Mortgage lending in Effingham County, Georgia
Lenders in Effingham County, Georgia reported 3,797 mortgage applications for 2025, according to the CFPB.
3,797 mortgage applications and 2,170 loans originated in 2025; the denial rate was 21.8% of 2,968 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Savannah, GA MSA.
- 3,797
- Applications
- 2,170
- Loans originated
- 21.8%
- Denial rate
- 647 denied of 2,968 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,797 | 2,170 |
| 2024 | 3,507 | 1,993 |
| 2023 | 3,364 | 1,950 |
| 2022 | 4,112 | 2,365 |
| 2021 | 6,238 | 3,906 |
| 2020 | 5,345 | 3,358 |
| 2019 | 3,693 | 2,172 |
| 2018 | 3,161 | 1,935 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 247 | 314 |
| United Wholesale Mortgage | 119 | 165 |
| New American Funding, LLC. | 110 | 210 |
| DHI Mortgage Company, LTD. | 90 | 155 |
| Guild Mortgage Company | 90 | 112 |
| Mortgage Research Center | 73 | 143 |
| Pennymac Loan Services LLC | 71 | 135 |
| Freedom Mortgage Corporation | 64 | 109 |
| Navy Federal Credit Union | 61 | 120 |
| Bank of Newington | 50 | 61 |
| Movement Mortgage, LLC | 48 | 71 |
| Vanderbilt Mortgage and Finance, Inc | 47 | 104 |
| Newrez LLC | 41 | 84 |
| Renasant Bank | 34 | 46 |
| Ameris Bank | 33 | 49 |
| Truist Bank | 33 | 67 |
| Georgia Heritage FCU | 29 | 35 |
| loanDepot.com LLC | 27 | 48 |
| EMM Loans LLC | 25 | 31 |
| Nationstar Mortgage | 25 | 32 |
| Bank of America NA | 25 | 83 |
| Magnolia Bank | 23 | 24 |
| Planet Home Lending, LLC | 22 | 28 |
| 21ST Mortgage | 22 | 107 |
| BankSouth Mortgage Company LLC | 22 | 31 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 23 | no rate: base under 50 |
| Asian | 92 | 20.8% of 72 decided |
| Black or African American | 528 | 31.6% of 399 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 2,450 | 18.7% of 1,964 decided |
| 2 or more minority races | under 10 | |
| Joint | 57 | no rate: base under 50 |
| Race Not Available | 633 | 25.3% of 463 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 238 | 21.8% of 188 decided |
| Not Hispanic or Latino | 2,870 | 21.2% of 2,289 decided |
| Joint | 83 | 17.2% of 58 decided |
| Ethnicity Not Available | 606 | 25.4% of 433 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,658 | 21.5% of 1,305 decided |
| Female | 731 | 29.6% of 592 decided |
| Joint | 1,103 | 15.8% of 858 decided |
| Sex Not Available | 305 | 26.3% of 213 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 470 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved