Georgia · HMDA 2025
Mortgage lenders in Clay County, GA
41 lenders reported 82 home-loan applications in Clay County in 2025. 42 closed as loans ($5.0M), 12 were denied — a 20.3% denial rate on decided applications, below the Georgia rate of 24.9%. The three most active lenders handled 32% of applications, led by First State Bank of Blakely. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 82
- Loans originated
- 42
- Purchase / refinance
- 12 / 26
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First State Bank of Blakely | 12 | 14.6% | — |
| 2 | 21st Mortgage Corporation | 9 | 11.0% | — |
| 3 | Georgia Community Bank 78 out of 100, Strong | 5 | 6.1% | 1.3% |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | 4.9% | — |
| 5 | Regions Bank 64 out of 100, Moderate | 4 | 4.9% | 43.1% |
| 6 | Five Star Credit Union 72 out of 100, Strong | 4 | 4.9% | 27.7% |
| 7 | MOVEMENT MORTGAGE, LLC | 3 | 3.7% | — |
| 8 | Bank of Dawson 94 out of 100, Very strong | 3 | 3.7% | 10.5% |
| 9 | AmeriSave Mortgage Corporation | 2 | 2.4% | — |
| 10 | Rocket Mortgage, LLC | 2 | 2.4% | — |
| 11 | Mortgage Research Center, LLC | 2 | 2.4% | — |
| 12 | NEW DAY FINANCIAL, LLC | 2 | 2.4% | — |
| 13 | PeoplesSouth Bank 69 out of 100, Moderate | 2 | 2.4% | 5.5% |
| 14 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 1.2% | 32.9% |
| 15 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 1.2% | 22.2% |
| 16 | Loandepot.Com, LLC | 1 | 1.2% | — |
| 17 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 1.2% | — |
| 18 | Discover Bank | 1 | 1.2% | — |
| 19 | PENNYMAC LOAN SERVICES, LLC | 1 | 1.2% | — |
| 20 | SPRING EQ, LLC | 1 | 1.2% | — |
| 21 | Lendage, LLC | 1 | 1.2% | — |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 1.2% | — |
| 23 | First State Bank 77 out of 100, Strong | 1 | 1.2% | 0.6% |
| 24 | GEORGIA'S OWN | 1 | 1.2% | — |
| 25 | GENEVA FINANCIAL, LLC | 1 | 1.2% | — |
| 26 | PLANET HOME LENDING, LLC | 1 | 1.2% | — |
| 27 | Renasant Bank 64 out of 100, Moderate | 1 | 1.2% | 11.6% |
| 28 | Prosperity Home Mortgage, LLC | 1 | 1.2% | — |
| 29 | BankPlus 71 out of 100, Strong | 1 | 1.2% | 12.2% |
| 30 | RUOFF MORTGAGE COMPANY, INC. | 1 | 1.2% | — |
| 31 | FREEDOM MORTGAGE CORPORATION | 1 | 1.2% | — |
| 32 | KIND LENDING, LLC | 1 | 1.2% | — |
| 33 | Valon Mortgage, Inc. | 1 | 1.2% | — |
| 34 | CARRINGTON MORTGAGE SERVICES, LLC | 1 | 1.2% | — |
| 35 | ROYAL UNITED MORTGAGE LLC | 1 | 1.2% | — |
| 36 | VILLAGE CAPITAL & INVESTMENT LLC | 1 | 1.2% | — |
| 37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | 1.2% | — |
| 38 | RELIANCE FIRST CAPITAL, LLC | 1 | 1.2% | — |
| 39 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 1 | 1.2% | 9.1% |
| 40 | First Federal Bank 50 out of 100, Below average | 1 | 1.2% | 13.5% |
Top 40 of 41 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Georgia
- Fulton County 49,328 apps
- Gwinnett County 42,155 apps
- Cobb County 35,482 apps
- DeKalb County 32,023 apps
- Cherokee County 16,444 apps
- Forsyth County 15,824 apps
- Henry County 15,743 apps
- Chatham County 14,732 apps
- Clayton County 11,733 apps
- Paulding County 11,046 apps
- Hall County 9,711 apps
- Houston County 9,273 apps