Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Clay County, Florida
Every institution that decided a 1–4 unit mortgage application in Clay County, home to Green Cove Springs, between 2023 and 2025: 22,288 applications, 16,432 loans actually funded, across 8 kinds of borrowing.
Clay County at a glance
22,288Applications decided
2023–2025
16,432Loans funded
74% of decisions
45Census tracts
8 ZIP codes
223,436People
ACS 2023
What the data shows
The typical purchase mortgage here is $305K.
Investment home improvement is the hardest money to get here: lenders approved 47% of 101 applications.
Lending by loan type in Clay County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.5% | 12,179 | $305K | 97% | 397 |
| Home improvement loans | 59.0% | 1,820 | $65K | 93% | 91 |
| Cash-out refinance | 64.6% | 5,304 | $175K | 95% | 198 |
| Refinance | 72.2% | 1,909 | $335K | 88% | 190 |
| Investment property purchase | 81.6% | 669 | $205K | 96% | 157 |
| Investment cash-out refinance | 67.0% | 206 | $195K | 91% | 70 |
| Investment refinance | 66.0% | 100 | $195K | 94% | 43 |
| Investment home improvement | 46.5% | 101 | $85K | 85% | 28 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.