Mortgage lenders in Walton County
2,798 mortgages were made in Walton County, Georgia, in 2025, by 317 lenders. The median rate their borrowers got was 6.625% on a median loan of $285,000. Of 3,816 decisions, 861 were denials — 22.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 282 | 6.936% | $205,000 | 20.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 200 | 6.125% | $335,000 | 10.2% |
| Fairway Independent Mortgage Corporation | 122 | 6.625% | $345,000 | 2.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 72 | 6.533% | $325,000 | 7.6% |
| NFM, INC. | 72 | 6.750% | $420,000 | 2.7% |
| ACOPIA, LLC | 70 | 6.500% | $310,000 | 0.0% |
| Synovus Bank | 63 | 8.150% | $125,000 | 27.0% |
| PENNYMAC LOAN SERVICES, LLC | 60 | 6.750% | $265,000 | 15.2% |
| FREEDOM MORTGAGE CORPORATION | 59 | 6.250% | $375,000 | 12.8% |
| PINNACLE BANK | 55 | Not published | $145,000 | 22.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 51 | 4.990% | $435,000 | 15.0% |
| Regions Bank | 43 | 6.250% | $285,000 | 18.3% |
| Loandepot.Com, LLC | 41 | 7.875% | $115,000 | 39.1% |
| EVERETT FINANCIAL, INC. | 40 | 6.500% | $305,000 | 0.0% |
| Bank of America, National Association | 38 | 6.433% | $105,000 | 50.6% |
| Navy Federal Credit Union | 38 | 8.475% | $95,000 | 43.5% |
| Mortgage Research Center, LLC | 38 | 6.250% | $375,000 | 34.5% |
| Truist Bank | 36 | 6.683% | $225,000 | 51.9% |
| Broker Solutions, Inc. | 35 | 6.375% | $325,000 | 20.0% |
| GEORGIA UNITED | 35 | 7.375% | $85,000 | 25.5% |
| NEWREZ LLC | 32 | 6.370% | $245,000 | 32.0% |
| United Community Bank | 32 | 6.500% | $150,000 | 22.2% |
| Ameris Bank | 32 | 6.313% | $340,000 | 13.5% |
| NATIONSTAR MORTGAGE LLC | 29 | 7.125% | $245,000 | 9.1% |
| EUSTIS MORTGAGE CORPORATION | 29 | 6.625% | $355,000 | 0.0% |
| Capital City Home Loans, LLC | 27 | 6.375% | $305,000 | 6.9% |
| FIGURE LENDING LLC | 26 | 8.400% | $55,000 | 22.5% |
| Associated Credit Union | 25 | 6.750% | $185,000 | 0.0% |
| FBC MORTGAGE, LLC | 23 | 5.490% | $445,000 | 0.0% |
| Presidential Bank, FSB | 23 | 6.625% | $335,000 | 8.0% |
| PEACH STATE FEDERAL CREDIT UNION | 22 | 6.500% | $90,000 | 24.1% |
| SPRING EQ, LLC | 21 | 7.975% | $85,000 | 60.7% |
| GEORGIA'S OWN | 21 | 7.500% | $105,000 | 39.5% |
| LAKEVIEW LOAN SERVICING, LLC | 20 | 6.250% | $255,000 | 49.1% |
| City National Bank of Florida | 20 | 6.375% | $340,000 | 4.8% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 19 | 6.125% | $345,000 | 9.5% |
| AmeriSave Mortgage Corporation | 18 | 8.125% | $105,000 | 65.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 18 | 7.250% | $140,000 | 47.5% |
| LOWER, LLC | 18 | 6.125% | $315,000 | 5.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 5.990% | $435,000 | 13.8% |
| GUARANTEED RATE, INC. | 16 | 6.538% | $330,000 | 20.0% |
| KIND LENDING, LLC | 16 | 6.500% | $360,000 | 15.8% |
| ZILLOW HOME LOANS, LLC | 16 | 6.500% | $325,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.750% | $235,000 | 11.8% |
| JPMorgan Chase Bank, National Association | 15 | 6.500% | $225,000 | 10.5% |
| First Option Mortgage, LLC | 15 | 7.313% | $305,000 | 0.0% |
| Wells Fargo Bank, National Association | 14 | 6.188% | $240,000 | 44.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 14 | 6.438% | $375,000 | 0.0% |
| Lendage, LLC | 14 | 11.500% | $80,000 | 12.5% |
| DELTA COMMUNITY CREDIT UNION | 13 | 7.000% | $155,000 | 40.9% |
| JET HOMELOANS, LP | 13 | 4.990% | $385,000 | 30.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 13 | 7.125% | $335,000 | 18.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 12 | 6.375% | $355,000 | 7.7% |
| Kiavi Funding, Inc. | 12 | 10.095% | $205,000 | 14.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 12 | 6.438% | $295,000 | 14.3% |
| Onward Home Mortgage, LLC | 12 | 6.188% | $430,000 | 0.0% |
| ROBINS FINANCIAL | 11 | 6.000% | $105,000 | 31.3% |
| United Bank | 11 | 7.500% | $135,000 | 15.4% |
| US MORTGAGE CORPORATION | 11 | 6.750% | $325,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 10 | 6.250% | $305,000 | 7.7% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 65.4% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 4.4% |
| MILEND, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 25.0% |
| ATLANTA POSTAL | 8 | Under 10 loans | Under 10 loans | 47.1% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Bank OZK | 8 | Under 10 loans | Under 10 loans | 42.9% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 46.7% |
| Fifth Third Bank, National Association | 7 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 7 | Under 10 loans | Under 10 loans | 12.5% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Filo Mortgage, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank and Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SWBC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 62.5% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Renasant Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 18.2% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 25.0% |
| SUMMIT FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF MADISON | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Oconee State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 63.6% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BoxCar Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Assurance Financial Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 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% |
| RADIUS FINANCIAL GROUP INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 88.9% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 45.5% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| 2549002AEOG52GLE5B68 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Taylor Morrison Home Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LGE COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Commercial Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Capital City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITY-COUNTY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Publix Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CDC FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Exchange Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 117 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Walton County
17 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Vallant Bank | 3 | $307.6 million |
| Pinnacle Bank | 2 | $630.0 million |
| Wells Fargo Bank, National Association | 2 | $404.4 million |
| Bank of America, National Association | 2 | $201.7 million |
| Bank OZK | 1 | $196.2 million |
| United Community Bank | 1 | $94.7 million |
| Truist Bank | 1 | $82.1 million |
| Bank of Madison | 1 | $69.5 million |
| Fifth Third Bank, National Association | 1 | $44.2 million |
| Regions Bank | 1 | $27.4 million |
| Legacy State Bank | 1 | $24.7 million |
| Woodforest National Bank | 1 | $1.4 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Synovus Bank, 140 E Washington St, Monroe
- Synovus Bank, 4577 Atlanta Hwy, Loganville
Get told when this changes
When the next year’s lending figures are out for Walton County, or a lender arrives or leaves.
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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.