Largest lenders in Columbia County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 460 | 349 | 13.3% | 6.50% |
| 2 | Navy Federal Credit Union | D | 453 | 215 | 20.1% | 7.65% |
| 3 | Mortgage Research Center | C | 402 | 199 | 15.9% | 6.25% |
| 4 | United Shore Financial Services | B | 368 | 288 | 9.0% | 6.05% |
| 5 | SouthState Bank | B | 302 | 232 | 7.6% | 6.38% |
| 6 | Guild Mortgage | A | 275 | 204 | 2.9% | 6.38% |
| 7 | Freedom Mortgage | B | 262 | 123 | 6.1% | 5.88% |
| 8 | SRP Federal Credit Union | C | 196 | 128 | 17.4% | 6.38% |
| 9 | Pennymac Loan Services | C | 195 | 98 | 7.7% | 6.25% |
| 10 | Pinnacle Bank | C | 184 | 145 | 6.5% | — |
| 11 | Regions Bank | C | 182 | 88 | 33.5% | 4.99% |
| 12 | Queensborough National Bank & Trust | B | 181 | 148 | 3.3% | 6.25% |
| 13 | Movement Mortgage | A | 161 | 122 | 2.5% | 6.25% |
| 14 | Broker Solutions | D | 148 | 66 | 7.4% | 6.99% |
| 15 | Bank of America | F | 144 | 60 | 37.5% | 6.06% |
| 16 | Dhi Mortgage Company | B | 135 | 93 | 9.6% | 5.50% |
| 17 | Crosscountry Mortgage | B | 129 | 84 | 1.6% | 6.58% |
| 18 | Newrez | D | 125 | 42 | 19.2% | 6.50% |
| 19 | First Heritage Mortgage | A | 119 | 104 | 4.2% | 5.13% |
| 20 | Truist Bank | C | 116 | 52 | 41.4% | 6.84% |
| 21 | Ameris Bank | B | 106 | 81 | 5.7% | 6.38% |
| 22 | Colony Bank | B | 96 | 83 | 1.0% | 6.38% |
| 23 | New Day Financial | F | 82 | 18 | 8.5% | 6.99% |
| 24 | Vanderbilt Mortgage and Finance | F | 80 | 27 | 17.5% | 6.38% |
| 25 | Village Capital & Investment | C | 78 | 24 | 16.7% | 5.75% |
Best approval odds in Columbia County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Colony Bank | 85 | 1.2% |
| 2 | Crosscountry Mortgage | 89 | 2.3% |
| 3 | Movement Mortgage | 142 | 2.8% |
| 4 | Guild Mortgage | 224 | 3.6% |
| 5 | Queensborough National Bank & Trust | 158 | 3.8% |
| 6 | First Heritage Mortgage | 109 | 4.6% |
| 7 | Ameris Bank | 87 | 6.9% |
| 8 | Pinnacle Bank | 158 | 7.6% |
| 9 | SouthState Bank | 258 | 8.9% |
| 10 | Freedom Mortgage | 168 | 9.5% |
What Columbia County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Columbia County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 6,653 | 3,940 | 17.2% | 6.63% | $235,000 |
| 2024 | 7,151 | 4,234 | 15.8% | 6.50% | $255,000 |
| 2025 | 7,726 | 4,588 | 14.2% | 6.38% | $255,000 |
Frequently asked questions
14.2% of applications in Columbia County were denied in 2025, against 19.2% statewide in Georgia.
Rocket Mortgage, with 460 applications in 2025 and a denial rate of 13.3%.
The median mortgage application in Columbia County in 2025 was for $255,000; the median property value on originated loans was $355,000.