Clayton Bank and Trust Mortgage Lending & HMDA Data, 2016
In 2016, Clayton Bank and Trust of Knoxville, TN reported 4,063 mortgage applications totaling $279.3 million, up 62% from 2015. The average application was for $68,738, and applicants reported an average income of $49,594. 21% of its applications resulted in an originated loan and 42% were denied. Its largest markets were Knoxville, TN (147), Birmingham-Hoover, AL (113) and Austin-Round Rock, TX (96) (applications in parentheses).
| 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 | 4,063 |
| Total Mortgage Loan Application Amount | $279,285,000 |
| Average Mortgage Loan Application Amount | $68,738 |
| Highest Mortgage Loan Application Amount | $6,750,000 |
| Average Applicant Income | $49,594 |
| Highest Applicant Income | $1,356,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Clayton Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Knoxville, TN | 147 | $ 19,302,000 | $ 131,306 | $ 71,000 |
| Birmingham-Hoover, AL | 113 | $ 6,649,000 | $ 58,840 | $ 52,000 |
| Austin-Round Rock, TX | 96 | $ 5,960,000 | $ 62,083 | $ 49,000 |
| Jackson, MS | 84 | $ 5,065,000 | $ 60,297 | $ 49,000 |
| Hattiesburg, MS | 69 | $ 4,432,000 | $ 64,231 | $ 50,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 65 | $ 5,498,000 | $ 84,584 | $ 57,000 |
| Memphis, TN-MS-AR | 59 | $ 3,462,000 | $ 58,677 | $ 52,983 |
| San Antonio-New Braunfels, TX | 59 | $ 2,821,000 | $ 47,813 | $ 54,000 |
| Gulfport-Biloxi-Pascagoula, MS | 56 | $ 4,076,000 | $ 72,785 | $ 63,000 |
| Mobile, AL | 55 | $ 3,537,000 | $ 64,309 | $ 57,000 |
| Jackson, TN | 53 | $ 2,835,000 | $ 53,490 | $ 58,000 |
| Montgomery, AL | 45 | $ 2,847,000 | $ 63,266 | $ 49,000 |
| Tuscaloosa, AL | 37 | $ 2,224,000 | $ 60,108 | $ 59,000 |
| Owensboro, KY | 33 | $ 2,535,000 | $ 76,818 | $ 68,000 |
| Dallas-Plano-Irving, TX | 26 | $ 872,000 | $ 33,538 | $ 45,000 |
| Dothan, AL | 26 | $ 1,628,000 | $ 62,615 | $ 50,000 |
| Anniston-Oxford-Jacksonville, AL | 25 | $ 1,588,000 | $ 63,520 | $ 51,000 |
| Albany, GA | 23 | $ 1,551,000 | $ 67,434 | $ 48,000 |
| Decatur, AL | 23 | $ 1,315,000 | $ 57,173 | $ 48,000 |
| Valdosta, GA | 23 | $ 1,403,000 | $ 61,000 | $ 53,000 |
| Daphne-Fairhope-Foley, AL | 20 | $ 1,434,000 | $ 71,700 | $ 55,000 |
| Bowling Green, KY | 14 | $ 1,089,000 | $ 77,785 | $ 56,000 |
| Morristown, TN | 13 | $ 1,066,000 | $ 82,000 | $ 62,000 |
| Brunswick, GA | 12 | $ 705,000 | $ 58,750 | $ 56,000 |
| Houston-The Woodlands-Sugar Land, TX | 12 | $ 455,000 | $ 37,916 | $ 51,000 |
| Baton Rouge, LA | 11 | $ 695,000 | $ 63,181 | $ 63,000 |
| Chattanooga, TN-GA | 9 | $ 519,000 | $ 57,666 | $ 48,000 |
| Clarksville, TN-KY | 9 | $ 605,000 | $ 67,222 | $ 61,000 |
| Gadsden, AL | 9 | $ 474,000 | $ 52,666 | $ 45,000 |
| Jacksonville, FL | 9 | $ 299,000 | $ 33,222 | $ 42,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 397,000 | $ 49,625 | $ 33,000 |
| Las Cruces, NM | 6 | $ 241,000 | $ 40,166 | $ 48,000 |
| Corpus Christi, TX | 5 | $ 239,000 | $ 47,800 | $ 51,000 |
| Evansville, IN-KY | 5 | $ 282,000 | $ 56,400 | $ 40,800 |
| Fort Worth-Arlington, TX | 5 | $ 195,000 | $ 39,000 | $ 52,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 394,000 | $ 78,800 | $ 39,400 |
| Oklahoma City, OK | 5 | $ 159,000 | $ 31,800 | $ 36,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 156,000 | $ 31,200 | $ 48,000 |
| Charleston-North Charleston, SC | 4 | $ 199,000 | $ 49,750 | $ 40,000 |
| Savannah, GA | 4 | $ 435,000 | $ 108,750 | $ 69,000 |
| Auburn-Opelika, AL | 3 | $ 167,000 | $ 55,666 | $ 49,000 |
| Dubuque, IA | 3 | $ 92,000 | $ 30,666 | $ 36,000 |
| Florence, SC | 3 | $ 74,000 | $ 24,666 | $ 38,000 |
| Florence-Muscle Shoals, AL | 3 | $ 256,000 | $ 85,333 | $ 53,000 |
| Hinesville, GA | 3 | $ 189,000 | $ 63,000 | $ 58,000 |
| Huntsville, AL | 3 | $ 120,000 | $ 40,000 | $ 59,000 |
| Kansas City, MO-KS | 3 | $ 65,000 | $ 21,666 | $ 27,000 |
| Lynchburg, VA | 3 | $ 127,000 | $ 42,333 | $ 36,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 110,000 | $ 36,666 | $ 55,000 |
| Cleveland, TN | 2 | $ 195,000 | $ 97,500 | $ 43,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 625,000 | $ 312,500 | $ 19,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 59,000 | $ 29,500 | $ 50,000 |
| Des Moines-West Des Moines, IA | 2 | $ 61,000 | $ 30,500 | $ 37,000 |
| Lakeland-Winter Haven, FL | 2 | $ 79,000 | $ 39,500 | $ 54,000 |
| Lawton, OK | 2 | $ 41,000 | $ 20,500 | $ 39,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 95,000 | $ 47,500 | $ 54,000 |
| Raleigh, NC | 2 | $ 50,000 | $ 25,000 | $ 51,000 |
| St. Louis, MO-IL | 2 | $ 264,000 | $ 132,000 | $ 37,000 |
| Tyler, TX | 2 | $ 63,000 | $ 31,500 | $ 34,000 |
| Colorado Springs, CO | 1 | $ 21,000 | $ 21,000 | $ 48,000 |
| Columbus, GA-AL | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 910,000 | $ 910,000 | $ 1,338,000 |
| El Paso, TX | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| Elkhart-Goshen, IN | 1 | $ 3,100,000 | $ 3,100,000 | $ 0 |
| Fayetteville, NC | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Gainesville, FL | 1 | $ 31,000 | $ 31,000 | $ 54,000 |
| Hammond, LA | 1 | $ 88,000 | $ 88,000 | $ 146,000 |
| Jackson, MI | 1 | $ 2,170,000 | $ 2,170,000 | $ 0 |
| Johnson City, TN | 1 | $ 91,000 | $ 91,000 | $ 73,000 |
| Kalamazoo-Portage, MI | 1 | $ 12,000 | $ 12,000 | $ 14,000 |
| Lexington-Fayette, KY | 1 | $ 49,000 | $ 49,000 | $ 76,000 |
| New Orleans-Metairie, LA | 1 | $ 21,000 | $ 21,000 | $ 55,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 63,000 | $ 63,000 | $ 37,000 |
| Roanoke, VA | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Rome, GA | 1 | $ 94,000 | $ 94,000 | $ 89,000 |
| Warner Robins, GA | 1 | $ 52,000 | $ 52,000 | $ 32,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 62,000 | $ 62,000 | $ 131,000 |
| Wilmington, NC | 1 | $ 117,000 | $ 117,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Clayton Bank and Trust in 2016
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 | 3,940 | $262,855,000 | $66,000 | $6,750,000 | $49,000 | $1,356,000 |
| Refinancing | 62 | $14,468,000 | $233,000 | $5,000,000 | $87,000 | $872,000 |
| Home Improvement | 61 | $1,962,000 | $32,000 | $583,000 | $50,000 | $182,000 |
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 | 2,741 | $176,224,000 | $64,000 | $971,000 | $53,000 | $1,356,000 |
| Black or African American | 965 | $56,346,000 | $58,000 | $168,000 | $43,000 | $286,000 |
| Hispanic | 240 | $12,929,000 | $53,000 | $162,000 | $45,000 | $203,000 |
| American Indian or Alaskan Native | 36 | $2,374,000 | $65,000 | $120,000 | $40,000 | $95,000 |
| Not applicable | 33 | $26,384,000 | $799,000 | $6,750,000 | $0 | $0 |
| Not Provided | 33 | $3,774,000 | $114,000 | $734,000 | $118,000 | $872,000 |
| Asian | 12 | $1,002,000 | $83,000 | $264,000 | $73,000 | $137,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $252,000 | $84,000 | $99,000 | $46,000 | $78,000 |
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) | 4,057 | $278,813,000 | $68,000 | $6,750,000 | $50,000 | $1,356,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $359,000 | $89,000 | $110,000 | $46,000 | $59,000 |
| FHA-insured (Federal Housing Administration) | 2 | $113,000 | $56,000 | $61,000 | $21,000 | $30,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,719 | $109,443,000 | $63,000 | $375,000 | $47,000 | $315,000 |
| Preapproval Denied by Financial Institution | 1,098 | $70,204,000 | $63,000 | $202,000 | $44,000 | $248,000 |
| Loan Originated | 850 | $74,428,000 | $87,000 | $6,750,000 | $59,000 | $1,356,000 |
| Application Approved But Not Accepted | 340 | $20,082,000 | $59,000 | $191,000 | $58,000 | $575,000 |
| Application Withdrawn By Applicant | 35 | $3,789,000 | $108,000 | $1,840,000 | $52,000 | $166,000 |
| File Closed For Incompleteness | 21 | $1,339,000 | $63,000 | $210,000 | $50,000 | $107,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $152,000 | $50,000 | $89,000 | $35,000 | $46,000 |
| Employment History | 1 | $109,000 | $109,000 | $109,000 | $41,000 | $41,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clayton Bank and Trust's 2016 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.
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