Largest lenders in Decatur County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Port City Bank | B | 62 | 54 | 6.5% | — |
| 2 | 21st Mortgage | F | 61 | 7 | 47.5% | 9.54% |
| 3 | Rocket Mortgage | C | 46 | 32 | 19.6% | 6.43% |
| 4 | American Pacific Mortgage | C | 45 | 39 | 6.7% | 6.50% |
| 5 | Towne Mortgage | B | 37 | 32 | 2.7% | 5.99% |
| 6 | Dhi Mortgage Company | B | 36 | 15 | 44.4% | 4.99% |
| 7 | First State Bank of Blakely | A | 25 | 25 | 0.0% | — |
| 8 | First National Bank of Decatur County | – | 24 | 23 | 4.2% | — |
| 9 | Vanderbilt Mortgage and Finance | F | 22 | 1 | 45.5% | 9.75% |
| 10 | Five Star Credit Union | D | 20 | 9 | 25.0% | — |
| 11 | Mortgage Research Center | C | 19 | 8 | 42.1% | 5.81% |
| 12 | Regions Bank | C | 17 | 8 | 41.2% | 7.69% |
| 13 | AmeriSave Mortgage | D | 16 | 3 | 62.5% | 7.13% |
| 14 | Acopia | A | 15 | 13 | 0.0% | 6.00% |
| 15 | Pennymac Loan Services | C | 14 | 6 | 28.6% | 7.49% |
| 16 | Freedom Mortgage | B | 13 | 7 | 0.0% | 6.25% |
| 17 | Broker Solutions | D | 12 | 3 | 0.0% | 7.25% |
| 18 | Bank OZK | C | 11 | 4 | 63.6% | 5.99% |
| 19 | Navy Federal Credit Union | D | 11 | 6 | 18.2% | 8.45% |
| 20 | United Shore Financial Services | B | 10 | 6 | 30.0% | 5.94% |
| 21 | Loandepot.Com | D | 10 | 5 | 20.0% | 6.99% |
| 22 | PeoplesSouth Bank | A | 9 | 8 | 11.1% | 7.25% |
| 23 | New Day Financial | F | 8 | 3 | 12.5% | 7.25% |
| 24 | Spring Eq | D | 8 | 2 | 37.5% | 9.56% |
| 25 | Addition Financial | D | 8 | 6 | 25.0% | 6.99% |
Best approval odds in Decatur County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Port City Bank | 60 | 6.7% |
What Decatur County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Decatur County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 645 | 282 | 34.4% | 6.75% | $145,000 |
| 2024 | 691 | 360 | 28.2% | 6.63% | $155,000 |
| 2025 | 789 | 409 | 24.8% | 6.49% | $155,000 |
Frequently asked questions
24.8% of applications in Decatur County were denied in 2025, against 19.2% statewide in Georgia.
First Port City Bank, with 62 applications in 2025 and a denial rate of 6.5%.
The median mortgage application in Decatur County in 2025 was for $155,000; the median property value on originated loans was $225,000.