Clay County, AR Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 362 mortgage applications in Clay County, AR totaling $26.6 million, down 12% from 2015. The average application was for $73,000, and applicants reported an average income of $50,000. 51% of applications resulted in an originated loan and 29% were denied. The most active lender was First National Bank, with 85 applications, followed by Regions Bank and Centennial Bank.
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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 | 362 |
| Total Mortgage Loan Application Amount | $26,642,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $1,687,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $372,000 |
* 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 |
|---|---|---|---|---|
| First National Bank PO BOX 700 PARAGOULD, AR 72451 |
* | $ 1,011,891,000 | 85 | $ 4,848,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 68 | $ 3,350,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 9,264,881,000 | 16 | $ 1,157,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 11 | $ 742,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,790,125,000 | 11 | $ 619,000 |
| Focus Bank PO BOX 99 CHARLESTON, MO 63834 |
* | $ 722,830,000 | 8 | $ 348,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 8 | $ 684,000 |
| Unico Bank 625 VETERANS DR MINERAL POINT, MO 63660 |
* | $ 244,010,000 | 8 | $ 489,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 652,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 8 | $ 569,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 8 | $ 534,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 19,425,339,000 | 7 | $ 145,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 476,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 7 | $ 569,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 445,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 5 | $ 411,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 419,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 7,515,756,000 | 4 | $ 268,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 528,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 19,425,339,000 | 3 | $ 168,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 221,000 |
| Integrity First Bank, National Association 502 S HICKORY ST MOUNTAIN HOME, AR 72653 |
* | $ 431,724,000 | 3 | $ 149,000 |
| First Security Bank PO BOX 938 CONWAY, AR 72033 |
* | $ 4,903,891,000 | 3 | $ 293,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 89,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 2 | $ 150,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 211,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 2 | $ 52,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 144,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 283,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 258,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 1,330,996,000 | 2 | $ 221,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 211,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 110,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 2 | $ 19,000 |
| First Service Bank PO BOX 190 GREENBRIER, AR 72058 |
* | $ 264,095,000 | 2 | $ 3,086,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 2 | $ 143,000 |
| Equitable Mortgage 909 E REPUBLIC ROAD B200 SPRINGFIELD, MO 65807 |
* | $ 1,300,000 | 1 | $ 42,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ 390,027,000 | 1 | $ 242,000 |
| First National Bank of Commerce 206 W MAIN STREET WALNUT RIDGE, AR 72476 |
* | $ 193,397,000 | 1 | $ 132,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 484,559,000 | 1 | $ 82,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 367,680,000 | 1 | $ 52,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 866,511,000 | 1 | $ 167,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 75,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 164,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 35,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 105,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 24,483,687,000 | 1 | $ 269,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 94,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 15,843,566,000 | 1 | $ 55,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 85,426,845,000 | 1 | $ 126,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,622,999,000 | 1 | $ 7,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 393,454,000 | 1 | $ 97,000 |
The tables below break down 2016 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 2016
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 168 | $12,335,000 | $73,000 | $240,000 | $47,000 | $372,000 |
| Refinancing | 119 | $9,427,000 | $79,000 | $417,000 | $58,000 | $368,000 |
| Home Improvement | 75 | $4,880,000 | $65,000 | $1,687,000 | $44,000 | $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 | 326 | $21,148,000 | $64,000 | $417,000 | $53,000 | $372,000 |
| Not applicable | 20 | $4,359,000 | $217,000 | $1,687,000 | $0 | $0 |
| Not Provided | 12 | $917,000 | $76,000 | $164,000 | $60,000 | $111,000 |
| American Indian or Alaskan Native | 2 | $64,000 | $32,000 | $61,000 | $39,000 | $61,000 |
| Hispanic | 2 | $154,000 | $77,000 | $132,000 | $15,000 | $17,000 |
| Native Hawaiin or Other Pacific Islander | 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) | 261 | $16,918,000 | $64,000 | $1,687,000 | $56,000 | $372,000 |
| FHA-insured (Federal Housing Administration) | 54 | $4,330,000 | $80,000 | $218,000 | $45,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,231,000 | $115,000 | $1,399,000 | $27,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,163,000 | $113,000 | $417,000 | $23,000 | $111,000 |
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 | 184 | $13,936,000 | $75,000 | $1,687,000 | $53,000 | $372,000 |
| Application Denied By Financial Institution | 105 | $6,982,000 | $66,000 | $212,000 | $53,000 | $368,000 |
| Loan Purchased By The Institution | 32 | $2,319,000 | $72,000 | $218,000 | $20,000 | $106,000 |
| Application Withdrawn By Applicant | 18 | $1,768,000 | $98,000 | $417,000 | $44,000 | $103,000 |
| Application Approved But Not Accepted | 13 | $894,000 | $68,000 | $180,000 | $74,000 | $260,000 |
| File Closed For Incompleteness | 10 | $743,000 | $74,000 | $153,000 | $50,000 | $80,000 |
| 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 | 17 | $1,368,000 | $80,000 | $167,000 | $60,000 | $195,000 |
| Debt-To-Income Ratio | 9 | $422,000 | $46,000 | $118,000 | $56,000 | $118,000 |
| Collateral | 4 | $420,000 | $105,000 | $200,000 | $144,000 | $368,000 |
| Credit Application Incomplete | 3 | $278,000 | $92,000 | $169,000 | $88,000 | $144,000 |
| Unverifiable Information | 3 | $116,000 | $38,000 | $68,000 | $65,000 | $160,000 |
| Other | 2 | $141,000 | $70,000 | $126,000 | $41,000 | $55,000 |
| Employment History | 1 | $54,000 | $54,000 | $54,000 | $36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $88,000 | $88,000 | $88,000 | $40,000 | $40,000 |
| 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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