Clay County, AR Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 316 mortgage applications in Clay County, AR totaling $21.0 million, down 11% from 2009. The average application was for $66,000, and applicants reported an average income of $44,000. 40% of applications resulted in an originated loan and 33% were denied. The most active lender was Regions Bank, with 45 applications, followed by Iberiabankfsb and Embrace Home Loans, Inc..
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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 | 316 |
| Total Mortgage Loan Application Amount | $20,996,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $368,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $379,000 |
* 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 |
* | $ 138,006,763,000 | 45 | $ 2,470,000 |
| Iberiabankfsb 5800 R STREET LITTLE ROCK, AR 72207 |
* | $ 1,528,983,000 | 40 | $ 1,186,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 32 | $ 2,211,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 23 | $ 1,636,000 |
| Liberty Bank of Arkansas 2901 EAST HIGHLAND DRIVE JONESBORO, AR 72401 |
* | $ 2,546,524,000 | 17 | $ 851,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 13 | $ 1,055,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 12 | $ 545,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 11 | $ 733,000 |
| Iberiabank Mortgage Company 12719 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 499,416,000 | 11 | $ 702,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,163,459,000 | 11 | $ 694,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 10 | $ 799,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 8 | $ 960,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 7 | $ 447,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 529,914,000 | 7 | $ 460,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 378,000 |
| First Security Bank PO BOX 938 CONWAY, AR 72033 |
* | $ 3,057,762,000 | 6 | $ 640,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 5 | $ 303,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 4 | $ 177,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 2 | $ 116,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 2 | $ 285,000 |
| Heritage Bank, NA 2009 BROWNS LANE JONESBORO, AR 72401 |
* | $ 276,984,000 | 2 | $ 187,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 176,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 2 | $ 236,000 |
| Focus Bank PO BOX 99 CHARLESTON, MO 63834 |
* | $ 607,507,000 | 2 | $ 98,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 119,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 132,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 2 | $ 229,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 2 | $ 219,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 128,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 16,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 351,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 351,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 100,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 37,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 345,000 |
| Success Credit Union P.O. BOX 467 BLYTHEVILLE, AR 72316 |
* | $ 85,275,000 | 1 | $ 30,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 257,702,000 | 1 | $ 149,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 80,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 151,583,000 | 1 | $ 34,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 127,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 140,000 |
| First National Bank of Eastern Arkansas 101 N WASHINGTON STREET FORREST CITY, AR 72335 |
* | $ 310,130,000 | 1 | $ 3,000 |
| Unico Bank 625 VETERANS DR MINERAL POINT, MO 63660 |
* | $ 200,756,000 | 1 | $ 23,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 119,000 |
| First Arkansas Mortgage Co P. O. BOX 6009 SHERWOOD, AR 72124 |
* | $ 30,000,000 | 1 | $ 106,000 |
| Bank of Little Rock 200 N STATE STREET LITTLE ROCK, AR 72201 |
* | $ 192,275,000 | 1 | $ 39,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 45,000 |
| First National Bank of Commerce 206 W MAIN STREET WALNUT RIDGE, AR 72476 |
* | $ 160,220,000 | 1 | $ 55,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 32,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 53,000 |
The tables below break down 2010 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 2010
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 | 186 | $14,402,000 | $77,000 | $368,000 | $47,000 | $379,000 |
| Home Purchase | 99 | $5,996,000 | $60,000 | $149,000 | $38,000 | $152,000 |
| Home Improvement | 31 | $598,000 | $19,000 | $75,000 | $40,000 | $127,000 |
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 | 270 | $17,556,000 | $65,000 | $368,000 | $45,000 | $379,000 |
| Not Provided | 30 | $2,500,000 | $83,000 | $148,000 | $43,000 | $255,000 |
| Hispanic | 8 | $418,000 | $52,000 | $88,000 | $25,000 | $51,000 |
| Not applicable | 4 | $399,000 | $99,000 | $157,000 | $36,000 | $91,000 |
| American Indian or Alaskan Native | 2 | $91,000 | $45,000 | $60,000 | $0 | $0 |
| Asian | 1 | $7,000 | $7,000 | $7,000 | $48,000 | $48,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $56,000 | $56,000 |
| 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) | 194 | $11,754,000 | $60,000 | $353,000 | $46,000 | $379,000 |
| FHA-insured (Federal Housing Administration) | 82 | $5,695,000 | $69,000 | $148,000 | $42,000 | $255,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,391,000 | $66,000 | $119,000 | $33,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,156,000 | $113,000 | $368,000 | $39,000 | $133,000 |
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 | 125 | $7,483,000 | $59,000 | $263,000 | $49,000 | $379,000 |
| Application Denied By Financial Institution | 103 | $6,830,000 | $66,000 | $368,000 | $41,000 | $255,000 |
| Application Withdrawn By Applicant | 39 | $3,143,000 | $80,000 | $353,000 | $42,000 | $144,000 |
| Loan Purchased By The Institution | 25 | $1,905,000 | $76,000 | $157,000 | $41,000 | $99,000 |
| Application Approved But Not Accepted | 14 | $690,000 | $49,000 | $110,000 | $37,000 | $73,000 |
| File Closed For Incompleteness | 10 | $945,000 | $94,000 | $131,000 | $19,000 | $73,000 |
| 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 | $1,022,000 | $37,000 | $105,000 | $34,000 | $75,000 |
| Collateral | 9 | $776,000 | $86,000 | $214,000 | $44,000 | $120,000 |
| Debt-To-Income Ratio | 7 | $579,000 | $82,000 | $141,000 | $40,000 | $97,000 |
| Other | 6 | $544,000 | $90,000 | $345,000 | $58,000 | $133,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $72,000 | $24,000 | $44,000 | $46,000 | $68,000 |
| Mortgage Insurance Denied | 1 | $351,000 | $351,000 | $351,000 | $145,000 | $145,000 |
| Credit Application Incomplete | 1 | $42,000 | $42,000 | $42,000 | $39,000 | $39,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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