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10 Best Bank Statement Mortgage Lenders in Georgia

This ranking identifies the top 10 bank statement mortgage lenders active in Georgia, evaluated for their non-QM product depth, state presence, and fit for self-employed borrowers. It is designed for homebuyers, homeowners, and real estate investors who cannot qualify using traditional tax return documentation. Use this list to compare lenders by loan range, documentation requirements, property eligibility, and borrower focus before making a financing decision.

LoanWise Editorial Team

Isometric scene of Georgia residential and commercial buildings with a small figure near a bank entrance representing mortgage lending activity.

Georgia's real estate market continues to attract a wide range of borrowers — from first-time homebuyers in metro Atlanta to seasoned investors acquiring rental properties across the state. Alongside this demand, a significant and growing segment of borrowers operates outside the standard W-2 income model. Freelancers, business owners, independent contractors, and real estate entrepreneurs often find that their tax returns — shaped by deductions and business expenses — significantly understate their true cash flow. For these borrowers, bank statement mortgages are not a workaround; they are the appropriate financing tool.

A bank statement mortgage is a non-qualified mortgage (non-QM) product that allows lenders to assess a borrower's income based on 12 to 24 months of personal or business bank statements rather than W-2s or tax returns. This approach more accurately reflects the actual deposits and cash available to self-employed borrowers, making approval realistic for those who would otherwise be turned away by agency-conforming guidelines. In Georgia, the range of lenders offering these products spans national non-QM specialists, wholesale platforms, and locally focused brokers — each with a distinct approach to documentation, loan size, and property eligibility.

This ranking was developed to help Georgia borrowers and their advisors navigate that landscape. Lenders were evaluated across several dimensions, including:

  • Product depth: Whether the lender offers dedicated bank statement loan programs, including options for purchase, refinance, and cash-out
  • Georgia presence: Active state licensing, Georgia-specific marketing, or headquarters relevance
  • Documentation flexibility: Support for 12- or 24-month statements, business versus personal bank accounts, and alternative income paths such as 1099 or asset depletion
  • Loan parameters: Published loan size ranges, LTV allowances, and minimum credit score thresholds
  • Borrower and broker fit: Whether the lender serves retail consumers directly, operates through broker channels, or both

The result is a list that reflects real-world usability — not just name recognition — for Georgia borrowers who need an alternative to conventional income documentation.

#1

Angel Oak Mortgage Solutions

Atlanta non-QM specialist with strong bank statement depth

States Licensed

47

Statement Documentation

12-24 months

Product Type

Bank Statement Mortgage

Product Type

Bank Statement HELOC

Angel Oak Mortgage Solutions stands out in Georgia for its deep non-QM specialization, including bank statement mortgages and bank statement HELOC options for self-employed borrowers. Its Atlanta headquarters, national scale, and broad alternative-documentation menu make it highly relevant for Georgia borrowers and brokers.
#2

Truss Financial Group

Georgia statewide broker focused on bank statement mortgages

Min Down Payment

10%-20%

Statement Documentation

12-24 months

Property Types

Primary, Second Home, Investment

Program Type

Non-QM Cash-Out Refinance

Truss Financial Group has a highly visible Georgia-focused presence with dedicated pages for bank statement loans, non-QM cash-out refinance, and related self-employed borrower solutions. Its statewide positioning and clear explanation of qualifying methods make it especially useful for borrowers and referring professionals in Georgia.
#3

Deephaven Mortgage

Scalable non-QM lender for Georgia bank statement files

Statement Documentation

12-24 months

Income Types

Business and Personal Bank Statements

State Focus

Georgia Active

Program Category

Non-QM

Deephaven Mortgage is a recognized non-QM lender with a Georgia-specific presence highlighting business and personal bank statement products. It is particularly attractive to brokers and loan officers handling self-employed and investor-heavy files that need a wider menu than standard agency execution.
4
#4

Griffin Funding

Retail lender targeting self-employed Georgia borrowers

Statement Documentation

12-24 months

State Focus

Georgia Bank Statement Page Active

Program Category

Non-QM

Borrower Type

Self-Employed

Griffin Funding maintains an active Georgia bank statement loan page and positions the product squarely toward self-employed borrowers who cannot qualify using tax returns alone. It is a strong retail-facing option for purchase or refinance borrowers seeking flexible non-QM processing.
5
#5

1st Nationwide Mortgage

Licensed Georgia lender with bank statement and DSCR options

NMLS

1281

Contact Number

(833) 350-9185

State Status

Licensed in Georgia

Program Types

Bank Statement, DSCR, Jumbo, FHA, VA

1st Nationwide Mortgage is licensed in Georgia and explicitly promotes bank statement loans as part of a broader mortgage platform that includes FHA, VA, jumbo, and DSCR products. That breadth makes it useful for borrowers and referral partners who want both alt-doc flexibility and traditional mortgage coverage.
6
#6

BFF Wholesale

Wholesale non-QM platform for larger Georgia bank statement loans

Bank Statement Max Loan

$4M

Max LTV

90%

Min FICO

620

DSCR Max Loan

$3.5M

Jumbo Max Loan

$5M

Statement Documentation

12-24 months

BFF Wholesale is especially notable for larger-balance Georgia bank statement lending, with published maximums and high-LTV allowances that appeal to brokers placing complex or jumbo-style non-QM files. Its DSCR and jumbo crossover also adds value for investor and high-balance borrower scenarios.
7
#7

Capital Home Mortgage

Georgia non-QM lender with high-LTV bank statement options

Contact Number

(678) 528-0848

State Focus

Georgia Non-QM Page Active

Program Category

Bank Statement / Non-QM

Loan Size

Multi-million-dollar options advertised

Capital Home Mortgage promotes Georgia non-qualified mortgage programs that include bank statement lending for self-employed borrowers, with positioning around higher leverage and larger loan amounts. It is a useful option for borrowers who need an alternative-doc lender with broader non-QM flexibility.
8
#8

Lendmire

Georgia bank statement lender with clearly published loan range

Statement Documentation

12 months

Min Loan Amount

$125,000

Max Loan Amount

$3.5M

Property Types

Primary, Second Home, Investment

Lendmire is notable for clearly publishing Georgia bank statement loan parameters, including statement-based qualification and a documented loan-size range. Its coverage of primary, second home, and investment property use cases makes it relevant to both owner-occupants and investors.
9
#9

Uhome Mortgage

Alternative-doc mortgage lender for self-employed borrowers

Statement Documentation

12-24 months

Program Category

Non-QM

Borrower Types

Self-Employed and Business Owners

Income Alternatives

Bank Statements, Assets, 1099

Uhome Mortgage highlights non-QM home loans that include bank statement qualification using 12 to 24 months of statements, serving borrowers and business owners outside standard agency documentation rules. It is a relevant option for Georgia borrowers seeking flexible income treatment through a mortgage-focused lender.
10
#10

Move Home Lending LLC

Georgia broker offering local bank statement mortgage access

State Focus

Georgia

Company Type

Mortgage Broker

Program Category

Bank Statement Loans

Additional Support

Down Payment Assistance

Move Home Lending LLC presents itself as a Georgia mortgage broker offering bank statement loans alongside broader mortgage products. Its value is strongest for borrowers who want local-market coverage, broker guidance, and access to lender options rather than a single-credit-box approach.

●Conclusion

Bank statement mortgages give self-employed borrowers in Georgia a practical path to financing that conventional programs simply cannot offer. But not every non-QM lender is equally suited to every borrower's situation. Before selecting a lender from this list, it is worth aligning your specific profile — income structure, loan size, property type, and timeline — with what each lender is best positioned to deliver.

Consider the following factors when comparing your options:

Documentation requirements: Most lenders on this list accept 12 to 24 months of bank statements, but some allow shorter statement windows or accept business statements in addition to personal ones. If your business and personal finances are closely intertwined, lenders that support both can make a meaningful difference in how your income is calculated.

Loan size and LTV: For borrowers pursuing higher-balance purchases or cash-out refinances, maximum loan limits and allowable loan-to-value ratios vary meaningfully across these lenders. A lender that caps loans at a lower threshold may not be the right fit for a multi-million-dollar Georgia property, while a lender with 90% LTV allowances may offer leverage that others cannot match.

Property and occupancy type: If you are financing a primary residence, a second home, or an investment property, confirm that the lender explicitly supports your intended use. Not all non-QM programs are structured identically across occupancy categories.

Retail versus broker access: Some lenders on this list are best accessed through a mortgage broker, while others operate with a direct-to-consumer retail model. If you prefer a guided experience or want someone to shop across multiple lenders on your behalf, a broker-oriented platform may serve you better. If you prefer direct engagement, confirm whether the lender offers a retail channel in Georgia.

Rates, fees, and program cost: Non-QM pricing is inherently higher than agency-conforming rates due to the elevated risk profile of alternative-documentation lending. That spread varies by lender, credit score, LTV, and loan size. Request detailed loan estimates from multiple lenders before committing, and factor total cost of financing — not just rate — into your comparison.

Georgia's non-QM lending market is active and competitive. The best outcome typically comes from engaging more than one lender, asking specific questions about how your income will be calculated, and working with professionals who have demonstrated experience placing bank statement files in your state. Use this ranking as a starting point for that process.

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