Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Clayton County, Georgia
Every institution that decided a 1–4 unit mortgage application in Clayton County, home to Forest Park, between 2023 and 2025: 20,718 applications, 12,896 loans actually funded, across 8 kinds of borrowing.
Clayton County at a glance
20,718Applications decided
2023–2025
12,896Loans funded
62% of decisions
70Census tracts
13 ZIP codes
298,771People
ACS 2023
What the data shows
Lenders approved 81.6% of home-purchase applications in Clayton County, 5.5 points below the Georgia rate.
The typical purchase mortgage here is $245K.
Investment home improvement is the hardest money to get here: lenders approved 34% of 201 applications.
Lending by loan type in Clayton County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 81.6% | 8,808 | $245K | 96% | 321 |
| Home improvement loans | 37.8% | 2,029 | $55K | 89% | 103 |
| Cash-out refinance | 54.5% | 5,711 | $165K | 93% | 214 |
| Refinance | 60.2% | 1,977 | $235K | 86% | 170 |
| Investment property purchase | 80.7% | 1,075 | $175K | 93% | 184 |
| Investment cash-out refinance | 68.0% | 618 | $155K | 91% | 134 |
| Investment refinance | 67.2% | 299 | $165K | 93% | 83 |
| Investment home improvement | 34.3% | 201 | $125K | 81% | 49 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.