Largest lenders in Gilmer County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Community Bank | B | 247 | 189 | 16.2% | 6.50% |
| 2 | Rocket Mortgage | C | 140 | 99 | 20.7% | 6.75% |
| 3 | United Shore Financial Services | B | 100 | 66 | 14.0% | 6.62% |
| 4 | Truist Bank | C | 53 | 33 | 20.8% | 6.49% |
| 5 | Vanderbilt Mortgage and Finance | F | 50 | 19 | 36.0% | 6.99% |
| 6 | Pennymac Loan Services | C | 47 | 27 | 10.6% | 6.88% |
| 7 | Bank OZK | C | 43 | 20 | 48.8% | 5.99% |
| 8 | Navy Federal Credit Union | D | 40 | 26 | 15.0% | 6.63% |
| 9 | Regions Bank | C | 36 | 21 | 27.8% | 6.50% |
| 10 | Crosscountry Mortgage | B | 35 | 19 | 2.9% | 6.88% |
| 11 | Newrez | D | 34 | 12 | 23.5% | 7.25% |
| 12 | 21st Mortgage | F | 32 | 5 | 46.9% | 9.10% |
| 13 | Fairway Independent Mortgage | B | 23 | 15 | 17.4% | 6.50% |
| 14 | Broker Solutions | D | 23 | 8 | 4.4% | 6.56% |
| 15 | Bank of America | F | 22 | 11 | 27.3% | 6.24% |
| 16 | Mortgage Research Center | C | 21 | 11 | 19.1% | 6.50% |
| 17 | Success Mortgage Partners | B | 20 | 12 | 20.0% | 6.56% |
| 18 | Towne Mortgage | B | 20 | 18 | 0.0% | 6.50% |
| 19 | Kind Lending | C | 20 | 15 | 20.0% | 6.88% |
| 20 | Southeast Mortgage of Georgia | B | 18 | 12 | 5.6% | 6.50% |
| 21 | Freedom Mortgage | B | 18 | 7 | 0.0% | 6.25% |
| 22 | SouthState Bank | B | 17 | 9 | 35.3% | 7.50% |
| 23 | Loandepot.Com | D | 17 | 11 | 23.5% | 6.50% |
| 24 | AmeriSave Mortgage | D | 16 | 5 | 50.0% | 8.38% |
| 25 | First Community Mortgage | A | 16 | 14 | 0.0% | 6.31% |
Best approval odds in Gilmer County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 81 | 17.3% |
| 2 | United Community Bank | 230 | 17.4% |
| 3 | Rocket Mortgage | 128 | 22.7% |
What Gilmer County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Gilmer County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,716 | 968 | 19.2% | 7.25% | $245,000 |
| 2024 | 1,808 | 1,043 | 19.0% | 7.00% | $255,000 |
| 2025 | 1,946 | 1,160 | 17.5% | 6.63% | $265,000 |
Frequently asked questions
17.5% of applications in Gilmer County were denied in 2025, against 19.2% statewide in Georgia.
United Community Bank, with 247 applications in 2025 and a denial rate of 16.2%.
The median mortgage application in Gilmer County in 2025 was for $265,000; the median property value on originated loans was $485,000.