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Floyd County, Georgia · 2025

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

281 lenders acted on 3,672 mortgage applications for properties in Floyd County in 2025. 18.5% were denied (Georgia: 19.2%). Median rate on closed loans 6.50%; median loan $185,000; median property value $275,000.

3.7kApplications
18.5%Denial ratestate 19.2%
6.50%Median ratestate 6.63%
$185,000Median loan
$275,000Median property value

Largest lenders in Floyd County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 283196 16.6%6.50%
2 United Community Bank B 228160 14.9%6.50%
3 Vanderbilt Mortgage and Finance F 21916 45.7%8.63%
4 United Shore Financial Services B 153102 13.1%6.13%
5 Regions Bank C 12760 45.7%6.75%
6 Truist Bank C 9948 30.3%7.09%
7 Dhi Mortgage Company B 8969 6.7%4.75%
8 Fairway Independent Mortgage B 8257 8.5%6.75%
9 Pennymac Loan Services C 7535 14.7%6.13%
10 Union Home Mortgage B 7459 2.7%6.63%
11 American Pacific Mortgage C 6849 1.5%6.63%
12 Everett Financial C 6045 6.7%6.56%
13 Mortgage Research Center C 6019 35.0%6.13%
14 Newrez D 5628 8.9%6.56%
15 Freedom Mortgage B 5522 9.1%6.25%
16 Kiavi Funding D 5441 5.6%10.20%
17 Crosscountry Mortgage B 5030 4.0%6.75%
18 Member First Mortgage D 4816 29.2%6.50%
19 21st Mortgage F 4713 44.7%9.24%
20 Broker Solutions D 4522 2.2%6.69%
21 Loandepot.Com D 4532 13.3%5.88%
22 Navy Federal Credit Union D 4518 24.4%6.75%
23 Synovus Bank D 4122 31.7%7.73%
24 Swbc Mortgage A 4121 4.9%6.56%
25 Triad Financial Services D 417 61.0%8.23%

Best approval odds in Floyd County

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

#LenderDecidedDecision denial rate
1American Pacific Mortgage502.0%
2Union Home Mortgage613.3%
3Dhi Mortgage Company758.0%
4Fairway Independent Mortgage6410.9%
5United Shore Financial Services12416.1%
6United Community Bank19917.1%
7Rocket Mortgage24918.9%
8Truist Bank8037.5%
9Regions Bank12247.5%
10Vanderbilt Mortgage and Finance11785.5%

What Floyd County borrowers applied for

By loan purpose

Home purchase 1,973 54% · 14.1% denied
Refinance 509 14% · 17.5% denied
Cash-out refinance 634 17% · 21.9% denied
Home improvement 269 7% · 34.2% denied
Other / HELOC 287 8% · 28.6% denied

By loan type

Conventional 2,465 67% · 21.1% denied
FHA 860 23% · 13.6% denied
VA 305 8% · 12.5% denied
USDA / RHS 42 1% · 9.5% denied

Why applications were denied

Credit history 205 30%
Debt-to-income ratio 188 28%
Collateral 84 12%
Incomplete application 81 12%
Unverifiable information 47 7%
Other 44 7%
Insufficient cash 20 3%
Employment history 4 1%

Floyd County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,1151,71321.4%6.88%$165,000
20243,3591,84821.1%6.75%$175,000
20253,6721,99618.5%6.50%$185,000

Frequently asked questions

18.5% of applications in Floyd County were denied in 2025, against 19.2% statewide in Georgia.

Rocket Mortgage, with 283 applications in 2025 and a denial rate of 16.6%.

The median mortgage application in Floyd County in 2025 was for $185,000; the median property value on originated loans was $275,000.