Largest lenders in Jefferson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 44 | 7 | 36.4% | 9.50% |
| 2 | 21st Mortgage | F | 42 | 9 | 52.4% | 9.37% |
| 3 | First State Bank | A | 31 | 31 | 0.0% | — |
| 4 | Regions Bank | C | 29 | 11 | 44.8% | 6.13% |
| 5 | Rocket Mortgage | C | 23 | 13 | 43.5% | 6.50% |
| 6 | Broker Solutions | D | 16 | 6 | 6.3% | 7.12% |
| 7 | Guild Mortgage | A | 15 | 10 | 6.7% | 6.25% |
| 8 | Queensborough National Bank & Trust | B | 12 | 10 | 8.3% | 6.75% |
| 9 | United Shore Financial Services | B | 10 | 8 | 10.0% | 5.75% |
| 10 | SRP Federal Credit Union | C | 9 | 7 | 11.1% | 6.13% |
| 11 | Mortgage Research Center | C | 9 | 3 | 33.3% | 6.25% |
| 12 | Navy Federal Credit Union | D | 8 | 0 | 75.0% | — |
| 13 | AgGeorgia Farm Credit, ACA | F | 6 | 1 | 33.3% | 8.42% |
| 14 | Freedom Mortgage | B | 6 | 3 | 0.0% | 6.38% |
| 15 | AmeriSave Mortgage | D | 5 | 1 | 80.0% | 7.25% |
| 16 | Triad Financial Services | D | 5 | 1 | 80.0% | 7.65% |
| 17 | American Financial Resources | B | 5 | 3 | 0.0% | 5.75% |
| 18 | Pinnacle Bank | C | 5 | 5 | 0.0% | — |
What Jefferson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jefferson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 335 | 139 | 31.3% | 7.13% | $115,000 |
| 2024 | 359 | 172 | 26.7% | 6.63% | $135,000 |
| 2025 | 386 | 182 | 29.3% | 6.63% | $135,000 |
Frequently asked questions
29.3% of applications in Jefferson County were denied in 2025, against 19.2% statewide in Georgia.
Vanderbilt Mortgage and Finance, with 44 applications in 2025 and a denial rate of 36.4%.
The median mortgage application in Jefferson County in 2025 was for $135,000; the median property value on originated loans was $225,000.