Largest lenders in Baldwin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 72 | 54 | 15.3% | 6.75% |
| 2 | Robins Financial | B | 65 | 45 | 21.5% | 6.38% |
| 3 | Exchange Bank | C | 62 | 43 | 11.3% | — |
| 4 | 21st Mortgage | F | 53 | 8 | 52.8% | 9.54% |
| 5 | Mutual of Omaha Mortgage | C | 39 | 30 | 7.7% | 6.75% |
| 6 | Crosscountry Mortgage | B | 34 | 22 | 2.9% | 6.87% |
| 7 | Mortgage Research Center | C | 33 | 12 | 15.2% | 6.50% |
| 8 | Magnolia State Bank | – | 32 | 31 | 3.1% | — |
| 9 | Truist Bank | C | 29 | 14 | 37.9% | 6.99% |
| 10 | United Shore Financial Services | B | 28 | 18 | 14.3% | 6.50% |
| 11 | Loandepot.Com | D | 24 | 11 | 37.5% | 6.63% |
| 12 | Freedom Mortgage | B | 22 | 10 | 4.6% | 6.31% |
| 13 | Broker Solutions | D | 22 | 9 | 13.6% | 6.87% |
| 14 | Vanderbilt Mortgage and Finance | F | 22 | 3 | 54.6% | 10.99% |
| 15 | Pennymac Loan Services | C | 17 | 9 | 5.9% | 6.50% |
| 16 | Southeast Mortgage of Georgia | B | 17 | 15 | 5.9% | 6.88% |
| 17 | Lennar Mortgage | A | 16 | 10 | 25.0% | 4.99% |
| 18 | Navy Federal Credit Union | D | 15 | 9 | 13.3% | 7.25% |
| 19 | Fairway Independent Mortgage | B | 14 | 11 | 0.0% | 6.87% |
| 20 | Newrez | D | 12 | 3 | 33.3% | 7.13% |
| 21 | Ameris Bank | B | 11 | 6 | 9.1% | 7.12% |
| 22 | Nationstar Mortgage | C | 11 | 7 | 18.2% | 6.50% |
| 23 | Colony Bank | B | 11 | 9 | 0.0% | 6.13% |
| 24 | Champions Funding | F | 10 | 2 | 80.0% | 7.88% |
| 25 | AmeriSave Mortgage | D | 10 | 4 | 50.0% | 7.00% |
Best approval odds in Baldwin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Exchange Bank | 50 | 14.0% |
| 2 | Rocket Mortgage | 68 | 16.2% |
| 3 | Robins Financial | 63 | 22.2% |
What Baldwin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Baldwin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 996 | 516 | 24.1% | 6.75% | $155,000 |
| 2024 | 1,008 | 507 | 20.7% | 6.75% | $165,000 |
| 2025 | 1,086 | 596 | 20.1% | 6.63% | $185,000 |
Frequently asked questions
20.1% of applications in Baldwin County were denied in 2025, against 19.2% statewide in Georgia.
Rocket Mortgage, with 72 applications in 2025 and a denial rate of 15.3%.
The median mortgage application in Baldwin County in 2025 was for $185,000; the median property value on originated loans was $285,000.