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Henry County, Georgia · 2025

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

429 lenders acted on 13,732 mortgage applications for properties in Henry County in 2025. 22.5% were denied (Georgia: 19.2%). Median rate on closed loans 6.38%; median loan $265,000; median property value $355,000.

14kApplications
22.5%Denial ratestate 19.2%
6.38%Median ratestate 6.63%
$265,000Median loan
$355,000Median property value

Largest lenders in Henry County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 838564 21.4%6.63%
2 United Shore Financial Services B 709462 18.6%6.13%
3 Navy Federal Credit Union D 590227 27.6%8.50%
4 Broker Solutions D 569293 6.9%6.38%
5 Freedom Mortgage B 451194 7.5%6.25%
6 Mortgage Research Center C 397135 24.7%6.25%
7 Dhi Mortgage Company B 394224 24.9%4.99%
8 Guild Mortgage A 390259 5.9%5.88%
9 Pennymac Loan Services C 351148 15.4%6.13%
10 Delta Community Credit Union C 342165 32.8%7.00%
11 Loandepot.Com D 305156 30.8%6.38%
12 Newrez D 30080 26.3%6.25%
13 Truist Bank C 25886 52.3%6.90%
14 Ameris Bank B 245154 15.9%6.25%
15 Bank of America F 23471 49.6%6.00%
16 Crosscountry Mortgage B 210110 3.8%6.58%
17 AmeriSave Mortgage D 18046 59.4%7.25%
18 American Financing D 16125 58.4%6.25%
19 Georgia United D 15664 42.3%7.38%
20 Southeast Mortgage of Georgia B 14395 2.1%6.38%
21 Carrington Mortgage Services D 14342 48.3%6.31%
22 Village Capital & Investment C 13948 19.4%5.75%
23 Everett Financial C 13372 15.0%6.63%
24 New Day Financial F 13020 31.5%6.99%
25 Lakeview Loan Servicing C 12820 60.9%6.50%

Best approval odds in Henry County

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

#LenderDecidedDecision denial rate
1Southeast Mortgage of Georgia983.1%
2Fairway Independent Mortgage724.2%
3Lennar Mortgage844.8%
4Trailblazer Mortgage836.0%
5Crosscountry Mortgage1236.5%
6Coastal Community Bank547.4%
7Guild Mortgage3097.4%
8Zillow Home Loans637.9%
9American Pacific Mortgage598.5%
10Broker Solutions33711.6%

What Henry County borrowers applied for

By loan purpose

Home purchase 6,402 47% · 14.7% denied
Refinance 2,059 15% · 18.1% denied
Cash-out refinance 2,988 22% · 29.1% denied
Home improvement 985 7% · 40.7% denied
Other / HELOC 1,298 9% · 39.1% denied

By loan type

Conventional 6,975 51% · 26.7% denied
FHA 4,179 30% · 19.2% denied
VA 2,549 19% · 16.6% denied
USDA / RHS 29 0% · 13.8% denied

Why applications were denied

Debt-to-income ratio 1,018 33%
Credit history 911 30%
Incomplete application 413 13%
Collateral 295 10%
Other 217 7%
Unverifiable information 127 4%
Insufficient cash 75 2%
Employment history 28 1%
Mortgage insurance denied 1 0%

Henry County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202313,2046,15926.1%6.75%$255,000
202413,8606,66725.4%6.63%$255,000
202513,7326,64322.5%6.38%$265,000

Frequently asked questions

22.5% of applications in Henry County were denied in 2025, against 19.2% statewide in Georgia.

Rocket Mortgage, with 838 applications in 2025 and a denial rate of 21.4%.

The median mortgage application in Henry County in 2025 was for $265,000; the median property value on originated loans was $355,000.