Largest lenders in Jackson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 323 | 241 | 6.5% | 6.37% |
| 2 | Rocket Mortgage | C | 292 | 220 | 15.1% | 6.75% |
| 3 | Loandepot.Com | D | 163 | 81 | 23.3% | 5.75% |
| 4 | Pennymac Loan Services | C | 158 | 85 | 9.5% | 6.25% |
| 5 | Regions Bank | C | 156 | 77 | 36.5% | 6.00% |
| 6 | Fairway Independent Mortgage | B | 143 | 102 | 2.1% | 6.63% |
| 7 | Victory Mortgage | A | 128 | 104 | 7.8% | 5.88% |
| 8 | Newrez | D | 119 | 46 | 12.6% | 6.50% |
| 9 | Broker Solutions | D | 114 | 50 | 6.1% | 6.63% |
| 10 | Crosscountry Mortgage | B | 106 | 71 | 2.8% | 6.74% |
| 11 | Ameris Bank | B | 104 | 77 | 7.7% | 6.63% |
| 12 | Vanderbilt Mortgage and Finance | F | 104 | 59 | 18.3% | 5.49% |
| 13 | Freedom Mortgage | B | 102 | 44 | 4.9% | 6.25% |
| 14 | Navy Federal Credit Union | D | 97 | 37 | 27.8% | 8.45% |
| 15 | United Community Bank | B | 94 | 55 | 26.6% | 6.50% |
| 16 | Bank of America | F | 81 | 28 | 42.0% | 6.24% |
| 17 | Truist Bank | C | 80 | 45 | 26.3% | 6.63% |
| 18 | Mortgage Research Center | C | 80 | 33 | 16.3% | 6.13% |
| 19 | Dhi Mortgage Company | B | 64 | 49 | 15.6% | 4.99% |
| 20 | Everett Financial | C | 58 | 47 | 5.2% | 6.99% |
| 21 | Lakeview Loan Servicing | C | 57 | 16 | 45.6% | 6.25% |
| 22 | Guild Mortgage | A | 52 | 40 | 5.8% | 6.25% |
| 23 | SouthState Bank | B | 48 | 28 | 33.3% | 6.80% |
| 24 | Homeowners Financial Group USA | B | 48 | 34 | 2.1% | 6.50% |
| 25 | Acopia | A | 48 | 34 | 0.0% | 6.50% |
Best approval odds in Jackson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Fairway Independent Mortgage | 106 | 2.8% |
| 2 | Crosscountry Mortgage | 74 | 4.1% |
| 3 | Everett Financial | 50 | 6.0% |
| 4 | United Shore Financial Services | 271 | 7.8% |
| 5 | Victory Mortgage | 114 | 8.8% |
| 6 | Freedom Mortgage | 56 | 8.9% |
| 7 | Ameris Bank | 86 | 9.3% |
| 8 | Broker Solutions | 57 | 12.3% |
| 9 | Pennymac Loan Services | 101 | 14.9% |
| 10 | Rocket Mortgage | 270 | 16.3% |
What Jackson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jackson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 4,994 | 3,004 | 18.0% | 6.74% | $275,000 |
| 2024 | 5,119 | 3,148 | 17.0% | 6.63% | $295,000 |
| 2025 | 5,245 | 3,118 | 14.8% | 6.50% | $305,000 |
Frequently asked questions
14.8% of applications in Jackson County were denied in 2025, against 19.2% statewide in Georgia.
United Shore Financial Services, with 323 applications in 2025 and a denial rate of 6.5%.
The median mortgage application in Jackson County in 2025 was for $305,000; the median property value on originated loans was $425,000.