Largest lenders in Clay County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | American National Bank & Trust | A | 43 | 39 | 0.0% | 6.50% |
| 2 | 21st Mortgage | F | 36 | 10 | 30.6% | 9.51% |
| 3 | Flat Branch Mortgage | A | 28 | 23 | 0.0% | 6.63% |
| 4 | Triad Financial Services | D | 26 | 6 | 46.2% | 9.94% |
| 5 | Union Square Credit Union | B | 18 | 15 | 5.6% | 6.50% |
| 6 | Mortgage Research Center | C | 15 | 9 | 6.7% | 6.25% |
| 7 | Texoma Community Credit Union | A | 14 | 13 | 0.0% | 8.00% |
| 8 | Legend Bank | C | 11 | 8 | 18.2% | — |
| 9 | Windthorst Federal Credit Union | – | 10 | 9 | 0.0% | — |
| 10 | Rocket Mortgage | C | 9 | 5 | 22.2% | 6.75% |
| 11 | Guild Mortgage | A | 8 | 6 | 25.0% | 6.81% |
| 12 | United Shore Financial Services | B | 7 | 4 | 14.3% | 6.06% |
| 13 | Newrez | D | 5 | 1 | 20.0% | 6.75% |
| 14 | The Jacksboro National Bank | – | 5 | 3 | 20.0% | — |
| 15 | Navy Federal Credit Union | D | 5 | 4 | 20.0% | 5.69% |
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 | 279 | 171 | 18.6% | 7.00% | $145,000 |
| 2024 | 273 | 173 | 15.4% | 7.00% | $135,000 |
| 2025 | 358 | 210 | 17.3% | 6.75% | $155,000 |
Frequently asked questions
17.3% of applications in Clay County were denied in 2025, against 19.4% statewide in Texas.
American National Bank & Trust, with 43 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Clay County in 2025 was for $155,000; the median property value on originated loans was $215,000.