Georgia · HMDA 2025
Mortgage lenders in Stephens County, GA
206 lenders reported 1,402 home-loan applications in Stephens County in 2025. 642 closed as loans ($149.3M), 249 were denied — a 26.9% denial rate on decided applications, above the Georgia rate of 24.9%. The three most active lenders handled 16% of applications, led by PENNYMAC LOAN SERVICES, LLC. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,402
- Loans originated
- 642
- Purchase / refinance
- 377 / 181
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Stephens County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PENNYMAC LOAN SERVICES, LLC | 76 | 5.4% | — |
| 2 | Rocket Mortgage, LLC | 76 | 5.4% | — |
| 3 | PREMIER MORTGAGE RESOURCES, L.L.C. | 76 | 5.4% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 65 | 4.6% | — |
| 5 | 21st Mortgage Corporation | 60 | 4.3% | — |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 53 | 3.8% | — |
| 7 | NEWREZ LLC | 39 | 2.8% | — |
| 8 | Regions Bank 64 out of 100, Moderate | 39 | 2.8% | 43.1% |
| 9 | AMERICAN PACIFIC MORTGAGE CORPORATION | 36 | 2.6% | — |
| 10 | AMERIHOME MORTGAGE COMPANY, LLC | 30 | 2.1% | — |
| 11 | FREEDOM MORTGAGE CORPORATION | 29 | 2.1% | — |
| 12 | Mortgage Research Center, LLC | 28 | 2.0% | — |
| 13 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 25 | 1.8% | 22.5% |
| 14 | AmeriSave Mortgage Corporation | 22 | 1.6% | — |
| 15 | PINNACLE BANK | 21 | 1.5% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 20 | 1.4% | 14.1% |
| 17 | Fairway Independent Mortgage Corporation | 20 | 1.4% | — |
| 18 | PLANET HOME LENDING, LLC | 20 | 1.4% | — |
| 19 | EVERETT FINANCIAL, INC. | 20 | 1.4% | — |
| 20 | SouthState Bank, National Association 68 out of 100, Moderate | 20 | 1.4% | 23.3% |
| 21 | INSPIRE HOME LOANS INC. | 18 | 1.3% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 18 | 1.3% | — |
| 23 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 18 | 1.3% | — |
| 24 | Broker Solutions, Inc. | 17 | 1.2% | — |
| 25 | PEACH STATE FEDERAL CREDIT UNION 68 out of 100, Moderate | 16 | 1.1% | 30.7% |
| 26 | CROSSCOUNTRY MORTGAGE, INC. | 15 | 1.1% | — |
| 27 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 15 | 1.1% | 74.7% |
| 28 | United Community Bank 67 out of 100, Moderate | 15 | 1.1% | 25.4% |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 14 | 1.0% | 32.9% |
| 30 | CARRINGTON MORTGAGE SERVICES, LLC | 14 | 1.0% | — |
| 31 | FIGURE LENDING LLC | 12 | 0.9% | — |
| 32 | Discover Bank | 11 | 0.8% | — |
| 33 | NEW DAY FINANCIAL, LLC | 11 | 0.8% | — |
| 34 | VILLAGE CAPITAL & INVESTMENT LLC | 11 | 0.8% | — |
| 35 | SENTE MORTGAGE, INC. | 10 | 0.7% | — |
| 36 | Loandepot.Com, LLC | 9 | 0.6% | — |
| 37 | TRIAD FINANCIAL SERVICES, INC. | 9 | 0.6% | — |
| 38 | Bank of America, National Association 59 out of 100, Moderate | 9 | 0.6% | 44.7% |
| 39 | AMERICAN FINANCING CORPORATION | 9 | 0.6% | — |
| 40 | Oconee Federal Savings and Loan Association 78 out of 100, Strong | 8 | 0.6% | 12.0% |
Top 40 of 206 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