Refinancing lenders in Cobb County
2,353 refinancing mortgages were made in Cobb County, Georgia, in 2025, by 315 lenders. The median rate their borrowers got was 6.125% on a median loan of $355,000. Of 3,328 decisions, 738 were denials — 22.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 268 | 5.750% | $430,000 | 14.0% |
| Rocket Mortgage, LLC | 242 | 5.990% | $375,000 | 21.8% |
| FREEDOM MORTGAGE CORPORATION | 120 | 6.125% | $415,000 | 4.1% |
| Truist Bank | 101 | 6.190% | $210,000 | 37.1% |
| PENNYMAC LOAN SERVICES, LLC | 90 | 5.990% | $395,000 | 13.3% |
| Bank of America, National Association | 74 | 6.240% | $160,000 | 33.3% |
| Ameris Bank | 47 | 6.490% | $410,000 | 14.5% |
| PNC Bank, National Association | 46 | 7.870% | $210,000 | 32.4% |
| NEWREZ LLC | 43 | 5.750% | $385,000 | 33.3% |
| PLANET HOME LENDING, LLC | 36 | 5.875% | $480,000 | 5.0% |
| Synovus Bank | 35 | 8.300% | $215,000 | 18.2% |
| CREDIT UNION OF GEORGIA | 34 | 6.890% | $115,000 | 18.6% |
| Third Federal Savings and Loan Association of Cleveland | 33 | 6.990% | $185,000 | 36.4% |
| MILEND, INC. | 32 | 6.250% | $325,000 | 17.8% |
| Regions Bank | 30 | 6.178% | $135,000 | 39.3% |
| NATIONSTAR MORTGAGE LLC | 29 | 6.000% | $375,000 | 6.5% |
| JPMorgan Chase Bank, National Association | 26 | 6.063% | $375,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 26 | 6.250% | $200,000 | 0.0% |
| Fifth Third Bank, National Association | 24 | 8.200% | $190,000 | 29.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 23 | 6.500% | $345,000 | 11.5% |
| United Community Bank | 23 | 6.500% | $215,000 | 21.9% |
| LAKEVIEW LOAN SERVICING, LLC | 22 | 5.990% | $410,000 | 56.5% |
| LGE COMMUNITY CREDIT UNION | 21 | Not published | $355,000 | 4.6% |
| PENTAGON FEDERAL CREDIT UNION | 20 | 7.563% | $230,000 | 37.5% |
| Associated Credit Union | 20 | 5.563% | $240,000 | 4.8% |
| GEORGIA UNITED | 20 | 7.375% | $170,000 | 4.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 19 | 6.250% | $375,000 | 4.2% |
| SouthState Bank, National Association | 19 | 7.650% | $175,000 | 24.1% |
| ITHINK FINANCIAL Credit Union | 19 | 8.000% | $105,000 | 9.5% |
| Loandepot.Com, LLC | 18 | 5.870% | $350,000 | 18.2% |
| Navy Federal Credit Union | 17 | 6.000% | $355,000 | 25.0% |
| Mortgage Research Center, LLC | 16 | 5.688% | $385,000 | 61.4% |
| Fairway Independent Mortgage Corporation | 16 | 6.313% | $445,000 | 5.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 16 | 6.000% | $450,000 | 5.6% |
| MOVEMENT MORTGAGE, LLC | 16 | 5.990% | $420,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 15 | 5.750% | $425,000 | 6.3% |
| EVERETT FINANCIAL, INC. | 15 | 6.125% | $415,000 | 11.8% |
| Broker Solutions, Inc. | 14 | 6.375% | $310,000 | 11.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 14 | 5.870% | $445,000 | 6.3% |
| Paramount Residential Mortgage Group, Inc. | 14 | 6.058% | $415,000 | 0.0% |
| Kiavi Funding, Inc. | 13 | 7.375% | $205,000 | 22.2% |
| DELTA COMMUNITY CREDIT UNION | 13 | 5.875% | $445,000 | 27.8% |
| FINANCE OF AMERICA REVERSE LLC | 13 | 6.500% | $215,000 | 17.7% |
| Lendage, LLC | 13 | 10.500% | $85,000 | 6.7% |
| Prosperity Home Mortgage, LLC | 12 | 5.933% | $350,000 | 20.0% |
| KIND LENDING, LLC | 11 | 6.125% | $435,000 | 26.7% |
| LONGBRIDGE FINANCIAL, LLC | 11 | 6.000% | $215,000 | 0.0% |
| NBKC BANK | 10 | 5.813% | $505,000 | 16.7% |
| Citizens Bank, National Association | 10 | 7.650% | $180,000 | 25.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 10 | 6.125% | $470,000 | 0.0% |
| A&D Mortgage LLC | 10 | 5.625% | $405,000 | 0.0% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 68.8% |
| LENDINGONE, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| First-Citizens Bank & Trust Company | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GEORGIA'S OWN | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CANOPY MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First Horizon Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 25.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 41.7% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Bank OZK | 5 | Under 10 loans | Under 10 loans | 54.6% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| DIRECT LENDERS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Onward Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| COCA-COLA Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| United Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Citizens Bank of Georgia | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 86.1% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 72.7% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Capital City Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SHELTER HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| STATE EMPLOYEES' | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SANCTUARY HOME MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORIAN FINANCE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF MADISON | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 115 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.