Largest lenders in Houston County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Robins Financial | B | 825 | 591 | 21.3% | 6.13% |
| 2 | Rocket Mortgage | C | 547 | 400 | 17.4% | 6.49% |
| 3 | Mortgage Research Center | C | 429 | 201 | 17.0% | 6.25% |
| 4 | United Shore Financial Services | B | 401 | 284 | 12.0% | 6.00% |
| 5 | Guild Mortgage | A | 396 | 293 | 2.8% | 6.38% |
| 6 | Broker Solutions | D | 382 | 224 | 2.9% | 6.50% |
| 7 | Navy Federal Credit Union | D | 244 | 119 | 18.0% | 6.75% |
| 8 | Synovus Bank | D | 229 | 169 | 8.3% | 6.25% |
| 9 | Pennymac Loan Services | C | 221 | 108 | 11.3% | 6.00% |
| 10 | Freedom Mortgage | B | 207 | 91 | 9.7% | 6.13% |
| 11 | Crosscountry Mortgage | B | 121 | 85 | 3.3% | 6.24% |
| 12 | Colony Bank | B | 118 | 102 | 3.4% | 6.49% |
| 13 | New Day Financial | F | 112 | 23 | 26.8% | 6.99% |
| 14 | Newrez | D | 106 | 38 | 11.3% | 6.25% |
| 15 | AmeriSave Mortgage | D | 92 | 29 | 48.9% | 8.38% |
| 16 | Loandepot.Com | D | 91 | 44 | 27.5% | 7.12% |
| 17 | Truist Bank | C | 86 | 41 | 33.7% | 6.49% |
| 18 | Lennar Mortgage | A | 85 | 58 | 23.5% | 4.75% |
| 19 | Fairway Independent Mortgage | B | 83 | 59 | 6.0% | 6.63% |
| 20 | Canopy Mortgage | B | 81 | 56 | 2.5% | 6.25% |
| 21 | SunMark Community Bank | B | 77 | 70 | 1.3% | — |
| 22 | Bank of America | F | 75 | 29 | 41.3% | 6.00% |
| 23 | Guaranteed Rate | B | 75 | 45 | 4.0% | 6.25% |
| 24 | Alcova Mortgage | A | 72 | 55 | 2.8% | 6.75% |
| 25 | Cadence Bank | B | 70 | 35 | 27.1% | 6.50% |
Best approval odds in Houston County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | SunMark Community Bank | 73 | 1.4% |
| 2 | Alcova Mortgage | 64 | 3.1% |
| 3 | Guild Mortgage | 323 | 3.4% |
| 4 | Canopy Mortgage | 58 | 3.5% |
| 5 | Colony Bank | 106 | 3.8% |
| 6 | Crosscountry Mortgage | 91 | 4.4% |
| 7 | Broker Solutions | 238 | 4.6% |
| 8 | Fairway Independent Mortgage | 65 | 7.7% |
| 9 | Synovus Bank | 192 | 9.9% |
| 10 | United Shore Financial Services | 345 | 13.9% |
What Houston County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Houston County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 6,789 | 3,850 | 19.1% | 6.75% | $185,000 |
| 2024 | 7,448 | 4,509 | 16.5% | 6.50% | $205,000 |
| 2025 | 7,990 | 4,753 | 15.1% | 6.38% | $215,000 |
Frequently asked questions
15.1% of applications in Houston County were denied in 2025, against 19.2% statewide in Georgia.
Robins Financial, with 825 applications in 2025 and a denial rate of 21.3%.
The median mortgage application in Houston County in 2025 was for $215,000; the median property value on originated loans was $285,000.