Largest lenders in Dougherty County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 106 | 79 | 11.3% | 6.25% |
| 2 | Navy Federal Credit Union | D | 103 | 33 | 32.0% | 7.75% |
| 3 | Rocket Mortgage | C | 100 | 60 | 29.0% | 6.56% |
| 4 | Georgia Community Bank | A | 98 | 98 | 0.0% | — |
| 5 | Mortgage Research Center | C | 80 | 39 | 26.3% | 6.50% |
| 6 | Flint Community Bank | A | 79 | 72 | 0.0% | — |
| 7 | Renasant Bank | B | 72 | 59 | 6.9% | 7.50% |
| 8 | Ameris Bank | B | 70 | 43 | 15.7% | 6.75% |
| 9 | Georgia'S Own | F | 68 | 14 | 54.4% | 7.25% |
| 10 | Pennymac Loan Services | C | 65 | 41 | 3.1% | 6.38% |
| 11 | Colony Bank | B | 65 | 48 | 3.1% | 6.63% |
| 12 | Synovus Bank | D | 63 | 31 | 25.4% | 6.38% |
| 13 | Broker Solutions | D | 57 | 13 | 12.3% | 6.93% |
| 14 | 21st Mortgage | F | 49 | 3 | 63.3% | 10.71% |
| 15 | Truist Bank | C | 46 | 15 | 52.2% | 6.99% |
| 16 | AmeriSave Mortgage | D | 43 | 11 | 58.1% | 8.50% |
| 17 | Regions Bank | C | 42 | 13 | 59.5% | 6.63% |
| 18 | New Day Financial | F | 42 | 6 | 26.2% | 6.93% |
| 19 | Freedom Mortgage | B | 39 | 16 | 18.0% | 6.25% |
| 20 | Loandepot.Com | D | 34 | 17 | 35.3% | 6.50% |
| 21 | Newrez | D | 32 | 13 | 31.3% | 6.25% |
| 22 | First State Bank of Blakely | A | 26 | 26 | 0.0% | — |
| 23 | Nationstar Mortgage | C | 25 | 16 | 16.0% | 7.75% |
| 24 | Wells Fargo Bank | B | 21 | 6 | 33.3% | 6.25% |
| 25 | Carrington Mortgage Services | D | 20 | 5 | 50.0% | 6.25% |
Best approval odds in Dougherty County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Flint Community Bank | 74 | 0.0% |
| 2 | Georgia Community Bank | 98 | 0.0% |
| 3 | Colony Bank | 50 | 4.0% |
| 4 | Renasant Bank | 65 | 7.7% |
| 5 | United Shore Financial Services | 91 | 13.2% |
| 6 | Ameris Bank | 56 | 19.6% |
| 7 | Rocket Mortgage | 91 | 31.9% |
| 8 | Synovus Bank | 50 | 32.0% |
| 9 | Mortgage Research Center | 62 | 33.9% |
| 10 | Navy Federal Credit Union | 68 | 48.5% |
What Dougherty County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Dougherty County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,899 | 933 | 25.2% | 6.99% | $115,000 |
| 2024 | 1,930 | 1,038 | 24.1% | 6.88% | $125,000 |
| 2025 | 2,123 | 1,089 | 22.5% | 6.63% | $125,000 |
Frequently asked questions
22.5% of applications in Dougherty County were denied in 2025, against 19.2% statewide in Georgia.
United Shore Financial Services, with 106 applications in 2025 and a denial rate of 11.3%.
The median mortgage application in Dougherty County in 2025 was for $125,000; the median property value on originated loans was $195,000.