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Bartow County, Georgia · 2025

Mortgage lenders in Bartow County, GA: denial rates and top lenders (2025)

300 lenders acted on 5,414 mortgage applications for properties in Bartow County in 2025. 15.7% were denied (Georgia: 19.2%). Median rate on closed loans 6.50%; median loan $245,000; median property value $355,000.

5.4kApplications
15.7%Denial ratestate 19.2%
6.50%Median ratestate 6.63%
$245,000Median loan
$355,000Median property value

Largest lenders in Bartow County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 347252 16.1%6.69%
2 United Shore Financial Services B 268199 11.6%6.38%
3 Swbc Mortgage A 214166 3.3%6.13%
4 Movement Mortgage A 171152 1.8%6.50%
5 Family Savings Credit Union B 168124 16.1%8.00%
6 United Community Bank B 14097 21.4%6.50%
7 Pennymac Loan Services C 12863 9.4%6.50%
8 Truist Bank C 12368 29.3%6.50%
9 Banksouth Mortgage Company A 117104 0.9%6.43%
10 Dhi Mortgage Company B 11690 6.0%4.99%
11 Loandepot.Com D 11384 13.3%6.25%
12 Vanderbilt Mortgage and Finance F 11330 19.5%6.63%
13 Freedom Mortgage B 10948 11.9%6.25%
14 Fairway Independent Mortgage B 10181 1.0%6.63%
15 Ameris Bank B 9871 12.2%6.75%
16 Bank of America F 9229 42.4%6.38%
17 Crosscountry Mortgage B 9056 4.4%6.75%
18 Regions Bank C 8348 32.5%6.50%
19 AmeriSave Mortgage D 8326 57.8%8.19%
20 Everett Financial C 7556 10.7%6.88%
21 Newrez D 7519 20.0%6.63%
22 First Heritage Mortgage A 7465 1.4%6.13%
23 Navy Federal Credit Union D 7031 24.3%7.75%
24 Broker Solutions D 6815 10.3%6.75%
25 Mortgage Research Center C 6123 26.2%6.13%

Best approval odds in Bartow County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Banksouth Mortgage Company1051.0%
2Fairway Independent Mortgage821.2%
3First Heritage Mortgage671.5%
4Movement Mortgage1641.8%
5Swbc Mortgage1783.9%
6Crosscountry Mortgage606.7%
7Dhi Mortgage Company977.2%
8Everett Financial6512.3%
9United Shore Financial Services23513.2%
10Nationstar Mortgage5014.0%

What Bartow County borrowers applied for

By loan purpose

Home purchase 2,591 48% · 8.1% denied
Refinance 724 13% · 15.5% denied
Cash-out refinance 1,044 19% · 21.9% denied
Home improvement 415 8% · 29.6% denied
Other / HELOC 640 12% · 27.2% denied

By loan type

Conventional 3,601 67% · 16.7% denied
FHA 1,238 23% · 13.9% denied
VA 501 9% · 13.2% denied
USDA / RHS 74 1% · 10.8% denied

Why applications were denied

Debt-to-income ratio 248 30%
Credit history 218 26%
Incomplete application 142 17%
Collateral 104 12%
Other 50 6%
Unverifiable information 47 6%
Insufficient cash 21 3%
Employment history 6 1%

Bartow County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,6062,68018.3%6.75%$215,000
20245,0793,15616.6%6.75%$235,000
20255,4143,29515.7%6.50%$245,000

Frequently asked questions

15.7% of applications in Bartow County were denied in 2025, against 19.2% statewide in Georgia.

Rocket Mortgage, with 347 applications in 2025 and a denial rate of 16.1%.

The median mortgage application in Bartow County in 2025 was for $245,000; the median property value on originated loans was $355,000.