Largest lenders in Clayton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 702 | 451 | 24.9% | 6.50% |
| 2 | United Shore Financial Services | B | 611 | 367 | 20.6% | 6.13% |
| 3 | Navy Federal Credit Union | D | 449 | 153 | 33.4% | 8.40% |
| 4 | Broker Solutions | D | 434 | 168 | 9.9% | 6.63% |
| 5 | Freedom Mortgage | B | 291 | 107 | 16.5% | 6.25% |
| 6 | Guild Mortgage | A | 277 | 188 | 6.5% | 5.99% |
| 7 | Newrez | D | 267 | 62 | 27.3% | 6.63% |
| 8 | American Financing | D | 259 | 54 | 57.5% | 6.19% |
| 9 | Pennymac Loan Services | C | 250 | 100 | 17.6% | 6.25% |
| 10 | Bank of America | F | 241 | 71 | 49.8% | 5.99% |
| 11 | Loandepot.Com | D | 238 | 116 | 26.9% | 6.49% |
| 12 | Mortgage Research Center | C | 230 | 100 | 20.4% | 6.50% |
| 13 | Delta Community Credit Union | C | 178 | 50 | 53.9% | 6.81% |
| 14 | AmeriSave Mortgage | D | 177 | 34 | 71.2% | 7.69% |
| 15 | Crosscountry Mortgage | B | 152 | 76 | 7.2% | 6.50% |
| 16 | Truist Bank | C | 142 | 43 | 47.9% | 6.88% |
| 17 | Everett Financial | C | 138 | 85 | 7.3% | 6.99% |
| 18 | Carrington Mortgage Services | D | 134 | 33 | 46.3% | 6.63% |
| 19 | JPMorgan Chase Bank | B | 131 | 75 | 16.8% | 6.50% |
| 20 | Ameris Bank | B | 116 | 75 | 11.2% | 6.38% |
| 21 | Kiavi Funding | D | 114 | 77 | 11.4% | 10.50% |
| 22 | Wells Fargo Bank | B | 112 | 43 | 23.2% | 6.38% |
| 23 | Lakeview Loan Servicing | C | 112 | 13 | 62.5% | 7.13% |
| 24 | Southeast Mortgage of Georgia | B | 107 | 62 | 2.8% | 6.50% |
| 25 | Village Capital & Investment | C | 98 | 24 | 23.5% | 5.75% |
Best approval odds in Clayton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Southeast Mortgage of Georgia | 65 | 4.6% |
| 2 | Coastal Community Bank | 55 | 5.5% |
| 3 | Guild Mortgage | 228 | 7.9% |
| 4 | Everett Financial | 97 | 10.3% |
| 5 | Renasant Bank | 53 | 11.3% |
| 6 | Crosscountry Mortgage | 90 | 12.2% |
| 7 | Kiavi Funding | 92 | 14.1% |
| 8 | Ameris Bank | 88 | 14.8% |
| 9 | Movement Mortgage | 79 | 15.2% |
| 10 | Nationstar Mortgage | 77 | 19.5% |
What Clayton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clayton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 10,244 | 4,457 | 27.2% | 6.75% | $185,000 |
| 2024 | 10,556 | 4,693 | 26.8% | 6.75% | $195,000 |
| 2025 | 10,481 | 4,690 | 25.4% | 6.63% | $195,000 |
Frequently asked questions
25.4% of applications in Clayton County were denied in 2025, against 19.2% statewide in Georgia.
Rocket Mortgage, with 702 applications in 2025 and a denial rate of 24.9%.
The median mortgage application in Clayton County in 2025 was for $195,000; the median property value on originated loans was $265,000.