Clay County
Georgia · FIPS 13061
According to CFPB HMDA 2024 application volume among U.S. counties, Clay County ranks #2,843 of 3,210, and #150 of 159 in Georgia.
Mortgage lending activity in Clay County, Georgia based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Clay County, Georgia saw 102 HMDA-reported mortgage applications in 2024. Lenders originated 42 of those loans and denied 30, producing a denial rate of 29.4% and an approval (origination) rate of 41.2%. The average loan amount was $160,098 at an average note rate of 7.48%, with applicants self-reporting average annual income of $40K. 23 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Clay County
In Clay County, lead originator Georgia Community Bank funded 19.0% of 42 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 40.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Clay County's 102 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Clay County's $160,098 average loan (deduped against volume peers).
Lenders active in Clay County
Georgia Community Bank funded 8 of the 42 loans originated in Clay County, 19.0% of the county. 23 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Georgia Community Bank | 8 | 19.0% |
| 2 | First State Bank of Blakely | 6 | 14.3% |
| 3 | United Wholesale Mortgage | 3 | 7.1% |
| 4 | Five Star Credit Union | 3 | 7.1% |
| 5 | Movement Mortgage, LLC | 2 | 4.8% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Clay County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Clay County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.