Georgia · HMDA 2025
Mortgage lenders in Elbert County, GA
131 lenders reported 737 home-loan applications in Elbert County in 2025. 318 closed as loans ($53.3M), 164 were denied — a 32.0% denial rate on decided applications, above the Georgia rate of 24.9%. The three most active lenders handled 20% of applications, led by PINNACLE BANK. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 737
- Loans originated
- 318
- Purchase / refinance
- 159 / 102
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Elbert County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PINNACLE BANK | 58 | 7.9% | — |
| 2 | 21st Mortgage Corporation | 54 | 7.3% | — |
| 3 | Regions Bank 64 out of 100, Moderate | 37 | 5.0% | 43.1% |
| 4 | Rocket Mortgage, LLC | 35 | 4.7% | — |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 32 | 4.3% | — |
| 6 | Magnolia Bank, Incorporated 49 out of 100, Below average | 31 | 4.2% | 10.3% |
| 7 | Kiavi Funding, Inc. | 27 | 3.7% | — |
| 8 | Broker Solutions, Inc. | 22 | 3.0% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 2.7% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 19 | 2.6% | — |
| 11 | NEWREZ LLC | 17 | 2.3% | — |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 17 | 2.3% | — |
| 13 | PLANET HOME LENDING, LLC | 16 | 2.2% | — |
| 14 | AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 2.2% | — |
| 15 | City National Bank of Florida 64 out of 100, Moderate | 12 | 1.6% | 10.7% |
| 16 | Mortgage Research Center, LLC | 11 | 1.5% | — |
| 17 | FIGURE LENDING LLC | 11 | 1.5% | — |
| 18 | VILLAGE CAPITAL & INVESTMENT LLC | 11 | 1.5% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 1.4% | 14.1% |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 10 | 1.4% | — |
| 21 | AmeriSave Mortgage Corporation | 9 | 1.2% | — |
| 22 | AMERICAN FINANCING CORPORATION | 8 | 1.1% | — |
| 23 | Coastal Community Bank 35 out of 100, Low | 8 | 1.1% | 3.0% |
| 24 | SPRING EQ, LLC | 7 | 0.9% | — |
| 25 | Oconee State Bank 44 out of 100, Below average | 7 | 0.9% | 6.0% |
| 26 | NATIONSTAR MORTGAGE LLC | 7 | 0.9% | — |
| 27 | GEORGIA UNITED | 7 | 0.9% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.8% | 32.9% |
| 29 | Fairway Independent Mortgage Corporation | 6 | 0.8% | — |
| 30 | TRIAD FINANCIAL SERVICES, INC. | 6 | 0.8% | — |
| 31 | Bank of America, National Association 59 out of 100, Moderate | 6 | 0.8% | 44.7% |
| 32 | The Commercial Bank 79 out of 100, Strong | 6 | 0.8% | 3.6% |
| 33 | EVERETT FINANCIAL, INC. | 6 | 0.8% | — |
| 34 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 6 | 0.8% | 22.5% |
| 35 | Citizens Bank, National Association 54 out of 100, Below average | 5 | 0.7% | 32.5% |
| 36 | Loandepot.Com, LLC | 5 | 0.7% | — |
| 37 | GUARANTEED RATE, INC. | 5 | 0.7% | — |
| 38 | FREEDOM MORTGAGE CORPORATION | 5 | 0.7% | — |
| 39 | Truist Bank 63 out of 100, Moderate | 4 | 0.5% | 40.8% |
| 40 | Discover Bank | 4 | 0.5% | — |
Top 40 of 131 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