Georgia · HMDA 2025
Mortgage lenders in Effingham County, GA
278 lenders reported 4,347 home-loan applications in Effingham County in 2025. 2,170 closed as loans ($616.2M), 647 were denied — a 21.8% denial rate on decided applications, below the Georgia rate of 24.9%. The three most active lenders handled 18% of applications, led by Rocket Mortgage, LLC. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,347
- Loans originated
- 2,170
- Purchase / refinance
- 1,166 / 703
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Effingham County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 315 | 7.2% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 245 | 5.6% | — |
| 3 | Broker Solutions, Inc. | 210 | 4.8% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 167 | 3.8% | — |
| 5 | DHI MORTGAGE COMPANY, LTD. | 155 | 3.6% | — |
| 6 | Mortgage Research Center, LLC | 143 | 3.3% | — |
| 7 | NEWREZ LLC | 137 | 3.2% | — |
| 8 | FREEDOM MORTGAGE CORPORATION | 127 | 2.9% | — |
| 9 | Navy Federal Credit Union 66 out of 100, Moderate | 120 | 2.8% | 32.9% |
| 10 | AMERIHOME MORTGAGE COMPANY, LLC | 119 | 2.7% | — |
| 11 | GUILD MORTGAGE COMPANY | 112 | 2.6% | — |
| 12 | 21st Mortgage Corporation | 107 | 2.5% | — |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 104 | 2.4% | — |
| 14 | Bank of America, National Association 59 out of 100, Moderate | 85 | 2.0% | 44.7% |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 81 | 1.9% | 14.1% |
| 16 | PLANET HOME LENDING, LLC | 77 | 1.8% | — |
| 17 | Truist Bank 63 out of 100, Moderate | 71 | 1.6% | 40.8% |
| 18 | MOVEMENT MORTGAGE, LLC | 71 | 1.6% | — |
| 19 | VILLAGE CAPITAL & INVESTMENT LLC | 62 | 1.4% | — |
| 20 | Bank of Newington | 61 | 1.4% | — |
| 21 | FIGURE LENDING LLC | 57 | 1.3% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 56 | 1.3% | — |
| 23 | LAKEVIEW LOAN SERVICING, LLC | 49 | 1.1% | — |
| 24 | Ameris Bank 67 out of 100, Moderate | 49 | 1.1% | 10.5% |
| 25 | Loandepot.Com, LLC | 48 | 1.1% | — |
| 26 | Renasant Bank 64 out of 100, Moderate | 46 | 1.1% | 11.6% |
| 27 | AmeriSave Mortgage Corporation | 40 | 0.9% | — |
| 28 | CARRINGTON MORTGAGE SERVICES, LLC | 40 | 0.9% | — |
| 29 | TRIAD FINANCIAL SERVICES, INC. | 37 | 0.9% | — |
| 30 | GEORGIA HERITAGE FEDERAL CREDIT UNION 67 out of 100, Moderate | 35 | 0.8% | 13.4% |
| 31 | NEW DAY FINANCIAL, LLC | 35 | 0.8% | — |
| 32 | SPRING EQ, LLC | 31 | 0.7% | — |
| 33 | EMM LOANS LLC | 31 | 0.7% | — |
| 34 | BANKSOUTH MORTGAGE COMPANY, LLC | 31 | 0.7% | — |
| 35 | Coastal Community Bank 35 out of 100, Low | 30 | 0.7% | 3.0% |
| 36 | Plains Commerce Bank 59 out of 100, Moderate | 29 | 0.7% | 10.0% |
| 37 | Discover Bank | 26 | 0.6% | — |
| 38 | CMG MORTGAGE, INC. | 25 | 0.6% | — |
| 39 | MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 0.6% | — |
| 40 | Magnolia Bank, Incorporated 49 out of 100, Below average | 24 | 0.6% | 10.3% |
Top 40 of 278 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