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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in Clarke County, Georgia

Fat Boy Data analyzed investment property refinance activity in Clarke 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. 276 applications were decided by 51 lenders between 2023 and 2025.

Clarke County at a glance

51Active lenders3 with 20+ decisions
96.0%Market approval rate265 of 276 decided
$135KTypical loanmedian lender, $10K brackets
97%Borrower take-up258 loans funded

How Clarke County compares

Approval rate compared
Clarke County96.0%Georgia75.9%All 616 counties77.7%
Typical loan compared
Clarke County$135KGeorgia$195KAll 616 counties$235K

What the data shows

First American Bank and Trust Company made the most investment property refinances in Clarke County, GA, 68 of them.

That is 26% of every investment property refinance originated here, so this market is unusually concentrated in one lender.

First American Bank and Trust Company approved the highest share of applications among lenders with at least 20 decisions here, 100% of 68.

Lenders approved 96.0% of investment property refinance applications in Clarke County, GA, 20.1 percentage points above the Georgia rate of 75.9%.

The typical investment property refinance here is $135K, 31% smaller than the Georgia typical of $195K.

Investment property refinance lenders in Clarke County

LenderApprovalApprovedTaken upTypical loanLoans made
1First American Bank and Trust Company100%68 / 68100%$115K68
2The Commercial Bank98%42 / 43100%$135K42
3Classic City Bank100%33 / 33100%$175K33
4Synovus BankLimited sample94%16 / 17100%$165K16
5Kiavi Funding, Inc.Limited sample92%11 / 1291%$185K10

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 46 more lenders.

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