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Paulding County, Georgia · 2025

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

387 lenders acted on 9,458 mortgage applications for properties in Paulding County in 2025. 17.5% were denied (Georgia: 19.2%). Median rate on closed loans 6.50%; median loan $265,000; median property value $375,000.

9.5kApplications
17.5%Denial ratestate 19.2%
6.50%Median ratestate 6.63%
$265,000Median loan
$375,000Median property value

Largest lenders in Paulding County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 759573 14.4%6.75%
2 United Shore Financial Services B 498376 9.8%6.25%
3 Dhi Mortgage Company B 319224 15.1%4.99%
4 Freedom Mortgage B 289127 9.7%6.25%
5 Pennymac Loan Services C 262129 14.1%6.38%
6 Loandepot.Com D 239143 26.4%5.99%
7 Navy Federal Credit Union D 23696 25.9%8.35%
8 Regions Bank C 19885 43.9%6.13%
9 Truist Bank C 19187 40.8%6.90%
10 Bank of America F 18265 39.6%6.25%
11 Crosscountry Mortgage B 165104 6.7%6.75%
12 Broker Solutions D 16347 12.3%6.69%
13 Newrez D 16156 18.0%6.63%
14 Mortgage Research Center C 15875 17.1%6.25%
15 Ameris Bank B 134101 9.7%6.38%
16 Lge Community Credit Union D 13387 18.1%—
17 Spring Eq D 13037 55.4%9.23%
18 AmeriSave Mortgage D 12645 53.2%8.50%
19 Vanderbilt Mortgage and Finance F 12651 16.7%6.25%
20 Everett Financial C 11978 8.4%6.63%
21 Lakeview Loan Servicing C 11433 52.6%6.75%
22 Nationstar Mortgage C 11181 5.4%7.75%
23 Movement Mortgage A 11187 2.7%6.44%
24 United Community Bank B 10669 26.4%6.50%
25 American Pacific Mortgage C 10275 6.9%6.25%

Best approval odds in Paulding County

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

#LenderDecidedDecision denial rate
1Canopy Mortgage560.0%
2Movement Mortgage1003.0%
3Homeowners Financial Group USA553.6%
4Nationstar Mortgage896.7%
5Fairway Independent Mortgage687.4%
6Victory Mortgage728.3%
7American Pacific Mortgage828.5%
8Crosscountry Mortgage1189.3%
9Guild Mortgage7311.0%
10Everett Financial8911.2%

What Paulding County borrowers applied for

By loan purpose

Home purchase 4,141 44% · 9.0% denied
Refinance 1,462 15% · 15.3% denied
Cash-out refinance 1,989 21% · 20.4% denied
Home improvement 780 8% · 38.5% denied
Other / HELOC 1,086 11% · 32.7% denied

By loan type

Conventional 5,621 59% · 19.5% denied
FHA 2,583 27% · 15.6% denied
VA 1,229 13% · 12.5% denied
USDA / RHS 25 0% · 8.0% denied

Why applications were denied

Debt-to-income ratio 507 31%
Credit history 425 26%
Incomplete application 253 15%
Collateral 205 13%
Other 119 7%
Unverifiable information 78 5%
Insufficient cash 38 2%
Employment history 8 0%

Paulding County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20239,1985,11020.0%6.75%$245,000
20249,2785,44118.4%6.63%$255,000
20259,4585,39117.5%6.50%$265,000

Frequently asked questions

17.5% of applications in Paulding County were denied in 2025, against 19.2% statewide in Georgia.

Rocket Mortgage, with 759 applications in 2025 and a denial rate of 14.4%.

The median mortgage application in Paulding County in 2025 was for $265,000; the median property value on originated loans was $375,000.