary Residential Mortgage Inc | 0.07% | 2.91% | |
| Quicken Loans | 0.09% | 5.53% | |
| HomeStar Financial | 0.11% | 4.76% | |
| PrimeLending | 0.15% | 7.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Ameris Bank | -0.17% | 5.43% | |
| First Federal Bank of Florida | -0.15% | 3.11% | |
| Regions Bank | -0.08% | 7.76% | |
| BankSouth Mortgage | -0.08% | 6.52% | |
| HomeStar Financial | -0.08% | 3.11% | |
| Movement Mortgage | -0.08% | 2.64% | |
| Acopia Home Loans | -0.07% | 1.24% | |
| Capital City Home Loans | -0.06% | 1.86% | |
| Magnolia Bank | -0.06% | 6.21% | |
| Bank of America | -0.05% | 2.80% | |
| Georgia United Credit Union | -0.04% | 3.26% | |
| SunTrust Bank | -0.04% | 2.33% | |
| Truist Bank | -0.03% | 2.02% | |
| Fairway Independent Mortgage Corporation | -0.03% | 2.48% | |
| loanDepot | -0.03% | 3.42% | |
| Synovus Bank | -0.02% | 0.47% | |
| USAA | -0.01% | 0.31% | |
| South State Bank | 0.01% | 1.86% | |
| Primary Residential Mortgage Inc | 0.03% | 0.78% | |
| PrimeLending | 0.04% | 6.83% | |
| Wells Fargo Bank | 0.05% | 4.04% | |
| Guaranteed Rate | 0.06% | 4.35% | |
| Quicken Loans | 0.12% | 24.38% | |
| Mr. Cooper | 0.14% | 2.80% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.09% | 6.44% | |
| Magnolia Bank | -0.07% | 2.24% | |
| Movement Mortgage | -0.07% | 7.56% | |
| Regions Bank | -0.07% | 3.92% | |
| Acopia Home Loans | -0.06% | 4.20% | |
| PrimeLending | -0.06% | 4.20% | |
| BankSouth Mortgage | -0.06% | 6.16% | |
| Quicken Loans | -0.02% | 20.17% | |
| loanDepot | -0.02% | 2.52% | |
| Truist Bank | -0.01% | 0.28% | |
| Bank of America | -0.01% | 0.28% | |
| Capital City Home Loans | -0.00% | 0.56% | |
| Mr. Cooper | 0.01% | 5.04% | |
| Wells Fargo Bank | 0.01% | 0.28% | |
| Ameris Bank | 0.03% | 2.24% | |
| Guaranteed Rate | 0.03% | 7.56% | |
| Primary Residential Mortgage Inc | 0.05% | 1.96% | |
| HomeStar Financial | 0.06% | 15.13% | |
| OneTrust Home Loans | 0.18% | 9.24% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.10% | 8.49% | |
| Regions Bank | -0.08% | 4.43% | |
| Acopia Home Loans | -0.08% | 4.43% | |
| Magnolia Bank | -0.08% | 2.95% | |
| Movement Mortgage | -0.08% | 9.96% | |
| PrimeLending | -0.07% | 5.54% | |
| BankSouth Mortgage | -0.07% | 7.75% | |
| Quicken Loans | -0.02% | 7.75% | |
| Truist Bank | -0.02% | 0.37% | |
| Bank of America | -0.01% | 0.37% | |
| Capital City Home Loans | -0.01% | 0.74% | |
| loanDepot | 0.01% | 0.37% | |
| Ameris Bank | 0.02% | 2.95% | |
| Guaranteed Rate | 0.03% | 8.86% | |
| Mr. Cooper | 0.03% | 1.48% | |
| Primary Residential Mortgage Inc | 0.05% | 2.58% | |
| HomeStar Financial | 0.06% | 18.82% | |
| OneTrust Home Loans | 0.17% | 12.18% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.01% | 59.30% | |
| loanDepot | -0.00% | 9.30% | |
| Acopia Home Loans | 0.00% | 3.49% | |
| BankSouth Mortgage | 0.01% | 1.16% | |
| Guaranteed Rate | 0.01% | 3.49% | |
| Regions Bank | 0.02% | 2.33% | |
| Mr. Cooper | 0.02% | 16.28% | |
| HomeStar Financial | 0.03% | 3.49% | |
| Wells Fargo Bank | 0.03% | 1.16% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Regions Bank | -0.03% | 26.79% | |
| Synovus Bank | 0.00% | 33.93% | |
| SunTrust Bank | 0.01% | 3.57% | |
| Truist Bank | 0.01% | 1.79% | |
| Wells Fargo Bank | 0.01% | 5.36% | |
| Ameris Bank | 0.02% | 1.79% | |
| Bank of America | 0.02% | 7.14% | |
| Acopia Home Loans | 0.02% | 1.79% | |
| Georgia United Credit Union | 0.02% | 3.57% | |
| Guaranteed Rate | 0.02% | 1.79% | |
| BankSouth Mortgage | 0.02% | 3.57% | |
| PrimeLending | 0.03% | 5.36% | |
| Fairway Independent Mortgage Corporation | 0.03% | 3.57% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Synovus Bank | -0.02% | 26.09% | |
| Regions Bank | -0.02% | 21.74% | |
| SunTrust Bank | 0.01% | 8.70% | |
| Bank of America | 0.01% | 8.70% | |
| Wells Fargo Bank | 0.01% | 13.04% | |
| Acopia Home Loans | 0.02% | 4.35% | |
| BankSouth Mortgage | 0.02% | 4.35% | |
| Georgia United Credit Union | 0.02% | 4.35% | |
| Fairway Independent Mortgage Corporation | 0.03% | 8.70% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Regions Bank | -0.03% | 30.30% | |
| Synovus Bank | 0.01% | 39.39% | |
| Georgia United Credit Union | 0.01% | 3.03% | |
| Truist Bank | 0.01% | 3.03% | |
| Ameris Bank | 0.01% | 3.03% | |
| Guaranteed Rate | 0.02% | 3.03% | |
| BankSouth Mortgage | 0.02% | 3.03% | |
| Bank of America | 0.02% | 6.06% | |
| PrimeLending | 0.03% | 9.09% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| loanDepot | -0.04% | 4.96% | |
| Acopia Home Loans | -0.04% | 5.79% | |
| Ameris Bank | -0.03% | 1.65% | |
| Regions Bank | -0.02% | 5.79% | |
| Guaranteed Rate | -0.02% | 1.65% | |
| PrimeLending | -0.02% | 4.13% | |
| Movement Mortgage | -0.02% | 7.44% | |
| Fairway Independent Mortgage Corporation | -0.01% | 5.79% | |
| First Federal Bank of Florida | -0.01% | 1.65% | |
| USAA | -0.00% | 15.70% | |
| Primary Residential Mortgage Inc | -0.00% | 2.48% | |
| Magnolia Bank | -0.00% | 1.65% | |
| BankSouth Mortgage | 0.00% | 7.44% | |
| Wells Fargo Bank | 0.01% | 1.65% | |
| HomeStar Financial | 0.01% | 4.96% | |
| Quicken Loans | 0.02% | 19.01% | |
| Mr. Cooper | 0.03% | 2.48% | |
| OneTrust Home Loans | 0.09% | 5.79% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Acopia Home Loans | -0.04% | 5.41% | |
| Quicken Loans | -0.03% | 9.46% | |
| Ameris Bank | -0.03% | 2.70% | |
| Regions Bank | -0.03% | 5.41% | |
| Guaranteed Rate | -0.02% | 2.70% | |
| Magnolia Bank | -0.02% | 1.35% | |
| PrimeLending | -0.02% | 6.76% | |
| Primary Residential Mortgage Inc | -0.01% | 1.35% | |
| Fairway Independent Mortgage Corporation | -0.01% | 8.11% | |
| Movement Mortgage | -0.01% | 8.11% | |
| BankSouth Mortgage | -0.00% | 9.46% | |
| loanDepot | 0.00% | 1.35% | |
| HomeStar Financial | 0.01% | 8.11% | |
| USAA | 0.01% | 20.27% | |
| OneTrust Home Loans | 0.09% | 9.46% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.05% | 8.51% | |
| loanDepot | -0.05% | 10.64% | |
| Acopia Home Loans | -0.04% | 6.38% | |
| Movement Mortgage | -0.03% | 6.38% | |
| Fairway Independent Mortgage Corporation | -0.03% | 2.13% | |
| Regions Bank | -0.02% | 6.38% | |
| First Federal Bank of Florida | -0.01% | 4.26% | |
| Primary Residential Mortgage Inc | 0.00% | 4.26% | |
| Wells Fargo Bank | 0.01% | 4.26% | |
| Magnolia Bank | 0.02% | 2.13% | |
| BankSouth Mortgage | 0.02% | 4.26% | |
| Mr. Cooper | 0.03% | 6.38% | |
| Quicken Loans | 0.04% | 34.04% |
* Data is compiled for the Athens, GA commuting zone area, which comprises of counties of Clarke County, GA, Madison County, GA, Oconee County, GA, and Oglethorpe County, GA. This includes cities/towns/communities of Athens, GA as well as Athens-Clarke County unified government (balance), GA, Bogart, GA, Watkinsville, GA, North High Shoals, GA, Arnoldsville, GA, Colbert, GA, Hull, GA, Bishop, GA, Ila, GA, Carlton, GA, Danielsville, GA, Crawford, GA, Royston, GA, and Maxeys, GA. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Athens, GA area. For mortgage lender rankings in other cities, click here.