Mississippi · HMDA 2025
Mortgage lenders in Clay County, MS
91 lenders reported 661 home-loan applications in Clay County in 2025. 295 closed as loans ($49.2M), 155 were denied — a 31.1% denial rate on decided applications, above the Mississippi rate of 28.1%. The three most active lenders handled 36% of applications, led by 21st Mortgage Corporation. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 661
- Loans originated
- 295
- Purchase / refinance
- 148 / 94
- 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 | 21st Mortgage Corporation | 102 | 15.4% | — |
| 2 | Cadence Bank | 81 | 12.3% | — |
| 3 | Renasant Bank 64 out of 100, Moderate | 56 | 8.5% | 11.6% |
| 4 | TRIAD FINANCIAL SERVICES, INC. | 34 | 5.1% | — |
| 5 | Rocket Mortgage, LLC | 33 | 5.0% | — |
| 6 | Regions Bank 64 out of 100, Moderate | 27 | 4.1% | 43.1% |
| 7 | FirstBank 59 out of 100, Moderate | 24 | 3.6% | 42.8% |
| 8 | BankFirst Financial Services 69 out of 100, Moderate | 19 | 2.9% | 7.5% |
| 9 | Trustmark National Bank 62 out of 100, Moderate | 19 | 2.9% | 14.7% |
| 10 | Broker Solutions, Inc. | 14 | 2.1% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 13 | 2.0% | — |
| 12 | Mortgage Research Center, LLC | 13 | 2.0% | — |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 9 | 1.4% | — |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 1.2% | — |
| 15 | Magnolia Bank, Incorporated 49 out of 100, Below average | 8 | 1.2% | 10.3% |
| 16 | PLANET HOME LENDING, LLC | 7 | 1.1% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 7 | 1.1% | — |
| 18 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 1.1% | — |
| 19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | 1.1% | — |
| 20 | MORTGAGE INVESTORS GROUP, INC. | 7 | 1.1% | — |
| 21 | Coastal Community Bank 35 out of 100, Low | 7 | 1.1% | 3.0% |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.9% | 32.9% |
| 23 | GENEVA FINANCIAL, LLC | 6 | 0.9% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 6 | 0.9% | — |
| 25 | NEWREZ LLC | 5 | 0.8% | — |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 0.8% | 14.1% |
| 27 | AmeriSave Mortgage Corporation | 5 | 0.8% | — |
| 28 | SOUTHWEST STAGE FUNDING, LLC | 5 | 0.8% | — |
| 29 | HOPE FEDERAL CREDIT UNION | 5 | 0.8% | — |
| 30 | The Citizens Bank of Philadelphia, Mississippi | 5 | 0.8% | — |
| 31 | UNION HOME MORTGAGE CORP. | 5 | 0.8% | — |
| 32 | Loandepot.Com, LLC | 4 | 0.6% | — |
| 33 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 0.6% | — |
| 34 | FIGURE LENDING LLC | 4 | 0.6% | — |
| 35 | The Citizens National Bank of Meridian | 4 | 0.6% | — |
| 36 | CANOPY MORTGAGE, LLC | 4 | 0.6% | — |
| 37 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 0.5% | 22.2% |
| 38 | CSL Financial, LLC | 3 | 0.5% | — |
| 39 | ZILLOW HOME LOANS, LLC | 3 | 0.5% | — |
| 40 | Community Bank of Mississippi 64 out of 100, Moderate | 3 | 0.5% | 9.7% |
Top 40 of 91 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Mississippi
- DeSoto County 10,088 apps
- Harrison County 9,953 apps
- Rankin County 7,923 apps
- Hinds County 7,772 apps
- Jackson County 6,516 apps
- Madison County 5,275 apps
- Lee County 3,545 apps
- Lamar County 2,915 apps
- Forrest County 2,898 apps
- Pearl River County 2,636 apps
- Lafayette County 2,627 apps
- Hancock County 2,459 apps