Top Mortgage Lenders in Athens, GA

Which mortgage lender in the Athens, GA area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Athens, GA area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Athens, GA area is Ameris Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.13%. This means that Ameris Bank provided a -0.13% lower interest rate for its customers than other lenders in Athens, GA for a similar set of borrowers. Ameris Bank has a market share of 3.2%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 13.4%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.09% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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, 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 (for example, above $510,400 in 2020), 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 Mort Corp. The cheapest VA mortgage provider is LoanDepot. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Athens, GA

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Ameris Bank 1, -0.13% 3.25%
First Federal Bank 2, -0.11% 1.45%
Bank of America 3, -0.09% 2.14%
Movement Mortgage 4, -0.07% 6.20%
Regions Bank 5, -0.06% 9.06%
Truist Bank 6, -0.05% 1.41%
South State Bank 7, -0.05% 1.54%
Synovus Mortgage Corp 8, -0.04% 3.25%
Brand Mortgage 9, -0.04% 1.71%
Magnolia Bank Incorporated 10, -0.04% 2.91%
Suntrust Banks, Inc 11, -0.03% 1.32%
BankSouth Mortgage Company, LL 12, -0.03% 9.49%
Acopia Capital Group 13, -0.02% 2.52%
Wells Fargo Bank 14, -0.02% 3.03%
Fairway Independent Mort Corp 15, -0.02% 5.43%
Synovus Bank 16, -0.02% 1.75%
LoanDepot 17, -0.01% 1.71%
Georgia United Credit Union 18, -0.01% 2.18%
Usaa Federal Savings Bank 19, -0.01% 1.79%
Fidelity Bank 20, 0.03% 2.09%
Guaranteed Rate Inc 21, 0.05% 5.00%
Primary Residential Mortgage Inc 22, 0.05% 1.92%
HomeStar Financial Corporation 23, 0.05% 5.51%
Nationstar Mortgage 24, 0.08% 1.75%
Primelending 25, 0.08% 6.24%
Quicken Loans 26, 0.09% 13.38%
CalCon Mutual Mortgage 27, 0.15% 1.97%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.12% 2.04%
Ameris Bank 2, -0.10% 2.71%
First Federal Bank 3, -0.08% 0.81%
South State Bank 4, -0.08% 1.63%
Wells Fargo Bank 5, -0.07% 2.85%
Truist Bank 6, -0.06% 1.29%
Movement Mortgage 7, -0.06% 8.48%
Regions Bank 8, -0.06% 9.97%
Synovus Mortgage Corp 9, -0.06% 2.71%
Suntrust Banks, Inc 10, -0.04% 1.09%
Brand Mortgage 11, -0.03% 1.90%
Synovus Bank 12, -0.02% 1.63%
Magnolia Bank Incorporated 13, -0.02% 1.76%
Fairway Independent Mort Corp 14, -0.01% 7.46%
Acopia Capital Group 15, -0.01% 3.05%
BankSouth Mortgage Company, LL 16, -0.01% 11.94%
Usaa Federal Savings Bank 17, 0.00% 2.44%
Georgia United Credit Union 18, 0.00% 1.97%
LoanDepot 19, 0.01% 0.34%
Fidelity Bank 20, 0.03% 2.24%
Nationstar Mortgage 21, 0.04% 0.41%
Guaranteed Rate Inc 22, 0.05% 5.77%
Primary Residential Mortgage Inc 23, 0.06% 2.58%
Quicken Loans 24, 0.06% 5.90%
HomeStar Financial Corporation 25, 0.08% 7.19%
Primelending 26, 0.11% 6.72%
CalCon Mutual Mortgage 27, 0.15% 3.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Ameris Bank 1, -0.16% 4.16%
First Federal Bank 2, -0.14% 2.54%
BankSouth Mortgage Company, LL 3, -0.08% 5.31%
Regions Bank 4, -0.07% 7.51%
HomeStar Financial Corporation 5, -0.06% 2.66%
Movement Mortgage 6, -0.06% 2.31%
Brand Mortgage 7, -0.06% 1.39%
Magnolia Bank Incorporated 8, -0.05% 4.85%
Acopia Capital Group 9, -0.05% 1.62%
Bank of America 10, -0.04% 2.31%
Usaa Federal Savings Bank 11, -0.04% 0.69%
Georgia United Credit Union 12, -0.03% 2.54%
Suntrust Banks, Inc 13, -0.03% 1.73%
Truist Bank 14, -0.03% 1.62%
Synovus Mortgage Corp 15, -0.03% 4.16%
LoanDepot 16, -0.03% 4.04%
Fairway Independent Mort Corp 17, -0.03% 1.96%
Synovus Bank 18, -0.01% 1.96%
South State Bank 19, 0.01% 1.39%
Primary Residential Mortgage Inc 20, 0.03% 0.81%
Primelending 21, 0.04% 5.43%
Fidelity Bank 22, 0.04% 1.85%
Wells Fargo Bank 23, 0.05% 3.35%
Guaranteed Rate Inc 24, 0.05% 3.70%
Nationstar Mortgage 25, 0.07% 4.04%
Quicken Loans 26, 0.09% 26.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Ameris Bank 1, -0.15% 3.63%
First Federal Bank 2, -0.12% 1.79%
Bank of America 3, -0.10% 2.52%
Movement Mortgage 4, -0.07% 6.09%
Regions Bank 5, -0.07% 9.84%
Truist Bank 6, -0.05% 1.73%
South State Bank 7, -0.05% 2.01%
Synovus Mortgage Corp 8, -0.04% 3.86%
Brand Mortgage 9, -0.04% 2.12%
Suntrust Banks, Inc 10, -0.03% 1.62%
Magnolia Bank Incorporated 11, -0.03% 3.24%
BankSouth Mortgage Company, LL 12, -0.02% 10.56%
Usaa Federal Savings Bank 13, -0.02% 1.29%
Wells Fargo Bank 14, -0.02% 3.63%
Synovus Bank 15, -0.02% 1.12%
Georgia United Credit Union 16, -0.01% 2.74%
LoanDepot 17, -0.01% 1.40%
Acopia Capital Group 18, -0.01% 2.01%
Fairway Independent Mort Corp 19, -0.00% 5.31%
CalCon Mutual Mortgage 20, 0.01% 0.34%
Fidelity Bank 21, 0.04% 2.29%
HomeStar Financial Corporation 22, 0.05% 3.86%
Guaranteed Rate Inc 23, 0.05% 4.86%
Primary Residential Mortgage Inc 24, 0.06% 1.96%
Primelending 25, 0.11% 6.88%
Quicken Loans 26, 0.13% 12.19%
Nationstar Mortgage 27, 0.14% 1.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Ameris Bank 1, -0.14% 2.73%
Bank of America 2, -0.13% 2.46%
First Federal Bank 3, -0.07% 1.09%
South State Bank 4, -0.07% 2.19%
Wells Fargo Bank 5, -0.07% 3.55%
Movement Mortgage 6, -0.06% 8.38%
Truist Bank 7, -0.06% 1.64%
Regions Bank 8, -0.06% 11.48%
Synovus Mortgage Corp 9, -0.05% 3.46%
Suntrust Banks, Inc 10, -0.04% 1.28%
Brand Mortgage 11, -0.03% 2.37%
Usaa Federal Savings Bank 12, -0.01% 1.91%
Synovus Bank 13, -0.01% 1.55%
BankSouth Mortgage Company, LL 14, -0.00% 13.39%
LoanDepot 15, 0.00% 0.27%
Georgia United Credit Union 16, 0.01% 2.55%
Magnolia Bank Incorporated 17, 0.01% 1.55%
Fairway Independent Mort Corp 18, 0.01% 7.19%
Nationstar Mortgage 19, 0.01% 0.18%
Acopia Capital Group 20, 0.02% 2.55%
CalCon Mutual Mortgage 21, 0.02% 0.55%
Fidelity Bank 22, 0.04% 2.55%
Guaranteed Rate Inc 23, 0.05% 5.37%
Primary Residential Mortgage Inc 24, 0.07% 2.73%
Quicken Loans 25, 0.10% 5.37%
HomeStar Financial Corporation 26, 0.11% 4.46%
Primelending 27, 0.15% 7.19%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Ameris Bank 1, -0.17% 5.07%
First Federal Bank 2, -0.15% 2.89%
BankSouth Mortgage Company, LL 3, -0.09% 6.08%
Regions Bank 4, -0.08% 7.24%
HomeStar Financial Corporation 5, -0.08% 2.89%
Movement Mortgage 6, -0.07% 2.46%
Acopia Capital Group 7, -0.07% 1.16%
Brand Mortgage 8, -0.06% 1.74%
Magnolia Bank Incorporated 9, -0.06% 5.93%
Bank of America 10, -0.05% 2.60%
Georgia United Credit Union 11, -0.04% 3.04%
Truist Bank 12, -0.04% 1.88%
Synovus Mortgage Corp 13, -0.03% 4.49%
Suntrust Banks, Inc 14, -0.03% 2.17%
Fairway Independent Mort Corp 15, -0.03% 2.32%
LoanDepot 16, -0.03% 3.18%
Synovus Bank 17, -0.02% 0.43%
Usaa Federal Savings Bank 18, -0.01% 0.29%
South State Bank 19, 0.01% 1.74%
Primary Residential Mortgage Inc 20, 0.03% 0.72%
Primelending 21, 0.03% 6.37%
Fidelity Bank 22, 0.04% 1.88%
Wells Fargo Bank 23, 0.06% 3.76%
Guaranteed Rate Inc 24, 0.06% 4.05%
Quicken Loans 25, 0.13% 23.01%
Nationstar Mortgage 26, 0.14% 2.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.09% 6.32%
Magnolia Bank Incorporated 2, -0.07% 2.20%
Movement Mortgage 3, -0.07% 7.42%
Regions Bank 4, -0.07% 3.85%
Acopia Capital Group 5, -0.06% 4.12%
Primelending 6, -0.06% 4.12%
BankSouth Mortgage Company, LL 7, -0.06% 6.04%
Quicken Loans 8, -0.02% 19.78%
Synovus Mortgage Corp 9, -0.02% 1.10%
LoanDepot 10, -0.02% 2.47%
Truist Bank 11, -0.01% 0.27%
Bank of America 12, -0.01% 0.27%
Brand Mortgage 13, -0.00% 0.55%
Nationstar Mortgage 14, 0.01% 4.95%
Wells Fargo Bank 15, 0.01% 0.27%
Fidelity Bank 16, 0.02% 0.82%
Ameris Bank 17, 0.03% 2.20%
Guaranteed Rate Inc 18, 0.03% 7.42%
Primary Residential Mortgage Inc 19, 0.05% 1.92%
HomeStar Financial Corporation 20, 0.06% 14.84%
CalCon Mutual Mortgage 21, 0.18% 9.07%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.10% 8.36%
Regions Bank 2, -0.08% 4.36%
Acopia Capital Group 3, -0.08% 4.36%
Magnolia Bank Incorporated 4, -0.08% 2.91%
Movement Mortgage 5, -0.08% 9.82%
Primelending 6, -0.07% 5.45%
BankSouth Mortgage Company, LL 7, -0.07% 7.64%
Quicken Loans 8, -0.02% 7.64%
Truist Bank 9, -0.02% 0.36%
Bank of America 10, -0.01% 0.36%
Brand Mortgage 11, -0.01% 0.73%
Synovus Mortgage Corp 12, -0.01% 0.36%
LoanDepot 13, 0.01% 0.36%
Fidelity Bank 14, 0.01% 1.09%
Ameris Bank 15, 0.02% 2.91%
Guaranteed Rate Inc 16, 0.03% 8.73%
Nationstar Mortgage 17, 0.03% 1.45%
Primary Residential Mortgage Inc 18, 0.05% 2.55%
HomeStar Financial Corporation 19, 0.06% 18.55%
CalCon Mutual Mortgage 20, 0.17% 12.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Synovus Mortgage Corp 1, -0.01% 3.37%
Quicken Loans 2, -0.01% 57.30%
LoanDepot 3, -0.00% 8.99%
Acopia Capital Group 4, 0.00% 3.37%
BankSouth Mortgage Company, LL 5, 0.01% 1.12%
Guaranteed Rate Inc 6, 0.01% 3.37%
Regions Bank 7, 0.02% 2.25%
Nationstar Mortgage 8, 0.02% 15.73%
HomeStar Financial Corporation 9, 0.03% 3.37%
Wells Fargo Bank 10, 0.03% 1.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Regions Bank 1, -0.03% 23.44%
Synovus Bank 2, -0.00% 32.81%
Suntrust Banks, Inc 3, 0.01% 3.12%
Truist Bank 4, 0.01% 1.56%
Wells Fargo Bank 5, 0.01% 4.69%
Guaranteed Rate Inc 6, 0.01% 1.56%
Synovus Mortgage Corp 7, 0.01% 3.12%
Bank of America 8, 0.01% 6.25%
Ameris Bank 9, 0.01% 1.56%
Acopia Capital Group 10, 0.01% 1.56%
Georgia United Credit Union 11, 0.02% 3.12%
BankSouth Mortgage Company, LL 12, 0.02% 3.12%
Primelending 13, 0.02% 4.69%
Fairway Independent Mort Corp 14, 0.03% 3.12%
Fidelity Bank 15, 0.04% 6.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Synovus Bank 1, -0.02% 26.92%
Regions Bank 2, -0.02% 19.23%
Suntrust Banks, Inc 3, 0.01% 7.69%
Bank of America 4, 0.01% 7.69%
Synovus Mortgage Corp 5, 0.01% 3.85%
Fidelity Bank 6, 0.01% 3.85%
Wells Fargo Bank 7, 0.01% 11.54%
Acopia Capital Group 8, 0.02% 3.85%
BankSouth Mortgage Company, LL 9, 0.02% 3.85%
Georgia United Credit Union 10, 0.02% 3.85%
Fairway Independent Mort Corp 11, 0.03% 7.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Regions Bank 1, -0.04% 26.32%
Synovus Bank 2, 0.00% 36.84%
Georgia United Credit Union 3, 0.01% 2.63%
Truist Bank 4, 0.01% 2.63%
Guaranteed Rate Inc 5, 0.01% 2.63%
Ameris Bank 6, 0.01% 2.63%
Synovus Mortgage Corp 7, 0.01% 2.63%
Bank of America 8, 0.02% 5.26%
BankSouth Mortgage Company, LL 9, 0.02% 2.63%
Primelending 10, 0.02% 7.89%
Fidelity Bank 11, 0.05% 7.89%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.04% 4.88%
Acopia Capital Group 2, -0.04% 5.69%
Ameris Bank 3, -0.03% 1.63%
Regions Bank 4, -0.02% 5.69%
Guaranteed Rate Inc 5, -0.02% 1.63%
Primelending 6, -0.02% 4.07%
Movement Mortgage 7, -0.02% 7.32%
Fairway Independent Mort Corp 8, -0.01% 5.69%
Fidelity Bank 9, -0.01% 0.81%
First Federal Bank 10, -0.01% 1.63%
Synovus Mortgage Corp 11, -0.01% 0.81%
Usaa Federal Savings Bank 12, -0.00% 15.45%
Primary Residential Mortgage Inc 13, -0.00% 2.44%
Magnolia Bank Incorporated 14, -0.00% 1.63%
BankSouth Mortgage Company, LL 15, 0.00% 7.32%
Wells Fargo Bank 16, 0.01% 1.63%
HomeStar Financial Corporation 17, 0.01% 4.88%
Quicken Loans 18, 0.02% 18.70%
Nationstar Mortgage 19, 0.03% 2.44%
CalCon Mutual Mortgage 20, 0.09% 5.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Acopia Capital Group 1, -0.04% 5.33%
Quicken Loans 2, -0.03% 9.33%
Ameris Bank 3, -0.03% 2.67%
Regions Bank 4, -0.03% 5.33%
Guaranteed Rate Inc 5, -0.02% 2.67%
Magnolia Bank Incorporated 6, -0.02% 1.33%
Primelending 7, -0.02% 6.67%
Primary Residential Mortgage Inc 8, -0.01% 1.33%
Fidelity Bank 9, -0.01% 1.33%
Fairway Independent Mort Corp 10, -0.01% 8.00%
Movement Mortgage 11, -0.01% 8.00%
BankSouth Mortgage Company, LL 12, -0.00% 9.33%
LoanDepot 13, 0.00% 1.33%
HomeStar Financial Corporation 14, 0.01% 8.00%
Usaa Federal Savings Bank 15, 0.01% 20.00%
CalCon Mutual Mortgage 16, 0.09% 9.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.05% 8.33%
LoanDepot 2, -0.05% 10.42%
Acopia Capital Group 3, -0.04% 6.25%
Movement Mortgage 4, -0.03% 6.25%
Fairway Independent Mort Corp 5, -0.03% 2.08%
Regions Bank 6, -0.02% 6.25%
First Federal Bank 7, -0.01% 4.17%
Synovus Mortgage Corp 8, -0.01% 2.08%
Primary Residential Mortgage Inc 9, 0.00% 4.17%
Wells Fargo Bank 10, 0.01% 4.17%
Magnolia Bank Incorporated 11, 0.02% 2.08%
BankSouth Mortgage Company, LL 12, 0.02% 4.17%
Nationstar Mortgage 13, 0.03% 6.25%
Quicken Loans 14, 0.04% 33.33%

* 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 for the data comes from 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 based on the MSA, 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 for Other Cities

This page ranks the top mortgage lenders in the Athens, GA area. For mortgage lender rankings of other cities, click here.