Largest lenders in Cherokee County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 953 | 762 | 11.8% | 6.75% |
| 2 | United Shore Financial Services | B | 887 | 694 | 8.9% | 6.37% |
| 3 | Credit Union of Georgia | C | 538 | 362 | 20.3% | 7.25% |
| 4 | Truist Bank | C | 366 | 198 | 32.8% | 6.49% |
| 5 | Pennymac Loan Services | C | 344 | 191 | 13.1% | 6.62% |
| 6 | Bank of America | F | 344 | 155 | 27.3% | 6.24% |
| 7 | Navy Federal Credit Union | D | 310 | 164 | 13.9% | 7.90% |
| 8 | Ameris Bank | B | 301 | 221 | 7.6% | 6.50% |
| 9 | Regions Bank | C | 273 | 148 | 29.7% | 4.99% |
| 10 | Freedom Mortgage | B | 266 | 117 | 6.4% | 6.25% |
| 11 | Spring Eq | D | 249 | 91 | 41.4% | 8.88% |
| 12 | Crosscountry Mortgage | B | 230 | 147 | 3.9% | 6.63% |
| 13 | Delta Community Credit Union | C | 220 | 110 | 29.6% | 7.06% |
| 14 | Newrez | D | 217 | 82 | 14.3% | 6.81% |
| 15 | Toll Brothers Mortgage | A | 191 | 118 | 8.4% | 6.63% |
| 16 | Fairway Independent Mortgage | B | 185 | 127 | 2.7% | 6.63% |
| 17 | Lge Community Credit Union | D | 183 | 127 | 16.9% | — |
| 18 | Loandepot.Com | D | 172 | 112 | 19.2% | 6.99% |
| 19 | Everett Financial | C | 171 | 110 | 7.6% | 6.69% |
| 20 | United Community Bank | B | 167 | 117 | 18.6% | 6.50% |
| 21 | Lakeview Loan Servicing | C | 155 | 51 | 43.2% | 6.25% |
| 22 | Figure Lending | C | 152 | 76 | 26.3% | 8.50% |
| 23 | Broker Solutions | D | 151 | 39 | 8.0% | 6.75% |
| 24 | Vanderbilt Mortgage and Finance | F | 145 | 83 | 11.0% | 6.50% |
| 25 | Georgia'S Own | F | 144 | 52 | 20.8% | 7.38% |
Best approval odds in Cherokee County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Unnamed lender 254900F4GAYA092QOZ09 | 55 | 0.0% |
| 2 | Mortgage Assurance | 55 | 0.0% |
| 3 | Paramount Residential Mortgage Group | 54 | 0.0% |
| 4 | First Heritage Mortgage | 56 | 1.8% |
| 5 | Zillow Home Loans | 55 | 1.8% |
| 6 | Coastal Community Bank | 74 | 2.7% |
| 7 | Movement Mortgage | 127 | 3.2% |
| 8 | Lennar Mortgage | 89 | 3.4% |
| 9 | Fairway Independent Mortgage | 133 | 3.8% |
| 10 | Prosperity Home Mortgage | 71 | 4.2% |
What Cherokee County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cherokee County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 12,982 | 7,578 | 17.1% | 6.99% | $265,000 |
| 2024 | 13,767 | 8,355 | 16.3% | 6.88% | $285,000 |
| 2025 | 14,053 | 8,489 | 15.4% | 6.63% | $295,000 |
Frequently asked questions
15.4% of applications in Cherokee County were denied in 2025, against 19.2% statewide in Georgia.
Rocket Mortgage, with 953 applications in 2025 and a denial rate of 11.8%.
The median mortgage application in Cherokee County in 2025 was for $295,000; the median property value on originated loans was $515,000.