Mortgage lenders in Effingham County
2,168 mortgages were made in Effingham County, Georgia, in 2025, by 283 lenders. The median rate their borrowers got was 6.500% on a median loan of $265,000. Of 2,966 decisions, 647 were denials — 21.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 247 | 6.500% | $235,000 | 14.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 119 | 6.125% | $315,000 | 8.4% |
| Broker Solutions, Inc. | 110 | 6.625% | $290,000 | 10.9% |
| DHI MORTGAGE COMPANY, LTD. | 90 | 4.313% | $365,000 | 29.5% |
| GUILD MORTGAGE COMPANY | 90 | 6.500% | $275,000 | 5.1% |
| Mortgage Research Center, LLC | 73 | 6.250% | $345,000 | 24.5% |
| PENNYMAC LOAN SERVICES, LLC | 71 | 6.375% | $255,000 | 7.3% |
| FREEDOM MORTGAGE CORPORATION | 64 | 6.250% | $295,000 | 4.1% |
| Navy Federal Credit Union | 61 | 7.590% | $125,000 | 31.5% |
| Bank of Newington | 50 | Not published | $145,000 | 5.7% |
| MOVEMENT MORTGAGE, LLC | 48 | 6.625% | $260,000 | 10.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 47 | 6.125% | $295,000 | 25.8% |
| NEWREZ LLC | 41 | 6.250% | $265,000 | 22.6% |
| Renasant Bank | 34 | 6.875% | $160,000 | 19.1% |
| Truist Bank | 33 | 6.990% | $105,000 | 43.6% |
| Ameris Bank | 33 | 6.500% | $255,000 | 16.7% |
| GEORGIA HERITAGE FEDERAL CREDIT UNION | 29 | 7.750% | $55,000 | 6.5% |
| Loandepot.Com, LLC | 27 | 6.875% | $165,000 | 32.5% |
| Bank of America, National Association | 25 | 6.490% | $105,000 | 56.1% |
| NATIONSTAR MORTGAGE LLC | 25 | 7.750% | $175,000 | 10.7% |
| EMM LOANS LLC | 25 | 6.750% | $285,000 | 0.0% |
| Magnolia Bank, Incorporated | 23 | 6.125% | $325,000 | 4.2% |
| 21st Mortgage Corporation | 22 | 9.985% | $125,000 | 68.9% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 22 | 6.125% | $295,000 | 20.7% |
| PLANET HOME LENDING, LLC | 22 | 6.125% | $230,000 | 8.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 19 | 6.625% | $185,000 | 43.2% |
| Plains Commerce Bank | 18 | 6.125% | $335,000 | 10.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 5.750% | $365,000 | 27.3% |
| FIGURE LENDING LLC | 17 | 8.650% | $75,000 | 34.3% |
| AmeriSave Mortgage Corporation | 15 | 7.625% | $125,000 | 52.9% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.250% | $260,000 | 48.7% |
| Fairway Independent Mortgage Corporation | 14 | 6.625% | $275,000 | 6.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 14 | 6.250% | $325,000 | 0.0% |
| A&D Mortgage LLC | 14 | 6.563% | $305,000 | 6.7% |
| COLONY BANK | 14 | 6.438% | $325,000 | 0.0% |
| SPRING EQ, LLC | 13 | 10.350% | $65,000 | 50.0% |
| CMG MORTGAGE, INC. | 12 | 6.750% | $255,000 | 7.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.000% | $235,000 | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | 6.250% | $315,000 | 15.4% |
| Queensborough National Bank & Trust Company | 11 | 7.250% | $155,000 | 7.7% |
| United Community Bank | 11 | 6.614% | $105,000 | 8.3% |
| SouthState Bank, National Association | 10 | 6.375% | $330,000 | 28.6% |
| UNION HOME MORTGAGE CORP. | 10 | 6.933% | $405,000 | 9.1% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 35.7% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 33.3% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NFM, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 10.0% |
| ZILLOW HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GEOVISTA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 4.2% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 46.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| Loansteady LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Synovus Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 30.0% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| INSPIRE HOME LOANS INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| South Georgia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 71.4% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 69.2% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GEORGIA'S OWN | 4 | Under 10 loans | Under 10 loans | 44.4% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LENNAR MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Assurance Financial Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 14.3% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Option Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| CREDIT UNION OF GEORGIA | 3 | Under 10 loans | Under 10 loans | 40.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Glennville Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PrimeSouth Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CPM Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CORE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| APCO EMPLOYEES | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Thomasville National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 88.9% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SENTE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Alcova Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TVA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IGPKT07NB45N35 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PromiseOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Workmen's Circle Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LGE COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grow Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 83 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Effingham County
10 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Renasant Bank | 2 | $199.0 million |
| Bank of Newington | 2 | $138.6 million |
| The Huntington National Bank | 2 | $55.3 million |
| Ameris Bank | 1 | $166.9 million |
| Bank of America, National Association | 1 | $145.0 million |
| Truist Bank | 1 | $134.1 million |
| Queensborough National Bank & Trust Company | 1 | $45.9 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 203 S Laurel St, Springfield
- Cadence Bank, 5671 Highway 21 S, Rincon
Get told when this changes
When the next year’s lending figures are out for Effingham County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.