Largest lenders in Oglethorpe County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 47 | 36 | 21.3% | 6.19% |
| 2 | United Shore Financial Services | B | 33 | 24 | 12.1% | 6.12% |
| 3 | 21st Mortgage | F | 27 | 3 | 48.2% | 10.17% |
| 4 | Pinnacle Bank | C | 24 | 18 | 20.8% | — |
| 5 | Magnolia Bank | C | 22 | 19 | 9.1% | 6.38% |
| 6 | Pennymac Loan Services | C | 19 | 14 | 10.5% | 6.56% |
| 7 | The Commercial Bank | B | 18 | 15 | 0.0% | — |
| 8 | Regions Bank | C | 17 | 10 | 17.7% | 6.31% |
| 9 | Newrez | D | 17 | 6 | 17.7% | 5.99% |
| 10 | Mortgage Research Center | C | 13 | 2 | 23.1% | 6.56% |
| 11 | Georgia United | D | 12 | 5 | 58.3% | 7.00% |
| 12 | Vanderbilt Mortgage and Finance | F | 12 | 4 | 25.0% | 8.88% |
| 13 | Truist Bank | C | 11 | 5 | 54.6% | 6.89% |
| 14 | City National Bank of Florida | B | 11 | 7 | 0.0% | 6.50% |
| 15 | Bank of America | F | 11 | 4 | 18.2% | 6.25% |
| 16 | Ameris Bank | B | 10 | 5 | 20.0% | 6.75% |
| 17 | Crosscountry Mortgage | B | 10 | 3 | 10.0% | 5.99% |
| 18 | Broker Solutions | D | 10 | 4 | 0.0% | 7.12% |
| 19 | AmeriSave Mortgage | D | 9 | 0 | 55.6% | — |
| 20 | Nationstar Mortgage | C | 9 | 6 | 33.3% | 6.69% |
| 21 | Oconee State Bank | B | 9 | 7 | 11.1% | — |
| 22 | Discover Bank | F | 8 | 0 | 37.5% | — |
| 23 | Everett Financial | C | 8 | 5 | 12.5% | 6.06% |
| 24 | Guaranteed Rate | B | 8 | 1 | 12.5% | 5.50% |
| 25 | Carrington Mortgage Services | D | 8 | 2 | 50.0% | 5.88% |
What Oglethorpe County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Oglethorpe County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 549 | 290 | 21.1% | 6.88% | $175,000 |
| 2024 | 570 | 325 | 19.8% | 6.75% | $205,000 |
| 2025 | 677 | 363 | 18.9% | 6.50% | $195,000 |
Frequently asked questions
18.9% of applications in Oglethorpe County were denied in 2025, against 19.2% statewide in Georgia.
Rocket Mortgage, with 47 applications in 2025 and a denial rate of 21.3%.
The median mortgage application in Oglethorpe County in 2025 was for $195,000; the median property value on originated loans was $345,000.