Largest lenders in Clay County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 101 | 13 | 49.5% | 11.00% |
| 2 | Cadence Bank | B | 81 | 54 | 18.5% | 7.50% |
| 3 | Renasant Bank | B | 56 | 35 | 16.1% | 7.31% |
| 4 | Triad Financial Services | D | 34 | 12 | 17.7% | 10.77% |
| 5 | Rocket Mortgage | C | 33 | 21 | 27.3% | 6.25% |
| 6 | Regions Bank | C | 27 | 5 | 40.7% | 6.63% |
| 7 | FirstBank | C | 24 | 11 | 41.7% | 10.49% |
| 8 | BankFirst Financial Services | A | 19 | 13 | 10.5% | 7.50% |
| 9 | Trustmark National Bank | C | 19 | 11 | 15.8% | 5.99% |
| 10 | Broker Solutions | D | 14 | 8 | 7.1% | 7.19% |
| 11 | Mortgage Research Center | C | 13 | 6 | 30.8% | 6.25% |
| 12 | Vanderbilt Mortgage and Finance | F | 9 | 0 | 55.6% | — |
| 13 | Magnolia Bank | C | 8 | 6 | 12.5% | 6.50% |
| 14 | Cardinal Financial Company, Limited Partnership | B | 7 | 6 | 0.0% | 6.69% |
| 15 | Mortgage Investors Group | B | 7 | 4 | 0.0% | 7.12% |
| 16 | Carrington Mortgage Services | D | 7 | 2 | 42.9% | 6.13% |
| 17 | Freedom Mortgage | B | 7 | 5 | 14.3% | 6.13% |
| 18 | Coastal Community Bank | C | 7 | 2 | 0.0% | 13.49% |
| 19 | Unnamed lender 529900YKD9FOL6BFSG98 | C | 7 | 7 | 0.0% | — |
| 20 | Pennymac Loan Services | C | 6 | 3 | 16.7% | 6.63% |
| 21 | Navy Federal Credit Union | D | 6 | 2 | 16.7% | 5.44% |
| 22 | Geneva Financial | C | 6 | 3 | 0.0% | 7.13% |
| 23 | AmeriSave Mortgage | D | 5 | 2 | 60.0% | 6.06% |
| 24 | Union Home Mortgage | B | 5 | 3 | 0.0% | 5.38% |
| 25 | The Citizens Bank of Philadelphia, Mississippi | C | 5 | 1 | 0.0% | — |
Best approval odds in Clay County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Cadence Bank | 70 | 21.4% |
| 2 | 21st Mortgage | 65 | 76.9% |
What Clay County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clay County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 483 | 224 | 28.8% | 7.50% | $95,000 |
| 2024 | 550 | 257 | 30.6% | 7.63% | $105,000 |
| 2025 | 630 | 295 | 24.6% | 7.25% | $105,000 |
Frequently asked questions
24.6% of applications in Clay County were denied in 2025, against 22.9% statewide in Mississippi.
21st Mortgage, with 101 applications in 2025 and a denial rate of 49.5%.
The median mortgage application in Clay County in 2025 was for $105,000; the median property value on originated loans was $165,000.