Clay County, AR Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 343 mortgage applications in Clay County, AR totaling $23.9 million, up 9% from 2011. The average application was for $69,000, and applicants reported an average income of $49,000. 41% of applications resulted in an originated loan and 27% were denied. The most active lender was Regions Bank, with 59 applications, followed by Iberiabank and Wells Fargo 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 | 343 |
| Total Mortgage Loan Application Amount | $23,913,000 |
| Average Mortgage Loan Application Amount | $69,000 |
| Highest Mortgage Loan Application Amount | $408,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $733,000 |
* 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 BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 59 | $ 3,448,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 11,676,671,000 | 26 | $ 1,287,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 25 | $ 1,882,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 24 | $ 2,006,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 12,990,345,000 | 23 | $ 1,066,000 |
| Liberty Bank of Arkansas 2901 EAST HIGHLAND DRIVE JONESBORO, AR 72401 |
* | $ 2,806,967,000 | 22 | $ 1,813,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 1,483,000 |
| First Security Bank PO BOX 938 CONWAY, AR 72033 |
* | $ 4,011,366,000 | 14 | $ 1,030,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 12 | $ 854,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 448,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 7 | $ 382,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 7 | $ 375,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 6 | $ 317,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 5 | $ 843,000 |
| Simmons First Bank-Nea P.O. BOX 7509 JONESBORO, AR 72403 |
* | $ 340,348,000 | 5 | $ 281,000 |
| Focus Bank PO BOX 99 CHARLESTON, MO 63834 |
* | $ 659,415,000 | 5 | $ 170,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 11,676,671,000 | 4 | $ 305,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 413,191,000 | 3 | $ 228,000 |
| Integrity First Bank, National Association 502 S HICKORY ST MOUNTAIN HOME, AR 72653 |
* | $ 388,434,000 | 2 | $ 164,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 773,263,000 | 2 | $ 132,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 105,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 2 | $ 133,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 2 | $ 289,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 145,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 1,303,153,000 | 2 | $ 40,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 137,000 |
| Unico Bank 625 VETERANS DR MINERAL POINT, MO 63660 |
* | $ 229,816,000 | 2 | $ 44,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 1 | $ 143,000 |
| First Community Bank, Missouri 2911 N. WESTWOOD POPLAR BLUFF, MO 63901 |
* | $ 259,135,000 | 1 | $ 1,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 1,147,058,000 | 1 | $ 142,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 1 | $ 41,000 |
| Bank of Little Rock Mortgage Corporation 15909 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 182,179,000 | 1 | $ 48,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 71,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 120,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 63,000 |
| Reverse Mortgage USA, Inc. 6500 RIVER PLACE BLVD, BLDG 1, STE 425 AUSTIN, TX 78730 |
* | $ 3,305,000 | 1 | $ 150,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 69,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 220,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 78,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 1 | $ 10,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 1 | $ 136,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 128,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 240,000 |
| First Citizens National Bank NEWARK, OH 43055 |
* | $ 1,053,209,000 | 1 | $ 51,000 |
| First National Bank of Commerce 206 W MAIN STREET WALNUT RIDGE, AR 72476 |
* | $ 186,862,000 | 1 | $ 44,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 113,000 |
| Fme Federal Credit Union 29624 HARPER ST CLAIR SHORES, MI 48082 |
* | $ 74,764,000 | 1 | $ 40,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,562,678,000 | 1 | $ 27,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 150,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 984,290,000 | 1 | $ 35,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 791,266,000 | 1 | $ 195,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 71,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 92,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 59,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 77,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 150,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 89,000 |
The tables below break down 2012 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 2012
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 | 177 | $14,275,000 | $80,000 | $408,000 | $56,000 | $733,000 |
| Home Purchase | 136 | $8,952,000 | $65,000 | $399,000 | $40,000 | $262,000 |
| Home Improvement | 30 | $686,000 | $22,000 | $83,000 | $54,000 | $145,000 |
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 | 289 | $19,156,000 | $66,000 | $408,000 | $52,000 | $733,000 |
| Not Provided | 28 | $2,812,000 | $100,000 | $399,000 | $56,000 | $152,000 |
| Not applicable | 21 | $1,645,000 | $78,000 | $143,000 | $7,000 | $80,000 |
| American Indian or Alaskan Native | 2 | $173,000 | $86,000 | $92,000 | $58,000 | $70,000 |
| Hispanic | 2 | $80,000 | $40,000 | $46,000 | $66,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $47,000 | $47,000 | $47,000 | $19,000 | $19,000 |
| 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) | 229 | $15,172,000 | $66,000 | $408,000 | $56,000 | $733,000 |
| FHA-insured (Federal Housing Administration) | 65 | $5,092,000 | $78,000 | $187,000 | $36,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $2,310,000 | $64,000 | $143,000 | $33,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,339,000 | $103,000 | $161,000 | $38,000 | $102,000 |
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 | 141 | $10,049,000 | $71,000 | $408,000 | $57,000 | $701,000 |
| Application Denied By Financial Institution | 94 | $5,594,000 | $59,000 | $399,000 | $43,000 | $145,000 |
| Loan Purchased By The Institution | 46 | $3,557,000 | $77,000 | $195,000 | $33,000 | $152,000 |
| Application Withdrawn By Applicant | 31 | $2,366,000 | $76,000 | $240,000 | $40,000 | $180,000 |
| Application Approved But Not Accepted | 21 | $1,641,000 | $78,000 | $192,000 | $73,000 | $733,000 |
| File Closed For Incompleteness | 10 | $706,000 | $70,000 | $127,000 | $52,000 | $103,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $1,116,000 | $101,000 | $197,000 | $62,000 | $145,000 |
| Credit History | 9 | $322,000 | $35,000 | $81,000 | $43,000 | $90,000 |
| Debt-To-Income Ratio | 4 | $307,000 | $76,000 | $205,000 | $41,000 | $64,000 |
| Other | 3 | $249,000 | $83,000 | $150,000 | $98,000 | $131,000 |
| Unverifiable Information | 1 | $150,000 | $150,000 | $150,000 | $78,000 | $78,000 |
| Credit Application Incomplete | 1 | $195,000 | $195,000 | $195,000 | $0 | $0 |
| Employment History | 1 | $34,000 | $34,000 | $34,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $48,000 | $48,000 | $48,000 | $25,000 | $25,000 |
| 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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