Largest lenders in Thomas County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Thomasville National Bank | A | 160 | 153 | 0.6% | — |
| 2 | 21st Mortgage | F | 138 | 10 | 63.0% | 9.82% |
| 3 | Rocket Mortgage | C | 85 | 58 | 15.3% | 6.63% |
| 4 | First Reliance Bank | A | 59 | 49 | 3.4% | 6.50% |
| 5 | First Commerce Credit Union | C | 51 | 36 | 19.6% | 7.00% |
| 6 | Synovus Bank | D | 38 | 23 | 29.0% | 7.30% |
| 7 | Triad Financial Services | D | 36 | 7 | 55.6% | 9.35% |
| 8 | Pennymac Loan Services | C | 34 | 18 | 8.8% | 6.31% |
| 9 | Newrez | D | 34 | 29 | 5.9% | 6.50% |
| 10 | Ameris Bank | B | 32 | 17 | 28.1% | 6.69% |
| 11 | Towne Mortgage | B | 31 | 26 | 0.0% | 6.75% |
| 12 | United Shore Financial Services | B | 31 | 22 | 12.9% | 6.06% |
| 13 | Freedom Mortgage | B | 26 | 13 | 3.9% | 6.25% |
| 14 | Mortgage Research Center | C | 25 | 11 | 36.0% | 6.25% |
| 15 | Loandepot.Com | D | 25 | 17 | 16.0% | 6.75% |
| 16 | Renasant Bank | B | 24 | 18 | 12.5% | 7.00% |
| 17 | Truist Bank | C | 22 | 9 | 36.4% | 6.75% |
| 18 | Nationstar Mortgage | C | 22 | 17 | 9.1% | 8.75% |
| 19 | AmeriSave Mortgage | D | 20 | 5 | 75.0% | 9.75% |
| 20 | Navy Federal Credit Union | D | 18 | 9 | 22.2% | 6.38% |
| 21 | Colony Bank | B | 16 | 11 | 12.5% | 7.00% |
| 22 | Carrington Mortgage Services | D | 15 | 3 | 46.7% | 5.75% |
| 23 | Broker Solutions | D | 15 | 3 | 13.3% | 6.99% |
| 24 | Vanderbilt Mortgage and Finance | F | 15 | 2 | 60.0% | 10.63% |
| 25 | Flagstar Bank | C | 13 | 11 | 15.4% | 6.25% |
Best approval odds in Thomas County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Thomasville National Bank | 157 | 0.6% |
| 2 | First Reliance Bank | 51 | 3.9% |
| 3 | Rocket Mortgage | 77 | 16.9% |
| 4 | First Commerce Credit Union | 50 | 20.0% |
| 5 | 21st Mortgage | 97 | 89.7% |
What Thomas County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Thomas County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,333 | 648 | 30.1% | 6.75% | $145,000 |
| 2024 | 1,393 | 736 | 25.6% | 6.63% | $165,000 |
| 2025 | 1,428 | 794 | 23.4% | 6.63% | $165,000 |
Frequently asked questions
23.4% of applications in Thomas County were denied in 2025, against 19.2% statewide in Georgia.
Thomasville National Bank, with 160 applications in 2025 and a denial rate of 0.6%.
The median mortgage application in Thomas County in 2025 was for $165,000; the median property value on originated loans was $285,000.