Mortgage lenders in Habersham County
1,135 mortgages were made in Habersham County, Georgia, in 2025, by 219 lenders. The median rate their borrowers got was 6.625% on a median loan of $235,000. Of 1,551 decisions, 346 were denials — 22.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 88 | 6.563% | $195,000 | 19.5% |
| United Community Bank | 83 | 6.500% | $135,000 | 26.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 77 | 6.125% | $275,000 | 12.2% |
| SouthState Bank, National Association | 62 | 6.800% | $140,000 | 23.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 6.625% | $275,000 | 3.6% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 43 | 6.500% | $265,000 | 4.4% |
| PINNACLE BANK | 38 | Not published | $105,000 | 23.5% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 31 | 6.625% | $265,000 | 6.1% |
| Fairway Independent Mortgage Corporation | 30 | 6.490% | $275,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 25 | 6.625% | $215,000 | 21.9% |
| Renasant Bank | 24 | 6.625% | $265,000 | 0.0% |
| Regions Bank | 23 | 4.990% | $75,000 | 37.5% |
| 21st Mortgage Corporation | 21 | 8.960% | $155,000 | 51.2% |
| Mortgage Research Center, LLC | 19 | 6.250% | $345,000 | 38.7% |
| GUILD MORTGAGE COMPANY | 19 | 6.625% | $325,000 | 4.8% |
| SENTE MORTGAGE, INC. | 16 | 6.563% | $305,000 | 0.0% |
| NEWREZ LLC | 13 | 6.250% | $175,000 | 23.5% |
| FREEDOM MORTGAGE CORPORATION | 12 | 5.750% | $260,000 | 11.1% |
| GEORGIA UNITED | 12 | 7.750% | $60,000 | 57.1% |
| Broker Solutions, Inc. | 11 | 6.875% | $75,000 | 14.3% |
| MyGeorgia Credit Union | 11 | 7.250% | $55,000 | 26.7% |
| AmeriSave Mortgage Corporation | 10 | 8.063% | $75,000 | 60.0% |
| EVERETT FINANCIAL, INC. | 10 | 6.438% | $285,000 | 9.1% |
| PEACH STATE FEDERAL CREDIT UNION | 10 | 6.500% | $85,000 | 21.4% |
| UNION HOME MORTGAGE CORP. | 10 | 6.688% | $270,000 | 9.1% |
| Ameris Bank | 10 | 6.933% | $230,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 9 | Under 10 loans | Under 10 loans | 52.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| FIGURE LENDING LLC | 9 | Under 10 loans | Under 10 loans | 29.4% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Option Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 7 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 40.0% |
| US MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 75.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 69.2% |
| GEORGIA'S OWN | 4 | Under 10 loans | Under 10 loans | 16.7% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 46.2% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Oconee Federal Savings and Loan Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Onward Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AgGeorgia Farm Credit, ACA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peach State Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Synovus Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RADIUS FINANCIAL GROUP INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| City National Bank of Florida | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CDC FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 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% |
| Georgia Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Countybank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SRP Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY SAVINGS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF GEORGIA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Morgan Stanley Private Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| First Financial Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CAPITAL CENTER, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| 2549005FUF02T1IFCA22 | 0 | Under 10 loans | Under 10 loans | Not published |
| STG MORTGAGE INC | 0 | Under 10 loans | Under 10 loans | Not published |
| ISERVE RESIDENTIAL LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| INTERCOASTAL MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| First Heritage Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 19 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Habersham County
11 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| SouthState Bank, National Association | 3 | $373.8 million |
| United Community Bank | 2 | $386.0 million |
| Vallant Bank | 2 | $145.3 million |
| Rabun County Bank | 2 | $101.5 million |
| Bank OZK | 1 | $213.3 million |
| Regions Bank | 1 | $103.3 million |
Get told when this changes
When the next year’s lending figures are out for Habersham County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.