Georgia · HMDA 2025
Mortgage lenders in Polk County, GA
204 lenders reported 1,831 home-loan applications in Polk County in 2025. 838 closed as loans ($175.3M), 315 were denied — a 26.2% denial rate on decided applications, above the Georgia rate of 24.9%. The three most active lenders handled 16% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,831
- Loans originated
- 838
- Purchase / refinance
- 417 / 282
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Polk County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 108 | 5.9% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 95 | 5.2% | — |
| 3 | Rocket Mortgage, LLC | 93 | 5.1% | — |
| 4 | FAMILY SAVINGS CREDIT UNION 55 out of 100, Moderate | 78 | 4.3% | 11.7% |
| 5 | Fairway Independent Mortgage Corporation | 72 | 3.9% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 69 | 3.8% | — |
| 7 | AMERIHOME MORTGAGE COMPANY, LLC | 54 | 2.9% | — |
| 8 | Regions Bank 64 out of 100, Moderate | 52 | 2.8% | 43.1% |
| 9 | PLANET HOME LENDING, LLC | 43 | 2.3% | — |
| 10 | Truist Bank 63 out of 100, Moderate | 42 | 2.3% | 40.8% |
| 11 | MEMBER FIRST MORTGAGE, LLC | 40 | 2.2% | — |
| 12 | AMERICAN PACIFIC MORTGAGE CORPORATION | 37 | 2.0% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 36 | 2.0% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 31 | 1.7% | — |
| 15 | Mortgage Research Center, LLC | 30 | 1.6% | — |
| 16 | KIND LENDING, LLC | 30 | 1.6% | — |
| 17 | NEWREZ LLC | 28 | 1.5% | — |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 27 | 1.5% | 32.9% |
| 19 | AmeriSave Mortgage Corporation | 25 | 1.4% | — |
| 20 | Loandepot.Com, LLC | 24 | 1.3% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 24 | 1.3% | — |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 23 | 1.3% | 14.1% |
| 23 | Broker Solutions, Inc. | 23 | 1.3% | — |
| 24 | United Community Bank 67 out of 100, Moderate | 22 | 1.2% | 25.4% |
| 25 | GUILD MORTGAGE COMPANY | 21 | 1.1% | — |
| 26 | CARRINGTON MORTGAGE SERVICES, LLC | 20 | 1.1% | — |
| 27 | FIGURE LENDING LLC | 18 | 1.0% | — |
| 28 | SWBC MORTGAGE CORPORATION | 18 | 1.0% | — |
| 29 | FirstBank 59 out of 100, Moderate | 18 | 1.0% | 42.8% |
| 30 | UNION HOME MORTGAGE CORP. | 18 | 1.0% | — |
| 31 | SPRING EQ, LLC | 17 | 0.9% | — |
| 32 | LAKEVIEW LOAN SERVICING, LLC | 17 | 0.9% | — |
| 33 | 21st Mortgage Corporation | 16 | 0.9% | — |
| 34 | Magnolia Bank, Incorporated 49 out of 100, Below average | 16 | 0.9% | 10.3% |
| 35 | River City Bank 77 out of 100, Strong | 15 | 0.8% | 4.1% |
| 36 | Bank OZK 76 out of 100, Strong | 15 | 0.8% | 37.8% |
| 37 | Ameris Bank 67 out of 100, Moderate | 14 | 0.8% | 10.5% |
| 38 | Renasant Bank 64 out of 100, Moderate | 13 | 0.7% | 11.6% |
| 39 | COLONY BANK 64 out of 100, Moderate | 12 | 0.7% | 4.8% |
| 40 | VILLAGE CAPITAL & INVESTMENT LLC | 12 | 0.7% | — |
Top 40 of 204 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