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Whitfield County, Georgia · 2025

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

241 lenders acted on 3,247 mortgage applications for properties in Whitfield County in 2025. 21.5% were denied (Georgia: 19.2%). Median rate on closed loans 6.63%; median loan $175,000; median property value $285,000.

3.2kApplications
21.5%Denial ratestate 19.2%
6.63%Median ratestate 6.63%
$175,000Median loan
$285,000Median property value

Largest lenders in Whitfield County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Georgia United D 229130 34.5%7.38%
2 Regions Bank C 18670 44.6%6.63%
3 FirstBank C 175143 12.0%6.63%
4 Rocket Mortgage C 172113 22.1%6.88%
5 Vanderbilt Mortgage and Finance F 15317 37.9%10.25%
6 United Shore Financial Services B 12684 12.7%6.19%
7 Primelending, a Plainscapital A 10969 13.8%5.88%
8 Truist Bank C 10143 41.6%6.63%
9 Broker Solutions D 9546 3.2%6.88%
10 Fairway Independent Mortgage B 8964 2.3%6.75%
11 Movement Mortgage A 8547 3.5%6.50%
12 Tennessee Valley FCU D 8437 36.9%6.12%
13 Dhi Mortgage Company B 6837 26.5%5.38%
14 Builtwell Bank C 6642 27.3%—
15 Pennymac Loan Services C 5634 14.3%6.13%
16 Mortgage Research Center C 5127 11.8%6.31%
17 Summit Funding C 4728 8.5%7.13%
18 Freedom Mortgage B 4622 4.4%6.25%
19 Bank of America F 4313 27.9%6.49%
20 Loandepot.Com D 4126 22.0%5.75%
21 21st Mortgage F 366 47.2%10.30%
22 CMG Mortgage A 3525 8.6%6.50%
23 Spring Eq D 328 53.1%7.91%
24 Synovus Bank D 3019 13.3%6.75%
25 Newrez D 297 24.1%7.88%

Best approval odds in Whitfield County

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

#LenderDecidedDecision denial rate
1Fairway Independent Mortgage663.0%
2Movement Mortgage664.6%
3Broker Solutions506.0%
4FirstBank16412.8%
5United Shore Financial Services10215.7%
6Primelending, a Plainscapital9116.5%
7Rocket Mortgage15724.2%
8Builtwell Bank6129.5%
9Dhi Mortgage Company5532.7%
10Georgia United21137.4%

What Whitfield County borrowers applied for

By loan purpose

Home purchase 1,574 48% · 15.3% denied
Refinance 431 13% · 16.7% denied
Cash-out refinance 553 17% · 18.8% denied
Home improvement 310 10% · 38.4% denied
Other / HELOC 379 12% · 43.0% denied

By loan type

Conventional 2,245 69% · 24.9% denied
FHA 772 24% · 14.1% denied
VA 215 7% · 12.6% denied
USDA / RHS 15 0% · 20.0% denied

Why applications were denied

Debt-to-income ratio 213 31%
Credit history 210 30%
Incomplete application 92 13%
Collateral 87 13%
Unverifiable information 41 6%
Other 32 5%
Insufficient cash 15 2%
Employment history 5 1%

Whitfield County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,8061,47022.3%6.99%$155,000
20243,1071,65423.0%6.88%$165,000
20253,2471,74021.5%6.63%$175,000

Frequently asked questions

21.5% of applications in Whitfield County were denied in 2025, against 19.2% statewide in Georgia.

Georgia United, with 229 applications in 2025 and a denial rate of 34.5%.

The median mortgage application in Whitfield County in 2025 was for $175,000; the median property value on originated loans was $285,000.