Clay County, TN Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 276 mortgage applications in Clay County, TN totaling $23.4 million, about the same as 2008. The average application was for $84,000, and applicants reported an average income of $51,000. 60% of applications resulted in an originated loan and 17% were denied. The most active lender was Macon Bank and Trust Company, with 49 applications, followed by Wellworth Bank and Wells Fargo Bank, NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 276 |
| Total Mortgage Loan Application Amount | $23,400,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $696,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $736,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Macon Bank and Trust Company 609 RED BOILING SPRINGS ROAD LAFAYETTE, TN 37083 |
* | $ 285,796,000 | 49 | $ 2,454,000 |
| Wellworth Bank 400 HWY 52 BYPASS WEST LAFAYETTE, TN 37083 |
* | $ 319,446,000 | 37 | $ 1,214,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 15 | $ 1,393,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 13 | $ 1,851,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 13 | $ 1,006,000 |
| Atlantic Capital Bank, National Association 1110 MARKET STREET SUITE 300 CHATTANOOGA, TN 37402 |
* | $ 1,274,763,000 | 12 | $ 338,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 9 | $ 797,000 |
| Bankeast 607 MARKET STREET KNOXVILLE, TN 37902 |
* | $ 368,266,000 | 7 | $ 613,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 7 | $ 773,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 6 | $ 994,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 5 | $ 562,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 174,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 30,786,926,000 | 5 | $ 428,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 4 | $ 282,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 4 | $ 151,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 4 | $ 376,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 614,000 |
| Citizens Bank 407 MAIN STREET NORTH CARTHAGE, TN 37030 |
* | $ 489,509,000 | 3 | $ 195,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 246,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 337,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 3 | $ 276,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 467,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 536,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 214,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 276,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 189,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 2 | $ 249,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 2 | $ 270,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 2 | $ 170,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 2 | $ 535,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 2 | $ 901,000 |
| Greenbank 100 N. MAIN STREET GREENEVILLE, TN 37743 |
* | $ 2,938,937,000 | 2 | $ 66,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 324,000 |
| Edmonton State Bank 204 ROGERS ROAD GLASGOW, KY 42141 |
* | $ 386,073,000 | 2 | $ 299,000 |
| Blackhawk Bank & Trust 301 4TH STREET WEST MILAN, IL 61264 |
* | $ 814,905,000 | 1 | $ 25,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 234,279,000 | 1 | $ 162,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 556,180,000 | 1 | $ 16,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 1 | $ 60,000 |
| Worthington Federal Bank 3301 MEMORIAL PARKWAY SW HUNTSVILLE, AL 35801 |
* | $ 119,667,000 | 1 | $ 87,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 180,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 1 | $ 145,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 78,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 137,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,942,745,000 | 1 | $ 45,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 1 | $ 30,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 1 | $ 144,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 30,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 100,000 |
| Magna Bank 6525 N QUAIL HOLLOW RD SUITE 513 MEMPHIS, TN 38120 |
* | $ 520,048,000 | 1 | $ 125,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,629,217,000 | 1 | $ 60,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 60,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 100,000 |
| Cincinnati Ohio Police Federal Credit Union 959 W 8TH STREET CINCINNATI, OH 45203 |
* | $ 71,658,000 | 1 | $ 18,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 209,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 68,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 158,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 8,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Southeast Mortgage of Ga, Inc 3496 CLUB DRIVE LAWRENCEVILLE, GA 30044 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Sidus Financial, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 47,000 |
| Mortgage Investors Group 8320 E. WALKER SPRINGS LANE KNOXVILLE, TN 37923 |
* | $ 10,000,000 | 1 | $ 98,000 |
The tables below break down 2009 mortgage applications in Clay County, TN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Clay County, TN in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 196 | $18,851,000 | $96,000 | $696,000 | $51,000 | $736,000 |
| Home Purchase | 48 | $3,710,000 | $77,000 | $285,000 | $57,000 | $360,000 |
| Home Improvement | 32 | $839,000 | $26,000 | $166,000 | $41,000 | $107,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 227 | $17,437,000 | $76,000 | $417,000 | $50,000 | $360,000 |
| Not Provided | 27 | $3,069,000 | $113,000 | $276,000 | $48,000 | $92,000 |
| Not applicable | 13 | $1,421,000 | $109,000 | $415,000 | $20,000 | $78,000 |
| American Indian or Alaskan Native | 4 | $414,000 | $103,000 | $163,000 | $97,000 | $226,000 |
| Black or African American | 2 | $97,000 | $48,000 | $87,000 | $22,000 | $26,000 |
| Hispanic | 2 | $842,000 | $421,000 | $696,000 | $395,000 | $736,000 |
| Asian | 1 | $120,000 | $120,000 | $120,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 225 | $17,049,000 | $75,000 | $696,000 | $52,000 | $736,000 |
| FHA-insured (Federal Housing Administration) | 44 | $5,665,000 | $128,000 | $276,000 | $47,000 | $183,000 |
| VA-guaranteed (Veterans Administration) | 4 | $490,000 | $122,000 | $128,000 | $47,000 | $64,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $196,000 | $65,000 | $66,000 | $16,000 | $28,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 165 | $11,201,000 | $67,000 | $417,000 | $49,000 | $360,000 |
| Application Denied By Financial Institution | 47 | $4,925,000 | $104,000 | $696,000 | $66,000 | $736,000 |
| Loan Purchased By The Institution | 29 | $3,749,000 | $129,000 | $415,000 | $40,000 | $183,000 |
| Application Withdrawn By Applicant | 22 | $2,291,000 | $104,000 | $162,000 | $50,000 | $99,000 |
| Application Approved But Not Accepted | 13 | $1,234,000 | $94,000 | $180,000 | $46,000 | $91,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 9 | $1,591,000 | $176,000 | $696,000 | $138,000 | $736,000 |
| Debt-To-Income Ratio | 6 | $623,000 | $103,000 | $168,000 | $47,000 | $101,000 |
| Credit History | 5 | $236,000 | $47,000 | $148,000 | $60,000 | $117,000 |
| Other | 2 | $107,000 | $53,000 | $61,000 | $38,000 | $48,000 |
| Unverifiable Information | 2 | $300,000 | $150,000 | $202,000 | $71,000 | $74,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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