Largest lenders in Lumpkin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 127 | 86 | 19.7% | 6.88% |
| 2 | United Community Bank | B | 120 | 77 | 27.5% | 6.50% |
| 3 | United Shore Financial Services | B | 103 | 77 | 10.7% | 6.50% |
| 4 | Truist Bank | C | 56 | 27 | 39.3% | 6.50% |
| 5 | Fairway Independent Mortgage | B | 45 | 34 | 2.2% | 6.63% |
| 6 | Dhi Mortgage Company | B | 41 | 27 | 14.6% | 4.99% |
| 7 | 21st Mortgage | F | 38 | 14 | 39.5% | 8.93% |
| 8 | Ameris Bank | B | 36 | 29 | 0.0% | 6.69% |
| 9 | Regions Bank | C | 31 | 9 | 48.4% | 4.99% |
| 10 | Freedom Mortgage | B | 30 | 14 | 6.7% | 6.13% |
| 11 | Pennymac Loan Services | C | 28 | 19 | 3.6% | 6.49% |
| 12 | Navy Federal Credit Union | D | 28 | 17 | 17.9% | 8.25% |
| 13 | AmeriSave Mortgage | D | 26 | 5 | 69.2% | 8.88% |
| 14 | Crosscountry Mortgage | B | 24 | 14 | 4.2% | 6.69% |
| 15 | Spring Eq | D | 24 | 11 | 37.5% | 8.98% |
| 16 | Newrez | D | 24 | 5 | 25.0% | 6.75% |
| 17 | Mortgage Research Center | C | 23 | 8 | 13.0% | 6.56% |
| 18 | Figure Lending | C | 21 | 12 | 33.3% | 8.28% |
| 19 | Bank OZK | C | 19 | 11 | 31.6% | 5.99% |
| 20 | Loandepot.Com | D | 19 | 7 | 31.6% | 8.13% |
| 21 | Premier Mortgage Resources | B | 18 | 12 | 0.0% | 6.25% |
| 22 | Pinnacle Bank | C | 18 | 15 | 0.0% | — |
| 23 | Nationstar Mortgage | C | 17 | 12 | 11.8% | 7.93% |
| 24 | Guild Mortgage | A | 17 | 10 | 5.9% | 6.93% |
| 25 | Georgia'S Own | F | 16 | 5 | 31.3% | 7.13% |
Best approval odds in Lumpkin 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 | 90 | 12.2% |
| 2 | Rocket Mortgage | 113 | 22.1% |
| 3 | United Community Bank | 111 | 29.7% |
What Lumpkin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lumpkin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,246 | 690 | 21.8% | 6.99% | $205,000 |
| 2024 | 1,446 | 780 | 22.1% | 6.99% | $215,000 |
| 2025 | 1,623 | 935 | 18.6% | 6.63% | $255,000 |
Frequently asked questions
18.6% of applications in Lumpkin County were denied in 2025, against 19.2% statewide in Georgia.
Rocket Mortgage, with 127 applications in 2025 and a denial rate of 19.7%.
The median mortgage application in Lumpkin County in 2025 was for $255,000; the median property value on originated loans was $415,000.