Georgia · HMDA 2025
Mortgage lenders in Jefferson County, GA
86 lenders reported 410 home-loan applications in Jefferson County in 2025. 182 closed as loans ($30.6M), 113 were denied — a 37.2% denial rate on decided applications, above the Georgia rate of 24.9%. The three most active lenders handled 29% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 410
- Loans originated
- 182
- Purchase / refinance
- 91 / 65
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jefferson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 44 | 10.7% | — |
| 2 | 21st Mortgage Corporation | 42 | 10.2% | — |
| 3 | First State Bank 77 out of 100, Strong | 31 | 7.6% | 0.6% |
| 4 | Regions Bank 64 out of 100, Moderate | 29 | 7.1% | 43.1% |
| 5 | Rocket Mortgage, LLC | 23 | 5.6% | — |
| 6 | Broker Solutions, Inc. | 16 | 3.9% | — |
| 7 | GUILD MORTGAGE COMPANY | 15 | 3.7% | — |
| 8 | Queensborough National Bank & Trust Company 62 out of 100, Moderate | 12 | 2.9% | 7.8% |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 2.4% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 9 | 2.2% | — |
| 11 | Mortgage Research Center, LLC | 9 | 2.2% | — |
| 12 | SRP Federal Credit Union 81 out of 100, Strong | 9 | 2.2% | 16.6% |
| 13 | Navy Federal Credit Union 66 out of 100, Moderate | 8 | 2.0% | 32.9% |
| 14 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 1.5% | 32.5% |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 1.5% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 6 | 1.5% | — |
| 17 | AgGeorgia Farm Credit, ACA | 6 | 1.5% | — |
| 18 | AmeriSave Mortgage Corporation | 5 | 1.2% | — |
| 19 | TRIAD FINANCIAL SERVICES, INC. | 5 | 1.2% | — |
| 20 | PINNACLE BANK | 5 | 1.2% | — |
| 21 | AMERICAN FINANCIAL RESOURCES, INC. | 5 | 1.2% | — |
| 22 | PLANET HOME LENDING, LLC | 5 | 1.2% | — |
| 23 | NEWREZ LLC | 4 | 1.0% | — |
| 24 | ROYAL UNITED MORTGAGE LLC | 4 | 1.0% | — |
| 25 | SouthState Bank, National Association 68 out of 100, Moderate | 4 | 1.0% | 23.3% |
| 26 | Ameris Bank 67 out of 100, Moderate | 4 | 1.0% | 10.5% |
| 27 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.7% | 14.1% |
| 28 | Loandepot.Com, LLC | 3 | 0.7% | — |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 0.7% | — |
| 30 | First Burke Banking Company | 3 | 0.7% | — |
| 31 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 3 | 0.7% | 45.9% |
| 32 | CALCON MUTUAL MORTGAGE LLC | 3 | 0.7% | — |
| 33 | NEW DAY FINANCIAL, LLC | 3 | 0.7% | — |
| 34 | Security Federal Bank 69 out of 100, Moderate | 3 | 0.7% | 10.8% |
| 35 | GUARANTEED RATE, INC. | 2 | 0.5% | — |
| 36 | SPRING EQ, LLC | 2 | 0.5% | — |
| 37 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 0.5% | 39.5% |
| 38 | AMERICAN FINANCING CORPORATION | 2 | 0.5% | — |
| 39 | ROBINS FINANCIAL | 2 | 0.5% | — |
| 40 | KIND LENDING, LLC | 2 | 0.5% | — |
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