Clayton Bank And Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Clayton Bank And Trust 2012 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 | 1,532 |
| Total Mortgage Loan Application Amount | $88,138,000 |
| Average Mortgage Loan Application Amount | $58,666 |
| Highest Mortgage Loan Application Amount | $1,670,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $352,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Knox County Tennessee | 38 | $ 7,148,000 | $ 188,000 | $ 93,000 |
| Laurel County Kentucky | 30 | $ 1,325,000 | $ 44,000 | $ 38,000 |
| Henderson County Tennessee | 30 | $ 1,514,000 | $ 50,000 | $ 53,000 |
| Lee County Mississippi | 20 | $ 1,130,000 | $ 56,000 | $ 38,000 |
| Lincoln County Mississippi | 19 | $ 1,321,000 | $ 69,000 | $ 55,000 |
| Sevier County Tennessee | 18 | $ 1,152,000 | $ 64,000 | $ 52,000 |
| Pike County Mississippi | 17 | $ 940,000 | $ 55,000 | $ 54,000 |
| Forrest County Mississippi | 16 | $ 721,000 | $ 45,000 | $ 29,000 |
| Jones County Mississippi | 15 | $ 561,000 | $ 37,000 | $ 34,000 |
| Marion County Mississippi | 15 | $ 970,000 | $ 64,000 | $ 69,000 |
| Coffee County Tennessee | 14 | $ 592,000 | $ 42,000 | $ 46,000 |
| Tuscaloosa County Alabama | 13 | $ 913,000 | $ 70,000 | $ 58,000 |
| Green County Kentucky | 13 | $ 674,000 | $ 51,000 | $ 40,000 |
| Lowndes County Mississippi | 12 | $ 767,000 | $ 63,000 | $ 48,000 |
| Monroe County Mississippi | 12 | $ 728,000 | $ 60,000 | $ 36,000 |
| Walthall County Mississippi | 12 | $ 660,000 | $ 55,000 | $ 68,000 |
| Warren County Mississippi | 12 | $ 715,000 | $ 59,000 | $ 55,000 |
| Covington County Mississippi | 11 | $ 723,000 | $ 65,000 | $ 45,000 |
| Hinds County Mississippi | 11 | $ 680,000 | $ 61,000 | $ 46,000 |
| Perry County Mississippi | 11 | $ 623,000 | $ 56,000 | $ 37,000 |
| Wayne County Mississippi | 11 | $ 587,000 | $ 53,000 | $ 72,000 |
| Chester County Tennessee | 11 | $ 352,000 | $ 32,000 | $ 37,000 |
| Madison County Tennessee | 11 | $ 397,000 | $ 36,000 | $ 52,000 |
| Taylor County Kentucky | 10 | $ 489,000 | $ 48,000 | $ 34,000 |
| Lamar County Mississippi | 10 | $ 538,000 | $ 53,000 | $ 61,000 |
| Bedford County Tennessee | 10 | $ 733,000 | $ 73,000 | $ 79,000 |
| Jefferson County Tennessee | 10 | $ 743,000 | $ 74,000 | $ 64,000 |
| Knox County Kentucky | 9 | $ 373,000 | $ 41,000 | $ 35,000 |
| Chickasaw County Mississippi | 9 | $ 513,000 | $ 57,000 | $ 33,000 |
| Wilson County Tennessee | 9 | $ 408,000 | $ 45,000 | $ 33,000 |
| Chilton County Alabama | 8 | $ 447,000 | $ 55,000 | $ 56,000 |
| Clay County Kentucky | 8 | $ 342,000 | $ 42,000 | $ 38,000 |
| Adams County Mississippi | 8 | $ 471,000 | $ 58,000 | $ 61,000 |
| Copiah County Mississippi | 8 | $ 461,000 | $ 57,000 | $ 59,000 |
| Jefferson County Mississippi | 8 | $ 421,000 | $ 52,000 | $ 75,000 |
| Lawrence County Mississippi | 8 | $ 497,000 | $ 62,000 | $ 78,000 |
| Rankin County Mississippi | 8 | $ 431,000 | $ 53,000 | $ 49,000 |
| Anderson County Tennessee | 8 | $ 343,000 | $ 42,000 | $ 38,000 |
| Cannon County Tennessee | 8 | $ 392,000 | $ 49,000 | $ 45,000 |
| Putnam County Tennessee | 8 | $ 408,000 | $ 51,000 | $ 46,000 |
| White County Tennessee | 8 | $ 400,000 | $ 50,000 | $ 39,000 |
| Colquitt County Georgia | 7 | $ 157,000 | $ 22,000 | $ 0 |
| Amite County Mississippi | 7 | $ 337,000 | $ 48,000 | $ 48,000 |
| Itawamba County Mississippi | 7 | $ 365,000 | $ 52,000 | $ 42,000 |
| Lafayette County Mississippi | 7 | $ 400,000 | $ 57,000 | $ 46,000 |
| Blount County Tennessee | 7 | $ 477,000 | $ 68,000 | $ 49,000 |
| Crockett County Tennessee | 7 | $ 206,000 | $ 29,000 | $ 38,000 |
| Jackson County Tennessee | 7 | $ 263,000 | $ 37,000 | $ 49,000 |
| Overton County Tennessee | 7 | $ 284,000 | $ 40,000 | $ 52,000 |
| Jasper County Mississippi | 6 | $ 334,000 | $ 55,000 | $ 62,000 |
| Pontotoc County Mississippi | 6 | $ 251,000 | $ 41,000 | $ 39,000 |
| Tippah County Mississippi | 6 | $ 365,000 | $ 60,000 | $ 46,000 |
| Union County Mississippi | 6 | $ 350,000 | $ 58,000 | $ 45,000 |
| Franklin County Tennessee | 6 | $ 124,000 | $ 20,000 | $ 58,000 |
| McNairy County Tennessee | 6 | $ 290,000 | $ 48,000 | $ 36,000 |
| Moore County Tennessee | 6 | $ 297,000 | $ 49,000 | $ 78,000 |
| Hale County Alabama | 5 | $ 220,000 | $ 44,000 | $ 70,000 |
| Adair County Kentucky | 5 | $ 292,000 | $ 58,000 | $ 25,000 |
| Muhlenberg County Kentucky | 5 | $ 373,000 | $ 74,000 | $ 40,000 |
| Alcorn County Mississippi | 5 | $ 228,000 | $ 45,000 | $ 51,000 |
| Clay County Mississippi | 5 | $ 187,000 | $ 37,000 | $ 30,000 |
| Greene County Mississippi | 5 | $ 253,000 | $ 50,000 | $ 39,000 |
| Marshall County Mississippi | 5 | $ 263,000 | $ 52,000 | $ 36,000 |
| Smith County Mississippi | 5 | $ 279,000 | $ 55,000 | $ 51,000 |
| Wilkinson County Mississippi | 5 | $ 158,000 | $ 31,000 | $ 37,000 |
| Yazoo County Mississippi | 5 | $ 179,000 | $ 35,000 | $ 48,000 |
| Decatur County Tennessee | 5 | $ 442,000 | $ 88,000 | $ 54,000 |
| Marion County Tennessee | 5 | $ 203,000 | $ 40,000 | $ 26,000 |
| Tipton County Tennessee | 5 | $ 192,000 | $ 38,000 | $ 64,000 |
| Bibb County Alabama | 4 | $ 287,000 | $ 71,000 | $ 67,000 |
| Morgan County Georgia | 4 | $ 138,000 | $ 34,000 | $ 39,000 |
| Worth County Georgia | 4 | $ 128,000 | $ 32,000 | $ 0 |
| Larue County Kentucky | 4 | $ 196,000 | $ 49,000 | $ 123,000 |
| Marion County Kentucky | 4 | $ 164,000 | $ 41,000 | $ 34,000 |
| Washington County Kentucky | 4 | $ 201,000 | $ 50,000 | $ 44,000 |
| Benton County Mississippi | 4 | $ 221,000 | $ 55,000 | $ 36,000 |
| Claiborne County Mississippi | 4 | $ 133,000 | $ 33,000 | $ 30,000 |
| Franklin County Mississippi | 4 | $ 182,000 | $ 45,000 | $ 45,000 |
| Noxubee County Mississippi | 4 | $ 232,000 | $ 58,000 | $ 44,000 |
| Prentiss County Mississippi | 4 | $ 244,000 | $ 61,000 | $ 35,000 |
| Winston County Mississippi | 4 | $ 144,000 | $ 36,000 | $ 28,000 |
| Cumberland County Tennessee | 4 | $ 313,000 | $ 78,000 | $ 44,000 |
| Dyer County Tennessee | 4 | $ 202,000 | $ 50,000 | $ 45,000 |
| Gibson County Tennessee | 4 | $ 147,000 | $ 36,000 | $ 31,000 |
| Hardeman County Tennessee | 4 | $ 492,000 | $ 123,000 | $ 33,000 |
| Marshall County Tennessee | 4 | $ 114,000 | $ 28,000 | $ 25,000 |
| Rutherford County Tennessee | 4 | $ 233,000 | $ 58,000 | $ 30,000 |
| Shelby County Tennessee | 4 | $ 210,000 | $ 52,000 | $ 86,000 |
| Warren County Tennessee | 4 | $ 133,000 | $ 33,000 | $ 27,000 |
| Elmore County Alabama | 3 | $ 99,000 | $ 33,000 | $ 35,000 |
| Brooks County Georgia | 3 | $ 72,000 | $ 24,000 | $ 0 |
| Breathitt County Kentucky | 3 | $ 170,000 | $ 56,000 | $ 54,000 |
| Hardin County Kentucky | 3 | $ 152,000 | $ 50,000 | $ 54,000 |
| Jackson County Kentucky | 3 | $ 199,000 | $ 66,000 | $ 58,000 |
| Ohio County Kentucky | 3 | $ 190,000 | $ 63,000 | $ 57,000 |
| Whitley County Kentucky | 3 | $ 131,000 | $ 43,000 | $ 58,000 |
| Choctaw County Mississippi | 3 | $ 215,000 | $ 71,000 | $ 38,000 |
| Jackson County Mississippi | 3 | $ 186,000 | $ 62,000 | $ 41,000 |
| Jefferson Davis County Mississippi | 3 | $ 211,000 | $ 70,000 | $ 53,000 |
| Panola County Mississippi | 3 | $ 175,000 | $ 58,000 | $ 28,000 |
| Pearl River County Mississippi | 3 | $ 128,000 | $ 42,000 | $ 29,000 |
| Simpson County Mississippi | 3 | $ 165,000 | $ 55,000 | $ 43,000 |
| Tishomingo County Mississippi | 3 | $ 185,000 | $ 61,000 | $ 32,000 |
| Jefferson County Missouri | 3 | $ 60,000 | $ 20,000 | $ 25,000 |
| Beckham County Oklahoma | 3 | $ 42,000 | $ 14,000 | $ 42,000 |
| Bledsoe County Tennessee | 3 | $ 251,000 | $ 83,000 | $ 48,000 |
| Clay County Tennessee | 3 | $ 234,000 | $ 78,000 | $ 80,000 |
| Fayette County Tennessee | 3 | $ 122,000 | $ 40,000 | $ 30,000 |
| Fentress County Tennessee | 3 | $ 165,000 | $ 55,000 | $ 55,000 |
| Lauderdale County Tennessee | 3 | $ 175,000 | $ 58,000 | $ 58,000 |
| McMinn County Tennessee | 3 | $ 176,000 | $ 58,000 | $ 38,000 |
| Robertson County Tennessee | 3 | $ 214,000 | $ 71,000 | $ 32,000 |
| Sequatchie County Tennessee | 3 | $ 105,000 | $ 35,000 | $ 51,000 |
| Choctaw County Alabama | 2 | $ 143,000 | $ 71,000 | $ 57,000 |
| Jefferson County Alabama | 2 | $ 102,000 | $ 51,000 | $ 49,000 |
| Lamar County Alabama | 2 | $ 133,000 | $ 66,000 | $ 42,000 |
| Lowndes County Alabama | 2 | $ 121,000 | $ 60,000 | $ 40,000 |
| Shelby County Alabama | 2 | $ 145,000 | $ 72,000 | $ 47,000 |
| Mitchell County Georgia | 2 | $ 40,000 | $ 20,000 | $ 0 |
| Casey County Kentucky | 2 | $ 88,000 | $ 44,000 | $ 29,000 |
| Clinton County Kentucky | 2 | $ 125,000 | $ 62,000 | $ 44,000 |
| Hancock County Kentucky | 2 | $ 103,000 | $ 51,000 | $ 49,000 |
| Henderson County Kentucky | 2 | $ 108,000 | $ 54,000 | $ 59,000 |
| Hopkins County Kentucky | 2 | $ 81,000 | $ 40,000 | $ 37,000 |
| Leslie County Kentucky | 2 | $ 117,000 | $ 58,000 | $ 41,000 |
| Russell County Kentucky | 2 | $ 136,000 | $ 68,000 | $ 75,000 |
| Macomb County Michigan | 2 | $ 55,000 | $ 27,000 | $ 0 |
| Oakland County Michigan | 2 | $ 72,000 | $ 36,000 | $ 0 |
| Attala County Mississippi | 2 | $ 98,000 | $ 49,000 | $ 74,000 |
| Carroll County Mississippi | 2 | $ 126,000 | $ 63,000 | $ 30,000 |
| George County Mississippi | 2 | $ 110,000 | $ 55,000 | $ 46,000 |
| Harrison County Mississippi | 2 | $ 80,000 | $ 40,000 | $ 25,000 |
| Holmes County Mississippi | 2 | $ 126,000 | $ 63,000 | $ 34,000 |
| Lauderdale County Mississippi | 2 | $ 127,000 | $ 63,000 | $ 78,000 |
| Madison County Mississippi | 2 | $ 145,000 | $ 72,000 | $ 64,000 |
| Neshoba County Mississippi | 2 | $ 105,000 | $ 52,000 | $ 34,000 |
| Oktibbeha County Mississippi | 2 | $ 110,000 | $ 55,000 | $ 48,000 |
| Washington County Mississippi | 2 | $ 144,000 | $ 72,000 | $ 40,000 |
| Yalobusha County Mississippi | 2 | $ 93,000 | $ 46,000 | $ 44,000 |
| Cheatham County Tennessee | 2 | $ 120,000 | $ 60,000 | $ 72,000 |
| DeKalb County Tennessee | 2 | $ 91,000 | $ 45,000 | $ 24,000 |
| Dickson County Tennessee | 2 | $ 85,000 | $ 42,000 | $ 50,000 |
| Grundy County Tennessee | 2 | $ 44,000 | $ 22,000 | $ 46,000 |
| Hamblen County Tennessee | 2 | $ 78,000 | $ 39,000 | $ 48,000 |
| Hardin County Tennessee | 2 | $ 87,000 | $ 43,000 | $ 44,000 |
| Henry County Tennessee | 2 | $ 63,000 | $ 31,000 | $ 48,000 |
| Hickman County Tennessee | 2 | $ 143,000 | $ 71,000 | $ 35,000 |
| Maury County Tennessee | 2 | $ 108,000 | $ 54,000 | $ 46,000 |
| Morgan County Tennessee | 2 | $ 100,000 | $ 50,000 | $ 70,000 |
| Smith County Tennessee | 2 | $ 112,000 | $ 56,000 | $ 46,000 |
| Sumner County Tennessee | 2 | $ 101,000 | $ 50,000 | $ 49,000 |
| Trousdale County Tennessee | 2 | $ 93,000 | $ 46,000 | $ 54,000 |
| Washington County Tennessee | 2 | $ 101,000 | $ 50,000 | $ 34,000 |
| Weakley County Tennessee | 2 | $ 79,000 | $ 39,000 | $ 23,000 |
| Autauga County Alabama | 1 | $ 29,000 | $ 29,000 | $ 24,000 |
| Blount County Alabama | 1 | $ 79,000 | $ 79,000 | $ 43,000 |
| Clarke County Alabama | 1 | $ 17,000 | $ 17,000 | $ 36,000 |
| Coosa County Alabama | 1 | $ 32,000 | $ 32,000 | $ 36,000 |
| Limestone County Alabama | 1 | $ 56,000 | $ 56,000 | $ 137,000 |
| Marengo County Alabama | 1 | $ 37,000 | $ 37,000 | $ 19,000 |
| Monroe County Alabama | 1 | $ 73,000 | $ 73,000 | $ 36,000 |
| Montgomery County Alabama | 1 | $ 38,000 | $ 38,000 | $ 24,000 |
| Morgan County Alabama | 1 | $ 69,000 | $ 69,000 | $ 32,000 |
| Perry County Alabama | 1 | $ 74,000 | $ 74,000 | $ 53,000 |
| Pickens County Alabama | 1 | $ 59,000 | $ 59,000 | $ 82,000 |
| Sumter County Alabama | 1 | $ 73,000 | $ 73,000 | $ 86,000 |
| Talladega County Alabama | 1 | $ 37,000 | $ 37,000 | $ 33,000 |
| Crittenden County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 106,000 |
| Duval County Florida | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Baker County Georgia | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Crisp County Georgia | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Grady County Georgia | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Warren County Georgia | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Anderson County Kentucky | 1 | $ 51,000 | $ 51,000 | $ 30,000 |
| Bell County Kentucky | 1 | $ 42,000 | $ 42,000 | $ 26,000 |
| Bracken County Kentucky | 1 | $ 121,000 | $ 121,000 | $ 45,000 |
| Breckinridge County Kentucky | 1 | $ 106,000 | $ 106,000 | $ 52,000 |
| Daviess County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 39,000 |
| Grayson County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 18,000 |
| Knott County Kentucky | 1 | $ 54,000 | $ 54,000 | $ 77,000 |
| Meade County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Metcalfe County Kentucky | 1 | $ 49,000 | $ 49,000 | $ 56,000 |
| Morgan County Kentucky | 1 | $ 33,000 | $ 33,000 | $ 18,000 |
| Perry County Kentucky | 1 | $ 44,000 | $ 44,000 | $ 36,000 |
| Pike County Kentucky | 1 | $ 43,000 | $ 43,000 | $ 18,000 |
| Pulaski County Kentucky | 1 | $ 46,000 | $ 46,000 | $ 19,000 |
| Rockcastle County Kentucky | 1 | $ 43,000 | $ 43,000 | $ 59,000 |
| Webster County Kentucky | 1 | $ 38,000 | $ 38,000 | $ 60,000 |
| Tangipahoa County Louisiana | 1 | $ 30,000 | $ 30,000 | $ 30,000 |
| Eaton County Michigan | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Jackson County Michigan | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Livingston County Michigan | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Calhoun County Mississippi | 1 | $ 39,000 | $ 39,000 | $ 18,000 |
| Clarke County Mississippi | 1 | $ 54,000 | $ 54,000 | $ 140,000 |
| DeSoto County Mississippi | 1 | $ 59,000 | $ 59,000 | $ 45,000 |
| Leake County Mississippi | 1 | $ 79,000 | $ 79,000 | $ 67,000 |
| Leflore County Mississippi | 1 | $ 62,000 | $ 62,000 | $ 33,000 |
| Quitman County Mississippi | 1 | $ 23,000 | $ 23,000 | $ 14,000 |
| Scott County Mississippi | 1 | $ 39,000 | $ 39,000 | $ 29,000 |
| Stone County Mississippi | 1 | $ 24,000 | $ 24,000 | $ 28,000 |
| Tate County Mississippi | 1 | $ 39,000 | $ 39,000 | $ 33,000 |
| Webster County Mississippi | 1 | $ 29,000 | $ 29,000 | $ 13,000 |
| Adams County Ohio | 1 | $ 3,000 | $ 3,000 | $ 43,000 |
| Campbell County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 276,000 |
| Cocke County Tennessee | 1 | $ 44,000 | $ 44,000 | $ 22,000 |
| Giles County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Grainger County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 26,000 |
| Haywood County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 79,000 |
| Humphreys County Tennessee | 1 | $ 41,000 | $ 41,000 | $ 22,000 |
| Lake County Tennessee | 1 | $ 36,000 | $ 36,000 | $ 33,000 |
| Lincoln County Tennessee | 1 | $ 26,000 | $ 26,000 | $ 37,000 |
| Loudon County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Monroe County Tennessee | 1 | $ 26,000 | $ 26,000 | $ 14,000 |
| Obion County Tennessee | 1 | $ 34,000 | $ 34,000 | $ 38,000 |
| Perry County Tennessee | 1 | $ 67,000 | $ 67,000 | $ 38,000 |
| Pickett County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 83,000 |
| Roane County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Union County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 66,000 |
| Van Buren County Tennessee | 1 | $ 87,000 | $ 87,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Clayton Bank And Trust in 2012
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 | 1,424 | $78,896,000 | $55,000 | $575,000 | $45,000 | $352,000 |
| Refinancing | 87 | $8,813,000 | $101,000 | $1,670,000 | $68,000 | $285,000 |
| Home Improvement | 21 | $429,000 | $20,000 | $60,000 | $52,000 | $161,000 |
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 | 1,127 | $63,509,000 | $56,000 | $324,000 | $50,000 | $352,000 |
| Black or African American | 332 | $17,798,000 | $53,000 | $229,000 | $39,000 | $156,000 |
| Not applicable | 36 | $4,947,000 | $137,000 | $1,670,000 | $0 | $0 |
| Hispanic | 29 | $1,449,000 | $49,000 | $105,000 | $40,000 | $100,000 |
| American Indian or Alaskan Native | 3 | $94,000 | $31,000 | $49,000 | $59,000 | $88,000 |
| Asian | 3 | $256,000 | $85,000 | $130,000 | $35,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $52,000 | $52,000 | $52,000 | $47,000 | $47,000 |
| Not Provided | 1 | $33,000 | $33,000 | $33,000 | $40,000 | $40,000 |
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) | 1,532 | $88,138,000 | $57,000 | $1,670,000 | $46,000 | $352,000 |
| 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 | 540 | $30,920,000 | $57,000 | $153,000 | $43,000 | $193,000 |
| Application Denied By Financial Institution | 402 | $21,948,000 | $54,000 | $252,000 | $42,000 | $150,000 |
| Loan Originated | 348 | $22,746,000 | $65,000 | $1,670,000 | $54,000 | $285,000 |
| Application Approved But Not Accepted | 171 | $9,010,000 | $52,000 | $108,000 | $53,000 | $352,000 |
| Application Withdrawn By Applicant | 43 | $2,724,000 | $63,000 | $272,000 | $63,000 | $254,000 |
| Loan Purchased By The Institution | 28 | $790,000 | $28,000 | $64,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Employment History | 1 | $28,000 | $28,000 | $28,000 | $27,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clayton Bank And Trust's 2012 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.