Mortgage lenders in Oglethorpe County
363 mortgages were made in Oglethorpe County, Georgia, in 2025, by 148 lenders. The median rate their borrowers got was 6.500% on a median loan of $235,000. Of 515 decisions, 128 were denials — 24.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 36 | 6.188% | $250,000 | 21.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 24 | 6.121% | $270,000 | 14.3% |
| Magnolia Bank, Incorporated | 19 | 6.375% | $245,000 | 9.5% |
| PINNACLE BANK | 18 | Not published | $85,000 | 21.7% |
| The Commercial Bank | 15 | Not published | $105,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 14 | 6.562% | $220,000 | 12.5% |
| Regions Bank | 10 | 6.313% | $320,000 | 20.0% |
| City National Bank of Florida | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Oconee State Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NEWREZ LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GEORGIA UNITED | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| COLONY BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 81.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROBINS FINANCIAL | 3 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AgGeorgia Farm Credit, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Classic City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEACH STATE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankSouth | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| APCO EMPLOYEES | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&M Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 75.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| ACOPIA, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GMFS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FirstBank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| MyGeorgia Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Vellum Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONS DIRECT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COMMUNITY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Atlantic Union Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CITY-COUNTY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Charles Schwab Bank, SSB | 0 | Under 10 loans | Under 10 loans | Not published |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank OZK | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 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.
Bank branches in Oglethorpe County
2 FDIC-insured branches from 2 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Commercial Bank | 1 | $118.2 million |
| Vallant Bank | 1 | $52.4 million |
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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.