Largest lenders in Morgan County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Fairway Independent Mortgage | B | 65 | 52 | 0.0% | 6.63% |
| 2 | Rocket Mortgage | C | 55 | 37 | 14.6% | 6.99% |
| 3 | United Bank | C | 43 | 25 | 16.3% | 7.50% |
| 4 | Pennymac Loan Services | C | 40 | 22 | 12.5% | 6.44% |
| 5 | Regions Bank | C | 38 | 24 | 23.7% | 5.50% |
| 6 | Bank of Madison | – | 33 | 23 | 15.2% | — |
| 7 | United Shore Financial Services | B | 32 | 23 | 15.6% | 6.13% |
| 8 | Truist Bank | C | 30 | 13 | 46.7% | 6.38% |
| 9 | Crosscountry Mortgage | B | 26 | 14 | 0.0% | 6.75% |
| 10 | Dhi Mortgage Company | B | 26 | 14 | 19.2% | 5.18% |
| 11 | Freedom Mortgage | B | 21 | 6 | 0.0% | 6.25% |
| 12 | Spring Eq | D | 18 | 6 | 38.9% | 8.58% |
| 13 | Navy Federal Credit Union | D | 18 | 6 | 22.2% | 10.38% |
| 14 | Mortgage Research Center | C | 15 | 3 | 6.7% | 6.25% |
| 15 | Figure Lending | C | 15 | 7 | 46.7% | 9.65% |
| 16 | 21st Mortgage | F | 13 | 3 | 46.2% | 8.77% |
| 17 | Ameris Bank | B | 12 | 9 | 0.0% | 6.69% |
| 18 | Loandepot.Com | D | 12 | 9 | 8.3% | 6.63% |
| 19 | Synovus Bank | D | 11 | 7 | 27.3% | 7.40% |
| 20 | Banksouth Mortgage Company | A | 11 | 8 | 9.1% | 6.19% |
| 21 | Vanderbilt Mortgage and Finance | F | 11 | 3 | 45.5% | 6.88% |
| 22 | City National Bank of Florida | B | 9 | 6 | 0.0% | 6.31% |
| 23 | Bank of America | F | 9 | 5 | 33.3% | 6.49% |
| 24 | Guaranteed Rate | B | 9 | 3 | 22.2% | 6.13% |
| 25 | Discover Bank | F | 8 | 2 | 50.0% | 8.50% |
Best approval odds in Morgan County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Fairway Independent Mortgage | 52 | 0.0% |
What Morgan County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Morgan County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 794 | 432 | 20.0% | 6.87% | $245,000 |
| 2024 | 771 | 429 | 21.5% | 6.88% | $235,000 |
| 2025 | 914 | 527 | 16.2% | 6.63% | $275,000 |
Frequently asked questions
16.2% of applications in Morgan County were denied in 2025, against 19.2% statewide in Georgia.
Fairway Independent Mortgage, with 65 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Morgan County in 2025 was for $275,000; the median property value on originated loans was $485,000.