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Troup County, Georgia · 2025

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

247 lenders acted on 2,782 mortgage applications for properties in Troup County in 2025. 17.5% were denied (Georgia: 19.2%). Median rate on closed loans 6.50%; median loan $185,000; median property value $275,000.

2.8kApplications
17.5%Denial ratestate 19.2%
6.50%Median ratestate 6.63%
$185,000Median loan
$275,000Median property value

Largest lenders in Troup County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 145113 8.3%6.33%
2 Synovus Bank D 13297 14.4%7.13%
3 Rocket Mortgage C 12590 13.6%6.63%
4 Kiavi Funding D 1197 0.0%9.95%
5 Colony Bank B 8869 2.3%6.63%
6 Loandepot.Com D 8041 28.8%6.50%
7 Freedom Mortgage B 7928 5.1%6.19%
8 SouthState Bank B 7539 32.0%7.25%
9 Jet Homeloans A 7241 8.3%4.99%
10 Guild Mortgage A 6651 1.5%6.38%
11 Magnolia Bank C 6355 4.8%6.25%
12 Broker Solutions D 6232 11.3%6.50%
13 Pennymac Loan Services C 5827 8.6%6.38%
14 Navy Federal Credit Union D 5217 36.5%7.38%
15 Mortgage Research Center C 5023 18.0%6.25%
16 Truist Bank C 4521 42.2%6.69%
17 PNC Bank D 4516 44.4%7.66%
18 Movement Mortgage A 4428 15.9%6.75%
19 Ark-La-Tex Financial Services, LLC. A 4434 0.0%6.19%
20 AmeriSave Mortgage D 439 69.8%7.25%
21 Vanderbilt Mortgage and Finance F 436 37.2%6.63%
22 Inspire Home Loans B 4229 7.1%4.88%
23 Crosscountry Mortgage B 3929 2.6%6.58%
24 Renasant Bank B 3930 12.8%6.63%
25 Bank of America F 3712 43.2%6.68%

Best approval odds in Troup County

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

#LenderDecidedDecision denial rate
1Guild Mortgage561.8%
2Colony Bank712.8%
3Magnolia Bank595.1%
4United Shore Financial Services1279.5%
5Rocket Mortgage11215.2%
6Synovus Bank11816.1%
7Loandepot.Com6535.4%
8SouthState Bank6338.1%

What Troup County borrowers applied for

By loan purpose

Home purchase 1,263 45% · 9.1% denied
Refinance 479 17% · 14.0% denied
Cash-out refinance 566 20% · 22.4% denied
Home improvement 213 8% · 36.6% denied
Other / HELOC 261 9% · 38.3% denied

By loan type

Conventional 1,623 58% · 20.4% denied
FHA 773 28% · 12.7% denied
VA 337 12% · 15.4% denied
USDA / RHS 49 2% · 12.2% denied

Why applications were denied

Credit history 153 32%
Debt-to-income ratio 121 25%
Incomplete application 65 14%
Collateral 59 12%
Other 34 7%
Unverifiable information 30 6%
Insufficient cash 17 4%
Employment history 2 0%

Troup County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,2371,15521.9%6.88%$175,000
20242,5271,30522.0%6.75%$175,000
20252,7821,48917.5%6.50%$185,000

Frequently asked questions

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

United Shore Financial Services, with 145 applications in 2025 and a denial rate of 8.3%.

The median mortgage application in Troup County in 2025 was for $185,000; the median property value on originated loans was $275,000.