Clay County, AR Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 356 mortgage applications in Clay County, AR totaling $22.9 million, down 19% from 2008. The average application was for $64,000, and applicants reported an average income of $46,000. 44% of applications resulted in an originated loan and 22% were denied. The most active lender was Regions Bank, with 52 applications, followed by Embrace Home Loans, Inc. and JPMorgan Chase Bank, NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 356 |
| Total Mortgage Loan Application Amount | $22,878,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $452,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $386,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 52 | $ 2,376,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 41 | $ 2,599,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 27 | $ 1,858,000 |
| Iberiabankfsb 5800 R STREET LITTLE ROCK, AR 72207 |
* | $ 1,512,499,000 | 26 | $ 893,000 |
| Liberty Bank of Arkansas 2901 EAST HIGHLAND DRIVE JONESBORO, AR 72401 |
* | $ 2,615,639,000 | 19 | $ 799,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 17 | $ 1,614,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 15 | $ 1,295,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 15 | $ 712,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,488,870,000 | 14 | $ 569,000 |
| First Security Bank PO BOX 938 CONWAY, AR 72033 |
* | $ 2,420,553,000 | 11 | $ 786,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 10 | $ 1,068,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 8 | $ 783,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 433,000 |
| Iberiabank Mortgage Company 12719 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 499,416,000 | 7 | $ 442,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 454,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 6 | $ 503,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 4 | $ 281,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 398,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 229,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 3 | $ 259,000 |
| Focus Bank PO BOX 99 CHARLESTON, MO 63834 |
* | $ 566,447,000 | 3 | $ 78,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 3 | $ 120,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 2 | $ 114,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 2 | $ 110,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 325,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 2 | $ 141,000 |
| Unico Bank 625 VETERANS DR MINERAL POINT, MO 63660 |
* | $ 185,983,000 | 2 | $ 96,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 175,104,000 | 2 | $ 181,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 2 | $ 125,000 |
| First Century Bank, National Association 807 DORSEY ST GAINESVILLE, GA 30501 |
* | $ 62,905,000 | 2 | $ 593,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 113,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 14,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 95,000 |
| Success Credit Union P.O. BOX 467 BLYTHEVILLE, AR 72316 |
* | $ 78,840,000 | 2 | $ 161,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 366,000 |
| First South Financial Federal Credit Union 6471 STAGE RD, STE 101 BARTLETT, TN 38134 |
* | $ 331,007,000 | 1 | $ 65,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 94,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ 10,000,000 | 1 | $ 43,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 28,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 54,000 |
| National Bank of Arkansas 4004 MCCAIN BLVD NORTH LITTLE ROCK, AR 72116 |
* | $ 203,910,000 | 1 | $ 104,000 |
| Integrity First Bank, National Association 502 S HICKORY ST MOUNTAIN HOME, AR 72653 |
* | $ 354,738,000 | 1 | $ 58,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 5,000 |
| Simmons First National Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 1,424,029,000 | 1 | $ 40,000 |
| First National Bank of Commerce 206 W MAIN STREET WALNUT RIDGE, AR 72476 |
* | $ 142,267,000 | 1 | $ 34,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 601,167,000 | 1 | $ 38,000 |
| The Mortgage Bank of Arkansas 11715 RAINWOOD ROAD C-1 LITTLE ROCK, AR 72212 |
* | $ 143,454,000 | 1 | $ 112,000 |
| First Community Bank, Missouri 2911 N. WESTWOOD POPLAR BLUFF, MO 63901 |
* | $ 234,539,000 | 1 | $ 1,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 133,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 147,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,503,790,000 | 1 | $ 252,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 9,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 33,000 |
The tables below break down 2009 mortgage applications in Clay County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Clay County, AR in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 193 | $14,182,000 | $73,000 | $452,000 | $49,000 | $386,000 |
| Home Purchase | 125 | $8,094,000 | $64,000 | $182,000 | $43,000 | $275,000 |
| Home Improvement | 38 | $602,000 | $15,000 | $116,000 | $34,000 | $112,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 285 | $17,516,000 | $61,000 | $230,000 | $47,000 | $386,000 |
| Not Provided | 41 | $3,240,000 | $79,000 | $252,000 | $47,000 | $201,000 |
| Not applicable | 27 | $1,595,000 | $59,000 | $147,000 | $27,000 | $74,000 |
| Hispanic | 3 | $527,000 | $175,000 | $452,000 | $86,000 | $201,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 208 | $11,840,000 | $56,000 | $452,000 | $51,000 | $386,000 |
| FHA-insured (Federal Housing Administration) | 91 | $7,183,000 | $78,000 | $252,000 | $46,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $3,335,000 | $65,000 | $172,000 | $28,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 6 | $520,000 | $86,000 | $138,000 | $13,000 | $50,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 155 | $9,573,000 | $61,000 | $452,000 | $49,000 | $386,000 |
| Application Denied By Financial Institution | 80 | $4,742,000 | $59,000 | $241,000 | $44,000 | $360,000 |
| Loan Purchased By The Institution | 57 | $3,895,000 | $68,000 | $251,000 | $32,000 | $201,000 |
| Application Withdrawn By Applicant | 43 | $3,210,000 | $74,000 | $216,000 | $46,000 | $165,000 |
| Application Approved But Not Accepted | 12 | $816,000 | $68,000 | $174,000 | $83,000 | $275,000 |
| File Closed For Incompleteness | 9 | $642,000 | $71,000 | $141,000 | $46,000 | $158,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 27 | $625,000 | $23,000 | $98,000 | $36,000 | $123,000 |
| Debt-To-Income Ratio | 11 | $1,115,000 | $101,000 | $230,000 | $11,000 | $27,000 |
| Collateral | 9 | $744,000 | $82,000 | $133,000 | $57,000 | $78,000 |
| Credit Application Incomplete | 2 | $156,000 | $78,000 | $122,000 | $66,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $53,000 | $26,000 | $49,000 | $55,000 | $76,000 |
| Other | 1 | $118,000 | $118,000 | $118,000 | $360,000 | $360,000 |
| Unverifiable Information | 1 | $110,000 | $110,000 | $110,000 | $68,000 | $68,000 |
| Employment History | 1 | $43,000 | $43,000 | $43,000 | $10,000 | $10,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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