Largest lenders in Charlton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 69 | 23 | 34.8% | 9.88% |
| 2 | Rocket Mortgage | C | 30 | 23 | 10.0% | 6.50% |
| 3 | Navy Federal Credit Union | D | 24 | 10 | 33.3% | 7.06% |
| 4 | Mortgage Research Center | C | 21 | 8 | 0.0% | 6.63% |
| 5 | United Shore Financial Services | B | 17 | 14 | 11.8% | 6.19% |
| 6 | Georgia'S Own | F | 15 | 1 | 53.3% | 8.70% |
| 7 | Vystar Credit Union | D | 14 | 3 | 64.3% | 6.88% |
| 8 | Vanderbilt Mortgage and Finance | F | 13 | 0 | 53.9% | — |
| 9 | Crosscountry Mortgage | B | 11 | 3 | 9.1% | 6.75% |
| 10 | Pennymac Loan Services | C | 10 | 4 | 20.0% | 6.25% |
| 11 | Guaranteed Rate | B | 10 | 5 | 10.0% | 6.38% |
| 12 | Evergreen Moneysource Mortgage | B | 10 | 5 | 10.0% | 6.99% |
| 13 | AmeriSave Mortgage | D | 9 | 2 | 55.6% | 8.44% |
| 14 | Southeastern Bank | B | 9 | 6 | 0.0% | — |
| 15 | Newrez | D | 8 | 1 | 62.5% | 6.99% |
| 16 | Broker Solutions | D | 8 | 1 | 12.5% | 6.75% |
| 17 | Triad Financial Services | D | 8 | 1 | 62.5% | 12.47% |
| 18 | Loandepot.Com | D | 7 | 3 | 28.6% | 6.50% |
| 19 | Presidential Bank | B | 7 | 5 | 14.3% | 6.56% |
| 20 | Towne Mortgage | B | 5 | 3 | 20.0% | 6.49% |
| 21 | Equity Prime Mortgage | D | 5 | 2 | 20.0% | 6.94% |
| 22 | Guild Mortgage | A | 5 | 4 | 0.0% | 6.75% |
| 23 | Southwest Stage Funding | F | 5 | 2 | 0.0% | 7.55% |
| 24 | Figure Lending | C | 5 | 1 | 40.0% | 9.95% |
What Charlton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Charlton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 316 | 132 | 34.2% | 6.99% | $145,000 |
| 2024 | 328 | 139 | 29.0% | 6.99% | $155,000 |
| 2025 | 412 | 174 | 25.5% | 6.75% | $165,000 |
Frequently asked questions
25.5% of applications in Charlton County were denied in 2025, against 19.2% statewide in Georgia.
21st Mortgage, with 69 applications in 2025 and a denial rate of 34.8%.
The median mortgage application in Charlton County in 2025 was for $165,000; the median property value on originated loans was $235,000.