Georgia · HMDA 2025
Mortgage lenders in Lincoln County, GA
94 lenders reported 345 home-loan applications in Lincoln County in 2025. 183 closed as loans ($47.6M), 55 were denied — a 21.8% denial rate on decided applications, below the Georgia rate of 24.9%. The three most active lenders handled 23% of applications, led by Rocket Mortgage, LLC. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 345
- Loans originated
- 183
- Purchase / refinance
- 85 / 69
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lincoln County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 33 | 9.6% | — |
| 2 | Farmers State Bank 97 out of 100, Very strong | 27 | 7.8% | 2.2% |
| 3 | F&M Bank | 19 | 5.5% | — |
| 4 | SRP Federal Credit Union 81 out of 100, Strong | 18 | 5.2% | 16.6% |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 14 | 4.1% | — |
| 6 | AMERIHOME MORTGAGE COMPANY, LLC | 11 | 3.2% | — |
| 7 | FIGURE LENDING LLC | 11 | 3.2% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 8 | 2.3% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 7 | 2.0% | — |
| 10 | Regions Bank 64 out of 100, Moderate | 7 | 2.0% | 43.1% |
| 11 | AmeriSave Mortgage Corporation | 7 | 2.0% | — |
| 12 | Mortgage Research Center, LLC | 7 | 2.0% | — |
| 13 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 1.7% | 32.9% |
| 14 | 21st Mortgage Corporation | 6 | 1.7% | — |
| 15 | Bank of America, National Association 59 out of 100, Moderate | 6 | 1.7% | 44.7% |
| 16 | Ameris Bank 67 out of 100, Moderate | 6 | 1.7% | 10.5% |
| 17 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 6 | 1.7% | 22.5% |
| 18 | NEWREZ LLC | 5 | 1.4% | — |
| 19 | Truist Bank 63 out of 100, Moderate | 5 | 1.4% | 40.8% |
| 20 | GUILD MORTGAGE COMPANY | 5 | 1.4% | — |
| 21 | SouthState Bank, National Association 68 out of 100, Moderate | 5 | 1.4% | 23.3% |
| 22 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 1.2% | 32.5% |
| 23 | Fairway Independent Mortgage Corporation | 4 | 1.2% | — |
| 24 | Loandepot.Com, LLC | 4 | 1.2% | — |
| 25 | Broker Solutions, Inc. | 4 | 1.2% | — |
| 26 | Discover Bank | 4 | 1.2% | — |
| 27 | Queensborough National Bank & Trust Company 62 out of 100, Moderate | 4 | 1.2% | 7.8% |
| 28 | GEORGIA'S OWN | 4 | 1.2% | — |
| 29 | SOFI BANK, NATIONAL ASSOCIATION | 4 | 1.2% | — |
| 30 | MUTUAL OF OMAHA MORTGAGE, INC. | 4 | 1.2% | — |
| 31 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.9% | 14.1% |
| 32 | MOVEMENT MORTGAGE, LLC | 3 | 0.9% | — |
| 33 | COLONY BANK 64 out of 100, Moderate | 3 | 0.9% | 4.8% |
| 34 | LAKEVIEW LOAN SERVICING, LLC | 3 | 0.9% | — |
| 35 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.9% | — |
| 36 | Cadence Bank | 3 | 0.9% | — |
| 37 | PHH Mortgage Corporation | 3 | 0.9% | — |
| 38 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.6% | 22.2% |
| 39 | TRIAD FINANCIAL SERVICES, INC. | 2 | 0.6% | — |
| 40 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 0.6% | 39.5% |
Top 40 of 94 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Georgia
- Fulton County 49,328 apps
- Gwinnett County 42,155 apps
- Cobb County 35,482 apps
- DeKalb County 32,023 apps
- Cherokee County 16,444 apps
- Forsyth County 15,824 apps
- Henry County 15,743 apps
- Chatham County 14,732 apps
- Clayton County 11,733 apps
- Paulding County 11,046 apps
- Hall County 9,711 apps
- Houston County 9,273 apps