Largest lenders in Upson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Bank | C | 116 | 76 | 14.7% | 7.50% |
| 2 | Rocket Mortgage | C | 87 | 62 | 18.4% | 6.88% |
| 3 | United Shore Financial Services | B | 62 | 48 | 11.3% | 6.00% |
| 4 | The Peoples Bank of Georgia | B | 54 | 52 | 1.9% | — |
| 5 | Broker Solutions | D | 34 | 15 | 11.8% | 6.00% |
| 6 | Top Flite Financial | D | 31 | 24 | 0.0% | 6.50% |
| 7 | Mortgage Research Center | C | 27 | 13 | 22.2% | 6.63% |
| 8 | 21st Mortgage | F | 24 | 6 | 16.7% | 9.13% |
| 9 | Loandepot.Com | D | 18 | 4 | 44.4% | 6.50% |
| 10 | Fairway Independent Mortgage | B | 17 | 16 | 0.0% | 6.49% |
| 11 | Freedom Mortgage | B | 14 | 10 | 0.0% | 6.00% |
| 12 | Newrez | D | 14 | 2 | 14.3% | 7.06% |
| 13 | Crosscountry Mortgage | B | 13 | 7 | 0.0% | 6.50% |
| 14 | Navy Federal Credit Union | D | 13 | 5 | 38.5% | 7.75% |
| 15 | Carrington Mortgage Services | D | 12 | 5 | 25.0% | 6.13% |
| 16 | Pennymac Loan Services | C | 10 | 3 | 20.0% | 6.13% |
| 17 | Truist Bank | C | 10 | 4 | 40.0% | 6.64% |
| 18 | Securitynational Mortgage | D | 9 | 7 | 0.0% | 5.94% |
| 19 | Radius Financial Group | B | 9 | 6 | 11.1% | 6.38% |
| 20 | First Bank of Pike | – | 9 | 9 | 0.0% | — |
| 21 | AmeriSave Mortgage | D | 8 | 2 | 75.0% | 9.69% |
| 22 | Mutual of Omaha Mortgage | C | 8 | 2 | 50.0% | 7.00% |
| 23 | Planet Home Lending | B | 8 | 4 | 50.0% | 6.50% |
| 24 | Unnamed lender 254900CTT87ZKAUTIJ37 | F | 8 | 8 | 0.0% | 11.25% |
| 25 | Guaranteed Rate | B | 7 | 3 | 28.6% | 6.25% |
Best approval odds in Upson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Peoples Bank of Georgia | 53 | 1.9% |
| 2 | United Shore Financial Services | 55 | 12.7% |
| 3 | United Bank | 96 | 17.7% |
| 4 | Rocket Mortgage | 80 | 20.0% |
What Upson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Upson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 877 | 483 | 19.8% | 7.06% | $145,000 |
| 2024 | 848 | 490 | 19.2% | 6.88% | $155,000 |
| 2025 | 888 | 533 | 16.6% | 6.63% | $165,000 |
Frequently asked questions
16.6% of applications in Upson County were denied in 2025, against 19.2% statewide in Georgia.
United Bank, with 116 applications in 2025 and a denial rate of 14.7%.
The median mortgage application in Upson County in 2025 was for $165,000; the median property value on originated loans was $255,000.