Mortgage lending in Clay County, Tennessee
Lenders in Clay County, Tennessee reported 254 mortgage applications for 2025, according to the CFPB.
254 mortgage applications and 143 loans originated in 2025; the denial rate was 26.6% of 207 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Clay County, TN.
- 254
- Applications
- 143
- Loans originated
- 26.6%
- Denial rate
- 55 denied of 207 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 254 | 143 |
| 2024 | 240 | 133 |
| 2023 | 236 | 138 |
| 2022 | 236 | 139 |
| 2021 | 243 | 138 |
| 2020 | 221 | 117 |
| 2019 | 157 | 83 |
| 2018 | 183 | 95 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Wellworth Bank | 29 | 30 |
| Macon Bank and Trust Company | 13 | 15 |
| Rocket Mortgage | 9 | 16 |
| United Wholesale Mortgage | 7 | 11 |
| 21ST Mortgage | 5 | 20 |
| Farm Credit Mid-America, Aca | 4 | 7 |
| Newrez LLC | 4 | 9 |
| Smartbank | 4 | 5 |
| Crosscountry Mortgage, LLC | 4 | 6 |
| Regions Bank | 4 | 5 |
| One Bank of Tennessee | 3 | 3 |
| Vanderbilt Mortgage and Finance, Inc | 3 | 8 |
| Mortgage Research Center | 3 | 9 |
| Union Home Mortgage Corp. | 3 | 4 |
| Southwest Stage Funding LLC | 2 | 6 |
| New American Funding, LLC. | 2 | 8 |
| South Central Bank Inc | 2 | 2 |
| Freedom Mortgage Corporation | 2 | 4 |
| Firstbank | 2 | 4 |
| Mutual of Omaha Mortgage | 2 | 4 |
| VanDyk Mortgage Corporation | 2 | 2 |
| Pennymac Loan Services LLC | 2 | 2 |
| Embrace Home Loans, Inc. | 1 | 1 |
| NQM Funding, LLC | 1 | 1 |
| Wilson Bank and Trust | 1 | 1 |
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 | 219 | 26.6% of 184 decided |
| Joint | under 10 | |
| Race Not Available | 30 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 217 | 25.4% of 181 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 33 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 85 | 31.3% of 67 decided |
| Female | 61 | no rate: base under 50 |
| Joint | 94 | 22.1% of 86 decided |
| Sex Not Available | 14 | 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. 1648 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