Mortgage lending in Clayton County, Georgia
Lenders in Clayton County, Georgia reported 10,481 mortgage applications for 2025, according to the CFPB.
10,481 mortgage applications and 4,690 loans originated in 2025; the denial rate was 34.5% of 7,722 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area.
- 10,481
- Applications
- 4,690
- Loans originated
- 34.5%
- Denial rate
- 2,661 denied of 7,722 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,481 | 4,690 |
| 2024 | 10,556 | 4,693 |
| 2023 | 10,244 | 4,457 |
| 2022 | 12,539 | 5,768 |
| 2021 | 15,986 | 7,880 |
| 2020 | 13,732 | 6,707 |
| 2019 | 11,513 | 5,370 |
| 2018 | 9,682 | 4,409 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 451 | 702 |
| United Wholesale Mortgage | 367 | 611 |
| Guild Mortgage Company | 188 | 277 |
| New American Funding, LLC. | 168 | 434 |
| Navy Federal Credit Union | 153 | 449 |
| loanDepot.com LLC | 116 | 238 |
| Freedom Mortgage Corporation | 107 | 291 |
| Mortgage Research Center | 100 | 230 |
| Pennymac Loan Services LLC | 100 | 250 |
| Everett Financial, Inc. | 85 | 138 |
| Kiavi Funding, Inc. | 77 | 114 |
| Crosscountry Mortgage, LLC | 76 | 152 |
| JPMorgan Chase Bank, NA | 75 | 131 |
| Ameris Bank | 75 | 116 |
| Bank of America NA | 71 | 241 |
| Newrez LLC | 62 | 267 |
| Southeast Mortgage of Georgia, Inc. | 62 | 107 |
| Nationstar Mortgage | 59 | 91 |
| Movement Mortgage, LLC | 58 | 87 |
| American Financing Corporation | 54 | 259 |
| Delta Community Credit Union | 50 | 178 |
| Renasant Bank | 45 | 73 |
| Paramount Residential Mortgage | 43 | 61 |
| Truist Bank | 43 | 142 |
| Wells Fargo Bank NA | 43 | 112 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 40 | no rate: base under 50 |
| Asian | 369 | 26.0% of 273 decided |
| Black or African American | 6,149 | 35.3% of 4,571 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 1,081 | 25.3% of 834 decided |
| 2 or more minority races | 64 | no rate: base under 50 |
| Joint | 44 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,716 | 37.3% of 1,929 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 840 | 26.4% of 652 decided |
| Not Hispanic or Latino | 7,071 | 34.5% of 5,249 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,493 | 37.4% of 1,771 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,730 | 35.7% of 2,731 decided |
| Female | 4,083 | 34.0% of 3,060 decided |
| Joint | 1,257 | 29.5% of 949 decided |
| Sex Not Available | 1,411 | 37.4% of 982 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. 981 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