Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Clarke County, Georgia
Every institution that decided a 1–4 unit mortgage application in Clarke County, home to Athens, between 2023 and 2025: 5,900 applications, 4,674 loans actually funded, across 8 kinds of borrowing.
Clarke County at a glance
5,900Applications decided
2023–2025
4,674Loans funded
79% of decisions
34Census tracts
7 ZIP codes
129,267People
ACS 2023
What the data shows
The typical purchase mortgage here is $285K.
Home improvement loans is the hardest money to get here: lenders approved 64% of 684 applications.
Lending by loan type in Clarke County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.7% | 2,506 | $285K | 98% | 220 |
| Home improvement loans | 64.5% | 684 | $65K | 92% | 66 |
| Cash-out refinance | 68.5% | 830 | $165K | 95% | 118 |
| Refinance | 76.1% | 624 | $175K | 94% | 104 |
| Investment property purchase | 90.7% | 785 | $225K | 97% | 166 |
| Investment cash-out refinance | 77.9% | 140 | $175K | 89% | 61 |
| Investment refinance | 96.0% | 276 | $135K | 97% | 51 |
| Investment home improvement | 72.7% | 55 | $155K | 98% | 27 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.