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Hall County, Georgia · 2025

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

385 lenders acted on 8,374 mortgage applications for properties in Hall County in 2025. 17.5% were denied (Georgia: 19.2%). Median rate on closed loans 6.50%; median loan $275,000; median property value $425,000.

8.4kApplications
17.5%Denial ratestate 19.2%
6.50%Median ratestate 6.63%
$275,000Median loan
$425,000Median property value

Largest lenders in Hall County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 551414 14.3%6.75%
2 United Shore Financial Services B 528386 12.1%6.50%
3 Regions Bank C 301146 31.2%5.88%
4 Truist Bank C 244111 40.2%6.63%
5 United Community Bank B 232177 15.1%6.50%
6 Loandepot.Com D 226123 30.1%5.88%
7 Pennymac Loan Services C 220109 18.2%6.50%
8 Bank of America F 17976 27.4%6.38%
9 Ameris Bank B 173125 11.6%6.49%
10 American Pacific Mortgage C 157121 7.0%6.38%
11 Newrez D 15651 22.4%6.50%
12 Freedom Mortgage B 14956 10.7%6.25%
13 Pulte Mortgage A 148101 17.6%5.99%
14 Navy Federal Credit Union D 13958 23.7%7.75%
15 Vanderbilt Mortgage and Finance F 13893 10.9%5.49%
16 Fairway Independent Mortgage B 13196 3.1%6.63%
17 Crosscountry Mortgage B 12875 3.1%6.63%
18 Broker Solutions D 11740 12.0%6.47%
19 Delta Community Credit Union C 10151 30.7%6.88%
20 Mortgage Research Center C 9226 26.1%6.25%
21 Figure Lending C 9149 19.8%8.80%
22 Everett Financial C 8861 10.2%6.63%
23 Nationstar Mortgage C 8759 10.3%8.25%
24 Dhi Mortgage Company B 8663 12.8%3.99%
25 AmeriSave Mortgage D 8534 47.1%8.69%

Best approval odds in Hall County

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

#LenderDecidedDecision denial rate
1Homeowners Financial Group USA570.0%
2Fairway Independent Mortgage1014.0%
3Crosscountry Mortgage814.9%
4Inspire Home Loans746.8%
5American Pacific Mortgage1328.3%
6Everett Financial7012.9%
7Nationstar Mortgage6913.0%
8Vanderbilt Mortgage and Finance11013.6%
9Ameris Bank14513.8%
10United Shore Financial Services46013.9%

What Hall County borrowers applied for

By loan purpose

Home purchase 3,771 45% · 9.8% denied
Refinance 1,183 14% · 18.1% denied
Cash-out refinance 1,655 20% · 19.9% denied
Home improvement 790 9% · 32.3% denied
Other / HELOC 975 12% · 30.5% denied

By loan type

Conventional 6,189 74% · 18.0% denied
FHA 1,600 19% · 16.3% denied
VA 574 7% · 16.4% denied
USDA / RHS 11 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 548 38%
Credit history 292 20%
Incomplete application 211 15%
Collateral 178 12%
Other 92 6%
Unverifiable information 70 5%
Insufficient cash 53 4%
Employment history 11 1%

Hall County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20237,5344,26320.9%6.88%$235,000
20247,6894,34020.7%6.88%$245,000
20258,3744,85917.5%6.50%$275,000

Frequently asked questions

17.5% of applications in Hall County were denied in 2025, against 19.2% statewide in Georgia.

Rocket Mortgage, with 551 applications in 2025 and a denial rate of 14.3%.

The median mortgage application in Hall County in 2025 was for $275,000; the median property value on originated loans was $425,000.