Largest lenders in DeKalb County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 1,711 | 1,167 | 21.0% | 6.63% |
| 2 | United Shore Financial Services | B | 1,442 | 958 | 18.9% | 6.45% |
| 3 | Truist Bank | C | 957 | 433 | 38.1% | 6.37% |
| 4 | Bank of America | F | 839 | 325 | 37.4% | 6.24% |
| 5 | Ameris Bank | B | 837 | 595 | 6.3% | 6.50% |
| 6 | Navy Federal Credit Union | D | 825 | 304 | 30.4% | 7.95% |
| 7 | Newrez | D | 616 | 157 | 27.0% | 6.63% |
| 8 | Pennymac Loan Services | C | 535 | 247 | 17.6% | 6.38% |
| 9 | Georgia United | D | 521 | 258 | 38.2% | 7.50% |
| 10 | Broker Solutions | D | 516 | 171 | 10.7% | 6.75% |
| 11 | Delta Community Credit Union | C | 486 | 240 | 24.3% | 6.75% |
| 12 | BoxCar Mortgage | A | 444 | 363 | 0.7% | 6.49% |
| 13 | JPMorgan Chase Bank | B | 440 | 267 | 9.6% | 6.38% |
| 14 | Freedom Mortgage | B | 427 | 169 | 10.8% | 6.25% |
| 15 | Everett Financial | C | 374 | 214 | 12.3% | 6.75% |
| 16 | Loandepot.Com | D | 361 | 168 | 28.0% | 6.99% |
| 17 | AmeriSave Mortgage | D | 359 | 70 | 70.8% | 8.06% |
| 18 | American Financing | D | 342 | 61 | 57.6% | 5.88% |
| 19 | Georgia'S Own | F | 338 | 119 | 31.7% | 7.25% |
| 20 | Mortgage Research Center | C | 333 | 119 | 22.2% | 6.25% |
| 21 | Crosscountry Mortgage | B | 324 | 176 | 5.3% | 6.58% |
| 22 | Fairway Independent Mortgage | B | 308 | 217 | 4.9% | 6.75% |
| 23 | Spring Eq | D | 306 | 77 | 52.9% | 9.80% |
| 24 | Wells Fargo Bank | B | 301 | 136 | 21.6% | 6.38% |
| 25 | Kiavi Funding | D | 265 | 159 | 10.2% | 10.74% |
Best approval odds in DeKalb County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Easy Street Capital | 50 | 0.0% |
| 2 | First Federal Bank | 54 | 0.0% |
| 3 | Atlantic Bay Mortgage Group | 79 | 0.0% |
| 4 | Coastal Community Bank | 118 | 0.0% |
| 5 | BoxCar Mortgage | 380 | 0.8% |
| 6 | First Option Mortgage | 129 | 3.1% |
| 7 | Southeast Mortgage of Georgia | 114 | 3.5% |
| 8 | Paramount Residential Mortgage Group | 77 | 3.9% |
| 9 | Banksouth Mortgage Company | 127 | 3.9% |
| 10 | Canopy Mortgage | 102 | 5.9% |
What DeKalb County borrowers applied for
By loan purpose
By loan type
Why applications were denied
DeKalb County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 26,019 | 12,947 | 22.8% | 6.88% | $225,000 |
| 2024 | 26,651 | 13,669 | 22.3% | 6.85% | $235,000 |
| 2025 | 28,264 | 14,507 | 20.5% | 6.63% | $235,000 |
Frequently asked questions
20.5% of applications in DeKalb County were denied in 2025, against 19.2% statewide in Georgia.
Rocket Mortgage, with 1,711 applications in 2025 and a denial rate of 21.0%.
The median mortgage application in DeKalb County in 2025 was for $235,000; the median property value on originated loans was $385,000.