Mortgage lending in Clay County, Texas
Lenders in Clay County, Texas reported 358 mortgage applications for 2025, according to the CFPB.
358 mortgage applications and 210 loans originated in 2025; the denial rate was 21.3% of 291 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Wichita Falls, TX MSA.
- 358
- Applications
- 210
- Loans originated
- 21.3%
- Denial rate
- 62 denied of 291 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 358 | 210 |
| 2024 | 273 | 173 |
| 2023 | 279 | 171 |
| 2022 | 357 | 217 |
| 2021 | 395 | 243 |
| 2020 | 395 | 267 |
| 2019 | 292 | 170 |
| 2018 | 245 | 165 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| American National Bank & Trust | 39 | 43 |
| Flat Branch Mortgage, Inc. | 23 | 28 |
| Union Square Credit Union | 15 | 18 |
| Texoma Community Credit Union | 13 | 14 |
| 21ST Mortgage | 10 | 36 |
| Mortgage Research Center | 9 | 15 |
| Windthorst Federal Credit Unio | 9 | 10 |
| Legend Bank, N.A. | 8 | 11 |
| Guild Mortgage Company | 6 | 8 |
| Triad Financial Services, Inc. | 6 | 26 |
| Rocket Mortgage | 5 | 9 |
| Navy Federal Credit Union | 4 | 5 |
| United Wholesale Mortgage | 4 | 7 |
| First Capital Bank | 3 | 3 |
| Primelending | 3 | 3 |
| Jacksboro National Bank | 3 | 5 |
| loanDepot.com LLC | 2 | 4 |
| American Financing Corporation | 2 | 4 |
| Prosperity Bank | 2 | 4 |
| Residential Wholesale Mortgage | 2 | 2 |
| Belem Servicing, LLC dba Patriot Home Mortgage | 2 | 2 |
| Union Home Mortgage Corp. | 2 | 4 |
| Guaranteed Rate, Inc. | 2 | 3 |
| Lima One Capital, LLC | 1 | 1 |
| Figure Lending LLC | 1 | 3 |
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 | 272 | 22.6% of 226 decided |
| Joint | 12 | no rate: base under 50 |
| Race Not Available | 65 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 13 | no rate: base under 50 |
| Not Hispanic or Latino | 268 | 21.4% of 220 decided |
| Joint | 11 | no rate: base under 50 |
| Ethnicity Not Available | 66 | 24.0% of 50 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 112 | 25.6% of 82 decided |
| Female | 58 | no rate: base under 50 |
| Joint | 156 | 16.1% of 137 decided |
| Sex Not Available | 32 | 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. 1484 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