Mortgage lenders in Clay County

143 mortgages were made in Clay County, Tennessee, in 2025, by 88 lenders. The median rate their borrowers got was 6.875% on a median loan of $165,000. Of 207 decisions, 55 were denials — 26.6%, most often for credit history.

Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.

Bank branches in Clay County

2 FDIC-insured branches from 2 banks, as of 30 June 2026, with the deposits held at them.

Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.