Largest mortgage lenders in Georgia
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 29,845 | 21,182 | 18.2% | 6.63% |
| 2 | United Shore Financial Services | B | 23,784 | 17,047 | 12.6% | 6.25% |
| 3 | Navy Federal Credit Union | D | 12,388 | 5,118 | 26.4% | 7.95% |
| 4 | Truist Bank | C | 10,563 | 4,837 | 38.7% | 6.49% |
| 5 | Pennymac Loan Services | C | 10,273 | 5,272 | 11.6% | 6.49% |
| 6 | Broker Solutions | D | 9,709 | 4,063 | 8.6% | 6.63% |
| 7 | Mortgage Research Center | C | 9,443 | 4,139 | 19.8% | 6.25% |
| 8 | Freedom Mortgage | B | 9,293 | 3,946 | 9.1% | 6.25% |
| 9 | Bank of America | F | 9,168 | 3,440 | 36.5% | 6.24% |
| 10 | Ameris Bank | B | 8,065 | 5,627 | 10.1% | 6.50% |
| 11 | Newrez | D | 7,880 | 2,480 | 21.5% | 6.63% |
| 12 | Loandepot.Com | D | 7,336 | 4,168 | 24.5% | 6.49% |
| 13 | 21st Mortgage | F | 7,152 | 1,218 | 51.0% | 9.73% |
| 14 | Vanderbilt Mortgage and Finance | F | 7,071 | 1,956 | 30.1% | 6.49% |
| 15 | Regions Bank | C | 6,451 | 2,869 | 37.9% | 6.13% |
| 16 | Crosscountry Mortgage | B | 6,148 | 3,633 | 5.2% | 6.63% |
| 17 | Delta Community Credit Union | C | 5,505 | 2,867 | 26.9% | 7.00% |
| 18 | Guild Mortgage | A | 5,377 | 3,788 | 5.2% | 6.25% |
| 19 | AmeriSave Mortgage | D | 5,292 | 1,343 | 62.4% | 8.00% |
| 20 | Fairway Independent Mortgage | B | 5,147 | 3,631 | 3.8% | 6.63% |
| 21 | United Community Bank | B | 4,774 | 3,186 | 23.0% | 6.50% |
| 22 | Spring Eq | D | 4,535 | 1,319 | 50.2% | 9.25% |
| 23 | Dhi Mortgage Company | B | 4,295 | 2,777 | 17.0% | 4.99% |
| 24 | Synovus Bank | D | 3,969 | 2,576 | 19.8% | 7.50% |
| 25 | Georgia'S Own | F | 3,891 | 1,374 | 28.5% | 7.25% |
Best approval odds in Georgia
Lowest decision denial rate among lenders that decided at least 300 Georgia applications in 2025.
| # | Lender | Decided | Decision denial rate | Median rate |
|---|---|---|---|---|
| 1 | General Mortgage Capital | 311 | 0.6% | 6.50% |
| 2 | Mortgage Assurance | 412 | 0.7% | 6.25% |
| 3 | BoxCar Mortgage | 1,300 | 1.3% | 6.49% |
| 4 | Georgia Community Bank | 365 | 1.4% | — |
| 5 | Lakeview Community Capital | 356 | 1.4% | 6.25% |
| 6 | Ark-La-Tex Financial Services, LLC. | 400 | 1.5% | 6.38% |
| 7 | Success Mortgage Partners | 350 | 1.7% | 6.63% |
| 8 | Atlantic Bay Mortgage Group | 759 | 2.1% | 6.50% |
| 9 | Canopy Mortgage | 1,524 | 2.6% | 6.25% |
| 10 | Southeast Mortgage of Georgia | 1,290 | 3.0% | 6.50% |
Lowest median rates in Georgia
Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.
| # | Lender | Priced loans | Median rate | Denial rate |
|---|---|---|---|---|
| 1 | Inspire Home Loans | 681 | 4.88% | 10.3% |
| 2 | Jet Homeloans | 269 | 4.99% | 10.4% |
| 3 | Trailblazer Mortgage | 797 | 4.99% | 3.6% |
| 4 | Dhi Mortgage Company | 2,725 | 4.99% | 17.0% |
| 5 | Taylor Morrison Home Funding | 425 | 5.38% | 10.0% |
| 6 | Lennar Mortgage | 816 | 5.38% | 12.7% |
| 7 | Pulte Mortgage | 801 | 5.38% | 13.8% |
| 8 | Unnamed lender 254900IGPKT07NB45N35 | 159 | 5.49% | 1.3% |
| 9 | Clearpath Lending | 106 | 5.75% | 7.5% |
| 10 | Charles Schwab Bank | 146 | 5.75% | 2.6% |
What Georgia borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why Georgia applications were denied
Georgia mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 398,664 | 209,723 | 21.9% | 6.88% | $215,000 | 1,263 |
| 2024 | 422,002 | 227,742 | 21.0% | 6.75% | $225,000 | 1,197 |
| 2025 | 449,146 | 242,931 | 19.2% | 6.63% | $235,000 | 1,201 |
Georgia counties
Counties with at least 200 applications in 2025, most active first.
Fulton County43k
Gwinnett County36k
Cobb County30k
DeKalb County28k
Cherokee County14k
Henry County13k
Forsyth County13k
Chatham County13k
Clayton County10k
Paulding County9.1k
Hall County8.0k
Houston County7.7k
Columbia County7.4k
Coweta County6.8k
Richmond County6.8k
Douglas County6.7k
Muscogee County6.4k
Fayette County5.5k
Newton County5.4k
Bartow County5.1k
Carroll County5.1k
Bibb County5.1k
Jackson County4.9k
Rockdale County4.9k
Barrow County4.8k
Walton County4.6k
Lowndes County4.5k
Liberty County3.6k
Effingham County3.5k
Floyd County3.3k
Glynn County3.1k
Camden County3.1k
Catoosa County3.0k
Whitfield County3.0k
Walker County2.9k
Clarke County2.8k
Spalding County2.8k
Bryan County2.7k
Troup County2.5k
Gordon County2.3k
Bulloch County2.3k
Dougherty County1.9k
Pickens County1.8k
Dawson County1.8k
Habersham County1.7k
Gilmer County1.7k
Harris County1.6k
Fannin County1.5k
Oconee County1.5k
Long County1.4k
Polk County1.4k
Lumpkin County1.3k
Laurens County1.3k
Lee County1.3k
Haralson County1.3k
White County1.3k
Murray County1.2k
Thomas County1.2k
Union County1.2k
Madison County1.1k
Monroe County1.1k
Wayne County977
Ware County960
Jones County934
Stephens County929
Colquitt County919
Putnam County913
Tift County911
Peach County905
Butts County891
Baldwin County876
Hart County828
Greene County789
Franklin County760
Lamar County760
Coffee County755
Pike County747
Banks County718
Morgan County714
Upson County695
Jasper County694
Meriwether County688
Chattooga County651
Pierce County649
Decatur County636
Berrien County562
Tattnall County559
Burke County535
Towns County531
McDuffie County525
Rabun County517
Dade County505
Grady County503
Elbert County497
Oglethorpe County495
Cook County481
McIntosh County474
Brantley County471
Worth County462
Sumter County417
Toombs County393
Lanier County392
Heard County377
Dodge County374
Appling County370
Emanuel County354
Mitchell County341
Charlton County325
Crisp County320
Brooks County313
Crawford County296
Washington County294
Screven County289
Jefferson County280
Ben Hill County262
Pulaski County259
Bleckley County244
Jeff Davis County234
Frequently asked questions
19.2% of mortgage applications in Georgia were denied in 2025 (25.1% of applications that reached a decision). Nationally the rate was 18.0%.
Rocket Mortgage handled the most applications in Georgia in 2025: 29,845, with a denial rate of 18.2%.
Among lenders that decided at least 300 applications in Georgia, General Mortgage Capital had the lowest decision denial rate at 0.6%.
The median interest rate on loans originated in Georgia in 2025 was 6.63%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.