Largest lenders in Emanuel County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 81 | 24 | 34.6% | 10.24% |
| 2 | Vanderbilt Mortgage and Finance | F | 40 | 3 | 40.0% | 10.25% |
| 3 | Rocket Mortgage | C | 38 | 20 | 34.2% | 6.81% |
| 4 | Robins Financial | B | 28 | 18 | 32.1% | 6.00% |
| 5 | United Shore Financial Services | B | 20 | 13 | 20.0% | 6.49% |
| 6 | Mortgage Research Center | C | 14 | 4 | 28.6% | 6.56% |
| 7 | Navy Federal Credit Union | D | 12 | 2 | 58.3% | 7.69% |
| 8 | Broker Solutions | D | 9 | 3 | 11.1% | 7.25% |
| 9 | Planet Home Lending | B | 8 | 6 | 12.5% | 6.12% |
| 10 | AmeriSave Mortgage | D | 7 | 2 | 57.1% | 7.13% |
| 11 | Guild Mortgage | A | 7 | 5 | 0.0% | 6.87% |
| 12 | Southwest Stage Funding | F | 7 | 4 | 14.3% | 8.25% |
| 13 | Truist Bank | C | 6 | 4 | 16.7% | 7.92% |
| 14 | Village Capital & Investment | C | 6 | 1 | 33.3% | 5.75% |
| 15 | FirstBank | C | 6 | 0 | 83.3% | — |
| 16 | Atlanta Postal | F | 6 | 1 | 33.3% | 6.25% |
| 17 | Tammac Holdings | D | 6 | 0 | 83.3% | — |
| 18 | Triad Financial Services | D | 6 | 0 | 50.0% | — |
| 19 | Loandepot.Com | D | 6 | 4 | 16.7% | 6.62% |
| 20 | Renasant Bank | B | 6 | 0 | 66.7% | — |
| 21 | New Day Financial | F | 5 | 0 | 20.0% | — |
| 22 | Fairway Independent Mortgage | B | 5 | 3 | 0.0% | 6.88% |
| 23 | Freedom Mortgage | B | 5 | 2 | 20.0% | 6.00% |
| 24 | Nationstar Mortgage | C | 5 | 5 | 0.0% | 7.25% |
| 25 | Equity Prime Mortgage | D | 5 | 2 | 0.0% | 6.56% |
Best approval odds in Emanuel County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 52 | 53.9% |
What Emanuel County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Emanuel County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 382 | 143 | 37.7% | 6.99% | $135,000 |
| 2024 | 401 | 155 | 34.7% | 6.89% | $135,000 |
| 2025 | 469 | 186 | 28.8% | 6.88% | $135,000 |
Frequently asked questions
28.8% of applications in Emanuel County were denied in 2025, against 19.2% statewide in Georgia.
21st Mortgage, with 81 applications in 2025 and a denial rate of 34.6%.
The median mortgage application in Emanuel County in 2025 was for $135,000; the median property value on originated loans was $195,000.