Georgia · HMDA 2025
Mortgage lenders in Charlton County, GA
86 lenders reported 453 home-loan applications in Charlton County in 2025. 174 closed as loans ($32.5M), 105 were denied — a 36.6% denial rate on decided applications, above the Georgia rate of 24.9%. The three most active lenders handled 27% of applications, led by 21st Mortgage Corporation. 7 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 453
- Loans originated
- 174
- Purchase / refinance
- 111 / 45
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Charlton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 69 | 15.2% | — |
| 2 | Rocket Mortgage, LLC | 31 | 6.8% | — |
| 3 | Navy Federal Credit Union 66 out of 100, Moderate | 24 | 5.3% | 32.9% |
| 4 | Mortgage Research Center, LLC | 21 | 4.6% | — |
| 5 | NEWREZ LLC | 17 | 3.8% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 3.8% | — |
| 7 | GEORGIA'S OWN | 15 | 3.3% | — |
| 8 | VYSTAR CREDIT UNION 51 out of 100, Below average | 15 | 3.3% | 48.8% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 14 | 3.1% | — |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 2.9% | — |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 11 | 2.4% | — |
| 12 | GUARANTEED RATE, INC. | 10 | 2.2% | — |
| 13 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 10 | 2.2% | — |
| 14 | AmeriSave Mortgage Corporation | 9 | 2.0% | — |
| 15 | PLANET HOME LENDING, LLC | 9 | 2.0% | — |
| 16 | Southeastern Bank 86 out of 100, Very strong | 9 | 2.0% | 2.2% |
| 17 | Broker Solutions, Inc. | 8 | 1.8% | — |
| 18 | TRIAD FINANCIAL SERVICES, INC. | 8 | 1.8% | — |
| 19 | Loandepot.Com, LLC | 7 | 1.5% | — |
| 20 | Presidential Bank, FSB 51 out of 100, Below average | 7 | 1.5% | 6.9% |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 1.3% | — |
| 22 | FIGURE LENDING LLC | 6 | 1.3% | — |
| 23 | GUILD MORTGAGE COMPANY | 5 | 1.1% | — |
| 24 | SOUTHWEST STAGE FUNDING, LLC | 5 | 1.1% | — |
| 25 | Equity Prime Mortgage LLC | 5 | 1.1% | — |
| 26 | TOWNE MORTGAGE COMPANY | 5 | 1.1% | — |
| 27 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 1.1% | — |
| 28 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 0.9% | 14.1% |
| 29 | EMM LOANS LLC | 4 | 0.9% | — |
| 30 | LOWER, LLC | 4 | 0.9% | — |
| 31 | Ameris Bank 67 out of 100, Moderate | 4 | 0.9% | 10.5% |
| 32 | Fairway Independent Mortgage Corporation | 3 | 0.7% | — |
| 33 | FREEDOM MORTGAGE CORPORATION | 3 | 0.7% | — |
| 34 | CALCON MUTUAL MORTGAGE LLC | 3 | 0.7% | — |
| 35 | MUTUAL OF OMAHA MORTGAGE, INC. | 3 | 0.7% | — |
| 36 | BETTER MORTGAGE CORPORATION | 3 | 0.7% | — |
| 37 | CSL Financial, LLC | 2 | 0.4% | — |
| 38 | The Federal Savings Bank 51 out of 100, Below average | 2 | 0.4% | 19.1% |
| 39 | PLAZA HOME MORTGAGE, INC. | 2 | 0.4% | — |
| 40 | KIND LENDING, LLC | 2 | 0.4% | — |
Top 40 of 86 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Georgia
- Fulton County 49,328 apps
- Gwinnett County 42,155 apps
- Cobb County 35,482 apps
- DeKalb County 32,023 apps
- Cherokee County 16,444 apps
- Forsyth County 15,824 apps
- Henry County 15,743 apps
- Chatham County 14,732 apps
- Clayton County 11,733 apps
- Paulding County 11,046 apps
- Hall County 9,711 apps
- Houston County 9,273 apps