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Effingham County, Georgia · 2025

Mortgage lenders in Effingham County, GA: denial rates and top lenders (2025)

271 lenders acted on 3,797 mortgage applications for properties in Effingham County in 2025. 17.0% were denied (Georgia: 19.2%). Median rate on closed loans 6.50%; median loan $255,000; median property value $345,000.

3.8kApplications
17.0%Denial ratestate 19.2%
6.50%Median ratestate 6.63%
$255,000Median loan
$345,000Median property value

Largest lenders in Effingham County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 314247 14.0%6.50%
2 Broker Solutions D 210110 6.7%6.63%
3 United Shore Financial Services B 165119 7.3%6.13%
4 Dhi Mortgage Company B 15590 24.5%4.31%
5 Mortgage Research Center C 14373 16.8%6.25%
6 Pennymac Loan Services C 13571 4.4%6.38%
7 Navy Federal Credit Union D 12061 24.2%7.59%
8 Guild Mortgage A 11290 4.5%6.50%
9 Freedom Mortgage B 10964 2.8%6.25%
10 21st Mortgage F 10722 47.7%9.99%
11 Vanderbilt Mortgage and Finance F 10447 16.4%6.19%
12 Newrez D 8441 14.3%6.25%
13 Bank of America F 8325 38.6%6.49%
14 Movement Mortgage A 7148 8.5%6.63%
15 Truist Bank C 6733 40.3%7.00%
16 Bank of Newington B 6150 4.9%—
17 Ameris Bank B 4933 14.3%6.75%
18 Loandepot.Com D 4827 27.1%6.88%
19 Lakeview Loan Servicing C 4714 40.4%6.25%
20 Renasant Bank B 4634 17.4%7.00%
21 AmeriSave Mortgage D 4015 45.0%7.63%
22 Carrington Mortgage Services D 4019 40.0%6.63%
23 Village Capital & Investment C 3917 23.1%5.75%
24 Triad Financial Services D 376 46.0%8.50%
25 Figure Lending C 3617 33.3%8.65%

Best approval odds in Effingham County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Freedom Mortgage744.1%
2Guild Mortgage995.1%
3Bank of Newington535.7%
4Pennymac Loan Services827.3%
5United Shore Financial Services1438.4%
6Movement Mortgage6010.0%
7Broker Solutions12810.9%
8Rocket Mortgage29914.7%
9Newrez5322.6%
10Mortgage Research Center9824.5%

What Effingham County borrowers applied for

By loan purpose

Home purchase 1,741 46% · 12.4% denied
Refinance 647 17% · 13.3% denied
Cash-out refinance 749 20% · 20.0% denied
Home improvement 256 7% · 32.4% denied
Other / HELOC 404 11% · 28.0% denied

By loan type

Conventional 2,038 54% · 20.6% denied
FHA 869 23% · 16.1% denied
VA 859 23% · 9.6% denied
USDA / RHS 31 1% · 19.4% denied

Why applications were denied

Debt-to-income ratio 192 30%
Credit history 191 30%
Incomplete application 106 16%
Collateral 62 10%
Other 46 7%
Unverifiable information 23 4%
Insufficient cash 16 2%
Employment history 7 1%

Effingham County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,3641,95018.5%6.75%$235,000
20243,5071,99318.3%6.75%$245,000
20253,7972,17017.0%6.50%$255,000

Frequently asked questions

17.0% of applications in Effingham County were denied in 2025, against 19.2% statewide in Georgia.

Rocket Mortgage, with 314 applications in 2025 and a denial rate of 14.0%.

The median mortgage application in Effingham County in 2025 was for $255,000; the median property value on originated loans was $345,000.