Clay County, TX Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 472 mortgage applications in Clay County, TX totaling $77.1 million, down 3% from 2020. The average application was for $163,000, and applicants reported an average income of $96,000. 51% of applications resulted in an originated loan and 14% were denied. The most active lender was Citizens Bank, NA, with 46 applications, followed by American National Bank & Trust and Union Square Credit Union.
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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 | 472 |
| Total Mortgage Loan Application Amount | $77,130,000 |
| Average Mortgage Loan Application Amount | $163,000 |
| Highest Mortgage Loan Application Amount | $1,715,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $1,600,000 |
* 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 |
|---|---|---|---|---|
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 46 | $ 7,750,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 885,101,000 | 45 | $ 8,025,000 |
| Union Square Credit Union 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 372,925,000 | 37 | $ 6,635,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 36 | $ 3,860,000 |
| Jacksboro National Bank 910 MAIN STREET JACKSBORO, TX 76458 |
* | $ 235,468,000 | 34 | $ 5,430,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 26 | $ 3,940,000 |
| Texoma Community Credit Union PO BOX 1320 WICHITA FALLS, TX 76308 |
* | $ 168,355,000 | 16 | $ 1,370,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 2,895,000 |
| First Bank & Trust 9816 SLIDE RD. LUBBOCK, TX 79424 |
* | $ 1,137,714,000 | 11 | $ 1,495,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 10 | $ 1,810,000 |
| Legend Bank, N.A. 101 TARRANT ST BOWIE, TX 76230 |
* | $ 758,653,000 | 10 | $ 1,940,000 |
| First National Bank Mortgage 1540 E. SOUTHLAKE BLVD SOUTHLAKE, TX 76092 |
* | $ 527,259,000 | 8 | $ 1,130,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 1,732,419,000 | 7 | $ 425,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 6 | $ 900,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 6 | $ 920,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 880,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 5 | $ 1,585,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 5 | $ 715,000 |
| First Bank 300 E THRID BURKBURNETT, TX 76359 |
* | $ 478,725,000 | 5 | $ 1,165,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 665,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 5 | $ 685,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 520,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 4 | $ 1,080,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 495,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 3 | $ 465,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 315,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 155,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 675,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 575,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 420,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 130,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 170,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 270,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 330,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 400,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 250,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 1,710,266,000 | 2 | $ 270,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 340,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 2 | $ 210,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ -1,000 | 2 | $ 340,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 2 | $ 140,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 2 | $ 910,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 160,000 |
| Fnb & Trust of Ardmore 405 WEST MAIN ARDMORE, OK 73401 |
* | $ 510,897,000 | 1 | $ 175,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 275,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 175,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 195,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 1 | $ 255,000 |
| Ladera Lending, Inc. 555 CORPORATE DRIVE SUITE 215 LADERA RANCH, CA 92694 |
* | $ -1,000 | 1 | $ 235,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 85,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 535,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 235,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 155,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 1 | $ 175,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ -1,000 | 1 | $ 175,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 155,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 345,000 |
| Hightechlending, Inc 2030 MAIN ST 350 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 65,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 480,916,000 | 1 | $ 135,000 |
| First State Bank 801 E CALIFORNIA STREET GAINESVILLE, TX 76240 |
* | $ 1,147,965,000 | 1 | $ 295,000 |
| Datcu 5940 SOUTH INTERSTATE 35 EAST CORINTH, TX 76210 |
* | $ 1,044,507,000 | 1 | $ 105,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 1 | $ 95,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 185,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 1,370,041,000 | 1 | $ 105,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 9,767,997,000 | 1 | $ 75,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 175,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 175,000 |
| Texas Trust Credit Union 5080 W IH 20 ARLINGTON, TX 76017 |
* | $ 1,344,027,000 | 1 | $ 155,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 814,382,000 | 1 | $ 75,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 9,675,518,000 | 1 | $ 85,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 105,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 305,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 605,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 55,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 55,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ 34,105,305,000 | 1 | $ 65,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 745,000 |
| First National Bank of Anson P O BOX 672 ANSON, TX 79501 |
* | $ 65,538,000 | 1 | $ 125,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 115,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 1 | $ 115,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 185,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 235,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ -1,000 | 1 | $ 125,000 |
| Communitybank of Texas, N.A. 9 GREENWAY PLAZA, SUITE 110 HOUSTON, TX 77046 |
* | $ 3,478,802,000 | 1 | $ 1,715,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 75,000 |
| Efinity Financial LLC 1901 CENTRAL DRIVE SUITE 612 BEDFORD, TX 76021 |
* | $ -1,000 | 1 | $ 145,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 1 | $ 185,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 4,172,729,000 | 1 | $ 45,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 1,630,739,000 | 1 | $ 115,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 95,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 92,657,948,000 | 1 | $ 95,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 105,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 285,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 789,398,000 | 1 | $ 125,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 85,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 185,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 1 | $ 165,000 |
| Amerifirst Financial, Inc. 1550 E. MCKELLIPS RD, SUITE 117 MESA, AZ 85203 |
* | $ -1,000 | 1 | $ 275,000 |
The tables below break down 2021 mortgage applications in Clay County, TX 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, TX in 2021
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 | 245 | $40,395,000 | $164,000 | $1,715,000 | $82,000 | $443,000 |
| Refinancing | 139 | $23,305,000 | $167,000 | $535,000 | $101,000 | $362,000 |
| Cash-out Refinancing | 65 | $11,325,000 | $174,000 | $435,000 | $107,000 | $396,000 |
| Home Improvement | 10 | $870,000 | $87,000 | $165,000 | $361,000 | $1,600,000 |
| Other Purpose | 8 | $860,000 | $107,000 | $205,000 | $82,000 | $203,000 |
| Not Applicable | 5 | $375,000 | $75,000 | $105,000 | $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 | 359 | $55,945,000 | $155,000 | $745,000 | $95,000 | $1,600,000 |
| Not Provided | 55 | $9,605,000 | $174,000 | $605,000 | $110,000 | $234,000 |
| Not applicable | 36 | $7,720,000 | $214,000 | $1,715,000 | $121,000 | $121,000 |
| Hispanic | 15 | $2,885,000 | $192,000 | $485,000 | $85,000 | $250,000 |
| American Indian or Alaskan Native | 6 | $770,000 | $128,000 | $185,000 | $82,000 | $158,000 |
| Asian | 1 | $205,000 | $205,000 | $205,000 | $75,000 | $75,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 342 | $56,050,000 | $163,000 | $1,715,000 | $104,000 | $1,600,000 |
| VA-guaranteed (Veterans Administration) | 62 | $12,960,000 | $209,000 | $455,000 | $94,000 | $233,000 |
| FHA-insured (Federal Housing Administration) | 55 | $6,605,000 | $120,000 | $295,000 | $50,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,515,000 | $116,000 | $175,000 | $52,000 | $114,000 |
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 | 242 | $42,090,000 | $173,000 | $1,715,000 | $95,000 | $443,000 |
| Loan Purchased By The Institution | 74 | $12,680,000 | $171,000 | $485,000 | $100,000 | $323,000 |
| Application Denied By Financial Institution | 65 | $9,585,000 | $147,000 | $745,000 | $94,000 | $1,600,000 |
| Application Withdrawn By Applicant | 56 | $7,760,000 | $138,000 | $425,000 | $96,000 | $396,000 |
| File Closed For Incompleteness | 20 | $2,020,000 | $101,000 | $195,000 | $92,000 | $240,000 |
| Application Approved But Not Accepted | 13 | $2,735,000 | $210,000 | $505,000 | $126,000 | $281,000 |
| Preapproval Approved but not Accepted | 1 | $185,000 | $185,000 | $185,000 | $46,000 | $46,000 |
| Preapproval Denied by Financial Institution | 1 | $75,000 | $75,000 | $75,000 | $91,000 | $91,000 |
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 | 406 | $67,470,000 | $166,000 | $1,715,000 | $97,000 | $443,000 |
| Credit History | 18 | $1,860,000 | $103,000 | $235,000 | $49,000 | $84,000 |
| Debt-To-Income Ratio | 16 | $2,820,000 | $176,000 | $745,000 | $46,000 | $96,000 |
| Other | 10 | $1,520,000 | $152,000 | $295,000 | $92,000 | $161,000 |
| Unverifiable Information | 8 | $1,250,000 | $156,000 | $355,000 | $81,000 | $212,000 |
| Collateral | 8 | $1,080,000 | $135,000 | $315,000 | $275,000 | $1,600,000 |
| Credit Application Incomplete | 4 | $770,000 | $192,000 | $245,000 | $141,000 | $233,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $360,000 | $180,000 | $185,000 | $124,000 | $153,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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