Clay County, AR Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 332 mortgage applications in Clay County, AR totaling $27.6 million, down 3% from 2018. The average application was for $83,000, and applicants reported an average income of $65,000. 47% of applications resulted in an originated loan and 23% were denied. The most active lender was First National Bank, with 76 applications, followed by 21st Mortgage and PennyMac Loan Services LLC.
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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 | 332 |
| Total Mortgage Loan Application Amount | $27,570,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $421,000 |
* 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 |
* | $ 1,625,199,000 | 76 | $ 5,540,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 14 | $ 940,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 14 | $ 1,310,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 11 | $ 1,055,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 11 | $ 1,035,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 15,291,497,000 | 10 | $ 770,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 10 | $ 530,000 |
| First Security Bank PO BOX 938 CONWAY, AR 72033 |
* | $ 5,261,829,000 | 9 | $ 1,045,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 9 | $ 655,000 |
| Focus Bank PO BOX 99 CHARLESTON, MO 63834 |
* | $ 738,397,000 | 8 | $ 480,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 7 | $ 515,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 30,737,643,000 | 6 | $ 710,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 515,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 2,197,497,000 | 5 | $ 395,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 5 | $ 215,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 4 | $ 400,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 330,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 300,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 4 | $ 260,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 4 | $ 340,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 3 | $ 145,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 187,387,000 | 3 | $ 295,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 3 | $ 295,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 145,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 18,449,940,000 | 3 | $ 195,000 |
| Peoples Community Bank PO BOX 350 GREENVILLE, MO 63944 |
* | $ 469,116,000 | 3 | $ 275,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 3 | $ 295,000 |
| Unico Bank 625 VETERANS DR MINERAL POINT, MO 63660 |
* | $ 300,878,000 | 3 | $ 225,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 18,008,424,000 | 2 | $ 50,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 2 | $ 250,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 170,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 1,044,399,000 | 2 | $ 230,000 |
| The Farmers & Merchants Bank 708 S MAIN ST STUTTGART, AR 72160 |
* | $ 1,063,088,000 | 2 | $ 150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 300,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 230,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 2 | $ 100,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 2 | $ 210,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 140,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 180,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 190,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 2 | $ 140,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 95,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 115,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 25,000 |
| Cross County Bank P. O. BOX 9 WYNNE, AR 72396 |
* | $ 240,671,000 | 1 | $ 15,000 |
| Success Credit Union P.O. BOX 467 BLYTHEVILLE, AR 72316 |
* | $ 121,837,000 | 1 | $ 45,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 85,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 45,000 |
| Enterprise Bank of Sc 13497 BROXTON BRIDGE RD EHRHARDT, SC 29081 |
* | $ 328,504,000 | 1 | $ 75,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 95,000 |
| First Midwest Bank of the Ozarks P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD POPLAR BLUFF, MO 63901 |
* | $ 421,992,000 | 1 | $ 15,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 135,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 285,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ 1,471,542,000 | 1 | $ 145,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 65,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 1 | $ 85,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 85,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 55,000 |
| Integrity First Bank, National Association 502 S HICKORY ST MOUNTAIN HOME, AR 72653 |
* | $ 525,645,000 | 1 | $ 55,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 195,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 182,504,000 | 1 | $ 105,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 145,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 55,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 45,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 1 | $ 105,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 1 | $ 155,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 32,077,582,000 | 1 | $ 45,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 145,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 45,000 |
| F&M Bank 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 1,105,154,000 | 1 | $ 185,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 1,773,230,000 | 1 | $ 55,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 35,000 |
| Sterling Bank P O BOX 460, 1100 STERLING DRIVE POPLAR BLUFF, MO 63902 |
* | $ 1,243,764,000 | 1 | $ 45,000 |
| Bank of Little Rock Mortgage Corporation 15909 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ -1,000 | 1 | $ 55,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2019 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 2019
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 | 214 | $17,910,000 | $83,000 | $285,000 | $63,000 | $421,000 |
| Refinancing | 54 | $4,930,000 | $91,000 | $275,000 | $78,000 | $273,000 |
| Cash-out Refinancing | 26 | $2,470,000 | $95,000 | $185,000 | $54,000 | $100,000 |
| Other Purpose | 18 | $1,430,000 | $79,000 | $435,000 | $72,000 | $240,000 |
| Home Improvement | 12 | $480,000 | $40,000 | $85,000 | $68,000 | $143,000 |
| Not Applicable | 8 | $350,000 | $43,000 | $95,000 | $0 | $0 |
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 | 254 | $21,070,000 | $82,000 | $435,000 | $66,000 | $421,000 |
| Not applicable | 45 | $3,485,000 | $77,000 | $165,000 | $50,000 | $66,000 |
| Not Provided | 26 | $2,440,000 | $93,000 | $275,000 | $55,000 | $208,000 |
| Hispanic | 3 | $235,000 | $78,000 | $125,000 | $67,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $140,000 | $70,000 | $115,000 | $109,000 | $164,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $38,000 | $38,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $48,000 | $48,000 |
| Asian | 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) | 199 | $15,185,000 | $76,000 | $435,000 | $72,000 | $421,000 |
| FHA-insured (Federal Housing Administration) | 57 | $5,315,000 | $93,000 | $275,000 | $57,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 56 | $4,720,000 | $84,000 | $165,000 | $40,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,350,000 | $117,000 | $285,000 | $59,000 | $119,000 |
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 | 157 | $12,505,000 | $79,000 | $285,000 | $69,000 | $421,000 |
| Application Denied By Financial Institution | 75 | $6,315,000 | $84,000 | $275,000 | $56,000 | $188,000 |
| Loan Purchased By The Institution | 50 | $4,040,000 | $80,000 | $185,000 | $52,000 | $90,000 |
| Application Withdrawn By Applicant | 29 | $2,945,000 | $101,000 | $435,000 | $84,000 | $240,000 |
| File Closed For Incompleteness | 16 | $1,290,000 | $80,000 | $155,000 | $46,000 | $84,000 |
| Application Approved But Not Accepted | 5 | $475,000 | $95,000 | $195,000 | $93,000 | $208,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 235 | $19,685,000 | $83,000 | $435,000 | $67,000 | $421,000 |
| Debt-To-Income Ratio | 37 | $2,705,000 | $73,000 | $175,000 | $64,000 | $232,000 |
| Credit History | 35 | $2,655,000 | $75,000 | $185,000 | $58,000 | $164,000 |
| Collateral | 8 | $1,040,000 | $130,000 | $275,000 | $78,000 | $188,000 |
| Other | 6 | $530,000 | $88,000 | $155,000 | $54,000 | $77,000 |
| Credit Application Incomplete | 5 | $475,000 | $95,000 | $115,000 | $65,000 | $73,000 |
| Unverifiable Information | 2 | $120,000 | $60,000 | $85,000 | $45,000 | $55,000 |
| Employment History | 2 | $120,000 | $60,000 | $85,000 | $41,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $240,000 | $120,000 | $195,000 | $41,000 | $49,000 |
| 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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