Largest lenders in Grady County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 98 | 17 | 53.1% | 9.29% |
| 2 | Rocket Mortgage | C | 43 | 31 | 25.6% | 6.63% |
| 3 | Triad Financial Services | D | 22 | 4 | 54.6% | 8.71% |
| 4 | Five Star Credit Union | D | 20 | 7 | 40.0% | — |
| 5 | Mortgage Research Center | C | 18 | 7 | 27.8% | 6.50% |
| 6 | Vanderbilt Mortgage and Finance | F | 18 | 2 | 22.2% | 9.75% |
| 7 | Mainstreet Community Bank of Florida | F | 17 | 14 | 11.8% | — |
| 8 | Pennymac Loan Services | C | 16 | 11 | 12.5% | 6.25% |
| 9 | Corevest American Finance Lender | D | 16 | 4 | 0.0% | 7.50% |
| 10 | Newrez | D | 15 | 9 | 13.3% | 6.25% |
| 11 | Capital City Bank | B | 15 | 7 | 40.0% | 6.99% |
| 12 | Loandepot.Com | D | 13 | 8 | 30.8% | 6.94% |
| 13 | Thomasville National Bank | A | 12 | 12 | 0.0% | — |
| 14 | FirstBank | C | 11 | 0 | 100.0% | — |
| 15 | First Commerce Credit Union | C | 11 | 9 | 18.2% | 5.88% |
| 16 | Ameris Bank | B | 10 | 9 | 10.0% | 7.74% |
| 17 | Freedom Mortgage | B | 10 | 5 | 10.0% | 6.25% |
| 18 | Crosscountry Mortgage | B | 9 | 3 | 11.1% | 7.74% |
| 19 | Bank OZK | C | 9 | 2 | 77.8% | 6.24% |
| 20 | Nationstar Mortgage | C | 9 | 6 | 22.2% | 6.99% |
| 21 | Capital City Home Loans | C | 8 | 5 | 12.5% | 6.13% |
| 22 | Coastal Community Bank | C | 8 | 0 | 0.0% | — |
| 23 | First Federal Bank | B | 7 | 6 | 0.0% | 6.50% |
| 24 | Truist Bank | C | 7 | 2 | 71.4% | 7.97% |
| 25 | United Shore Financial Services | B | 7 | 6 | 14.3% | 5.74% |
Best approval odds in Grady County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 70 | 74.3% |
What Grady County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Grady County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 579 | 216 | 41.8% | 6.88% | $145,000 |
| 2024 | 670 | 292 | 33.7% | 6.88% | $145,000 |
| 2025 | 655 | 289 | 29.0% | 6.75% | $145,000 |
Frequently asked questions
29.0% of applications in Grady County were denied in 2025, against 19.2% statewide in Georgia.
21st Mortgage, with 98 applications in 2025 and a denial rate of 53.1%.
The median mortgage application in Grady County in 2025 was for $145,000; the median property value on originated loans was $235,000.