Largest lenders in Elbert County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Pinnacle Bank | C | 58 | 44 | 10.3% | — |
| 2 | 21st Mortgage | F | 54 | 7 | 61.1% | 9.71% |
| 3 | Regions Bank | C | 37 | 13 | 51.4% | 4.99% |
| 4 | Rocket Mortgage | C | 34 | 24 | 14.7% | 6.50% |
| 5 | Vanderbilt Mortgage and Finance | F | 32 | 7 | 34.4% | 8.25% |
| 6 | Magnolia Bank | C | 31 | 26 | 3.2% | 6.56% |
| 7 | Kiavi Funding | D | 27 | 19 | 0.0% | 6.88% |
| 8 | Broker Solutions | D | 22 | 2 | 31.8% | 6.68% |
| 9 | United Shore Financial Services | B | 20 | 11 | 20.0% | 6.62% |
| 10 | American Pacific Mortgage | C | 16 | 11 | 12.5% | 7.49% |
| 11 | Newrez | D | 13 | 2 | 15.4% | 5.69% |
| 12 | City National Bank of Florida | B | 12 | 8 | 0.0% | 6.00% |
| 13 | Mortgage Research Center | C | 11 | 4 | 36.4% | 6.63% |
| 14 | Crosscountry Mortgage | B | 10 | 4 | 20.0% | 6.56% |
| 15 | Figure Lending | C | 10 | 4 | 30.0% | 8.88% |
| 16 | AmeriSave Mortgage | D | 9 | 1 | 88.9% | 7.63% |
| 17 | American Financing | D | 8 | 1 | 25.0% | 5.63% |
| 18 | Coastal Community Bank | C | 8 | 0 | 0.0% | — |
| 19 | Village Capital & Investment | C | 7 | 1 | 57.1% | 5.50% |
| 20 | Georgia United | D | 7 | 5 | 28.6% | 7.25% |
| 21 | Spring Eq | D | 7 | 1 | 28.6% | 9.63% |
| 22 | Oconee State Bank | B | 7 | 5 | 28.6% | — |
| 23 | First-Citizens Bank & Trust | B | 6 | 4 | 33.3% | 6.45% |
| 24 | Bank of America | F | 6 | 0 | 83.3% | — |
| 25 | Everett Financial | C | 6 | 6 | 0.0% | 6.38% |
Best approval odds in Elbert County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Pinnacle Bank | 53 | 11.3% |
What Elbert County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Elbert County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 500 | 247 | 26.4% | 6.99% | $125,000 |
| 2024 | 604 | 277 | 27.2% | 6.75% | $135,000 |
| 2025 | 662 | 318 | 24.8% | 6.75% | $145,000 |
Frequently asked questions
24.8% of applications in Elbert County were denied in 2025, against 19.2% statewide in Georgia.
Pinnacle Bank, with 58 applications in 2025 and a denial rate of 10.3%.
The median mortgage application in Elbert County in 2025 was for $145,000; the median property value on originated loans was $235,000.