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Gwinnett County, Georgia · 2025

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

598 lenders acted on 36,910 mortgage applications for properties in Gwinnett County in 2025. 20.4% were denied (Georgia: 19.2%). Median rate on closed loans 6.63%; median loan $285,000; median property value $435,000.

37kApplications
20.4%Denial ratestate 19.2%
6.63%Median ratestate 6.63%
$285,000Median loan
$435,000Median property value

Largest lenders in Gwinnett County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 2,6261,870 18.2%6.75%
2 United Shore Financial Services B 2,5351,852 13.3%6.49%
3 Bank of America F 1,101340 41.9%6.24%
4 Navy Federal Credit Union D 1,059416 29.2%8.50%
5 Truist Bank C 997362 44.4%6.49%
6 Pennymac Loan Services C 853430 13.0%6.50%
7 Ameris Bank B 778536 10.7%6.49%
8 Freedom Mortgage B 752298 8.8%6.25%
9 Loandepot.Com D 729474 18.9%5.99%
10 Newrez D 728217 23.6%6.88%
11 Broker Solutions D 694218 11.0%6.63%
12 Delta Community Credit Union C 573243 37.5%6.75%
13 Crosscountry Mortgage B 565338 10.6%6.75%
14 Georgia'S Own F 525169 31.2%7.25%
15 Spring Eq D 507138 54.6%9.14%
16 Discover Bank F 41460 56.3%8.65%
17 Figure Lending C 413191 29.1%8.95%
18 JPMorgan Chase Bank B 408232 11.8%6.38%
19 AmeriSave Mortgage D 40294 65.7%8.00%
20 PNC Bank D 400169 35.3%7.74%
21 First Option Mortgage C 382276 2.6%7.00%
22 Everett Financial C 381249 6.3%6.63%
23 Regions Bank C 375141 43.7%5.75%
24 AMWEST Funding C 359232 4.2%6.88%
25 Associated Credit Union C 354250 13.8%7.50%

Best approval odds in Gwinnett County

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

#LenderDecidedDecision denial rate
1Nmsi650.0%
2New Wave Lending Group880.0%
3General Mortgage Capital961.0%
4BoxCar Mortgage571.8%
5Onward Home Mortgage832.4%
6Coastal Community Bank2293.1%
7First Option Mortgage3193.1%
8Banksouth Mortgage Company943.2%
9Mortgage Assurance543.7%
10Movement Mortgage754.0%

What Gwinnett County borrowers applied for

By loan purpose

Home purchase 15,791 43% · 10.3% denied
Refinance 5,028 14% · 18.2% denied
Cash-out refinance 7,570 21% · 23.7% denied
Home improvement 3,681 10% · 38.4% denied
Other / HELOC 4,840 13% · 36.8% denied

By loan type

Conventional 28,074 76% · 21.1% denied
FHA 6,580 18% · 18.7% denied
VA 2,254 6% · 16.1% denied
USDA / RHS 2 0% · 50.0% denied

Why applications were denied

Debt-to-income ratio 2,948 39%
Credit history 1,649 22%
Incomplete application 1,106 15%
Collateral 708 9%
Other 566 8%
Unverifiable information 280 4%
Insufficient cash 182 2%
Employment history 69 1%
Mortgage insurance denied 2 0%

Gwinnett County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202334,23617,41223.4%6.88%$265,000
202436,28919,05422.2%6.88%$285,000
202536,91019,52620.4%6.63%$285,000

Frequently asked questions

20.4% of applications in Gwinnett County were denied in 2025, against 19.2% statewide in Georgia.

Rocket Mortgage, with 2,626 applications in 2025 and a denial rate of 18.2%.

The median mortgage application in Gwinnett County in 2025 was for $285,000; the median property value on originated loans was $435,000.