Clayton Bank And Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Clayton Bank And Trust 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Clayton Bank And Trust 520 West Summit Hill Drive Suite 801 Knoxville, TN 37902 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2003 |
| Total Number of Mortgage Applications | 2,339 |
| Total Mortgage Loan Application Amount | $125,543,000 |
| Average Mortgage Loan Application Amount | $53,666 |
| Highest Mortgage Loan Application Amount | $1,665,000 |
| Average Applicant Income | $49,666 |
| Highest Applicant Income | $1,700,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Clayton Bank And Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Clayton Bank And Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Clayton Bank And Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Clayton Bank And Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by Clayton Bank And Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Clayton Bank And Trust's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chester County Tennessee | 86 | $ 4,303,000 | $ 50,000 | $ 60,000 |
| Henderson County Tennessee | 70 | $ 3,492,000 | $ 49,000 | $ 43,000 |
| Macomb County Michigan | 68 | $ 2,058,000 | $ 30,000 | $ 0 |
| Knox County Tennessee | 50 | $ 9,779,000 | $ 195,000 | $ 160,000 |
| Madison County Tennessee | 43 | $ 3,138,000 | $ 72,000 | $ 50,000 |
| Tipton County Tennessee | 29 | $ 1,538,000 | $ 53,000 | $ 110,000 |
| Jackson County Michigan | 24 | $ 642,000 | $ 26,000 | $ 0 |
| Oakland County Michigan | 21 | $ 497,000 | $ 23,000 | $ 0 |
| Crockett County Tennessee | 18 | $ 665,000 | $ 36,000 | $ 60,000 |
| Genesee County Michigan | 16 | $ 451,000 | $ 28,000 | $ 0 |
| Sevier County Tennessee | 15 | $ 1,486,000 | $ 99,000 | $ 151,000 |
| Eaton County Michigan | 14 | $ 428,000 | $ 30,000 | $ 0 |
| Jones County Mississippi | 14 | $ 761,000 | $ 54,000 | $ 50,000 |
| Warren County Mississippi | 13 | $ 474,000 | $ 36,000 | $ 48,000 |
| Itawamba County Mississippi | 10 | $ 348,000 | $ 34,000 | $ 45,000 |
| Dyer County Tennessee | 9 | $ 238,000 | $ 26,000 | $ 55,000 |
| Livingston County Michigan | 8 | $ 428,000 | $ 53,000 | $ 0 |
| Marion County Mississippi | 8 | $ 321,000 | $ 40,000 | $ 60,000 |
| Prentiss County Mississippi | 8 | $ 324,000 | $ 40,000 | $ 31,000 |
| Gibson County Tennessee | 8 | $ 467,000 | $ 58,000 | $ 45,000 |
| Shelby County Tennessee | 8 | $ 578,000 | $ 72,000 | $ 61,000 |
| Lincoln County Mississippi | 7 | $ 279,000 | $ 39,000 | $ 38,000 |
| Union County Mississippi | 7 | $ 219,000 | $ 31,000 | $ 48,000 |
| Blount County Tennessee | 7 | $ 718,000 | $ 102,000 | $ 52,000 |
| McNairy County Tennessee | 7 | $ 272,000 | $ 38,000 | $ 32,000 |
| Lamar County Mississippi | 6 | $ 202,000 | $ 33,000 | $ 47,000 |
| Lee County Mississippi | 6 | $ 278,000 | $ 46,000 | $ 45,000 |
| Monroe County Mississippi | 6 | $ 192,000 | $ 32,000 | $ 24,000 |
| Walthall County Mississippi | 6 | $ 230,000 | $ 38,000 | $ 30,000 |
| Wayne County Mississippi | 6 | $ 323,000 | $ 53,000 | $ 35,000 |
| Decatur County Tennessee | 6 | $ 764,000 | $ 127,000 | $ 88,000 |
| Lauderdale County Tennessee | 6 | $ 215,000 | $ 35,000 | $ 38,000 |
| Claiborne County Mississippi | 5 | $ 239,000 | $ 47,000 | $ 53,000 |
| Forrest County Mississippi | 5 | $ 158,000 | $ 31,000 | $ 44,000 |
| Rankin County Mississippi | 5 | $ 255,000 | $ 51,000 | $ 66,000 |
| Hamblen County Tennessee | 5 | $ 187,000 | $ 37,000 | $ 63,000 |
| Haywood County Tennessee | 5 | $ 346,000 | $ 69,000 | $ 69,000 |
| Clinton County Iowa | 4 | $ 62,000 | $ 15,000 | $ 51,000 |
| Clay County Kentucky | 4 | $ 142,000 | $ 35,000 | $ 45,000 |
| Laurel County Kentucky | 4 | $ 220,000 | $ 55,000 | $ 32,000 |
| Alcorn County Mississippi | 4 | $ 88,000 | $ 22,000 | $ 28,000 |
| Calhoun County Mississippi | 4 | $ 102,000 | $ 25,000 | $ 41,000 |
| Chickasaw County Mississippi | 4 | $ 138,000 | $ 34,000 | $ 35,000 |
| Copiah County Mississippi | 4 | $ 150,000 | $ 37,000 | $ 75,000 |
| Franklin County Mississippi | 4 | $ 152,000 | $ 38,000 | $ 41,000 |
| George County Mississippi | 4 | $ 164,000 | $ 41,000 | $ 58,000 |
| Greene County Mississippi | 4 | $ 254,000 | $ 63,000 | $ 60,000 |
| Hinds County Mississippi | 4 | $ 127,000 | $ 31,000 | $ 34,000 |
| Jefferson County Mississippi | 4 | $ 179,000 | $ 44,000 | $ 83,000 |
| Panola County Mississippi | 4 | $ 265,000 | $ 66,000 | $ 49,000 |
| Pearl River County Mississippi | 4 | $ 194,000 | $ 48,000 | $ 79,000 |
| Pike County Mississippi | 4 | $ 134,000 | $ 33,000 | $ 24,000 |
| Webster County Mississippi | 4 | $ 161,000 | $ 40,000 | $ 39,000 |
| Cumberland County Tennessee | 4 | $ 167,000 | $ 41,000 | $ 34,000 |
| Fentress County Tennessee | 4 | $ 181,000 | $ 45,000 | $ 76,000 |
| Marion County Tennessee | 4 | $ 165,000 | $ 41,000 | $ 38,000 |
| White County Tennessee | 4 | $ 207,000 | $ 51,000 | $ 31,000 |
| Morgan County Georgia | 3 | $ 54,000 | $ 18,000 | $ 70,000 |
| Lauderdale County Mississippi | 3 | $ 213,000 | $ 71,000 | $ 38,000 |
| Lowndes County Mississippi | 3 | $ 116,000 | $ 38,000 | $ 36,000 |
| Oktibbeha County Mississippi | 3 | $ 154,000 | $ 51,000 | $ 50,000 |
| Perry County Mississippi | 3 | $ 134,000 | $ 44,000 | $ 41,000 |
| Pontotoc County Mississippi | 3 | $ 142,000 | $ 47,000 | $ 30,000 |
| Yazoo County Mississippi | 3 | $ 162,000 | $ 54,000 | $ 63,000 |
| Campbell County Tennessee | 3 | $ 184,000 | $ 61,000 | $ 144,000 |
| Carroll County Tennessee | 3 | $ 159,000 | $ 53,000 | $ 36,000 |
| Grainger County Tennessee | 3 | $ 280,000 | $ 93,000 | $ 66,000 |
| Jefferson County Tennessee | 3 | $ 475,000 | $ 158,000 | $ 61,000 |
| Monroe County Tennessee | 3 | $ 241,000 | $ 80,000 | $ 66,000 |
| Overton County Tennessee | 3 | $ 135,000 | $ 45,000 | $ 88,000 |
| Putnam County Tennessee | 3 | $ 171,000 | $ 57,000 | $ 86,000 |
| Roane County Tennessee | 3 | $ 284,000 | $ 94,000 | $ 45,000 |
| Warren County Tennessee | 3 | $ 74,000 | $ 24,000 | $ 39,000 |
| Wilson County Tennessee | 3 | $ 183,000 | $ 61,000 | $ 37,000 |
| El Paso County Colorado | 2 | $ 31,000 | $ 15,000 | $ 41,000 |
| St. Clair County Illinois | 2 | $ 59,000 | $ 29,000 | $ 23,000 |
| Whitley County Kentucky | 2 | $ 26,000 | $ 13,000 | $ 68,000 |
| Adams County Mississippi | 2 | $ 93,000 | $ 46,000 | $ 46,000 |
| Amite County Mississippi | 2 | $ 58,000 | $ 29,000 | $ 63,000 |
| Benton County Mississippi | 2 | $ 54,000 | $ 27,000 | $ 66,000 |
| Covington County Mississippi | 2 | $ 102,000 | $ 51,000 | $ 27,000 |
| Harrison County Mississippi | 2 | $ 110,000 | $ 55,000 | $ 51,000 |
| Leake County Mississippi | 2 | $ 82,000 | $ 41,000 | $ 28,000 |
| Madison County Mississippi | 2 | $ 72,000 | $ 36,000 | $ 19,000 |
| Newton County Mississippi | 2 | $ 118,000 | $ 59,000 | $ 49,000 |
| Noxubee County Mississippi | 2 | $ 69,000 | $ 34,000 | $ 94,000 |
| Scott County Mississippi | 2 | $ 134,000 | $ 67,000 | $ 63,000 |
| Simpson County Mississippi | 2 | $ 120,000 | $ 60,000 | $ 55,000 |
| Wilkinson County Mississippi | 2 | $ 96,000 | $ 48,000 | $ 51,000 |
| Beckham County Oklahoma | 2 | $ 57,000 | $ 28,000 | $ 22,000 |
| Anderson County Tennessee | 2 | $ 248,000 | $ 124,000 | $ 145,000 |
| Bradley County Tennessee | 2 | $ 114,000 | $ 57,000 | $ 22,000 |
| Coffee County Tennessee | 2 | $ 116,000 | $ 58,000 | $ 49,000 |
| Hamilton County Tennessee | 2 | $ 142,000 | $ 71,000 | $ 57,000 |
| Hardin County Tennessee | 2 | $ 95,000 | $ 47,000 | $ 47,000 |
| Lawrence County Tennessee | 2 | $ 57,000 | $ 28,000 | $ 31,000 |
| Loudon County Tennessee | 2 | $ 431,000 | $ 215,000 | $ 85,000 |
| Maury County Tennessee | 2 | $ 74,000 | $ 37,000 | $ 28,000 |
| Morgan County Tennessee | 2 | $ 108,000 | $ 54,000 | $ 47,000 |
| Polk County Tennessee | 2 | $ 106,000 | $ 53,000 | $ 40,000 |
| Washington County Tennessee | 2 | $ 54,000 | $ 27,000 | $ 59,000 |
| Larimer County Colorado | 1 | $ 19,000 | $ 19,000 | $ 60,000 |
| Broward County Florida | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Hillsborough County Florida | 1 | $ 20,000 | $ 20,000 | $ 29,000 |
| Leon County Florida | 1 | $ 46,000 | $ 46,000 | $ 36,000 |
| Palm Beach County Florida | 1 | $ 13,000 | $ 13,000 | $ 22,000 |
| Carroll County Georgia | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Whitfield County Georgia | 1 | $ 54,000 | $ 54,000 | $ 48,000 |
| Madison County Indiana | 1 | $ 11,000 | $ 11,000 | $ 22,000 |
| Allen County Kentucky | 1 | $ 112,000 | $ 112,000 | $ 70,000 |
| Clark County Kentucky | 1 | $ 14,000 | $ 14,000 | $ 39,000 |
| Fayette County Kentucky | 1 | $ 33,000 | $ 33,000 | $ 30,000 |
| Hardin County Kentucky | 1 | $ 11,000 | $ 11,000 | $ 38,000 |
| Knox County Kentucky | 1 | $ 22,000 | $ 22,000 | $ 30,000 |
| Pulaski County Kentucky | 1 | $ 17,000 | $ 17,000 | $ 20,000 |
| Concordia County Louisiana | 1 | $ 60,000 | $ 60,000 | $ 58,000 |
| Wayne County Michigan | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Attala County Mississippi | 1 | $ 36,000 | $ 36,000 | $ 67,000 |
| Bolivar County Mississippi | 1 | $ 43,000 | $ 43,000 | $ 46,000 |
| Carroll County Mississippi | 1 | $ 38,000 | $ 38,000 | $ 28,000 |
| Clarke County Mississippi | 1 | $ 80,000 | $ 80,000 | $ 19,000 |
| Clay County Mississippi | 1 | $ 69,000 | $ 69,000 | $ 62,000 |
| Hancock County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Jefferson Davis County Mississippi | 1 | $ 28,000 | $ 28,000 | $ 48,000 |
| Lawrence County Mississippi | 1 | $ 13,000 | $ 13,000 | $ 15,000 |
| Marshall County Mississippi | 1 | $ 48,000 | $ 48,000 | $ 25,000 |
| Neshoba County Mississippi | 1 | $ 58,000 | $ 58,000 | $ 58,000 |
| Stone County Mississippi | 1 | $ 36,000 | $ 36,000 | $ 80,000 |
| Tallahatchie County Mississippi | 1 | $ 42,000 | $ 42,000 | $ 34,000 |
| Tippah County Mississippi | 1 | $ 54,000 | $ 54,000 | $ 32,000 |
| Tishomingo County Mississippi | 1 | $ 13,000 | $ 13,000 | $ 10,000 |
| Washington County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 79,000 |
| Jefferson County Missouri | 1 | $ 47,000 | $ 47,000 | $ 11,000 |
| New Hanover County North Carolina | 1 | $ 11,000 | $ 11,000 | $ 90,000 |
| Bedford County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Cannon County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 54,000 |
| Clay County Tennessee | 1 | $ 16,000 | $ 16,000 | $ 65,000 |
| Cocke County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 54,000 |
| DeKalb County Tennessee | 1 | $ 33,000 | $ 33,000 | $ 20,000 |
| Dickson County Tennessee | 1 | $ 61,000 | $ 61,000 | $ 61,000 |
| Fayette County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Franklin County Tennessee | 1 | $ 21,000 | $ 21,000 | $ 21,000 |
| Grundy County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 56,000 |
| Hardeman County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 31,000 |
| Henry County Tennessee | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Jackson County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 90,000 |
| Lincoln County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 50,000 |
| McMinn County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Meigs County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Perry County Tennessee | 1 | $ 22,000 | $ 22,000 | $ 59,000 |
| Pickett County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 28,000 |
| Rutherford County Tennessee | 1 | $ 37,000 | $ 37,000 | $ 43,000 |
| Sullivan County Tennessee | 1 | $ 22,000 | $ 22,000 | $ 20,000 |
| Van Buren County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 35,000 |
| Weakley County Tennessee | 1 | $ 41,000 | $ 41,000 | $ 39,000 |
| Williamson County Tennessee | 1 | $ 673,000 | $ 673,000 | $ 0 |
| Bexar County Texas | 1 | $ 34,000 | $ 34,000 | $ 25,000 |
| Tarrant County Texas | 1 | $ 94,000 | $ 94,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Clayton Bank And Trust 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,049 | $106,984,000 | $52,000 | $1,665,000 | $43,000 | $1,700,000 |
| Refinancing | 222 | $16,019,000 | $72,000 | $912,000 | $68,000 | $1,000,000 |
| Home Improvement | 68 | $2,540,000 | $37,000 | $1,080,000 | $38,000 | $241,000 |
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 | 1,523 | $86,829,000 | $57,000 | $1,665,000 | $53,000 | $1,700,000 |
| Black or African American | 400 | $18,150,000 | $45,000 | $109,000 | $38,000 | $189,000 |
| Not Provided | 192 | $10,374,000 | $54,000 | $1,160,000 | $42,000 | $236,000 |
| Not applicable | 177 | $7,978,000 | $45,000 | $1,080,000 | $0 | $63,000 |
| Hispanic | 32 | $1,463,000 | $45,000 | $142,000 | $41,000 | $126,000 |
| American Indian or Alaskan Native | 9 | $504,000 | $56,000 | $126,000 | $56,000 | $202,000 |
| Asian | 5 | $179,000 | $35,000 | $66,000 | $24,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $66,000 | $66,000 | $66,000 | $53,000 | $53,000 |
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) | 2,339 | $125,543,000 | $53,000 | $1,665,000 | $45,000 | $1,700,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Preapproval Denied by Financial Institution | 1,087 | $57,009,000 | $52,000 | $160,000 | $40,000 | $400,000 |
| Loan Originated | 678 | $41,558,000 | $61,000 | $1,665,000 | $64,000 | $1,700,000 |
| Preapproval Approved but not Accepted | 354 | $18,005,000 | $50,000 | $432,000 | $48,000 | $540,000 |
| Loan Purchased By The Institution | 152 | $4,529,000 | $29,000 | $110,000 | $0 | $0 |
| Application Denied By Financial Institution | 54 | $2,239,000 | $41,000 | $300,000 | $29,000 | $75,000 |
| Application Withdrawn By Applicant | 13 | $2,140,000 | $164,000 | $1,160,000 | $71,000 | $241,000 |
| Application Approved But Not Accepted | 1 | $63,000 | $63,000 | $63,000 | $32,000 | $32,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 672 | $34,732,000 | $51,000 | $300,000 | $40,000 | $400,000 |
| Employment History | 234 | $12,040,000 | $51,000 | $160,000 | $40,000 | $180,000 |
| Debt-To-Income Ratio | 139 | $7,352,000 | $52,000 | $141,000 | $38,000 | $236,000 |
| Other | 21 | $1,304,000 | $62,000 | $127,000 | $55,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $615,000 | $43,000 | $90,000 | $48,000 | $87,000 |
| Collateral | 7 | $372,000 | $53,000 | $101,000 | $47,000 | $71,000 |
| Credit Application Incomplete | 4 | $231,000 | $57,000 | $66,000 | $28,000 | $41,000 |
| Unverifiable Information | 2 | $126,000 | $63,000 | $83,000 | $41,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clayton Bank And Trust's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Clayton Bank And Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.