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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Clayton County, Georgia

Fat Boy Data analyzed investment home improvement loan activity in Clayton County, Georgia to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 201 applications were decided by 49 lenders between 2023 and 2025.

Clayton County at a glance

49Active lenders1 with 20+ decisions
34.3%Market approval rate69 of 201 decided
$125KTypical loanmedian lender, $10K brackets
81%Borrower take-up56 loans funded

How Clayton County compares

Approval rate compared
Clayton County34.3%Georgia41.9%All 616 counties51.2%
Typical loan compared
Clayton County$125KGeorgia$105KAll 616 counties$115K

What the data shows

Rocket Mortgage, LLC made the most investment home improvement loans in Clayton County, GA, 6 of them.

Navy Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 19% of 37.

Lenders approved 34.3% of investment home improvement loan applications in Clayton County, GA, 7.6 percentage points below the Georgia rate of 41.9%.

The typical investment home improvement loan here is $125K, 19% larger than the Georgia typical of $105K.

No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Investment property improvement lenders in Clayton County

LenderApprovalApprovedTaken upTypical loanLoans made
1Navy Federal Credit Union19%7 / 3771%$105K5
2Delta Community Credit UnionLimited sample0%0 / 160
3Bank of America, National AssociationLimited sample7%1 / 15100%$155K1
4Figure Lending LLCLimited sample71%10 / 1450%$75K5
5Georgia's OwnLimited sample10%1 / 10100%$25K1

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 44 more lenders.

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