Largest lenders in Clarke County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 193 | 146 | 11.9% | 6.37% |
| 2 | Rocket Mortgage | C | 174 | 122 | 19.5% | 6.75% |
| 3 | Regions Bank | C | 155 | 84 | 14.2% | 6.13% |
| 4 | Synovus Bank | D | 149 | 102 | 14.1% | 7.50% |
| 5 | First American Bank and Trust | A | 113 | 105 | 1.8% | — |
| 6 | Truist Bank | C | 98 | 43 | 45.9% | 6.34% |
| 7 | Georgia United | D | 94 | 59 | 22.3% | 7.25% |
| 8 | Oconee State Bank | B | 91 | 70 | 5.5% | — |
| 9 | City National Bank of Florida | B | 86 | 61 | 8.1% | 6.38% |
| 10 | Bank of America | F | 74 | 37 | 28.4% | 6.49% |
| 11 | Pennymac Loan Services | C | 53 | 31 | 9.4% | 6.50% |
| 12 | Ameris Bank | B | 51 | 37 | 13.7% | 6.63% |
| 13 | Fairway Independent Mortgage | B | 45 | 37 | 2.2% | 6.56% |
| 14 | Crosscountry Mortgage | B | 41 | 23 | 0.0% | 6.63% |
| 15 | Newrez | D | 41 | 8 | 31.7% | 6.38% |
| 16 | Robins Financial | B | 41 | 25 | 31.7% | 6.31% |
| 17 | Pinnacle Bank | C | 41 | 29 | 17.1% | — |
| 18 | Navy Federal Credit Union | D | 39 | 16 | 15.4% | 7.13% |
| 19 | The Commercial Bank | B | 36 | 33 | 2.8% | — |
| 20 | Freedom Mortgage | B | 36 | 19 | 11.1% | 6.25% |
| 21 | Loandepot.Com | D | 35 | 19 | 25.7% | 6.99% |
| 22 | Banksouth Mortgage Company | A | 33 | 26 | 9.1% | 6.63% |
| 23 | 21st Mortgage | F | 33 | 12 | 39.4% | 9.20% |
| 24 | Discover Bank | F | 32 | 4 | 46.9% | 8.29% |
| 25 | Broker Solutions | D | 31 | 9 | 16.1% | 6.93% |
Best approval odds in Clarke County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First American Bank and Trust | 109 | 1.8% |
| 2 | Oconee State Bank | 75 | 6.7% |
| 3 | City National Bank of Florida | 68 | 10.3% |
| 4 | United Shore Financial Services | 170 | 13.5% |
| 5 | Synovus Bank | 126 | 16.7% |
| 6 | Regions Bank | 115 | 19.1% |
| 7 | Rocket Mortgage | 164 | 20.7% |
| 8 | Georgia United | 81 | 25.9% |
| 9 | Bank of America | 58 | 36.2% |
| 10 | Truist Bank | 89 | 50.6% |
What Clarke County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clarke County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,673 | 1,597 | 17.0% | 6.88% | $205,000 |
| 2024 | 2,910 | 1,757 | 15.6% | 6.99% | $215,000 |
| 2025 | 3,114 | 1,878 | 16.4% | 6.63% | $225,000 |
Frequently asked questions
16.4% of applications in Clarke County were denied in 2025, against 19.2% statewide in Georgia.
United Shore Financial Services, with 193 applications in 2025 and a denial rate of 11.9%.
The median mortgage application in Clarke County in 2025 was for $225,000; the median property value on originated loans was $355,000.