Texas · HMDA 2025
Mortgage lenders in Clay County, TX
102 lenders reported 437 home-loan applications in Clay County in 2025. 210 closed as loans ($42.5M), 62 were denied — a 21.3% denial rate on decided applications, below the Texas rate of 24.7%. The three most active lenders handled 25% of applications, led by American National Bank & Trust. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 437
- Loans originated
- 210
- Purchase / refinance
- 141 / 52
- 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 | American National Bank & Trust 61 out of 100, Moderate | 43 | 9.8% | 4.4% |
| 2 | 21st Mortgage Corporation | 36 | 8.2% | — |
| 3 | FLAT BRANCH MORTGAGE, INC. | 29 | 6.6% | — |
| 4 | TRIAD FINANCIAL SERVICES, INC. | 26 | 5.9% | — |
| 5 | AMERIHOME MORTGAGE COMPANY, LLC | 22 | 5.0% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 21 | 4.8% | — |
| 7 | UNION SQUARE CREDIT UNION 37 out of 100, Low | 18 | 4.1% | 11.7% |
| 8 | Mortgage Research Center, LLC | 15 | 3.4% | — |
| 9 | LAKEVIEW LOAN SERVICING, LLC | 14 | 3.2% | — |
| 10 | TEXOMA COMMUNITY CREDIT UNION 63 out of 100, Moderate | 14 | 3.2% | 0.0% |
| 11 | Legend Bank, N.A. 82 out of 100, Strong | 11 | 2.5% | 12.2% |
| 12 | Windthorst Federal Credit Union 73 out of 100, Strong | 10 | 2.3% | 2.6% |
| 13 | Rocket Mortgage, LLC | 9 | 2.1% | — |
| 14 | GUILD MORTGAGE COMPANY | 8 | 1.8% | — |
| 15 | NEWREZ LLC | 7 | 1.6% | — |
| 16 | Citizens Bank, National Association 54 out of 100, Below average | 7 | 1.6% | 32.5% |
| 17 | UNITED SHORE FINANCIAL SERVICES, LLC | 7 | 1.6% | — |
| 18 | PLANET HOME LENDING, LLC | 7 | 1.6% | — |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 1.1% | 32.9% |
| 20 | The Jacksboro National Bank | 5 | 1.1% | — |
| 21 | FREEDOM MORTGAGE CORPORATION | 5 | 1.1% | — |
| 22 | Loandepot.Com, LLC | 4 | 0.9% | — |
| 23 | AMERICAN FINANCING CORPORATION | 4 | 0.9% | — |
| 24 | Prosperity Bank 71 out of 100, Strong | 4 | 0.9% | 31.5% |
| 25 | UNION HOME MORTGAGE CORP. | 4 | 0.9% | — |
| 26 | GUARANTEED RATE, INC. | 3 | 0.7% | — |
| 27 | FIGURE LENDING LLC | 3 | 0.7% | — |
| 28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | 0.7% | — |
| 29 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 3 | 0.7% | 74.7% |
| 30 | FIRST CAPITAL BANK 69 out of 100, Moderate | 3 | 0.7% | 10.5% |
| 31 | Truist Bank 63 out of 100, Moderate | 2 | 0.5% | 40.8% |
| 32 | VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | 0.5% | — |
| 33 | Broker Solutions, Inc. | 2 | 0.5% | — |
| 34 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.5% | — |
| 35 | AMERICAN FINANCIAL RESOURCES, INC. | 2 | 0.5% | — |
| 36 | EFINITY FINANCIAL INC. | 2 | 0.5% | — |
| 37 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 2 | 0.5% | 45.9% |
| 38 | UNITED BUILT HOMES, L.L.C. | 2 | 0.5% | — |
| 39 | OCMBC, INC. | 2 | 0.5% | — |
| 40 | Plains Commerce Bank 59 out of 100, Moderate | 2 | 0.5% | 10.0% |
Top 40 of 102 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Texas
- Harris County 136,651 apps
- Bexar County 80,138 apps
- Tarrant County 70,673 apps
- Dallas County 66,728 apps
- Collin County 61,647 apps
- Denton County 51,801 apps
- Montgomery County 43,065 apps
- Travis County 40,887 apps
- Fort Bend County 37,670 apps
- Williamson County 34,119 apps
- El Paso County 27,236 apps
- Hidalgo County 20,066 apps