Largest lenders in Rabun County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Community Bank | B | 70 | 46 | 25.7% | 6.50% |
| 2 | Rocket Mortgage | C | 49 | 29 | 22.5% | 6.99% |
| 3 | Regions Bank | C | 44 | 18 | 27.3% | 6.31% |
| 4 | Renasant Bank | B | 37 | 37 | 0.0% | 6.63% |
| 5 | Guild Mortgage | A | 30 | 20 | 10.0% | 6.69% |
| 6 | Synovus Bank | D | 26 | 18 | 7.7% | 5.69% |
| 7 | United Shore Financial Services | B | 23 | 17 | 17.4% | 6.12% |
| 8 | SouthState Bank | B | 20 | 13 | 25.0% | 7.15% |
| 9 | Truist Bank | C | 18 | 9 | 22.2% | 6.10% |
| 10 | Pennymac Loan Services | C | 17 | 8 | 11.8% | 6.13% |
| 11 | Vanderbilt Mortgage and Finance | F | 13 | 3 | 38.5% | 7.25% |
| 12 | Bank of America | F | 12 | 6 | 25.0% | 6.06% |
| 13 | First American Bank and Trust | A | 12 | 7 | 8.3% | — |
| 14 | Ameris Bank | B | 11 | 8 | 0.0% | 6.81% |
| 15 | Guaranteed Rate | B | 11 | 5 | 18.2% | 6.99% |
| 16 | 21st Mortgage | F | 10 | 1 | 30.0% | 9.86% |
| 17 | Newrez | D | 10 | 1 | 20.0% | 7.88% |
| 18 | Navy Federal Credit Union | D | 10 | 3 | 0.0% | 6.50% |
| 19 | Figure Lending | C | 10 | 7 | 10.0% | 8.80% |
| 20 | Oconee Federal Savings and Loan Association | C | 9 | 7 | 11.1% | — |
| 21 | Fairway Independent Mortgage | B | 8 | 8 | 0.0% | 6.81% |
| 22 | Sente Mortgage | C | 8 | 7 | 0.0% | 6.75% |
| 23 | Broker Solutions | D | 8 | 2 | 0.0% | 6.50% |
| 24 | Mortgage Research Center | C | 8 | 3 | 25.0% | 5.99% |
| 25 | Nationstar Mortgage | C | 7 | 3 | 28.6% | 9.38% |
Best approval odds in Rabun County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Community Bank | 66 | 27.3% |
What Rabun County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Rabun County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 632 | 346 | 20.9% | 7.00% | $215,000 |
| 2024 | 715 | 416 | 17.9% | 6.99% | $245,000 |
| 2025 | 732 | 422 | 17.8% | 6.63% | $255,000 |
Frequently asked questions
17.8% of applications in Rabun County were denied in 2025, against 19.2% statewide in Georgia.
United Community Bank, with 70 applications in 2025 and a denial rate of 25.7%.
The median mortgage application in Rabun County in 2025 was for $255,000; the median property value on originated loans was $435,000.