Clay County, AR Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 548 mortgage applications in Clay County, AR totaling $53.2 million, up 65% from 2019. The average application was for $97,000, and applicants reported an average income of $62,000. 52% of applications resulted in an originated loan and 14% were denied. The most active lender was First National Bank, with 95 applications, followed by Das Acquisition Company, LLC and Regions 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 | 548 |
| Total Mortgage Loan Application Amount | $53,200,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $995,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $898,000 |
* 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 |
* | $ 1,627,120,000 | 95 | $ 7,235,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 41 | $ 3,925,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 36 | $ 2,780,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 25 | $ 3,205,000 |
| First Security Bank PO BOX 938 CONWAY, AR 72033 |
* | $ 5,828,222,000 | 21 | $ 2,125,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 15,015,801,000 | 20 | $ 1,280,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 2,298,764,000 | 19 | $ 1,975,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 17 | $ 1,235,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 15 | $ 2,025,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 14 | $ 1,440,000 |
| Focus Bank PO BOX 99 CHARLESTON, MO 63834 |
* | $ 772,906,000 | 13 | $ 1,075,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ 1,521,073,000 | 13 | $ 2,505,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 13 | $ 1,115,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 13 | $ 1,195,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 9 | $ 825,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,043,000 | 7 | $ 615,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 6 | $ 530,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 21,061,188,000 | 6 | $ 860,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 6 | $ 630,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 710,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 5 | $ 285,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 31,614,914,000 | 4 | $ 300,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 4 | $ 390,000 |
| The Farmers & Merchants Bank 708 S MAIN ST STUTTGART, AR 72160 |
* | $ 1,493,989,000 | 4 | $ 180,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 4 | $ 200,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 410,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 3 | $ 285,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 3 | $ 235,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 265,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 3 | $ 245,000 |
| F&M Bank 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 1,171,241,000 | 3 | $ 635,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 285,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 165,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 445,000 |
| Peoples Community Bank PO BOX 350 GREENVILLE, MO 63944 |
* | $ 489,241,000 | 3 | $ 225,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 3 | $ 195,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 3 | $ 435,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 3 | $ 485,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 475,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 470,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 2 | $ 440,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 2 | $ 200,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 2 | $ 150,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 150,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 17,659,319,000 | 2 | $ 160,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 410,000 |
| Success Credit Union P.O. BOX 467 BLYTHEVILLE, AR 72316 |
* | $ 129,709,000 | 2 | $ 160,000 |
| Encore Bank 1801 RAHLING RD LITTLE ROCK, AR 72223 |
* | $ -1,000 | 2 | $ 90,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 200,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 70,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 2 | $ 170,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,850,784,000 | 2 | $ 90,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 1,416,850,000 | 1 | $ 75,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 155,000 |
| Bank of Clarke 2 E MAIN ST BERRYVILLE, VA 22611 |
* | $ 871,277,000 | 1 | $ 65,000 |
| First Arkansas Bank and Trust 600 WEST MAIN STREET JACKSONVILLE, AR 72076 |
* | $ 789,777,000 | 1 | $ 55,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 493,429,000 | 1 | $ 115,000 |
| Unico Bank 625 VETERANS DR MINERAL POINT, MO 63660 |
* | $ 338,140,000 | 1 | $ 185,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ 397,795,000 | 1 | $ 45,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 45,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 275,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 1 | $ 65,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 45,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 35,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 2,622,768,000 | 1 | $ 45,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 135,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 115,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 135,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 43,126,164,000 | 1 | $ 125,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 55,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 105,000 |
| Hometrust Bank PO BOX 10 ASHEVILLE, NC 28802 |
* | $ 3,468,407,000 | 1 | $ 15,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 1,005,002,000 | 1 | $ 65,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 95,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 796,073,000 | 1 | $ 115,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 45,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 131,983,000 | 1 | $ 215,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 2,877,075,000 | 1 | $ 15,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 175,000 |
The tables below break down 2020 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 2020
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 | 313 | $28,895,000 | $92,000 | $995,000 | $56,000 | $559,000 |
| Refinancing | 136 | $15,950,000 | $117,000 | $385,000 | $79,000 | $898,000 |
| Cash-out Refinancing | 47 | $5,235,000 | $111,000 | $325,000 | $73,000 | $207,000 |
| Other Purpose | 24 | $1,680,000 | $70,000 | $175,000 | $44,000 | $110,000 |
| Home Improvement | 19 | $695,000 | $36,000 | $105,000 | $48,000 | $105,000 |
| Not Applicable | 9 | $745,000 | $82,000 | $165,000 | $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 | 443 | $42,405,000 | $95,000 | $485,000 | $64,000 | $898,000 |
| Not applicable | 66 | $7,160,000 | $108,000 | $995,000 | $38,000 | $52,000 |
| Not Provided | 33 | $3,115,000 | $94,000 | $305,000 | $53,000 | $124,000 |
| American Indian or Alaskan Native | 3 | $215,000 | $71,000 | $85,000 | $34,000 | $52,000 |
| Black or African American | 2 | $280,000 | $140,000 | $165,000 | $70,000 | $91,000 |
| Hispanic | 1 | $25,000 | $25,000 | $25,000 | $32,000 | $32,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 369 | $34,785,000 | $94,000 | $995,000 | $68,000 | $898,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 75 | $6,865,000 | $91,000 | $225,000 | $40,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 57 | $5,615,000 | $98,000 | $205,000 | $48,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 47 | $5,935,000 | $126,000 | $325,000 | $53,000 | $108,000 |
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 | 284 | $27,860,000 | $98,000 | $485,000 | $69,000 | $898,000 |
| Application Denied By Financial Institution | 79 | $7,205,000 | $91,000 | $995,000 | $45,000 | $117,000 |
| Loan Purchased By The Institution | 78 | $7,960,000 | $102,000 | $275,000 | $61,000 | $190,000 |
| Application Withdrawn By Applicant | 72 | $6,860,000 | $95,000 | $285,000 | $51,000 | $166,000 |
| File Closed For Incompleteness | 24 | $1,980,000 | $82,000 | $325,000 | $75,000 | $559,000 |
| Application Approved But Not Accepted | 11 | $1,335,000 | $121,000 | $325,000 | $70,000 | $207,000 |
| 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 | 447 | $44,165,000 | $98,000 | $485,000 | $65,000 | $898,000 |
| Debt-To-Income Ratio | 40 | $4,350,000 | $108,000 | $995,000 | $60,000 | $185,000 |
| Credit History | 35 | $2,045,000 | $58,000 | $205,000 | $47,000 | $107,000 |
| Collateral | 10 | $1,200,000 | $120,000 | $285,000 | $53,000 | $81,000 |
| Other | 6 | $770,000 | $128,000 | $325,000 | $31,000 | $58,000 |
| Credit Application Incomplete | 5 | $405,000 | $81,000 | $155,000 | $38,000 | $50,000 |
| Unverifiable Information | 2 | $110,000 | $55,000 | $55,000 | $76,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $130,000 | $65,000 | $95,000 | $44,000 | $47,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $26,000 | $26,000 |
| 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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