Largest lenders in Banks County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 61 | 41 | 23.0% | 6.63% |
| 2 | United Shore Financial Services | B | 57 | 44 | 7.0% | 6.13% |
| 3 | United Community Bank | B | 56 | 42 | 21.4% | 6.50% |
| 4 | Regions Bank | C | 52 | 23 | 38.5% | 6.88% |
| 5 | 21st Mortgage | F | 43 | 16 | 39.5% | 9.48% |
| 6 | Capital City Home Loans | C | 23 | 20 | 0.0% | 6.00% |
| 7 | Vanderbilt Mortgage and Finance | F | 20 | 4 | 35.0% | 6.74% |
| 8 | SouthState Bank | B | 19 | 12 | 31.6% | 7.00% |
| 9 | Fairway Independent Mortgage | B | 19 | 11 | 0.0% | 6.25% |
| 10 | Pennymac Loan Services | C | 16 | 10 | 12.5% | 6.13% |
| 11 | American Pacific Mortgage | C | 15 | 12 | 0.0% | 6.38% |
| 12 | Newrez | D | 15 | 5 | 13.3% | 6.25% |
| 13 | Navy Federal Credit Union | D | 15 | 6 | 26.7% | 8.50% |
| 14 | Crosscountry Mortgage | B | 13 | 9 | 0.0% | 6.08% |
| 15 | Homeowners Financial Group USA | B | 13 | 7 | 0.0% | 6.63% |
| 16 | Mortgage Research Center | C | 13 | 5 | 30.8% | 6.13% |
| 17 | MyGeorgia Credit Union | D | 13 | 9 | 30.8% | 7.13% |
| 18 | Primelending, a Plainscapital | A | 13 | 12 | 0.0% | 5.88% |
| 19 | Magnolia Bank | C | 12 | 12 | 0.0% | 6.43% |
| 20 | Loandepot.Com | D | 11 | 3 | 18.2% | 6.75% |
| 21 | Pinnacle Bank | C | 11 | 10 | 9.1% | — |
| 22 | AmeriSave Mortgage | D | 10 | 2 | 80.0% | 6.94% |
| 23 | Everett Financial | C | 10 | 5 | 10.0% | 5.94% |
| 24 | Ameris Bank | B | 9 | 5 | 11.1% | 7.25% |
| 25 | Lakeview Loan Servicing | C | 9 | 1 | 66.7% | 8.25% |
Best approval odds in Banks County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Community Bank | 56 | 21.4% |
| 2 | Rocket Mortgage | 57 | 24.6% |
What Banks County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Banks County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 753 | 406 | 21.8% | 7.00% | $185,000 |
| 2024 | 712 | 418 | 19.7% | 6.99% | $195,000 |
| 2025 | 928 | 516 | 21.2% | 6.63% | $225,000 |
Frequently asked questions
21.2% of applications in Banks County were denied in 2025, against 19.2% statewide in Georgia.
Rocket Mortgage, with 61 applications in 2025 and a denial rate of 23.0%.
The median mortgage application in Banks County in 2025 was for $225,000; the median property value on originated loans was $395,000.