Largest lenders in Mitchell County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 89 | 3 | 70.8% | 11.09% |
| 2 | Guardian Bank | A | 32 | 31 | 3.1% | — |
| 3 | Freedom Mortgage | B | 19 | 10 | 5.3% | 5.99% |
| 4 | Rocket Mortgage | C | 19 | 13 | 31.6% | 6.38% |
| 5 | Vanderbilt Mortgage and Finance | F | 17 | 1 | 52.9% | 11.25% |
| 6 | Triad Financial Services | D | 15 | 3 | 73.3% | 10.35% |
| 7 | Five Star Credit Union | D | 14 | 2 | 35.7% | — |
| 8 | Broker Solutions | D | 12 | 5 | 16.7% | 6.99% |
| 9 | Mortgage Research Center | C | 12 | 8 | 8.3% | 6.63% |
| 10 | First Federal Bank | B | 10 | 9 | 10.0% | 6.50% |
| 11 | FirstBank | C | 10 | 1 | 80.0% | 10.84% |
| 12 | Equity Prime Mortgage | D | 10 | 3 | 20.0% | 6.63% |
| 13 | AmeriSave Mortgage | D | 9 | 1 | 66.7% | 8.75% |
| 14 | Newrez | D | 8 | 6 | 12.5% | 6.38% |
| 15 | Truist Bank | C | 7 | 0 | 85.7% | — |
| 16 | New Day Financial | F | 7 | 0 | 57.1% | — |
| 17 | Regions Bank | C | 6 | 2 | 66.7% | 8.00% |
| 18 | GoodLeap | C | 6 | 1 | 66.7% | 12.15% |
| 19 | Union Home Mortgage | B | 6 | 4 | 16.7% | 5.88% |
| 20 | Carrington Mortgage Services | D | 6 | 2 | 50.0% | 7.63% |
| 21 | United Shore Financial Services | B | 6 | 5 | 16.7% | 5.63% |
| 22 | Loandepot.Com | D | 6 | 4 | 0.0% | 8.06% |
| 23 | Synovus Bank | D | 5 | 1 | 40.0% | 6.13% |
| 24 | Towne Mortgage | B | 5 | 4 | 0.0% | 6.87% |
| 25 | Spring Eq | D | 5 | 1 | 60.0% | 7.28% |
Best approval odds in Mitchell County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 67 | 94.0% |
What Mitchell County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Mitchell County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 494 | 154 | 43.3% | 6.75% | $125,000 |
| 2024 | 551 | 187 | 39.8% | 6.97% | $135,000 |
| 2025 | 459 | 182 | 37.5% | 6.75% | $125,000 |
Frequently asked questions
37.5% of applications in Mitchell County were denied in 2025, against 19.2% statewide in Georgia.
21st Mortgage, with 89 applications in 2025 and a denial rate of 70.8%.
The median mortgage application in Mitchell County in 2025 was for $125,000; the median property value on originated loans was $185,000.