Mortgage lenders in Houston County
4,752 mortgages were made in Houston County, Georgia, in 2025, by 344 lenders. The median rate their borrowers got was 6.375% on a median loan of $225,000. Of 6,217 decisions, 1,206 were denials — 19.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ROBINS FINANCIAL | 591 | 6.125% | $95,000 | 22.0% |
| Rocket Mortgage, LLC | 400 | 6.490% | $205,000 | 18.6% |
| GUILD MORTGAGE COMPANY | 293 | 6.250% | $245,000 | 3.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 284 | 5.995% | $265,000 | 13.9% |
| Broker Solutions, Inc. | 224 | 6.500% | $225,000 | 4.6% |
| Mortgage Research Center, LLC | 201 | 6.250% | $285,000 | 26.6% |
| Synovus Bank | 169 | 6.250% | $255,000 | 9.9% |
| Navy Federal Credit Union | 119 | 6.750% | $205,000 | 26.8% |
| PENNYMAC LOAN SERVICES, LLC | 108 | 6.000% | $235,000 | 17.9% |
| COLONY BANK | 102 | 6.490% | $255,000 | 3.8% |
| FREEDOM MORTGAGE CORPORATION | 91 | 6.125% | $285,000 | 14.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 85 | 6.240% | $265,000 | 4.4% |
| SunMark Community Bank | 70 | Not published | $90,000 | 1.4% |
| Fairway Independent Mortgage Corporation | 59 | 6.625% | $205,000 | 7.7% |
| LENNAR MORTGAGE, LLC | 58 | 4.750% | $300,000 | 25.6% |
| CANOPY MORTGAGE, LLC | 56 | 6.250% | $365,000 | 3.5% |
| Alcova Mortgage LLC | 55 | 6.750% | $225,000 | 3.1% |
| GUARANTEED RATE, INC. | 45 | 6.250% | $335,000 | 6.1% |
| Loandepot.Com, LLC | 44 | 7.120% | $105,000 | 36.2% |
| INSPIRE HOME LOANS INC. | 44 | 4.875% | $275,000 | 16.1% |
| Truist Bank | 41 | 6.490% | $155,000 | 41.4% |
| DHI MORTGAGE COMPANY, LTD. | 41 | 4.990% | $265,000 | 18.0% |
| NEWREZ LLC | 38 | 6.250% | $310,000 | 23.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 38 | 6.438% | $260,000 | 13.0% |
| USAA Federal Savings Bank | 36 | 6.125% | $295,000 | 26.5% |
| NATIONSTAR MORTGAGE LLC | 36 | 7.490% | $160,000 | 17.0% |
| PLANET HOME LENDING, LLC | 36 | 5.875% | $345,000 | 7.3% |
| Cadence Bank | 35 | 6.375% | $215,000 | 34.6% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 33 | 6.375% | $225,000 | 0.0% |
| Wells Fargo Bank, National Association | 31 | 6.375% | $145,000 | 20.5% |
| Kiavi Funding, Inc. | 31 | 9.700% | $145,000 | 3.1% |
| AmeriSave Mortgage Corporation | 29 | 8.375% | $95,000 | 60.8% |
| Bank of America, National Association | 29 | 6.000% | $125,000 | 51.7% |
| EMM LOANS LLC | 28 | 6.625% | $240,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 27 | 6.625% | $225,000 | 5.9% |
| Ameris Bank | 24 | 6.375% | $235,000 | 11.1% |
| Renasant Bank | 24 | 6.338% | $365,000 | 7.7% |
| NEW DAY FINANCIAL, LLC | 23 | 6.990% | $235,000 | 54.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 23 | 5.750% | $325,000 | 32.0% |
| FIGURE LENDING LLC | 23 | 9.350% | $45,000 | 33.3% |
| Morris Bank | 23 | Not published | $135,000 | 11.5% |
| JET HOMELOANS, LP | 21 | 4.990% | $315,000 | 8.7% |
| KEYSTONE FUNDING, INC. | 21 | 5.990% | $315,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 20 | 6.375% | $185,000 | 54.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 20 | 5.995% | $290,000 | 4.4% |
| Capital City Home Loans, LLC | 20 | 6.375% | $340,000 | 4.8% |
| Planters First Bank | 18 | Not published | $150,000 | 10.0% |
| LoanUnited.com, LLC | 17 | 6.125% | $295,000 | 19.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 17 | 6.875% | $245,000 | 22.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 16 | 6.188% | $265,000 | 11.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 16 | 7.750% | $275,000 | 5.0% |
| EVERETT FINANCIAL, INC. | 16 | 6.250% | $255,000 | 0.0% |
| GoodLeap, LLC | 16 | 5.995% | $170,000 | 5.6% |
| JPMorgan Chase Bank, National Association | 15 | 6.490% | $185,000 | 11.1% |
| SPRING EQ, LLC | 14 | 10.700% | $70,000 | 63.2% |
| THE LOAN STORE, INC. | 13 | 6.750% | $175,000 | 6.3% |
| AMWEST FUNDING CORP. | 13 | 7.125% | $165,000 | 0.0% |
| Coastal Community Bank | 12 | 9.490% | $35,000 | 10.3% |
| Equity Prime Mortgage LLC | 12 | 6.625% | $255,000 | 14.3% |
| FIRST COLONY MORTGAGE CORPORATION | 12 | 6.688% | $315,000 | 10.5% |
| PENTAGON FEDERAL CREDIT UNION | 12 | 7.000% | $205,000 | 40.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.500% | $135,000 | 15.4% |
| U.S. Bank National Association | 11 | 7.490% | $185,000 | 35.3% |
| KIND LENDING, LLC | 11 | 6.750% | $235,000 | 31.3% |
| Lendage, LLC | 11 | 10.750% | $45,000 | 0.0% |
| Presidential Bank, FSB | 11 | 6.375% | $265,000 | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 11 | 6.000% | $195,000 | 0.0% |
| Bank of Dudley | 11 | Not published | $235,000 | 0.0% |
| NBKC BANK | 10 | 6.125% | $330,000 | 16.7% |
| CREDIT UNION FINANCIAL SERVICES, LLC | 10 | 5.813% | $175,000 | 0.0% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Click n' Close, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| GMFS LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Oconee State Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CLEARPATH LENDING | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 62.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 9.1% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Magnolia Bank, Incorporated | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PRIDE BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia State Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Troy Bank and Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 46.2% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| THE MORTGAGE FIRM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Capital City Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Five Star Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 83.3% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 80.8% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 70.6% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 53.8% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 60.7% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| ENDEAVOR CAPITAL, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| DELTA COMMUNITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Exchange Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BankSouth | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 90.0% |
| AgGeorgia Farm Credit, ACA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GEORGIA UNITED | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF GEORGIA | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, 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% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ML Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 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 144 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Houston County
26 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Pinnacle Bank | 3 | $555.9 million |
| Vallant Bank | 3 | $322.4 million |
| The Huntington National Bank | 3 | $228.4 million |
| Sunmark Community Bank | 3 | $179.2 million |
| Truist Bank | 2 | $348.4 million |
| Bank of America, National Association | 2 | $268.8 million |
| Wells Fargo Bank, National Association | 2 | $268.1 million |
| Colony Bank | 2 | $94.5 million |
| Planters First Bank | 2 | $58.5 million |
| American Pride Bank | 1 | $166.7 million |
| Bank of Dudley | 1 | $22.2 million |
| Fifth Third Bank, National Association | 1 | $7.2 million |
| PeoplesSouth Bank | 1 | $3.1 million |
Closed since the 2025 survey
9 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 119 S Houston Lake Rd, Warner Robins
- Cadence Bank, 1208 Washington St, Perry
- Cadence Bank, 849 Warren Dr, Warner Robins
- Morris Bank, 1041 Georgia Highway 96, Warner Robins
- Morris Bank, 464 S Houston Lake Rd, Warner Robins
- Morris Bank, 809 Carroll St, Perry
- Synovus Bank, 315 S Houston Lake Rd, Warner Robins
- Synovus Bank, 871 Warren Dr, Warner Robins
- Synovus Bank, 916 Main St, Perry
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When the next year’s lending figures are out for Houston County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.