Find a better mortgage lender

Brooks County, Georgia · 2025

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

92 lenders acted on 417 mortgage applications for properties in Brooks County in 2025. 26.4% were denied (Georgia: 19.2%). Median rate on closed loans 6.50%; median loan $135,000; median property value $235,000.

417Applications
26.4%Denial ratestate 19.2%
6.50%Median ratestate 6.63%
$135,000Median loan
$235,000Median property value

Largest lenders in Brooks County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 518 56.9%11.01%
2 The Citizens National Bank of Quitman – 2421 4.2%—
3 Triad Financial Services D 230 56.5%—
4 Ameris Bank B 2115 14.3%6.44%
5 Rocket Mortgage C 2114 33.3%6.81%
6 Vanderbilt Mortgage and Finance F 181 38.9%8.41%
7 United Shore Financial Services B 1311 7.7%6.12%
8 Pennymac Loan Services C 124 16.7%7.75%
9 Citizens Community Bank – 108 20.0%—
10 Banksouth Mortgage Company A 87 0.0%5.88%
11 New Day Financial F 81 12.5%6.99%
12 Fairway Independent Mortgage B 86 0.0%6.69%
13 First Commerce Credit Union C 85 25.0%7.50%
14 Colony Bank B 88 0.0%7.38%
15 Credit Human Federal Credit Union D 71 85.7%8.00%
16 Mortgage Research Center C 74 14.3%6.25%
17 First Federal Savings and Loan Association of Valdosta A 77 0.0%—
18 Commercial Banking C 74 28.6%—
19 Thomasville National Bank A 66 0.0%—
20 AmeriSave Mortgage D 61 66.7%7.88%
21 Synovus Bank D 52 60.0%9.03%
22 Bank of America F 50 80.0%—
23 FirstBank C 50 60.0%—
24 Farmers & Merchants Bank A 55 0.0%—
25 Broker Solutions D 51 20.0%7.50%

What Brooks County borrowers applied for

By loan purpose

Home purchase 219 53% · 29.2% denied
Refinance 66 16% · 10.6% denied
Cash-out refinance 75 18% · 28.0% denied
Home improvement 25 6% · 56.0% denied
Other / HELOC 32 8% · 12.5% denied

By loan type

Conventional 293 70% · 31.1% denied
FHA 68 16% · 17.7% denied
VA 49 12% · 14.3% denied
USDA / RHS 7 2% · 0.0% denied

Why applications were denied

Credit history 47 44%
Debt-to-income ratio 32 30%
Collateral 10 9%
Incomplete application 9 8%
Unverifiable information 5 5%
Insufficient cash 3 3%
Other 2 2%

Brooks County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202339219329.9%7.13%$125,000
202446421529.1%6.81%$125,000
202541720926.4%6.50%$135,000

Frequently asked questions

26.4% of applications in Brooks County were denied in 2025, against 19.2% statewide in Georgia.

21st Mortgage, with 51 applications in 2025 and a denial rate of 56.9%.

The median mortgage application in Brooks County in 2025 was for $135,000; the median property value on originated loans was $235,000.