Michael T. Smith
Owner & Broker, Ocmulgee Mortgage Company — Macon, Georgia

Michael T. Smith has spent nearly two decades redefining what it means to be a mortgage professional. As the founder and broker of Ocmulgee Mortgage Company, he built a firm that blends old-fashioned integrity with next-generation efficiency—where service still matters, but speed and precision come standard.

Since entering the industry in 2007, Michael has guided thousands of families and investors through the mortgage process, combining expert strategy with a deep personal commitment to each client’s financial success. Under his leadership, Ocmulgee Mortgage has become one of Georgia’s most trusted local brokerages, known for low rates, low fees, and flawless execution backed by a suite of the nation’s top wholesale lenders and cutting-edge technology.

In 2024, Michael was recognized as one of National Mortgage Professional Magazine’s “Top 40 Under 40” mortgage professionals in America, the same year he earned awards for Top VA Home Loan Broker and Top Mortgage Broker in his region—a testament to both his production and his principles.

Driven, analytical, and fiercely loyal to his clients, Michael approaches each loan as if it were his own—negotiating hard, structuring strategically, and ensuring that every dollar works as hard as it can. His style is direct, his results are measurable, and his reputation is earned.

Outside the office, Michael lives life at full throttle. He’s a motorcycle racer, golfer, wake surfer, and world traveler, but his greatest joy comes from time with his wife Brianne and their two children, Zoe and Ashton.

Above all, Michael believes in growth—in business, in faith, and in life. Every deal is more than a transaction; it’s an opportunity to help a family find stability, to help an investor build wealth, and to use his God-given talents to make a lasting impact on the community he serves.