Clayton Bank And Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Clayton Bank And Trust 2010 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 | 1,330 |
| Total Mortgage Loan Application Amount | $69,514,000 |
| Average Mortgage Loan Application Amount | $47,666 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $57,666 |
| Highest Applicant Income | $1,250,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anderson County Tennessee | 41 | $ 1,059,000 | $ 25,000 | $ 5,000 |
| Henderson County Tennessee | 35 | $ 1,347,000 | $ 38,000 | $ 41,000 |
| Chester County Tennessee | 32 | $ 1,451,000 | $ 45,000 | $ 71,000 |
| Knox County Tennessee | 28 | $ 4,646,000 | $ 165,000 | $ 139,000 |
| Tipton County Tennessee | 17 | $ 920,000 | $ 54,000 | $ 62,000 |
| Madison County Tennessee | 12 | $ 1,584,000 | $ 132,000 | $ 78,000 |
| Jackson County Michigan | 11 | $ 254,000 | $ 23,000 | $ 0 |
| Lauderdale County Tennessee | 10 | $ 425,000 | $ 42,000 | $ 37,000 |
| Dyer County Tennessee | 9 | $ 321,000 | $ 35,000 | $ 33,000 |
| Livingston County Michigan | 8 | $ 366,000 | $ 45,000 | $ 0 |
| Oakland County Michigan | 8 | $ 283,000 | $ 35,000 | $ 0 |
| Gibson County Tennessee | 8 | $ 828,000 | $ 103,000 | $ 46,000 |
| Haywood County Tennessee | 8 | $ 575,000 | $ 71,000 | $ 145,000 |
| Eaton County Michigan | 6 | $ 164,000 | $ 27,000 | $ 0 |
| Macomb County Michigan | 6 | $ 145,000 | $ 24,000 | $ 0 |
| Forrest County Mississippi | 6 | $ 307,000 | $ 51,000 | $ 60,000 |
| Oktibbeha County Mississippi | 6 | $ 211,000 | $ 35,000 | $ 33,000 |
| Pike County Mississippi | 6 | $ 196,000 | $ 32,000 | $ 60,000 |
| McMinn County Tennessee | 6 | $ 286,000 | $ 47,000 | $ 39,000 |
| Jasper County Mississippi | 5 | $ 257,000 | $ 51,000 | $ 37,000 |
| Lamar County Mississippi | 5 | $ 318,000 | $ 63,000 | $ 37,000 |
| Pearl River County Mississippi | 5 | $ 263,000 | $ 52,000 | $ 78,000 |
| Blount County Tennessee | 5 | $ 897,000 | $ 179,000 | $ 123,000 |
| McNairy County Tennessee | 5 | $ 155,000 | $ 31,000 | $ 28,000 |
| Sevier County Tennessee | 5 | $ 599,000 | $ 119,000 | $ 49,000 |
| Shelby County Tennessee | 5 | $ 325,000 | $ 65,000 | $ 49,000 |
| Chickasaw County Mississippi | 4 | $ 114,000 | $ 28,000 | $ 34,000 |
| Choctaw County Mississippi | 4 | $ 156,000 | $ 39,000 | $ 38,000 |
| Lee County Mississippi | 4 | $ 196,000 | $ 49,000 | $ 29,000 |
| Lowndes County Mississippi | 4 | $ 119,000 | $ 29,000 | $ 55,000 |
| Pontotoc County Mississippi | 4 | $ 184,000 | $ 46,000 | $ 43,000 |
| Walthall County Mississippi | 4 | $ 255,000 | $ 63,000 | $ 63,000 |
| Crockett County Tennessee | 4 | $ 251,000 | $ 62,000 | $ 67,000 |
| Roane County Tennessee | 4 | $ 215,000 | $ 53,000 | $ 50,000 |
| El Paso County Colorado | 3 | $ 101,000 | $ 33,000 | $ 49,000 |
| Laurel County Kentucky | 3 | $ 91,000 | $ 30,000 | $ 25,000 |
| Copiah County Mississippi | 3 | $ 118,000 | $ 39,000 | $ 24,000 |
| Covington County Mississippi | 3 | $ 121,000 | $ 40,000 | $ 73,000 |
| Jefferson Davis County Mississippi | 3 | $ 156,000 | $ 52,000 | $ 31,000 |
| Rankin County Mississippi | 3 | $ 147,000 | $ 49,000 | $ 41,000 |
| Beckham County Oklahoma | 3 | $ 44,000 | $ 14,000 | $ 46,000 |
| Grainger County Tennessee | 3 | $ 414,000 | $ 138,000 | $ 51,000 |
| White County Tennessee | 3 | $ 133,000 | $ 44,000 | $ 33,000 |
| Pinal County Arizona | 2 | $ 53,000 | $ 26,000 | $ 20,000 |
| Chatham County Georgia | 2 | $ 35,000 | $ 17,000 | $ 51,000 |
| Adams County Mississippi | 2 | $ 82,000 | $ 41,000 | $ 49,000 |
| Franklin County Mississippi | 2 | $ 66,000 | $ 33,000 | $ 34,000 |
| Greene County Mississippi | 2 | $ 92,000 | $ 46,000 | $ 45,000 |
| Jefferson County Mississippi | 2 | $ 97,000 | $ 48,000 | $ 34,000 |
| Jones County Mississippi | 2 | $ 59,000 | $ 29,000 | $ 35,000 |
| Lincoln County Mississippi | 2 | $ 61,000 | $ 30,000 | $ 35,000 |
| Tippah County Mississippi | 2 | $ 102,000 | $ 51,000 | $ 41,000 |
| Wayne County Mississippi | 2 | $ 95,000 | $ 47,000 | $ 57,000 |
| Cannon County Tennessee | 2 | $ 107,000 | $ 53,000 | $ 28,000 |
| Cumberland County Tennessee | 2 | $ 234,000 | $ 117,000 | $ 254,000 |
| Decatur County Tennessee | 2 | $ 222,000 | $ 111,000 | $ 80,000 |
| Hamblen County Tennessee | 2 | $ 106,000 | $ 53,000 | $ 190,000 |
| Loudon County Tennessee | 2 | $ 101,000 | $ 50,000 | $ 38,000 |
| Overton County Tennessee | 2 | $ 132,000 | $ 66,000 | $ 74,000 |
| Putnam County Tennessee | 2 | $ 69,000 | $ 34,000 | $ 62,000 |
| Smith County Tennessee | 2 | $ 50,000 | $ 25,000 | $ 25,000 |
| Montgomery County Texas | 2 | $ 56,000 | $ 28,000 | $ 43,000 |
| Lee County Alabama | 1 | $ 50,000 | $ 50,000 | $ 423,000 |
| Maricopa County Arizona | 1 | $ 20,000 | $ 20,000 | $ 25,000 |
| Brevard County Florida | 1 | $ 15,000 | $ 15,000 | $ 16,000 |
| Morgan County Georgia | 1 | $ 26,000 | $ 26,000 | $ 32,000 |
| Clay County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Grant County Kentucky | 1 | $ 6,000 | $ 6,000 | $ 29,000 |
| Madison County Kentucky | 1 | $ 11,000 | $ 11,000 | $ 18,000 |
| Scott County Kentucky | 1 | $ 22,000 | $ 22,000 | $ 12,000 |
| Union County Kentucky | 1 | $ 24,000 | $ 24,000 | $ 24,000 |
| Amite County Mississippi | 1 | $ 28,000 | $ 28,000 | $ 35,000 |
| Claiborne County Mississippi | 1 | $ 56,000 | $ 56,000 | $ 43,000 |
| Clarke County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
| DeSoto County Mississippi | 1 | $ 37,000 | $ 37,000 | $ 47,000 |
| Hancock County Mississippi | 1 | $ 26,000 | $ 26,000 | $ 29,000 |
| Hinds County Mississippi | 1 | $ 79,000 | $ 79,000 | $ 72,000 |
| Itawamba County Mississippi | 1 | $ 46,000 | $ 46,000 | $ 32,000 |
| Lafayette County Mississippi | 1 | $ 51,000 | $ 51,000 | $ 14,000 |
| Leake County Mississippi | 1 | $ 39,000 | $ 39,000 | $ 36,000 |
| Marion County Mississippi | 1 | $ 37,000 | $ 37,000 | $ 39,000 |
| Marshall County Mississippi | 1 | $ 58,000 | $ 58,000 | $ 57,000 |
| Noxubee County Mississippi | 1 | $ 47,000 | $ 47,000 | $ 22,000 |
| Panola County Mississippi | 1 | $ 13,000 | $ 13,000 | $ 12,000 |
| Perry County Mississippi | 1 | $ 22,000 | $ 22,000 | $ 26,000 |
| Sharkey County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 23,000 |
| Stone County Mississippi | 1 | $ 37,000 | $ 37,000 | $ 42,000 |
| Warren County Mississippi | 1 | $ 53,000 | $ 53,000 | $ 56,000 |
| Wilkinson County Mississippi | 1 | $ 37,000 | $ 37,000 | $ 33,000 |
| Yazoo County Mississippi | 1 | $ 28,000 | $ 28,000 | $ 27,000 |
| Rio Arriba County New Mexico | 1 | $ 26,000 | $ 26,000 | $ 13,000 |
| Bedford County Tennessee | 1 | $ 17,000 | $ 17,000 | $ 30,000 |
| Benton County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 21,000 |
| Carroll County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| Cocke County Tennessee | 1 | $ 27,000 | $ 27,000 | $ 24,000 |
| DeKalb County Tennessee | 1 | $ 18,000 | $ 18,000 | $ 33,000 |
| Fayette County Tennessee | 1 | $ 66,000 | $ 66,000 | $ 83,000 |
| Grundy County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Henry County Tennessee | 1 | $ 44,000 | $ 44,000 | $ 174,000 |
| Jackson County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 37,000 |
| Jefferson County Tennessee | 1 | $ 210,000 | $ 210,000 | $ 117,000 |
| Lewis County Tennessee | 1 | $ 48,000 | $ 48,000 | $ 67,000 |
| Maury County Tennessee | 1 | $ 27,000 | $ 27,000 | $ 29,000 |
| Monroe County Tennessee | 1 | $ 46,000 | $ 46,000 | $ 38,000 |
| Obion County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 80,000 |
| Polk County Tennessee | 1 | $ 48,000 | $ 48,000 | $ 66,000 |
| Sequatchie County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Van Buren County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 74,000 |
| Weakley County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Wilson County Tennessee | 1 | $ 79,000 | $ 79,000 | $ 54,000 |
| Bexar County Texas | 1 | $ 23,000 | $ 23,000 | $ 13,000 |
Mortgage Loan Application Detail Totals for Clayton Bank And Trust in 2010
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 | 1,232 | $64,216,000 | $52,000 | $805,000 | $43,000 | $1,250,000 |
| Refinancing | 62 | $4,783,000 | $77,000 | $442,000 | $76,000 | $453,000 |
| Home Improvement | 36 | $515,000 | $14,000 | $78,000 | $54,000 | $423,000 |
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 | 969 | $54,668,000 | $56,000 | $805,000 | $51,000 | $1,250,000 |
| Black or African American | 245 | $10,634,000 | $43,000 | $200,000 | $36,000 | $185,000 |
| Not applicable | 76 | $2,283,000 | $30,000 | $100,000 | $0 | $0 |
| Hispanic | 29 | $1,360,000 | $46,000 | $180,000 | $34,000 | $60,000 |
| Not Provided | 7 | $206,000 | $29,000 | $68,000 | $48,000 | $153,000 |
| Asian | 4 | $363,000 | $90,000 | $166,000 | $142,000 | $423,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $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) | 1,330 | $69,514,000 | $52,000 | $805,000 | $45,000 | $1,250,000 |
| 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 | 683 | $35,077,000 | $51,000 | $171,000 | $39,000 | $185,000 |
| Loan Originated | 317 | $18,661,000 | $58,000 | $470,000 | $60,000 | $472,000 |
| Preapproval Approved but not Accepted | 189 | $8,953,000 | $47,000 | $138,000 | $54,000 | $1,000,000 |
| Loan Purchased By The Institution | 72 | $2,057,000 | $28,000 | $86,000 | $0 | $0 |
| Application Denied By Financial Institution | 45 | $1,810,000 | $40,000 | $239,000 | $34,000 | $225,000 |
| Application Withdrawn By Applicant | 21 | $2,818,000 | $134,000 | $805,000 | $103,000 | $1,250,000 |
| Application Approved But Not Accepted | 3 | $138,000 | $46,000 | $90,000 | $54,000 | $115,000 |
| 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 | 448 | $22,519,000 | $50,000 | $200,000 | $40,000 | $185,000 |
| Employment History | 143 | $6,673,000 | $46,000 | $112,000 | $38,000 | $138,000 |
| Debt-To-Income Ratio | 87 | $4,974,000 | $57,000 | $239,000 | $34,000 | $225,000 |
| Other | 25 | $1,392,000 | $55,000 | $127,000 | $41,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $708,000 | $64,000 | $115,000 | $52,000 | $114,000 |
| Unverifiable Information | 5 | $395,000 | $79,000 | $138,000 | $56,000 | $89,000 |
| Collateral | 5 | $100,000 | $20,000 | $35,000 | $49,000 | $124,000 |
| Credit Application Incomplete | 1 | $49,000 | $49,000 | $49,000 | $29,000 | $29,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clayton Bank And Trust's 2010 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.