Mortgage lending in Clay County, Mississippi
Lenders in Clay County, Mississippi reported 630 mortgage applications for 2025, according to the CFPB.
630 mortgage applications and 295 loans originated in 2025; the denial rate was 31.1% of 499 applications decided. The median loan was about $105,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Clay County, MS.
- 630
- Applications
- 295
- Loans originated
- 31.1%
- Denial rate
- 155 denied of 499 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 630 | 295 |
| 2024 | 550 | 257 |
| 2023 | 483 | 224 |
| 2022 | 635 | 279 |
| 2021 | 747 | 393 |
| 2020 | 709 | 346 |
| 2019 | 520 | 266 |
| 2018 | 548 | 272 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Cadence Bank | 54 | 81 |
| Renasant Bank | 35 | 56 |
| Rocket Mortgage | 21 | 33 |
| BankFirst Financial Services | 13 | 19 |
| 21ST Mortgage | 13 | 101 |
| Triad Financial Services, Inc. | 12 | 34 |
| Trustmark Bank | 11 | 19 |
| Firstbank | 11 | 24 |
| New American Funding, LLC. | 8 | 14 |
| Bank of Commerce | 7 | 7 |
| Mortgage Research Center | 6 | 13 |
| Magnolia Bank | 6 | 8 |
| Cardinal Financial Company, Li | 6 | 7 |
| Freedom Mortgage Corporation | 5 | 7 |
| Regions Bank | 5 | 27 |
| Mortgage Investors Group | 4 | 7 |
| CSL Financial, LLC | 3 | 3 |
| Geneva Financial LLC | 3 | 6 |
| Guaranty Bank & Trust Company | 3 | 3 |
| Hope Federal Credit Union | 3 | 5 |
| United Wholesale Mortgage | 3 | 4 |
| Union Home Mortgage Corp. | 3 | 5 |
| Citizens National Bank of Meridian | 3 | 4 |
| JPMorgan Chase Bank, NA | 3 | 3 |
| Pennymac Loan Services LLC | 3 | 6 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| Asian | under 10 | |
| Black or African American | 277 | 48.4% of 215 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 256 | 17.4% of 207 decided |
| 2 or more minority races | under 10 | |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 79 | 17.2% of 64 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 517 | 31.5% of 410 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 93 | 23.6% of 72 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 205 | 30.3% of 155 decided |
| Female | 208 | 38.9% of 167 decided |
| Joint | 150 | 29.3% of 123 decided |
| Sex Not Available | 67 | 13.0% of 54 decided |
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. 2696 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