Largest lenders in Ware County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 90 | 14 | 62.2% | 9.39% |
| 2 | Rocket Mortgage | C | 85 | 57 | 20.0% | 6.63% |
| 3 | PrimeSouth Bank | C | 85 | 76 | 4.7% | 7.75% |
| 4 | United Shore Financial Services | B | 84 | 70 | 4.8% | 6.38% |
| 5 | Vanderbilt Mortgage and Finance | F | 83 | 5 | 50.6% | 10.50% |
| 6 | Mortgage Research Center | C | 36 | 19 | 19.4% | 6.63% |
| 7 | Truist Bank | C | 34 | 14 | 38.2% | 7.10% |
| 8 | Ameris Bank | B | 30 | 12 | 40.0% | 7.25% |
| 9 | Georgia'S Own | F | 30 | 10 | 40.0% | 7.58% |
| 10 | AmeriSave Mortgage | D | 24 | 5 | 62.5% | 8.38% |
| 11 | Freedom Mortgage | B | 21 | 6 | 4.8% | 6.38% |
| 12 | Pennymac Loan Services | C | 20 | 9 | 0.0% | 6.00% |
| 13 | Northpointe Bank | C | 20 | 7 | 35.0% | 6.19% |
| 14 | Broker Solutions | D | 20 | 3 | 5.0% | 6.75% |
| 15 | United Community Bank | B | 18 | 7 | 61.1% | 6.50% |
| 16 | Navy Federal Credit Union | D | 18 | 6 | 50.0% | 6.69% |
| 17 | New Day Financial | F | 15 | 2 | 13.3% | 7.31% |
| 18 | Crosscountry Mortgage | B | 11 | 7 | 0.0% | 6.25% |
| 19 | Kind Lending | C | 11 | 8 | 27.3% | 6.94% |
| 20 | Equity Prime Mortgage | D | 11 | 7 | 0.0% | 6.88% |
| 21 | Newrez | D | 11 | 1 | 9.1% | 6.13% |
| 22 | Loandepot.Com | D | 11 | 3 | 36.4% | 8.13% |
| 23 | Southwest Stage Funding | F | 11 | 3 | 18.2% | 8.30% |
| 24 | Guaranteed Rate | B | 10 | 6 | 0.0% | 6.58% |
| 25 | First Southern Bank | – | 10 | 9 | 10.0% | — |
Best approval odds in Ware County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | PrimeSouth Bank | 82 | 4.9% |
| 2 | United Shore Financial Services | 76 | 5.3% |
| 3 | Rocket Mortgage | 77 | 22.1% |
| 4 | 21st Mortgage | 70 | 80.0% |
| 5 | Vanderbilt Mortgage and Finance | 50 | 84.0% |
What Ware County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Ware County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 912 | 448 | 26.5% | 7.13% | $115,000 |
| 2024 | 973 | 466 | 27.7% | 6.99% | $125,000 |
| 2025 | 1,136 | 544 | 25.3% | 6.88% | $135,000 |
Frequently asked questions
25.3% of applications in Ware County were denied in 2025, against 19.2% statewide in Georgia.
21st Mortgage, with 90 applications in 2025 and a denial rate of 62.2%.
The median mortgage application in Ware County in 2025 was for $135,000; the median property value on originated loans was $195,000.