Tennessee · HMDA 2025
Mortgage lenders in Clay County, TN
88 lenders reported 273 home-loan applications in Clay County in 2025. 143 closed as loans ($30.0M), 55 were denied — a 26.6% denial rate on decided applications, above the Tennessee rate of 21.6%. The three most active lenders handled 24% of applications, led by Citizens Bank of Lafayette. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 273
- Loans originated
- 143
- Purchase / refinance
- 58 / 57
- 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 | Citizens Bank of Lafayette 60 out of 100, Moderate | 30 | 11.0% | 0.5% |
| 2 | 21st Mortgage Corporation | 20 | 7.3% | — |
| 3 | Rocket Mortgage, LLC | 16 | 5.9% | — |
| 4 | Macon Bank and Trust Company | 15 | 5.5% | — |
| 5 | NEWREZ LLC | 12 | 4.4% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 4.0% | — |
| 7 | Mortgage Research Center, LLC | 9 | 3.3% | — |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC. | 8 | 2.9% | — |
| 9 | Broker Solutions, Inc. | 8 | 2.9% | — |
| 10 | Farm Credit Mid-America | 7 | 2.6% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 6 | 2.2% | — |
| 12 | CROSSCOUNTRY MORTGAGE, INC. | 6 | 2.2% | — |
| 13 | SOUTHWEST STAGE FUNDING, LLC | 6 | 2.2% | — |
| 14 | Regions Bank 64 out of 100, Moderate | 5 | 1.8% | 43.1% |
| 15 | SmartBank 66 out of 100, Moderate | 5 | 1.8% | 12.9% |
| 16 | FREEDOM MORTGAGE CORPORATION | 4 | 1.5% | — |
| 17 | FirstBank 59 out of 100, Moderate | 4 | 1.5% | 42.8% |
| 18 | MUTUAL OF OMAHA MORTGAGE, INC. | 4 | 1.5% | — |
| 19 | UNION HOME MORTGAGE CORP. | 4 | 1.5% | — |
| 20 | AmeriSave Mortgage Corporation | 3 | 1.1% | — |
| 21 | U.S. Bank National Association 55 out of 100, Moderate | 3 | 1.1% | 39.5% |
| 22 | One Bank of Tennessee 79 out of 100, Strong | 3 | 1.1% | 3.9% |
| 23 | NATIONSTAR MORTGAGE LLC | 3 | 1.1% | — |
| 24 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | 1.1% | — |
| 25 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 3 | 1.1% | 74.7% |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.7% | 32.9% |
| 27 | Loandepot.Com, LLC | 2 | 0.7% | — |
| 28 | SPRING EQ, LLC | 2 | 0.7% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.7% | — |
| 30 | Edmonton State Bank 82 out of 100, Strong | 2 | 0.7% | 15.9% |
| 31 | ASCEND FEDERAL CREDIT UNION 83 out of 100, Strong | 2 | 0.7% | 22.1% |
| 32 | CLEARPATH LENDING | 2 | 0.7% | — |
| 33 | VILLAGE CAPITAL & INVESTMENT LLC | 2 | 0.7% | — |
| 34 | VAN DYK MORTGAGE CORPORATION | 2 | 0.7% | — |
| 35 | United Community Bank 67 out of 100, Moderate | 2 | 0.7% | 25.4% |
| 36 | Fifth Third Bank, National Association 62 out of 100, Moderate | 2 | 0.7% | 34.0% |
| 37 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 2 | 0.7% | 7.5% |
| 38 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 0.4% | 14.1% |
| 39 | Truist Bank 63 out of 100, Moderate | 1 | 0.4% | 40.8% |
| 40 | Fairway Independent Mortgage Corporation | 1 | 0.4% | — |
Top 40 of 88 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Tennessee
- Davidson County 31,528 apps
- Shelby County 30,634 apps
- Knox County 24,708 apps
- Hamilton County 18,571 apps
- Rutherford County 18,122 apps
- Montgomery County 15,919 apps
- Williamson County 15,149 apps
- Sumner County 12,169 apps
- Wilson County 9,951 apps
- Blount County 7,849 apps
- Sullivan County 7,811 apps
- Maury County 6,960 apps