Mortgage lenders in Clayton County
4,687 mortgages were made in Clayton County, Georgia, in 2025, by 401 lenders. The median rate their borrowers got was 6.575% on a median loan of $205,000. Of 7,717 decisions, 2,659 were denials — 34.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 451 | 6.500% | $185,000 | 27.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 367 | 6.125% | $245,000 | 25.1% |
| GUILD MORTGAGE COMPANY | 188 | 5.875% | $255,000 | 7.9% |
| Broker Solutions, Inc. | 168 | 6.500% | $215,000 | 19.9% |
| Navy Federal Credit Union | 153 | 8.400% | $85,000 | 48.7% |
| Loandepot.Com, LLC | 116 | 6.490% | $185,000 | 34.8% |
| FREEDOM MORTGAGE CORPORATION | 107 | 6.250% | $255,000 | 27.6% |
| PENNYMAC LOAN SERVICES, LLC | 100 | 6.250% | $205,000 | 29.0% |
| Mortgage Research Center, LLC | 100 | 6.500% | $265,000 | 31.5% |
| EVERETT FINANCIAL, INC. | 85 | 6.125% | $185,000 | 10.3% |
| Kiavi Funding, Inc. | 77 | 10.500% | $185,000 | 14.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 76 | 6.495% | $220,000 | 12.2% |
| JPMorgan Chase Bank, National Association | 75 | 6.500% | $185,000 | 22.0% |
| Ameris Bank | 75 | 6.125% | $205,000 | 14.8% |
| Bank of America, National Association | 71 | 5.990% | $185,000 | 62.2% |
| NEWREZ LLC | 62 | 6.625% | $195,000 | 53.7% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 62 | 6.063% | $225,000 | 4.6% |
| NATIONSTAR MORTGAGE LLC | 59 | 7.750% | $95,000 | 19.5% |
| MOVEMENT MORTGAGE, LLC | 58 | 6.375% | $245,000 | 15.2% |
| AMERICAN FINANCING CORPORATION | 54 | 6.188% | $155,000 | 68.8% |
| DELTA COMMUNITY CREDIT UNION | 50 | 6.813% | $115,000 | 64.9% |
| Renasant Bank | 45 | 6.125% | $265,000 | 11.3% |
| Truist Bank | 43 | 6.875% | $105,000 | 59.1% |
| Wells Fargo Bank, National Association | 43 | 6.375% | $185,000 | 37.7% |
| Paramount Residential Mortgage Group, Inc. | 43 | 6.500% | $215,000 | 4.4% |
| DHI MORTGAGE COMPANY, LTD. | 40 | 3.990% | $345,000 | 36.9% |
| AMWEST FUNDING CORP. | 38 | 6.875% | $175,000 | 2.6% |
| CALCON MUTUAL MORTGAGE LLC | 36 | 6.625% | $225,000 | 10.0% |
| AmeriSave Mortgage Corporation | 34 | 7.688% | $105,000 | 78.8% |
| Regions Bank | 34 | 6.563% | $205,000 | 47.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 34 | 6.813% | $215,000 | 19.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 33 | 6.625% | $195,000 | 59.6% |
| GUARANTEED RATE, INC. | 33 | 6.575% | $205,000 | 23.4% |
| ZILLOW HOME LOANS, LLC | 32 | 6.500% | $235,000 | 5.9% |
| LOWER, LLC | 31 | 6.250% | $205,000 | 35.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 31 | 7.000% | $205,000 | 36.7% |
| First Option Mortgage, LLC | 31 | 7.875% | $175,000 | 5.1% |
| US MORTGAGE CORPORATION | 31 | 6.750% | $255,000 | 11.4% |
| Equity Prime Mortgage LLC | 27 | 6.500% | $225,000 | 38.6% |
| CANOPY MORTGAGE, LLC | 26 | 6.125% | $285,000 | 0.0% |
| GEORGIA'S OWN | 25 | 8.050% | $55,000 | 61.1% |
| PNC Bank, National Association | 25 | 5.625% | $85,000 | 61.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 24 | 5.750% | $260,000 | 33.3% |
| PLANET HOME LENDING, LLC | 24 | 5.990% | $245,000 | 20.0% |
| GEORGIA UNITED | 23 | 7.500% | $85,000 | 42.9% |
| United Community Bank | 22 | 6.188% | $230,000 | 46.3% |
| Loan Funder LLC | 22 | 9.250% | $150,000 | 21.4% |
| FIGURE LENDING LLC | 21 | 8.900% | $55,000 | 44.4% |
| Prosperity Home Mortgage, LLC | 21 | 5.990% | $225,000 | 32.3% |
| ACOPIA, LLC | 21 | 5.875% | $175,000 | 12.0% |
| NEW DAY FINANCIAL, LLC | 20 | 7.245% | $240,000 | 61.5% |
| GUARANTEED RATE AFFINITY, LLC | 20 | 6.750% | $220,000 | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 20 | 5.875% | $250,000 | 22.9% |
| Fairway Independent Mortgage Corporation | 20 | 6.500% | $190,000 | 0.0% |
| KIND LENDING, LLC | 19 | 6.990% | $235,000 | 39.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | 19 | 6.990% | $205,000 | 29.6% |
| PLAZA HOME MORTGAGE, INC. | 19 | 7.250% | $195,000 | 32.3% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 18 | 5.933% | $215,000 | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 18 | 5.995% | $215,000 | 0.0% |
| ATLANTA POSTAL | 17 | 8.500% | $75,000 | 48.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.750% | $235,000 | 48.6% |
| CHAMPIONS FUNDING, LLC | 17 | 7.625% | $195,000 | 26.1% |
| NFM, INC. | 17 | 6.250% | $205,000 | 0.0% |
| Coastal Community Bank | 16 | 11.365% | $25,000 | 5.5% |
| Click n' Close, Inc. | 16 | 6.750% | $215,000 | 20.0% |
| GoodLeap, LLC | 16 | 6.688% | $130,000 | 40.6% |
| TRIAD FINANCIAL SERVICES, INC. | 15 | 8.500% | $25,000 | 53.8% |
| SPRING EQ, LLC | 15 | 9.350% | $65,000 | 71.4% |
| LENDINGONE, LLC | 15 | 8.825% | $205,000 | 48.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.625% | $275,000 | 15.8% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 15 | 10.220% | $155,000 | 30.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 15 | 7.125% | $285,000 | 5.9% |
| Presidential Bank, FSB | 15 | 6.125% | $245,000 | 21.1% |
| Associated Credit Union | 14 | 7.125% | $65,000 | 22.2% |
| TOP FLITE FINANCIAL, INC. | 14 | 6.375% | $210,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 14 | 6.933% | $245,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 7.125% | $215,000 | 71.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 5.990% | $235,000 | 46.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 6.250% | $235,000 | 31.6% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 13 | 6.125% | $235,000 | 13.3% |
| A&D Mortgage LLC | 12 | 7.313% | $155,000 | 7.7% |
| Easy Street Capital, LLC | 12 | 9.900% | $185,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 11 | 7.125% | $145,000 | 63.6% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 11 | 6.750% | $245,000 | 15.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11 | 6.875% | $215,000 | 26.7% |
| UNION HOME MORTGAGE CORP. | 11 | 6.500% | $275,000 | 15.4% |
| ROYAL UNITED MORTGAGE LLC | 11 | 6.875% | $125,000 | 21.4% |
| MILEND, INC. | 10 | 6.375% | $225,000 | 42.9% |
| The Federal Savings Bank | 10 | 6.813% | $200,000 | 15.4% |
| OCMBC, INC. | 10 | 7.375% | $250,000 | 13.6% |
| PHH Mortgage Corporation | 10 | 6.625% | $195,000 | 16.7% |
| Hometown Equity Mortgage, LLC | 10 | 7.188% | $215,000 | 61.5% |
| LoanUnited.com, LLC | 10 | 6.125% | $280,000 | 9.1% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.625% | $185,000 | 58.3% |
| THE LOAN STORE, INC. | 10 | 6.375% | $170,000 | 27.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | 6.558% | $185,000 | 16.7% |
| Cadence Bank | 10 | 5.875% | $235,000 | 23.1% |
| BoxCar Mortgage, LLC | 10 | 6.500% | $205,000 | 16.7% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 59.1% |
| 254900CTT87ZKAUTIJ37 | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Synovus Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 38.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 25.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GENWAY HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 46.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| East West Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 15.4% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| SUMMIT FUNDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage Right | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| ARBOR REALTY TRUST, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 90.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| FlexPoint, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 81.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| SouthState Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Onward Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Talbot State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AML FUNDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 87.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wings Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 37.5% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| THE SOUTHERN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 42.9% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ALAMEDA MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PromiseOne Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Constant Investments, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 90.9% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ITHINK FINANCIAL Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Bank OZK | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 201 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Clayton County
23 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 5 | $304.8 million |
| Wells Fargo Bank, National Association | 4 | $566.5 million |
| Bank of America, National Association | 3 | $696.2 million |
| JPMorgan Chase Bank, National Association | 2 | $220.6 million |
| Renasant Bank | 2 | $126.7 million |
| PNC Bank, National Association | 2 | $56.7 million |
| Woodforest National Bank | 2 | $7.4 million |
| Regions Bank | 1 | $33.5 million |
| Ameris Bank | 1 | $33.1 million |
| Bank OZK | 1 | $1.1 million |
Get told when this changes
When the next year’s lending figures are out for Clayton County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.