Home purchase lenders in Clayton County
2,523 home purchase mortgages were made in Clayton County, Georgia, in 2025, by 282 lenders. The median rate their borrowers got was 6.500% on a median loan of $235,000. Of 3,267 decisions, 627 were denials — 19.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 198 | 6.500% | $235,000 | 16.2% |
| GUILD MORTGAGE COMPANY | 181 | 5.875% | $255,000 | 7.8% |
| Rocket Mortgage, LLC | 153 | 6.500% | $225,000 | 22.9% |
| Broker Solutions, Inc. | 123 | 6.375% | $235,000 | 7.5% |
| EVERETT FINANCIAL, INC. | 81 | 6.000% | $185,000 | 9.8% |
| Mortgage Research Center, LLC | 77 | 6.625% | $265,000 | 14.1% |
| Ameris Bank | 70 | 6.125% | $215,000 | 7.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 63 | 6.490% | $245,000 | 1.5% |
| Kiavi Funding, Inc. | 58 | 11.240% | $185,000 | 13.2% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 57 | 6.125% | $225,000 | 5.0% |
| MOVEMENT MORTGAGE, LLC | 52 | 6.250% | $250,000 | 16.2% |
| Loandepot.Com, LLC | 46 | 6.375% | $275,000 | 25.8% |
| JPMorgan Chase Bank, National Association | 44 | 6.500% | $235,000 | 20.0% |
| DHI MORTGAGE COMPANY, LTD. | 40 | 3.990% | $345,000 | 36.9% |
| Paramount Residential Mortgage Group, Inc. | 40 | 6.563% | $225,000 | 4.7% |
| Bank of America, National Association | 39 | 5.375% | $245,000 | 23.5% |
| Renasant Bank | 38 | 6.000% | $275,000 | 7.1% |
| CALCON MUTUAL MORTGAGE LLC | 35 | 6.625% | $225,000 | 7.9% |
| Navy Federal Credit Union | 33 | 6.750% | $235,000 | 25.5% |
| ZILLOW HOME LOANS, LLC | 32 | 6.500% | $235,000 | 5.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 32 | 6.750% | $225,000 | 15.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 27 | 7.000% | $205,000 | 38.6% |
| First Option Mortgage, LLC | 27 | 7.750% | $175,000 | 5.7% |
| CANOPY MORTGAGE, LLC | 26 | 6.125% | $285,000 | 0.0% |
| US MORTGAGE CORPORATION | 26 | 6.750% | $255,000 | 13.3% |
| AMWEST FUNDING CORP. | 25 | 6.875% | $185,000 | 3.9% |
| LOWER, LLC | 25 | 6.250% | $215,000 | 24.2% |
| Regions Bank | 23 | 6.500% | $265,000 | 14.7% |
| GUARANTEED RATE, INC. | 21 | 6.500% | $225,000 | 22.2% |
| DELTA COMMUNITY CREDIT UNION | 20 | 6.125% | $235,000 | 31.0% |
| ACOPIA, LLC | 19 | 5.875% | $175,000 | 13.0% |
| United Community Bank | 18 | 6.125% | $235,000 | 35.7% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 18 | 5.933% | $215,000 | 0.0% |
| Wells Fargo Bank, National Association | 17 | 6.375% | $225,000 | 34.6% |
| KIND LENDING, LLC | 17 | 6.875% | $245,000 | 40.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 17 | 5.990% | $215,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 16 | 6.750% | $225,000 | 11.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | 16 | 6.933% | $210,000 | 27.3% |
| Fairway Independent Mortgage Corporation | 16 | 6.490% | $205,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 15 | 8.500% | $25,000 | 53.8% |
| PENNYMAC LOAN SERVICES, LLC | 15 | 6.499% | $235,000 | 19.1% |
| Click n' Close, Inc. | 14 | 6.750% | $215,000 | 22.2% |
| Presidential Bank, FSB | 14 | 6.125% | $255,000 | 22.2% |
| Loan Funder LLC | 14 | 9.500% | $150,000 | 6.7% |
| AMERICAN FINANCING CORPORATION | 14 | 6.875% | $215,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 13 | 7.250% | $195,000 | 28.6% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 13 | 6.125% | $235,000 | 13.3% |
| NATIONS DIRECT MORTGAGE, LLC | 13 | 6.875% | $255,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 12 | 6.000% | $185,000 | 20.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 11 | 5.990% | $235,000 | 50.0% |
| Equity Prime Mortgage LLC | 11 | 6.625% | $225,000 | 45.0% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.250% | $275,000 | 42.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 6.250% | $175,000 | 35.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 11 | 7.250% | $285,000 | 8.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.813% | $220,000 | 23.1% |
| BoxCar Mortgage, LLC | 10 | 6.500% | $205,000 | 16.7% |
| NFM, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 16.7% |
| Truist Bank | 8 | Under 10 loans | Under 10 loans | 42.9% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 46.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Mortgage Right | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| SUMMIT FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Capital City Home Loans, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 61.5% |
| East West Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Synovus Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 42.9% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| GEO-CORP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE ASSURANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 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% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GEORGIA UNITED | 3 | Under 10 loans | Under 10 loans | 62.5% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Onward Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| United Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Constant Investments, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 89.5% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ATLANTA POSTAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SHELTER HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Talbot State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEACH STATE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 212 LOANS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerceone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INSPIRE HOME LOANS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sharefax Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | 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 82 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.