Refinancing lenders in Gwinnett County
2,441 refinancing mortgages were made in Gwinnett County, Georgia, in 2025, by 330 lenders. The median rate their borrowers got was 6.125% on a median loan of $335,000. Of 3,619 decisions, 915 were denials — 25.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 351 | 5.875% | $405,000 | 17.6% |
| Rocket Mortgage, LLC | 258 | 5.990% | $330,000 | 23.2% |
| FREEDOM MORTGAGE CORPORATION | 165 | 6.250% | $405,000 | 5.5% |
| PENNYMAC LOAN SERVICES, LLC | 93 | 5.875% | $355,000 | 13.8% |
| Truist Bank | 80 | 6.415% | $155,000 | 40.1% |
| PNC Bank, National Association | 63 | 7.690% | $165,000 | 31.9% |
| Bank of America, National Association | 51 | 6.240% | $155,000 | 45.9% |
| NEWREZ LLC | 48 | 6.058% | $415,000 | 41.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 43 | 5.750% | $425,000 | 6.3% |
| GEORGIA UNITED | 38 | 7.500% | $115,000 | 19.2% |
| MILEND, INC. | 37 | 6.125% | $315,000 | 26.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 33 | 6.500% | $395,000 | 20.9% |
| Associated Credit Union | 33 | 5.500% | $255,000 | 8.1% |
| PLANET HOME LENDING, LLC | 33 | 5.750% | $435,000 | 17.1% |
| Third Federal Savings and Loan Association of Cleveland | 28 | 6.990% | $170,000 | 35.6% |
| Loandepot.Com, LLC | 26 | 5.625% | $360,000 | 18.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 26 | 6.188% | $405,000 | 3.6% |
| Ameris Bank | 25 | 6.750% | $305,000 | 6.9% |
| LAKEVIEW LOAN SERVICING, LLC | 23 | 5.990% | $435,000 | 61.1% |
| Synovus Bank | 23 | 8.050% | $105,000 | 31.4% |
| Mortgage Research Center, LLC | 22 | 5.875% | $400,000 | 56.6% |
| United Community Bank | 22 | 6.500% | $230,000 | 35.3% |
| DELTA COMMUNITY CREDIT UNION | 20 | 5.500% | $405,000 | 44.4% |
| NATIONSTAR MORTGAGE LLC | 20 | 5.875% | $365,000 | 11.5% |
| JPMorgan Chase Bank, National Association | 19 | 6.125% | $295,000 | 8.7% |
| Broker Solutions, Inc. | 18 | 6.250% | $350,000 | 29.6% |
| Regions Bank | 18 | 4.990% | $105,000 | 46.5% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 18 | 6.438% | $270,000 | 5.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | 6.033% | $425,000 | 19.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 5.750% | $255,000 | 10.5% |
| LONGBRIDGE FINANCIAL, LLC | 15 | 6.375% | $195,000 | 16.7% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 7.750% | $230,000 | 22.2% |
| ROYAL UNITED MORTGAGE LLC | 14 | 6.875% | $155,000 | 17.7% |
| CMG MORTGAGE, INC. | 14 | 7.854% | $120,000 | 11.8% |
| GUARANTEED RATE, INC. | 13 | 5.750% | $385,000 | 7.1% |
| Lendage, LLC | 13 | 10.625% | $135,000 | 5.9% |
| LoanUnited.com, LLC | 12 | 5.938% | $410,000 | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 12 | 5.688% | $515,000 | 13.3% |
| Kiavi Funding, Inc. | 12 | 7.000% | $250,000 | 7.7% |
| Citizens Bank, National Association | 12 | 7.900% | $180,000 | 33.3% |
| A&D Mortgage LLC | 12 | 5.933% | $345,000 | 7.7% |
| UNION HOME MORTGAGE CORP. | 12 | 6.125% | $395,000 | 14.3% |
| First Option Mortgage, LLC | 12 | 7.375% | $290,000 | 0.0% |
| Renasant Bank | 12 | 6.688% | $245,000 | 14.3% |
| PHH Mortgage Corporation | 11 | 5.625% | $475,000 | 8.3% |
| LGE COMMUNITY CREDIT UNION | 11 | Not published | $385,000 | 0.0% |
| Discover Bank | 10 | 8.675% | $120,000 | 77.4% |
| Wells Fargo Bank, National Association | 10 | 6.125% | $170,000 | 50.0% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 9 | Under 10 loans | Under 10 loans | 52.2% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Prosperity Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| East West Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 35.7% |
| NQM FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PINNACLE BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 68.2% |
| Onward Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 14.3% |
| General Mortgage Capital Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bank OZK | 6 | Under 10 loans | Under 10 loans | 53.8% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NEW WAVE LENDING GROUP INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Presidential Bank, FSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| United Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED PREMIER FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 4 | Under 10 loans | Under 10 loans | 63.6% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT UNION OF GEORGIA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EMET LENDING GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First IC Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| COCA-COLA Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Cadence Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE ASSURANCE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ITHINK FINANCIAL Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FBC MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 71.4% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PEACH STATE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SHELTER HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Capital City Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Capital City Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 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% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 94.6% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COLONY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 130 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.