Largest lenders in Richmond County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 421 | 277 | 22.8% | 6.63% |
| 2 | SouthState Bank | B | 382 | 279 | 9.4% | 6.63% |
| 3 | Mortgage Research Center | C | 307 | 151 | 18.2% | 6.50% |
| 4 | United Shore Financial Services | B | 301 | 210 | 12.6% | 6.13% |
| 5 | Guild Mortgage | A | 298 | 191 | 9.7% | 6.25% |
| 6 | Navy Federal Credit Union | D | 282 | 114 | 24.5% | 6.56% |
| 7 | Freedom Mortgage | B | 227 | 110 | 7.5% | 6.25% |
| 8 | Broker Solutions | D | 204 | 86 | 11.3% | 6.93% |
| 9 | SRP Federal Credit Union | C | 189 | 101 | 18.5% | 6.25% |
| 10 | Dhi Mortgage Company | B | 148 | 99 | 7.4% | 5.50% |
| 11 | Vanderbilt Mortgage and Finance | F | 145 | 13 | 33.1% | 6.88% |
| 12 | Kiavi Funding | D | 137 | 45 | 6.6% | 9.95% |
| 13 | Pennymac Loan Services | C | 128 | 53 | 12.5% | 6.25% |
| 14 | Movement Mortgage | A | 117 | 82 | 0.9% | 6.25% |
| 15 | Crosscountry Mortgage | B | 115 | 67 | 2.6% | 6.50% |
| 16 | AmeriSave Mortgage | D | 114 | 29 | 57.9% | 6.25% |
| 17 | Regions Bank | C | 109 | 41 | 49.5% | 6.38% |
| 18 | Bank of America | F | 108 | 16 | 59.3% | 6.38% |
| 19 | Loandepot.Com | D | 106 | 50 | 34.0% | 7.25% |
| 20 | New Day Financial | F | 105 | 26 | 21.0% | 6.87% |
| 21 | Newrez | D | 103 | 31 | 22.3% | 6.63% |
| 22 | Truist Bank | C | 101 | 42 | 40.6% | 7.09% |
| 23 | Ameris Bank | B | 91 | 57 | 7.7% | 6.50% |
| 24 | Queensborough National Bank & Trust | B | 90 | 68 | 5.6% | 6.50% |
| 25 | Pinnacle Bank | C | 86 | 61 | 10.5% | — |
Best approval odds in Richmond County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Movement Mortgage | 101 | 1.0% |
| 2 | Crosscountry Mortgage | 71 | 4.2% |
| 3 | Queensborough National Bank & Trust | 79 | 6.3% |
| 4 | Dhi Mortgage Company | 113 | 9.7% |
| 5 | Ameris Bank | 64 | 10.9% |
| 6 | SouthState Bank | 317 | 11.4% |
| 7 | Guild Mortgage | 250 | 11.6% |
| 8 | Freedom Mortgage | 145 | 11.7% |
| 9 | Pinnacle Bank | 70 | 12.9% |
| 10 | United Shore Financial Services | 256 | 14.8% |
What Richmond County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Richmond County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 6,386 | 3,151 | 23.1% | 6.75% | $155,000 |
| 2024 | 6,279 | 3,150 | 21.5% | 6.63% | $165,000 |
| 2025 | 7,128 | 3,633 | 19.6% | 6.62% | $155,000 |
Frequently asked questions
19.6% of applications in Richmond County were denied in 2025, against 19.2% statewide in Georgia.
Rocket Mortgage, with 421 applications in 2025 and a denial rate of 22.8%.
The median mortgage application in Richmond County in 2025 was for $155,000; the median property value on originated loans was $225,000.