Refinancing lenders in DeKalb County
1,940 refinancing mortgages were made in DeKalb County, Georgia, in 2025, by 307 lenders. The median rate their borrowers got was 6.125% on a median loan of $305,000. Of 2,859 decisions, 763 were denials — 26.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 170 | 5.750% | $365,000 | 24.1% |
| Rocket Mortgage, LLC | 164 | 5.875% | $280,000 | 25.6% |
| Truist Bank | 105 | 6.440% | $205,000 | 39.9% |
| PENNYMAC LOAN SERVICES, LLC | 85 | 5.990% | $315,000 | 11.8% |
| FREEDOM MORTGAGE CORPORATION | 77 | 6.250% | $305,000 | 7.4% |
| Bank of America, National Association | 53 | 5.990% | $155,000 | 31.7% |
| Ameris Bank | 51 | 6.500% | $435,000 | 3.6% |
| NEWREZ LLC | 44 | 6.250% | $325,000 | 45.0% |
| GEORGIA UNITED | 43 | 7.500% | $85,000 | 17.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 42 | 5.750% | $320,000 | 16.4% |
| BoxCar Mortgage, LLC | 38 | 5.990% | $530,000 | 0.0% |
| PNC Bank, National Association | 36 | 7.240% | $125,000 | 32.7% |
| Kiavi Funding, Inc. | 30 | 7.438% | $240,000 | 22.0% |
| JPMorgan Chase Bank, National Association | 28 | 6.058% | $355,000 | 9.4% |
| DELTA COMMUNITY CREDIT UNION | 28 | 5.750% | $500,000 | 6.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 28 | 6.375% | $285,000 | 6.3% |
| NATIONSTAR MORTGAGE LLC | 26 | 5.990% | $340,000 | 22.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.125% | $175,000 | 10.7% |
| PLANET HOME LENDING, LLC | 25 | 5.990% | $295,000 | 16.7% |
| Third Federal Savings and Loan Association of Cleveland | 22 | 6.990% | $230,000 | 25.8% |
| Synovus Bank | 21 | 8.250% | $295,000 | 18.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 19 | 6.125% | $305,000 | 0.0% |
| SouthState Bank, National Association | 17 | 6.375% | $475,000 | 21.7% |
| Citizens Bank, National Association | 17 | 7.500% | $205,000 | 22.7% |
| Navy Federal Credit Union | 16 | 5.938% | $380,000 | 45.2% |
| MOVEMENT MORTGAGE, LLC | 16 | 5.990% | $475,000 | 10.5% |
| Associated Credit Union | 16 | 5.438% | $170,000 | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 15 | 6.125% | $545,000 | 0.0% |
| LoanUnited.com, LLC | 14 | 6.120% | $250,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 14 | 6.370% | $490,000 | 6.7% |
| MILEND, INC. | 13 | 5.990% | $205,000 | 40.0% |
| SOUTH RIVER MORTGAGE, LLC | 13 | 8.995% | $165,000 | 7.1% |
| Fifth Third Bank, National Association | 12 | 8.650% | $230,000 | 42.9% |
| ROYAL UNITED MORTGAGE LLC | 12 | 7.125% | $80,000 | 36.8% |
| CHAMPIONS FUNDING, LLC | 12 | 7.813% | $240,000 | 14.3% |
| PHH Mortgage Corporation | 11 | 5.990% | $255,000 | 15.4% |
| Mortgage Research Center, LLC | 10 | 5.750% | $305,000 | 65.5% |
| Regions Bank | 10 | 4.990% | $255,000 | 51.7% |
| SHELTER HOME MORTGAGE, LLC | 10 | 6.125% | $405,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 10 | 10.750% | $325,000 | 23.1% |
| United Community Bank | 10 | 6.500% | $225,000 | 37.5% |
| U.S. Bank National Association | 10 | 5.986% | $765,000 | 0.0% |
| GEORGIA'S OWN | 9 | Under 10 loans | Under 10 loans | 38.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Renasant Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 76.3% |
| INTELLILOAN, INC. | 6 | Under 10 loans | Under 10 loans | 27.3% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 27.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bethpage Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| First Option Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| CANOPY MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cadence Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Archwest Funding | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 76.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Onward Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ITHINK FINANCIAL Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Pinnacle Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| US MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 91.9% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 72.7% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Talbot State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COCA-COLA Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 75.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 80.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 77.8% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LGE COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF GEORGIA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SANCTUARY HOME MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 87.5% |
| VYSTAR CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 66.7% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peach State Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CDC FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIR WAY LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grandbridge Real Estate Capital LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 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 107 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.