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Chatham County, Georgia · 2025

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

464 lenders acted on 13,034 mortgage applications for properties in Chatham County in 2025. 17.6% were denied (Georgia: 19.2%). Median rate on closed loans 6.50%; median loan $260,000; median property value $375,000.

13kApplications
17.6%Denial ratestate 19.2%
6.50%Median ratestate 6.63%
$260,000Median loan
$375,000Median property value

Largest lenders in Chatham County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 729531 18.7%6.63%
2 Broker Solutions D 708431 6.2%6.75%
3 United Shore Financial Services B 652487 8.3%6.13%
4 Navy Federal Credit Union D 461180 27.8%7.75%
5 Mortgage Research Center C 422196 15.6%6.25%
6 Dhi Mortgage Company B 417241 26.1%4.50%
7 Truist Bank C 411173 41.1%6.49%
8 Pennymac Loan Services C 410240 10.5%6.50%
9 Bank of America F 367147 31.6%6.38%
10 Lennar Mortgage A 266167 11.3%6.13%
11 Freedom Mortgage B 245108 11.8%6.13%
12 Guild Mortgage A 239161 7.1%6.50%
13 Newrez D 22779 17.2%6.25%
14 SouthState Bank B 212160 14.6%6.50%
15 Movement Mortgage A 209134 4.3%6.50%
16 Ameris Bank B 189109 20.6%6.81%
17 Unnamed lender 254900IGPKT07NB45N35 A 189128 1.6%5.49%
18 AmeriSave Mortgage D 16640 63.3%7.50%
19 JPMorgan Chase Bank B 15495 13.0%6.49%
20 Loandepot.Com D 15076 32.0%6.99%
21 Spring Eq D 13435 51.5%9.40%
22 Wells Fargo Bank B 12149 19.0%6.25%
23 Synovus Bank D 12179 19.0%7.50%
24 Banksouth Mortgage Company A 11382 8.0%6.25%
25 Nationstar Mortgage C 11170 14.4%7.43%

Best approval odds in Chatham County

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

#LenderDecidedDecision denial rate
1First Continental Mortgage521.9%
2Unnamed lender 254900IGPKT07NB45N351312.3%
3Workmen's Circle Credit Union872.3%
4Colony Bank504.0%
5Movement Mortgage1775.1%
6Swbc Mortgage585.2%
7Coastal Community Bank618.2%
8Plains Commerce Bank718.5%
9Guild Mortgage1968.7%
10NexBank688.8%

What Chatham County borrowers applied for

By loan purpose

Home purchase 6,053 46% · 9.2% denied
Refinance 1,863 14% · 14.2% denied
Cash-out refinance 2,618 20% · 23.6% denied
Home improvement 1,166 9% · 33.5% denied
Other / HELOC 1,334 10% · 34.5% denied

By loan type

Conventional 8,575 66% · 19.0% denied
FHA 2,191 17% · 18.7% denied
VA 2,252 17% · 11.1% denied
USDA / RHS 16 0% · 18.8% denied

Why applications were denied

Debt-to-income ratio 726 32%
Credit history 546 24%
Incomplete application 367 16%
Collateral 260 11%
Other 197 9%
Unverifiable information 103 5%
Insufficient cash 60 3%
Employment history 18 1%

Chatham County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202310,9556,07219.7%6.75%$235,000
202411,8996,62719.1%6.75%$245,000
202513,0347,30617.6%6.50%$260,000

Frequently asked questions

17.6% of applications in Chatham County were denied in 2025, against 19.2% statewide in Georgia.

Rocket Mortgage, with 729 applications in 2025 and a denial rate of 18.7%.

The median mortgage application in Chatham County in 2025 was for $260,000; the median property value on originated loans was $375,000.