Clay County, TN Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 232 mortgage applications in Clay County, TN totaling $43.4 million, down 6% from 2023. The average application was for $187,000, and applicants reported an average income of $99,000. 48% of applications resulted in an originated loan and 24% were denied. The most active lender was Wellworth Bank, with 18 applications, followed by 21st Mortgage and Vanderbilt Mortgage and Finance, Inc.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Tennessee.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 232 |
| Total Mortgage Loan Application Amount | $43,390,000 |
| Average Mortgage Loan Application Amount | $187,000 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $916,000 |
* 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 |
|---|---|---|---|---|
| Wellworth Bank 400 HWY 52 BYPASS WEST LAFAYETTE, TN 37083 |
* | $ n/a | 18 | $ 1,920,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 14 | $ 1,770,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 10 | $ 1,440,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 9 | $ 2,695,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 1,925,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 9 | $ 1,325,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 8 | $ 930,000 |
| Macon Bank and Trust Company 609 RED BOILING SPRINGS ROAD LAFAYETTE, TN 37083 |
* | $ n/a | 8 | $ 1,300,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 7 | $ 2,025,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 7 | $ 1,125,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 1,350,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 5 | $ 955,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 5 | $ 95,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 470,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 4 | $ 660,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 485,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 3 | $ 565,000 |
| Edmonton State Bank 204 ROGERS ROAD GLASGOW, KY 42141 |
* | $ n/a | 3 | $ 465,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 225,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 1,025,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 415,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 275,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 350,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 390,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 1,210,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 420,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 130,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 570,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 790,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ n/a | 2 | $ 60,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 590,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 60,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 130,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 270,000 |
| Wilson Bank and Trust 623 WEST MAIN STREET LEBANON, TN 37087 |
* | $ n/a | 2 | $ 610,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 520,000 |
| Listerhill Credit Union P O BOX 566 SHEFFIELD, AL 35660 |
* | $ n/a | 2 | $ 640,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 280,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ n/a | 2 | $ 430,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 530,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 2 | $ 280,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 75,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 245,000 |
| Bank of Tennessee 301 E. CENTER ST. KINGSPORT, TN 37660 |
* | $ n/a | 1 | $ 205,000 |
| First Citizens National Bank NEWARK, OH 43055 |
* | $ n/a | 1 | $ 25,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 35,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 405,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 485,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 395,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 155,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 255,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 145,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 145,000 |
| Tennessee Valley Federal C U 535 CHESTNUT STREET CHATTANOOGA, TN 37402 |
* | $ n/a | 1 | $ 205,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 735,000 |
| Smartbank 2430 TEASTER LANE PIGEON FORGE, TN 37863 |
* | $ n/a | 1 | $ 105,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 185,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 55,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 145,000 |
| CU Community, LLC 2077 TOWN CENTER BOULEVARD KNOXVILLE, TN 37922 |
* | $ n/a | 1 | $ 85,000 |
| Guaranty Mortgage Services, LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 145,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 55,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 165,000 |
| Amres Corporation 1 NESHAMINY INTERPLEX, SUITE 310 TREVOSE, PA 19053 |
* | $ n/a | 1 | $ 255,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 1 | $ 55,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 405,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ n/a | 1 | $ 245,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 235,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 85,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 195,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 285,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ n/a | 1 | $ 155,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 95,000 |
| Mason-Mcduffie Mortgage Corporation 2010 CROW CANYON PLACE, #400 SAN RAMON, CA 94583 |
* | $ n/a | 1 | $ 235,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 165,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ n/a | 1 | $ 165,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ n/a | 1 | $ 145,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ n/a | 1 | $ 755,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 1 | $ 605,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2024 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 2024
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 124 | $24,470,000 | $197,000 | $755,000 | $93,000 | $470,000 |
| Cash-out Refinancing | 32 | $8,110,000 | $253,000 | $735,000 | $128,000 | $916,000 |
| Refinancing | 30 | $6,310,000 | $210,000 | $485,000 | $94,000 | $422,000 |
| Other Purpose | 27 | $3,155,000 | $116,000 | $505,000 | $110,000 | $596,000 |
| Home Improvement | 19 | $1,345,000 | $70,000 | $255,000 | $83,000 | $142,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 179 | $31,455,000 | $175,000 | $755,000 | $103,000 | $916,000 |
| Not Provided | 27 | $6,885,000 | $255,000 | $625,000 | $78,000 | $239,000 |
| Not applicable | 16 | $3,450,000 | $215,000 | $475,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $675,000 | $135,000 | $175,000 | $76,000 | $123,000 |
| Hispanic | 5 | $925,000 | $185,000 | $255,000 | $89,000 | $196,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 168 | $27,430,000 | $163,000 | $755,000 | $100,000 | $705,000 |
| FHA-insured (Federal Housing Administration) | 34 | $6,600,000 | $194,000 | $495,000 | $66,000 | $152,000 |
| VA-guaranteed (Veterans Administration) | 27 | $8,805,000 | $326,000 | $735,000 | $137,000 | $916,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $555,000 | $185,000 | $225,000 | $71,000 | $114,000 |
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 | 112 | $20,690,000 | $184,000 | $755,000 | $99,000 | $470,000 |
| Application Denied By Financial Institution | 56 | $10,140,000 | $181,000 | $735,000 | $91,000 | $916,000 |
| Application Withdrawn By Applicant | 26 | $5,430,000 | $208,000 | $625,000 | $88,000 | $246,000 |
| Loan Purchased By The Institution | 16 | $3,450,000 | $215,000 | $475,000 | $0 | $0 |
| File Closed For Incompleteness | 11 | $1,315,000 | $119,000 | $215,000 | $91,000 | $164,000 |
| Application Approved But Not Accepted | 11 | $2,365,000 | $215,000 | $605,000 | $180,000 | $538,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 169 | $32,425,000 | $191,000 | $755,000 | $103,000 | $538,000 |
| Debt-To-Income Ratio | 23 | $3,615,000 | $157,000 | $475,000 | $54,000 | $146,000 |
| Credit History | 16 | $1,780,000 | $111,000 | $205,000 | $57,000 | $196,000 |
| Credit Application Incomplete | 8 | $1,850,000 | $231,000 | $625,000 | $60,000 | $150,000 |
| Unverifiable Information | 5 | $665,000 | $133,000 | $175,000 | $51,000 | $99,000 |
| Collateral | 4 | $1,100,000 | $275,000 | $505,000 | $242,000 | $705,000 |
| Other | 3 | $1,275,000 | $425,000 | $735,000 | $526,000 | $916,000 |
| Employment History | 2 | $440,000 | $220,000 | $285,000 | $67,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $240,000 | $120,000 | $145,000 | $74,000 | $116,000 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About