Refinancing lenders in Fulton County
3,203 refinancing mortgages were made in Fulton County, Georgia, in 2025, by 400 lenders. The median rate their borrowers got was 6.125% on a median loan of $365,000. Of 4,865 decisions, 1,339 were denials — 27.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 338 | 5.931% | $425,000 | 21.0% |
| Rocket Mortgage, LLC | 235 | 5.990% | $365,000 | 31.0% |
| Truist Bank | 159 | 5.990% | $255,000 | 39.5% |
| FREEDOM MORTGAGE CORPORATION | 144 | 6.125% | $395,000 | 8.1% |
| Bank of America, National Association | 119 | 5.990% | $255,000 | 32.8% |
| PENNYMAC LOAN SERVICES, LLC | 112 | 5.990% | $415,000 | 14.5% |
| Kiavi Funding, Inc. | 88 | 7.125% | $195,000 | 20.0% |
| Ameris Bank | 80 | 6.495% | $415,000 | 14.4% |
| Synovus Bank | 74 | 7.850% | $395,000 | 31.9% |
| PNC Bank, National Association | 63 | 7.940% | $215,000 | 31.9% |
| Third Federal Savings and Loan Association of Cleveland | 56 | 6.990% | $245,000 | 33.0% |
| NEWREZ LLC | 50 | 5.933% | $390,000 | 41.8% |
| NATIONSTAR MORTGAGE LLC | 36 | 6.250% | $335,000 | 9.8% |
| GEORGIA UNITED | 36 | 7.500% | $205,000 | 10.0% |
| PLANET HOME LENDING, LLC | 35 | 5.750% | $355,000 | 12.2% |
| DELTA COMMUNITY CREDIT UNION | 33 | 5.625% | $425,000 | 31.3% |
| Regions Bank | 31 | 4.990% | $255,000 | 32.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 31 | 6.500% | $335,000 | 12.2% |
| BoxCar Mortgage, LLC | 31 | 6.375% | $625,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 30 | 6.188% | $380,000 | 16.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | 6.125% | $555,000 | 6.9% |
| Loandepot.Com, LLC | 27 | 5.875% | $415,000 | 34.2% |
| Associated Credit Union | 27 | 5.375% | $395,000 | 0.0% |
| SouthState Bank, National Association | 26 | 6.233% | $605,000 | 24.3% |
| LAKEVIEW LOAN SERVICING, LLC | 24 | 5.990% | $425,000 | 58.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 23 | 5.990% | $435,000 | 20.6% |
| Citizens Bank, National Association | 22 | 7.650% | $235,000 | 25.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 22 | 6.125% | $605,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 21 | 6.375% | $415,000 | 25.0% |
| United Community Bank | 21 | 6.500% | $505,000 | 32.4% |
| GUARANTEED RATE, INC. | 20 | 5.990% | $550,000 | 12.5% |
| 254900CTT87ZKAUTIJ37 | 20 | 10.990% | $335,000 | 31.0% |
| Wells Fargo Bank, National Association | 20 | 5.813% | $445,000 | 23.1% |
| U.S. Bank National Association | 20 | 5.990% | $575,000 | 8.3% |
| Mortgage Research Center, LLC | 19 | 5.750% | $345,000 | 64.8% |
| MILEND, INC. | 18 | 6.250% | $315,000 | 29.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 18 | 5.688% | $595,000 | 8.7% |
| First Horizon Bank | 18 | 8.165% | $505,000 | 29.6% |
| Broker Solutions, Inc. | 17 | 6.000% | $345,000 | 19.1% |
| Navy Federal Credit Union | 17 | 5.625% | $375,000 | 48.6% |
| PENTAGON FEDERAL CREDIT UNION | 17 | 7.750% | $255,000 | 41.4% |
| OCMBC, INC. | 17 | 6.999% | $265,000 | 13.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 17 | 6.125% | $545,000 | 5.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 17 | 6.375% | $505,000 | 0.0% |
| Renasant Bank | 17 | 7.500% | $245,000 | 19.1% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 17 | 6.125% | $555,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 16 | 7.563% | $245,000 | 40.7% |
| Fifth Third Bank, National Association | 15 | 7.400% | $255,000 | 40.0% |
| MOVEMENT MORTGAGE, LLC | 15 | 6.125% | $385,000 | 6.3% |
| LoanUnited.com, LLC | 14 | 5.995% | $360,000 | 17.7% |
| FINANCE OF AMERICA REVERSE LLC | 14 | 6.438% | $465,000 | 26.3% |
| ALLIANT CREDIT UNION | 14 | 7.750% | $390,000 | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 14 | 7.125% | $245,000 | 33.3% |
| First-Citizens Bank & Trust Company | 14 | 6.395% | $435,000 | 6.7% |
| GEORGIA'S OWN | 13 | 7.125% | $355,000 | 30.0% |
| Charles Schwab Bank, SSB | 13 | 5.625% | $905,000 | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 13 | 5.875% | $625,000 | 0.0% |
| PHH Mortgage Corporation | 12 | 5.990% | $545,000 | 25.0% |
| Prosperity Home Mortgage, LLC | 12 | 6.500% | $365,000 | 23.5% |
| EVERETT FINANCIAL, INC. | 12 | 6.125% | $405,000 | 25.0% |
| Bank OZK | 11 | 5.990% | $385,000 | 43.5% |
| NexBank | 11 | 6.625% | $505,000 | 20.0% |
| Southern First Bank | 11 | 7.250% | $485,000 | 8.3% |
| Fairway Independent Mortgage Corporation | 10 | 6.250% | $540,000 | 29.4% |
| A&D Mortgage LLC | 10 | 6.058% | $595,000 | 16.7% |
| Pinnacle Bank | 10 | 5.375% | $105,000 | 29.4% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.125% | $630,000 | 9.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 10 | 5.933% | $440,000 | 16.7% |
| General Mortgage Capital Corporation | 10 | 6.313% | $480,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 52.6% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SOUTH RIVER MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Northpointe Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NQM FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| LGE COMMUNITY CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Cadence Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Onward Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 44.4% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Capital City Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 57.1% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 53.8% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 77.8% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 10.0% |
| CANOPY MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SHELTER HOME MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| INTELLILOAN, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 984500FAD1FB7FEGTE82 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| United Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CONVENTUS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CREDIT UNION OF GEORGIA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SANCTUARY HOME MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 80.8% |
| VYSTAR CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 69.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 52.6% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 66.7% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| COCA-COLA Credit Union | 4 | Under 10 loans | Under 10 loans | 55.6% |
| SayGO Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CDC FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED PREMIER FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 80.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ITHINK FINANCIAL Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Assurance Financial Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Heritage Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NASA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens Bank of Georgia | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PEACH STATE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CB&S Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 2 | 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 200 lenders each made 2 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.