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Putnam County, Georgia · 2025

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

191 lenders acted on 1,141 mortgage applications for properties in Putnam County in 2025. 18.1% were denied (Georgia: 19.2%). Median rate on closed loans 6.50%; median loan $255,000; median property value $415,000.

1.1kApplications
18.1%Denial ratestate 19.2%
6.50%Median ratestate 6.63%
$255,000Median loan
$415,000Median property value

Largest lenders in Putnam County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 6238 29.0%6.63%
2 Banksouth Mortgage Company A 5844 6.9%6.06%
3 Fairway Independent Mortgage B 5436 1.9%6.75%
4 United Shore Financial Services B 5035 16.0%6.25%
5 21st Mortgage F 438 58.1%10.48%
6 Truist Bank C 3918 41.0%6.19%
7 Robins Financial B 3824 29.0%5.88%
8 Crosscountry Mortgage B 2920 6.9%6.43%
9 Mortgage Research Center C 2915 17.2%6.50%
10 Ameris Bank B 2719 18.5%6.63%
11 BankSouth A 2621 0.0%—
12 Pennymac Loan Services C 2414 12.5%6.31%
13 Loandepot.Com D 2319 8.7%5.88%
14 Navy Federal Credit Union D 218 28.6%6.69%
15 Vanderbilt Mortgage and Finance F 193 31.6%8.75%
16 Newrez D 182 22.2%6.63%
17 Freedom Mortgage B 155 20.0%5.75%
18 Planet Home Lending B 1512 20.0%6.38%
19 Broker Solutions D 143 21.4%6.25%
20 Bank of America F 136 15.4%5.93%
21 United Bank C 139 7.7%6.88%
22 Figure Lending C 123 33.3%9.90%
23 Synovus Bank D 117 18.2%5.88%
24 JPMorgan Chase Bank B 118 9.1%6.93%
25 Spring Eq D 114 36.4%8.59%

Best approval odds in Putnam County

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

#LenderDecidedDecision denial rate
1Rocket Mortgage5831.0%

What Putnam County borrowers applied for

By loan purpose

Home purchase 577 51% · 10.8% denied
Refinance 164 14% · 14.6% denied
Cash-out refinance 207 18% · 27.1% denied
Home improvement 92 8% · 29.4% denied
Other / HELOC 101 9% · 37.6% denied

By loan type

Conventional 817 72% · 20.3% denied
FHA 205 18% · 14.2% denied
VA 109 10% · 10.1% denied
USDA / RHS 10 1% · 10.0% denied

Why applications were denied

Debt-to-income ratio 64 31%
Credit history 50 24%
Incomplete application 33 16%
Collateral 28 14%
Other 14 7%
Unverifiable information 11 5%
Insufficient cash 4 2%
Employment history 1 0%

Putnam County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202397756917.8%6.88%$225,000
202495354817.6%6.99%$245,000
20251,14165618.1%6.50%$255,000

Frequently asked questions

18.1% of applications in Putnam County were denied in 2025, against 19.2% statewide in Georgia.

Rocket Mortgage, with 62 applications in 2025 and a denial rate of 29.0%.

The median mortgage application in Putnam County in 2025 was for $255,000; the median property value on originated loans was $415,000.