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Top home equity lenders in Georgia (2025)

Open-end home equity lines of credit. Denial rates run far higher on HELOCs than on purchase mortgages, so compare these lenders only with each other.

449kApplications in GA
25.1%State decision denial rate
6.63%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
Georgia ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeHELOC applicationsApplicationsDenial rateMedian rate
1 Navy Federal Credit UnionVienna, VA D 3,534 12,388 26.4% 7.95%
2 Truist BankCharlotte, NC C 2,876 10,563 38.7% 6.49%
3 Spring EqConshohocken, PA D 2,631 4,535 50.2% 9.25%
4 Figure LendingCharlotte, NC C 2,236 3,594 27.5% 8.85%
5 Pennymac Loan ServicesWestlake Village, CA C 2,152 10,273 11.6% 6.49%
6 Bank of AmericaCharlotte, NC F 2,088 9,168 36.5% 6.24%
7 Loandepot.ComIrvine, CA D 2,071 7,336 24.5% 6.49%
8 Coastal Community BankEverett, WA C 1,571 2,878 2.7% 10.49%
9 Discover BankGreenwood, DE F 1,541 3,087 55.6% 8.75%
10 Sofi BankCottonwood Heights, UT D 1,495 2,401 9.5% 7.75%
11 Regions BankBirmingham, AL C 1,446 6,451 37.9% 6.13%
12 Nationstar MortgageCoppell, TX C 1,421 3,796 13.6% 7.75%
13 Georgia'S OwnAtlanta, GA F 1,096 3,891 28.5% 7.25%
14 Better MortgageNew York, NY F 1,054 2,236 28.8% 8.13%
15 Broker SolutionsTustin, CA D 1,029 9,709 8.6% 6.63%
16 Georgia UnitedDuluth, GA D 1,024 3,190 35.5% 7.38%
17 Delta Community Credit UnionAtlanta, GA C 912 5,505 26.9% 7.00%
18 Lakeview Loan ServicingCoral Gables, FL C 878 3,570 50.8% 6.63%
19 Synovus BankColumbus, GA D 876 3,969 19.8% 7.50%
20 Rocket MortgagePlymouth, MI C 840 29,845 18.2% 6.63%
21 PNC BankWilmington, DE D 706 2,553 35.8% 7.74%
22 United Community BankBlairsville, GA B 657 4,774 23.0% 6.50%
23 Crosscountry MortgageCleveland, OH B 653 6,148 5.2% 6.63%
24 Credit Union of GeorgiaKennesaw, GA C 595 1,464 22.3% 7.25%
25 LendageSan Mateo, CA B 542 864 11.3% 10.75%
26 U.S. BankCincinnati, OH D 530 1,667 38.4% 7.00%
27 Associated Credit UnionNorcross, GA C 490 1,710 19.1% 7.25%
28 Robins FinancialWarner Robins, GA B 486 2,398 26.7% 6.13%
29 Third Federal Savings and Loan Association of ClevelandCleveland, OH C 469 1,467 33.3% 6.99%
30 Ameris BankAtlanta, GA B 442 8,065 10.1% 6.50%
31 Citizens BankProvidence, RI C 425 1,222 30.6% 7.90%
32 Homebridge Financial ServicesIselin, NJ B 391 946 16.1% 10.29%
33 The Loan StoreSan Francisco, CA B 363 1,672 14.1% 6.99%
34 Fifth Third BankCincinnati, OH D 340 1,650 34.0% 7.25%
35 Family Savings Credit UnionRainbow City, B 336 489 15.8% 8.00%
36 Renasant BankTupelo, MS B 315 2,795 9.6% 6.63%
37 JPMorgan Chase BankColumbus, OH B 310 3,649 10.4% 6.38%
38 Cadence BankTupelo, MS B 274 1,006 22.1% 6.88%
39 Mutual of Omaha MortgageSan Diego, CA C 262 1,919 19.1% 6.50%
40 SouthState BankWinter Haven, FL B 245 2,712 15.5% 6.59%
41 Wells Fargo BankCharlotte, NC B 234 3,187 20.0% 6.38%
42 Mission LoansColumbus, OH D 226 631 2.1% 7.88%
43 RCN CapitalSouth Windsor, CT D 219 519 55.3% 7.92%
44 Pentagon Federal Credit UnionMclean, VA F 214 1,320 39.4% 7.50%
45 Easy Street CapitalAustin, TX A 205 205 0.0% 9.90%
46 Bank OZKLittle Rock, AR C 203 1,399 38.7% 5.99%
47 United BankZebulon, GA C 200 1,054 16.3% 7.50%
48 Lge Community Credit UnionAtlanta, GA D 187 1,058 15.0% —
49 FirstBankNashville, TN C 170 1,137 31.4% 6.99%
50 Alliant Credit UnionChicago, IL D 164 631 33.8% 8.00%

How this list is built

Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.