Largest lenders in Liberty County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Mortgage Research Center | C | 444 | 252 | 16.9% | 6.44% |
| 2 | United Shore Financial Services | B | 302 | 215 | 9.6% | 6.12% |
| 3 | Navy Federal Credit Union | D | 262 | 101 | 23.3% | 6.25% |
| 4 | Rocket Mortgage | C | 199 | 144 | 17.6% | 6.25% |
| 5 | Vanderbilt Mortgage and Finance | F | 198 | 86 | 17.7% | 5.99% |
| 6 | Freedom Mortgage | B | 181 | 85 | 8.3% | 6.13% |
| 7 | Broker Solutions | D | 151 | 101 | 4.0% | 6.50% |
| 8 | Pennymac Loan Services | C | 144 | 72 | 11.1% | 6.00% |
| 9 | Guild Mortgage | A | 117 | 95 | 2.6% | 6.25% |
| 10 | Newrez | D | 85 | 34 | 12.9% | 6.25% |
| 11 | 21st Mortgage | F | 76 | 13 | 43.4% | 9.59% |
| 12 | New Day Financial | F | 65 | 21 | 12.3% | 6.87% |
| 13 | Village Capital & Investment | C | 51 | 24 | 7.8% | 5.75% |
| 14 | LoanUnited.com | C | 50 | 27 | 2.0% | 6.13% |
| 15 | Planet Home Lending | B | 48 | 32 | 16.7% | 6.13% |
| 16 | Glennville Bank | C | 46 | 39 | 8.7% | — |
| 17 | Carrington Mortgage Services | D | 45 | 12 | 64.4% | 6.25% |
| 18 | Lakeview Loan Servicing | C | 44 | 10 | 61.4% | 6.12% |
| 19 | Loandepot.Com | D | 44 | 21 | 31.8% | 6.88% |
| 20 | Movement Mortgage | A | 43 | 33 | 2.3% | 6.50% |
| 21 | Ameris Bank | B | 41 | 25 | 17.1% | 7.50% |
| 22 | Fairway Independent Mortgage | B | 36 | 17 | 19.4% | 6.19% |
| 23 | Equity Prime Mortgage | D | 36 | 20 | 5.6% | 6.44% |
| 24 | Mortgage Solutions of Colorado | C | 35 | 24 | 0.0% | 7.50% |
| 25 | AmeriSave Mortgage | D | 33 | 8 | 57.6% | 8.06% |
Best approval odds in Liberty County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 101 | 3.0% |
| 2 | Broker Solutions | 107 | 5.6% |
| 3 | United Shore Financial Services | 255 | 11.4% |
| 4 | Freedom Mortgage | 115 | 13.0% |
| 5 | Pennymac Loan Services | 96 | 16.7% |
| 6 | Rocket Mortgage | 185 | 18.9% |
| 7 | Mortgage Research Center | 332 | 22.6% |
| 8 | Vanderbilt Mortgage and Finance | 124 | 28.2% |
| 9 | Navy Federal Credit Union | 162 | 37.7% |
| 10 | 21st Mortgage | 50 | 66.0% |
What Liberty County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Liberty County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,201 | 1,778 | 18.1% | 6.75% | $215,000 |
| 2024 | 3,773 | 2,055 | 16.4% | 6.50% | $235,000 |
| 2025 | 3,879 | 2,084 | 16.9% | 6.25% | $235,000 |
Frequently asked questions
16.9% of applications in Liberty County were denied in 2025, against 19.2% statewide in Georgia.
Mortgage Research Center, with 444 applications in 2025 and a denial rate of 16.9%.
The median mortgage application in Liberty County in 2025 was for $235,000; the median property value on originated loans was $265,000.