Georgia · HMDA 2025
Mortgage lenders in Heard County, GA
132 lenders reported 616 home-loan applications in Heard County in 2025. 268 closed as loans ($67.6M), 103 were denied — a 26.8% denial rate on decided applications, above the Georgia rate of 24.9%. The three most active lenders handled 17% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 616
- Loans originated
- 268
- Purchase / refinance
- 136 / 99
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Heard County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 45 | 7.3% | — |
| 2 | Rocket Mortgage, LLC | 34 | 5.5% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 27 | 4.4% | — |
| 4 | 21st Mortgage Corporation | 24 | 3.9% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 23 | 3.7% | — |
| 6 | Bank OZK 76 out of 100, Strong | 22 | 3.6% | 37.8% |
| 7 | NEWREZ LLC | 17 | 2.8% | — |
| 8 | AMERIHOME MORTGAGE COMPANY, LLC | 15 | 2.4% | — |
| 9 | Magnolia Bank, Incorporated 49 out of 100, Below average | 15 | 2.4% | 10.3% |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 13 | 2.1% | 32.9% |
| 11 | Regions Bank 64 out of 100, Moderate | 13 | 2.1% | 43.1% |
| 12 | GUILD MORTGAGE COMPANY | 13 | 2.1% | — |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 12 | 1.9% | — |
| 14 | DELTA COMMUNITY CREDIT UNION 81 out of 100, Strong | 12 | 1.9% | 33.7% |
| 15 | Broker Solutions, Inc. | 10 | 1.6% | — |
| 16 | AmeriSave Mortgage Corporation | 10 | 1.6% | — |
| 17 | United Community Bank 67 out of 100, Moderate | 10 | 1.6% | 25.4% |
| 18 | SOUTHWEST STAGE FUNDING, LLC | 9 | 1.5% | — |
| 19 | PLANET HOME LENDING, LLC | 9 | 1.5% | — |
| 20 | COLONY BANK 64 out of 100, Moderate | 8 | 1.3% | 4.8% |
| 21 | NATIONSTAR MORTGAGE LLC | 8 | 1.3% | — |
| 22 | CALCON MUTUAL MORTGAGE LLC | 8 | 1.3% | — |
| 23 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | 1.1% | — |
| 24 | CMG MORTGAGE, INC. | 6 | 1.0% | — |
| 25 | Truist Bank 63 out of 100, Moderate | 6 | 1.0% | 40.8% |
| 26 | Mortgage Research Center, LLC | 6 | 1.0% | — |
| 27 | United Bank 89 out of 100, Very strong | 6 | 1.0% | 19.2% |
| 28 | FREEDOM MORTGAGE CORPORATION | 6 | 1.0% | — |
| 29 | DAS Acquisition Company, LLC | 6 | 1.0% | — |
| 30 | Ameris Bank 67 out of 100, Moderate | 6 | 1.0% | 10.5% |
| 31 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 0.8% | 14.1% |
| 32 | Fairway Independent Mortgage Corporation | 5 | 0.8% | — |
| 33 | Loandepot.Com, LLC | 5 | 0.8% | — |
| 34 | GUARANTEED RATE, INC. | 5 | 0.8% | — |
| 35 | TRIAD FINANCIAL SERVICES, INC. | 5 | 0.8% | — |
| 36 | Bank of America, National Association 59 out of 100, Moderate | 5 | 0.8% | 44.7% |
| 37 | Paramount Residential Mortgage Group, Inc. | 5 | 0.8% | — |
| 38 | FIGURE LENDING LLC | 5 | 0.8% | — |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 5 | 0.8% | — |
| 40 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 0.8% | — |
Top 40 of 132 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