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Douglas County, Georgia · 2025

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

357 lenders acted on 7,060 mortgage applications for properties in Douglas County in 2025. 23.2% were denied (Georgia: 19.2%). Median rate on closed loans 6.50%; median loan $245,000; median property value $335,000.

7.1kApplications
23.2%Denial ratestate 19.2%
6.50%Median ratestate 6.63%
$245,000Median loan
$335,000Median property value

Largest lenders in Douglas County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 568394 19.4%6.75%
2 United Shore Financial Services B 380265 15.5%6.13%
3 Navy Federal Credit Union D 289111 30.8%8.75%
4 Freedom Mortgage B 21793 11.5%6.25%
5 Pennymac Loan Services C 17385 8.7%6.50%
6 Trailblazer Mortgage B 16388 4.9%4.99%
7 Loandepot.Com D 15572 34.2%6.60%
8 Regions Bank C 15260 48.0%6.75%
9 Newrez D 15049 22.7%6.25%
10 Broker Solutions D 13847 15.2%6.56%
11 Bank of America F 13742 43.8%6.49%
12 Mortgage Research Center C 13653 22.8%6.50%
13 Truist Bank C 11537 51.3%6.49%
14 Crosscountry Mortgage B 11362 7.1%6.60%
15 AmeriSave Mortgage D 11124 60.4%7.19%
16 Ameris Bank B 11075 6.4%6.38%
17 Delta Community Credit Union C 9539 43.2%7.25%
18 21st Mortgage F 957 68.4%12.38%
19 American Financing D 9319 58.1%5.75%
20 Carrington Mortgage Services D 9120 47.3%6.63%
21 Georgia'S Own F 8525 30.6%7.25%
22 Nationstar Mortgage C 8353 15.7%8.25%
23 Everett Financial C 8152 14.8%6.63%
24 Spring Eq D 8124 49.4%9.19%
25 Lakeview Loan Servicing C 809 57.5%7.75%

Best approval odds in Douglas County

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

#LenderDecidedDecision denial rate
1American Pacific Mortgage508.0%
2Trailblazer Mortgage968.3%
3Ameris Bank828.5%
4Crosscountry Mortgage7111.3%
5Pennymac Loan Services10514.3%
6United Shore Financial Services33017.9%
7Freedom Mortgage13918.0%
8Everett Financial6418.8%
9Nationstar Mortgage6819.1%
10Rocket Mortgage52221.1%

What Douglas County borrowers applied for

By loan purpose

Home purchase 3,073 44% · 13.3% denied
Refinance 999 14% · 21.6% denied
Cash-out refinance 1,659 23% · 28.6% denied
Home improvement 581 8% · 42.3% denied
Other / HELOC 748 11% · 39.0% denied

By loan type

Conventional 3,851 55% · 26.8% denied
FHA 2,233 32% · 19.6% denied
VA 966 14% · 17.0% denied
USDA / RHS 10 0% · 50.0% denied

Why applications were denied

Debt-to-income ratio 496 30%
Credit history 473 29%
Incomplete application 208 13%
Collateral 184 11%
Other 149 9%
Unverifiable information 64 4%
Insufficient cash 45 3%
Employment history 16 1%

Douglas County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,3772,94626.9%6.88%$215,000
20246,8553,43524.3%6.63%$245,000
20257,0603,40223.2%6.50%$245,000

Frequently asked questions

23.2% of applications in Douglas County were denied in 2025, against 19.2% statewide in Georgia.

Rocket Mortgage, with 568 applications in 2025 and a denial rate of 19.4%.

The median mortgage application in Douglas County in 2025 was for $245,000; the median property value on originated loans was $335,000.