Largest lenders in Pickens County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 138 | 97 | 16.7% | 6.88% |
| 2 | United Community Bank | B | 128 | 83 | 25.0% | 6.50% |
| 3 | United Shore Financial Services | B | 113 | 84 | 8.9% | 6.31% |
| 4 | Vanderbilt Mortgage and Finance | F | 71 | 19 | 14.1% | 6.75% |
| 5 | Regions Bank | C | 68 | 31 | 36.8% | 6.50% |
| 6 | Dhi Mortgage Company | B | 66 | 46 | 16.7% | 4.99% |
| 7 | Pennymac Loan Services | C | 59 | 38 | 3.4% | 6.56% |
| 8 | Renasant Bank | B | 54 | 36 | 13.0% | 7.00% |
| 9 | Towne Mortgage | B | 43 | 34 | 0.0% | 6.56% |
| 10 | Newrez | D | 42 | 15 | 14.3% | 6.99% |
| 11 | Freedom Mortgage | B | 38 | 20 | 2.6% | 6.25% |
| 12 | Triad Financial Services | D | 33 | 11 | 42.4% | 8.48% |
| 13 | Crosscountry Mortgage | B | 32 | 20 | 3.1% | 6.60% |
| 14 | Mortgage Research Center | C | 32 | 9 | 28.1% | 6.63% |
| 15 | Loandepot.Com | D | 32 | 14 | 21.9% | 6.56% |
| 16 | ITHINK FINANCIAL Credit Union | D | 32 | 22 | 21.9% | 8.00% |
| 17 | Everett Financial | C | 31 | 20 | 12.9% | 6.63% |
| 18 | Navy Federal Credit Union | D | 30 | 12 | 26.7% | 7.67% |
| 19 | Lakeview Loan Servicing | C | 28 | 9 | 39.3% | 6.63% |
| 20 | Spring Eq | D | 25 | 8 | 40.0% | 8.80% |
| 21 | Ameris Bank | B | 24 | 17 | 8.3% | 6.75% |
| 22 | AmeriSave Mortgage | D | 24 | 12 | 50.0% | 7.88% |
| 23 | 21st Mortgage | F | 24 | 3 | 45.8% | 9.38% |
| 24 | Truist Bank | C | 22 | 7 | 40.9% | 6.63% |
| 25 | Credit Union of Georgia | C | 22 | 12 | 27.3% | 7.22% |
Best approval odds in Pickens 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 | 96 | 10.4% |
| 2 | Rocket Mortgage | 124 | 18.6% |
| 3 | Dhi Mortgage Company | 57 | 19.3% |
| 4 | United Community Bank | 117 | 27.4% |
| 5 | Regions Bank | 59 | 42.4% |
What Pickens County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Pickens County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,830 | 1,008 | 21.4% | 6.88% | $215,000 |
| 2024 | 1,848 | 1,046 | 18.7% | 6.88% | $235,000 |
| 2025 | 2,099 | 1,195 | 17.4% | 6.63% | $255,000 |
Frequently asked questions
17.4% of applications in Pickens County were denied in 2025, against 19.2% statewide in Georgia.
Rocket Mortgage, with 138 applications in 2025 and a denial rate of 16.7%.
The median mortgage application in Pickens County in 2025 was for $255,000; the median property value on originated loans was $405,000.