Mortgage lending in Clay County, Georgia
Lenders in Clay County, Georgia reported 78 mortgage applications for 2025, according to the CFPB.
78 mortgage applications and 42 loans originated in 2025; the denial rate was 20.3% of 59 applications decided. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Clay County, GA.
- 78
- Applications
- 42
- Loans originated
- 20.3%
- Denial rate
- 12 denied of 59 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 78 | 42 |
| 2024 | 96 | 42 |
| 2023 | 82 | 34 |
| 2022 | 142 | 46 |
| 2021 | 126 | 47 |
| 2020 | 116 | 53 |
| 2019 | 88 | 43 |
| 2018 | 81 | 39 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First State Bank of Blakely | 12 | 12 |
| Georgia Community Bank | 5 | 5 |
| Bank of Dawson | 3 | 3 |
| Movement Mortgage, LLC | 2 | 3 |
| Regions Bank | 2 | 4 |
| First State Bank | 1 | 1 |
| Vanderbilt Mortgage and Finance, Inc | 1 | 4 |
| Geneva Financial LLC | 1 | 1 |
| Renasant Bank | 1 | 1 |
| Prosperity Home Mortgage, LLC | 1 | 1 |
| Ruoff Mortgage Company | 1 | 1 |
| Five Star Credit Union | 1 | 4 |
| Kind Lending, LLC | 1 | 1 |
| Spring Eq, LLC | 1 | 1 |
| Valon Mortgage | 1 | 1 |
| Peoplessouth Bank | 1 | 2 |
| Bankplus | 1 | 1 |
| Royal United Mortgage LLC | 1 | 1 |
| 21ST Mortgage | 1 | 9 |
| Amerisave Mortgage Company | 1 | 2 |
| Reliance First Capital, LLC | 1 | 1 |
| Synovus Bank | 1 | 1 |
| Wells Fargo Bank NA | 1 | 1 |
| Lendage, LLC Dba Achieve Loans | 0 | 1 |
| AmeriHome Mortgage Company, LLC | 0 | 0 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| Asian | under 10 | |
| Black or African American | 20 | no rate: base under 50 |
| White | 44 | no rate: base under 50 |
| Race Not Available | withheld |
| Category | Applications | Denial rate |
|---|---|---|
| Not Hispanic or Latino | 64 | no rate: base under 50 |
| Ethnicity Not Available | 14 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 25 | no rate: base under 50 |
| Female | withheld | |
| Joint | 24 | no rate: base under 50 |
| Sex Not Available | under 10 |
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.
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