Mortgage lending in Clay County, Arkansas
Lenders in Clay County, Arkansas reported 427 mortgage applications for 2025, according to the CFPB.
427 mortgage applications and 252 loans originated in 2025; the denial rate was 21.3% of 348 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Clay County, AR.
- 427
- Applications
- 252
- Loans originated
- 21.3%
- Denial rate
- 74 denied of 348 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 427 | 252 |
| 2024 | 386 | 197 |
| 2023 | 385 | 207 |
| 2022 | 425 | 241 |
| 2021 | 487 | 295 |
| 2020 | 471 | 285 |
| 2019 | 283 | 157 |
| 2018 | 285 | 185 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First National Bank | 48 | 61 |
| Das Acquisition Company, LLC | 34 | 44 |
| FirstTrust Home Loans | 19 | 22 |
| Rocket Mortgage | 11 | 19 |
| Cadence Bank | 9 | 10 |
| Southern Bank | 8 | 10 |
| Arvest Bank | 8 | 9 |
| Fairway Independent Mort Corp | 7 | 8 |
| Focus Bank | 6 | 8 |
| Centennial Bank | 6 | 10 |
| Mortgage Research Center | 6 | 14 |
| CMG Mortgage Inc | 5 | 6 |
| Freedom Mortgage Corporation | 4 | 6 |
| Pennymac Loan Services LLC | 4 | 10 |
| Unico Bank | 3 | 3 |
| Vanderbilt Mortgage and Finance, Inc | 3 | 15 |
| Farm Credit Mid-America, Aca | 3 | 4 |
| Triad Financial Services, Inc. | 3 | 8 |
| Arkansas Federal Credit Union | 3 | 5 |
| Flat Branch Mortgage, Inc. | 3 | 3 |
| Mortgage Investors Group | 3 | 5 |
| Empeople Credit Union | 2 | 5 |
| loanDepot.com LLC | 2 | 3 |
| FNBC Bank | 2 | 2 |
| Simmons Bank | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| White | 360 | 22.9% of 292 decided |
| Joint | under 10 | |
| Race Not Available | 56 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 351 | 21.9% of 288 decided |
| Ethnicity Not Available | withheld |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 159 | 26.7% of 135 decided |
| Female | 98 | 22.5% of 71 decided |
| Joint | 124 | 16.7% of 102 decided |
| Sex Not Available | 46 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2500 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved