Arkansas · HMDA 2025
Mortgage lenders in Clay County, AR
93 lenders reported 504 home-loan applications in Clay County in 2025. 252 closed as loans ($31.9M), 74 were denied — a 21.3% denial rate on decided applications, below the Arkansas rate of 23.0%. The three most active lenders handled 26% of applications, led by First National Bank. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 504
- Loans originated
- 252
- Purchase / refinance
- 147 / 80
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First National Bank 71 out of 100, Strong | 61 | 12.1% | 3.9% |
| 2 | DAS Acquisition Company, LLC | 45 | 8.9% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 25 | 5.0% | — |
| 4 | Rocket Mortgage, LLC | 22 | 4.4% | — |
| 5 | FIRSTTRUST HOME LOANS, INC. | 22 | 4.4% | — |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 15 | 3.0% | — |
| 7 | Mortgage Research Center, LLC | 14 | 2.8% | — |
| 8 | PLANET HOME LENDING, LLC | 14 | 2.8% | — |
| 9 | AMERIHOME MORTGAGE COMPANY, LLC | 13 | 2.6% | — |
| 10 | VILLAGE CAPITAL & INVESTMENT LLC | 13 | 2.6% | — |
| 11 | NEWREZ LLC | 12 | 2.4% | — |
| 12 | NATIONSTAR MORTGAGE LLC | 11 | 2.2% | — |
| 13 | Southern Bank 70 out of 100, Strong | 10 | 2.0% | 5.8% |
| 14 | Cadence Bank | 10 | 2.0% | — |
| 15 | Centennial Bank 79 out of 100, Strong | 10 | 2.0% | 23.4% |
| 16 | 21st Mortgage Corporation | 9 | 1.8% | — |
| 17 | AmeriSave Mortgage Corporation | 9 | 1.8% | — |
| 18 | Arvest Bank 57 out of 100, Moderate | 9 | 1.8% | 18.5% |
| 19 | Fairway Independent Mortgage Corporation | 8 | 1.6% | — |
| 20 | Broker Solutions, Inc. | 8 | 1.6% | — |
| 21 | TRIAD FINANCIAL SERVICES, INC. | 8 | 1.6% | — |
| 22 | FOCUS BANK 75 out of 100, Strong | 8 | 1.6% | 11.5% |
| 23 | Regions Bank 64 out of 100, Moderate | 7 | 1.4% | 43.1% |
| 24 | CMG MORTGAGE, INC. | 6 | 1.2% | — |
| 25 | FREEDOM MORTGAGE CORPORATION | 6 | 1.2% | — |
| 26 | Empeople Credit Union 58 out of 100, Moderate | 5 | 1.0% | 25.7% |
| 27 | Flanagan State Bank 67 out of 100, Moderate | 5 | 1.0% | 14.2% |
| 28 | ARKANSAS Federal Credit Union 64 out of 100, Moderate | 5 | 1.0% | 31.7% |
| 29 | MORTGAGE INVESTORS GROUP, INC. | 5 | 1.0% | — |
| 30 | USAA Federal Savings Bank 64 out of 100, Moderate | 5 | 1.0% | 37.2% |
| 31 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 4 | 0.8% | 22.2% |
| 32 | Farm Credit Mid-America | 4 | 0.8% | — |
| 33 | LOWER, LLC | 4 | 0.8% | — |
| 34 | Loandepot.Com, LLC | 3 | 0.6% | — |
| 35 | U.S. Bank National Association 55 out of 100, Moderate | 3 | 0.6% | 39.5% |
| 36 | UNICO Bank 47 out of 100, Below average | 3 | 0.6% | 5.5% |
| 37 | FIGURE LENDING LLC | 3 | 0.6% | — |
| 38 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | 0.6% | — |
| 39 | FLAT BRANCH MORTGAGE, INC. | 3 | 0.6% | — |
| 40 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | 0.6% | — |
Top 40 of 93 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Arkansas
- Benton County 19,914 apps
- Pulaski County 17,313 apps
- Washington County 11,549 apps
- Saline County 7,383 apps
- Faulkner County 6,470 apps
- Garland County 5,157 apps
- Sebastian County 4,917 apps
- Craighead County 4,883 apps
- Lonoke County 4,594 apps
- White County 3,777 apps
- Crawford County 2,638 apps
- Pope County 2,293 apps