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Monroe County, Georgia · 2025

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

186 lenders acted on 1,336 mortgage applications for properties in Monroe County in 2025. 17.7% were denied (Georgia: 19.2%). Median rate on closed loans 6.63%; median loan $225,000; median property value $385,000.

1.3kApplications
17.7%Denial ratestate 19.2%
6.63%Median ratestate 6.63%
$225,000Median loan
$385,000Median property value

Largest lenders in Monroe County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Robins Financial B 10463 28.9%6.00%
2 Rocket Mortgage C 8761 16.1%6.49%
3 United Bank C 8658 20.9%7.50%
4 United Shore Financial Services B 6744 11.9%6.13%
5 21st Mortgage F 399 46.2%9.12%
6 Truist Bank C 3622 19.4%6.58%
7 Freedom Mortgage B 3318 0.0%6.25%
8 Canopy Mortgage B 3121 6.5%6.50%
9 Mortgage Research Center C 3011 6.7%6.63%
10 Newrez D 296 13.8%8.00%
11 Emm Loans B 2727 0.0%6.75%
12 Broker Solutions D 2713 14.8%6.50%
13 Navy Federal Credit Union D 2619 7.7%7.75%
14 Pennymac Loan Services C 2413 20.8%6.38%
15 Guild Mortgage A 2218 0.0%6.63%
16 Renasant Bank B 2116 9.5%6.94%
17 Bank of America F 207 40.0%5.99%
18 Guaranteed Rate B 198 10.5%6.56%
19 GMFS A 187 5.6%6.88%
20 Cadence Bank B 1713 11.8%6.50%
21 Loandepot.Com D 1711 5.9%6.88%
22 Vanderbilt Mortgage and Finance F 153 20.0%8.50%
23 AmeriSave Mortgage D 144 57.1%8.31%
24 Crosscountry Mortgage B 148 0.0%6.58%
25 Spring Eq D 146 21.4%9.56%

Best approval odds in Monroe County

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

#LenderDecidedDecision denial rate
1United Shore Financial Services5315.1%
2Rocket Mortgage8017.5%
3United Bank7723.4%
4Robins Financial10129.7%

What Monroe County borrowers applied for

By loan purpose

Home purchase 540 40% · 9.8% denied
Refinance 254 19% · 11.8% denied
Cash-out refinance 253 19% · 24.5% denied
Home improvement 139 10% · 25.2% denied
Other / HELOC 150 11% · 38.0% denied

By loan type

Conventional 927 69% · 19.4% denied
FHA 246 18% · 16.3% denied
VA 156 12% · 10.3% denied
USDA / RHS 7 1% · 14.3% denied

Why applications were denied

Credit history 74 31%
Debt-to-income ratio 59 25%
Incomplete application 37 16%
Collateral 31 13%
Other 17 7%
Unverifiable information 11 5%
Insufficient cash 5 2%
Employment history 2 1%

Monroe County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,18465122.6%6.88%$195,000
20241,19072018.5%6.88%$235,000
20251,33676517.7%6.63%$225,000

Frequently asked questions

17.7% of applications in Monroe County were denied in 2025, against 19.2% statewide in Georgia.

Robins Financial, with 104 applications in 2025 and a denial rate of 28.9%.

The median mortgage application in Monroe County in 2025 was for $225,000; the median property value on originated loans was $385,000.