Largest lenders in Stephens County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Premier Mortgage Resources | B | 76 | 58 | 0.0% | 6.25% |
| 2 | Rocket Mortgage | C | 74 | 48 | 20.3% | 6.75% |
| 3 | United Shore Financial Services | B | 65 | 47 | 12.3% | 6.42% |
| 4 | 21st Mortgage | F | 60 | 12 | 46.7% | 9.40% |
| 5 | Vanderbilt Mortgage and Finance | F | 53 | 7 | 43.4% | 9.75% |
| 6 | Regions Bank | C | 39 | 13 | 56.4% | 7.13% |
| 7 | American Pacific Mortgage | C | 36 | 31 | 2.8% | 6.50% |
| 8 | Pennymac Loan Services | C | 30 | 12 | 10.0% | 6.13% |
| 9 | Mortgage Research Center | C | 28 | 12 | 14.3% | 6.56% |
| 10 | First-Citizens Bank & Trust | B | 25 | 14 | 36.0% | 6.38% |
| 11 | AmeriSave Mortgage | D | 22 | 7 | 63.6% | 7.63% |
| 12 | Newrez | D | 22 | 11 | 13.6% | 6.63% |
| 13 | Pinnacle Bank | C | 21 | 16 | 4.8% | — |
| 14 | SouthState Bank | B | 20 | 11 | 30.0% | 6.59% |
| 15 | Everett Financial | C | 20 | 9 | 20.0% | 6.88% |
| 16 | Freedom Mortgage | B | 20 | 11 | 15.0% | 6.13% |
| 17 | Fairway Independent Mortgage | B | 19 | 14 | 5.3% | 6.63% |
| 18 | Homeowners Financial Group USA | B | 18 | 11 | 0.0% | 6.13% |
| 19 | Inspire Home Loans | B | 18 | 13 | 5.6% | 4.88% |
| 20 | Broker Solutions | D | 17 | 6 | 11.8% | 6.94% |
| 21 | Peach State Federal Credit Union | C | 16 | 7 | 31.3% | 6.75% |
| 22 | United Community Bank | B | 15 | 11 | 13.3% | 6.50% |
| 23 | Crosscountry Mortgage | B | 15 | 12 | 0.0% | 6.24% |
| 24 | Credit Human Federal Credit Union | D | 15 | 0 | 93.3% | — |
| 25 | Carrington Mortgage Services | D | 14 | 4 | 57.1% | 7.13% |
Best approval odds in Stephens County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Premier Mortgage Resources | 58 | 0.0% |
| 2 | United Shore Financial Services | 56 | 14.3% |
| 3 | Rocket Mortgage | 64 | 23.4% |
What Stephens County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Stephens County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 893 | 463 | 21.5% | 6.99% | $165,000 |
| 2024 | 1,012 | 551 | 22.1% | 6.75% | $185,000 |
| 2025 | 1,221 | 642 | 20.4% | 6.63% | $185,000 |
Frequently asked questions
20.4% of applications in Stephens County were denied in 2025, against 19.2% statewide in Georgia.
Premier Mortgage Resources, with 76 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Stephens County in 2025 was for $185,000; the median property value on originated loans was $255,000.