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Clay County, Georgia
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 96 mortgage applications in Clay County, Georgia, for 2024, and originated 42 loans worth $7.4m.
That is 34.1 originations per 1,000 households, against 55.9 for Georgia and 48.0 nationally.
The county's denial rate was 38.0%, above the state rate of 26.9%.
Originations were up 24% on 2023.
Most active lenders
No lender reaches 25 applications in the county.
Compared with Georgia and the nation
| Measure | This county | Georgia | United States |
|---|---|---|---|
| Denial rate | 38.0% | 26.9% | 24.3% |
| Median rate spread, pp | — | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | — | 17.5% | 15.6% |
| Average originated loan | $177k | $313k | $329k |
| Originations per 1,000 households | 34.1 | 55.9 | 48.0 |
| Home purchase share of originations | 50.0% | 57.0% | 57.0% |
| FHA-insured share | 7.1% | 18.3% | 13.4% |
| VA-guaranteed share | 9.5% | 11.6% | 7.9% |
Rate spread distribution
Withheld: fewer than 25 applications.
Loan purpose and loan type
By purpose
Home purchase 50% (21)Refinancing 38% (16)Cash-out refinancing 7% (3)Other purpose 5% (2)
By type
Conventional 83% (35)FHA 7% (3)VA 10% (4)
Trend by year
ApplicationsOriginations
This countyGeorgia
Questions and answers
Which lenders are most active in Clay County, GA?
No lender reaches 25 applications in the county.
What is the mortgage denial rate in Clay County?
38.0% of decided applications were denied in 2024, against 26.9% across Georgia and 24.3% nationally.
How many mortgages were originated in Clay County in 2024?
42 loans totalling $7.4m, from 96 applications; 34.1 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 13061; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.