Mortgage lending in Clarke County, Georgia
Lenders in Clarke County, Georgia reported 3,114 mortgage applications for 2025, according to the CFPB.
3,114 mortgage applications and 1,878 loans originated in 2025; the denial rate was 20.7% of 2,461 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Athens-Clarke County, GA MSA.
- 3,114
- Applications
- 1,878
- Loans originated
- 20.7%
- Denial rate
- 510 denied of 2,461 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,114 | 1,878 |
| 2024 | 2,910 | 1,757 |
| 2023 | 2,673 | 1,597 |
| 2022 | 3,679 | 2,277 |
| 2021 | 6,217 | 4,035 |
| 2020 | 6,096 | 3,821 |
| 2019 | 4,474 | 2,795 |
| 2018 | 3,744 | 2,314 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 146 | 193 |
| Rocket Mortgage | 122 | 174 |
| First American Bank | 105 | 113 |
| Synovus Bank | 102 | 149 |
| Regions Bank | 84 | 155 |
| Oconee State Bank | 70 | 91 |
| City National Bank of Florida | 61 | 86 |
| Georgia United Credit Union | 59 | 94 |
| Truist Bank | 43 | 98 |
| Fairway Independent Mort Corp | 37 | 45 |
| Bank of America NA | 37 | 74 |
| Ameris Bank | 37 | 51 |
| The Commercial Bank | 33 | 36 |
| Pennymac Loan Services LLC | 31 | 53 |
| Classic City Bank | 30 | 30 |
| Pinnacle Bank | 29 | 41 |
| BankSouth Mortgage Company LLC | 26 | 33 |
| Robins Financial Credit Union | 25 | 41 |
| Crosscountry Mortgage, LLC | 23 | 41 |
| Everett Financial, Inc. | 21 | 30 |
| United Community Bank | 20 | 23 |
| loanDepot.com LLC | 19 | 35 |
| Freedom Mortgage Corporation | 19 | 36 |
| Kind Lending, LLC | 19 | 23 |
| Colony Bank | 18 | 22 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 16 | no rate: base under 50 |
| Asian | 115 | 11.5% of 96 decided |
| Black or African American | 375 | 37.5% of 293 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,860 | 17.9% of 1,501 decided |
| 2 or more minority races | under 10 | |
| Joint | 45 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 693 | 21.0% of 518 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 206 | 32.3% of 161 decided |
| Not Hispanic or Latino | 2,203 | 20.0% of 1,769 decided |
| Joint | withheld | |
| Ethnicity Not Available | 646 | 20.6% of 485 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,021 | 22.4% of 785 decided |
| Female | 795 | 25.3% of 624 decided |
| Joint | 884 | 15.3% of 741 decided |
| Sex Not Available | 414 | 20.3% of 311 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 669 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved