Clayton Bank And Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Clayton Bank And Trust 2016 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 | 4,063 |
| Total Mortgage Loan Application Amount | $279,285,000 |
| Average Mortgage Loan Application Amount | $110,333 |
| Highest Mortgage Loan Application Amount | $6,750,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $1,356,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | $ 131,000 | $ 71,000 |
| BIRMINGHAM-HOOVER, AL | 113 | $ 6,649,000 | $ 58,000 | $ 52,000 |
| AUSTIN-ROUND ROCK, TX | 96 | $ 5,960,000 | $ 62,000 | $ 49,000 |
| JACKSON, MS | 84 | $ 5,065,000 | $ 60,000 | $ 49,000 |
| HATTIESBURG, MS | 69 | $ 4,432,000 | $ 64,000 | $ 50,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 65 | $ 5,498,000 | $ 84,000 | $ 57,000 |
| MEMPHIS, TN-MS-AR | 59 | $ 3,462,000 | $ 55,333 | $ 57,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 59 | $ 2,821,000 | $ 47,000 | $ 54,000 |
| GULFPORT-BILOXI-PASCAGOULA, MS | 56 | $ 4,076,000 | $ 72,000 | $ 63,000 |
| MOBILE, AL | 55 | $ 3,537,000 | $ 64,000 | $ 57,000 |
| JACKSON, TN | 53 | $ 2,835,000 | $ 53,000 | $ 58,000 |
| MONTGOMERY, AL | 45 | $ 2,847,000 | $ 63,000 | $ 49,000 |
| TUSCALOOSA, AL | 37 | $ 2,224,000 | $ 60,000 | $ 59,000 |
| OWENSBORO, KY | 33 | $ 2,535,000 | $ 76,000 | $ 68,000 |
| DALLAS-PLANO-IRVING, TX | 26 | $ 872,000 | $ 33,000 | $ 45,000 |
| DOTHAN, AL | 26 | $ 1,628,000 | $ 62,000 | $ 50,000 |
| ANNISTON-OXFORD-JACKSONVILLE, AL | 25 | $ 1,588,000 | $ 63,000 | $ 51,000 |
| ALBANY, GA | 23 | $ 1,551,000 | $ 67,000 | $ 48,000 |
| DECATUR, AL | 23 | $ 1,315,000 | $ 57,000 | $ 48,000 |
| VALDOSTA, GA | 23 | $ 1,403,000 | $ 61,000 | $ 53,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 20 | $ 1,434,000 | $ 71,000 | $ 55,000 |
| BOWLING GREEN, KY | 14 | $ 1,089,000 | $ 77,000 | $ 56,000 |
| MORRISTOWN, TN | 13 | $ 1,066,000 | $ 82,000 | $ 62,000 |
| BRUNSWICK, GA | 12 | $ 705,000 | $ 58,000 | $ 56,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 12 | $ 455,000 | $ 37,000 | $ 51,000 |
| BATON ROUGE, LA | 11 | $ 695,000 | $ 63,000 | $ 63,000 |
| CHATTANOOGA, TN-GA | 9 | $ 519,000 | $ 69,000 | $ 48,500 |
| CLARKSVILLE, TN-KY | 9 | $ 605,000 | $ 73,000 | $ 59,000 |
| GADSDEN, AL | 9 | $ 474,000 | $ 52,000 | $ 45,000 |
| JACKSONVILLE, FL | 9 | $ 299,000 | $ 33,000 | $ 42,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 8 | $ 397,000 | $ 49,000 | $ 33,000 |
| LAS CRUCES, NM | 6 | $ 241,000 | $ 40,000 | $ 48,000 |
| CORPUS CHRISTI, TX | 5 | $ 239,000 | $ 47,000 | $ 51,000 |
| EVANSVILLE, IN-KY | 5 | $ 282,000 | $ 50,000 | $ 57,000 |
| FORT WORTH-ARLINGTON, TX | 5 | $ 195,000 | $ 39,000 | $ 52,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 5 | $ 394,000 | $ 99,000 | $ 37,000 |
| OKLAHOMA CITY, OK | 5 | $ 159,000 | $ 31,000 | $ 36,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 5 | $ 156,000 | $ 31,000 | $ 48,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 4 | $ 199,000 | $ 49,000 | $ 40,000 |
| SAVANNAH, GA | 4 | $ 435,000 | $ 108,000 | $ 69,000 |
| AUBURN-OPELIKA, AL | 3 | $ 167,000 | $ 55,000 | $ 49,000 |
| DUBUQUE, IA | 3 | $ 92,000 | $ 30,000 | $ 36,000 |
| FLORENCE, SC | 3 | $ 74,000 | $ 24,000 | $ 38,000 |
| FLORENCE-MUSCLE SHOALS, AL | 3 | $ 256,000 | $ 85,000 | $ 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 | $ 21,000 | $ 27,000 |
| LYNCHBURG, VA | 3 | $ 127,000 | $ 42,000 | $ 36,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 3 | $ 110,000 | $ 36,000 | $ 55,000 |
| CLEVELAND, TN | 2 | $ 195,000 | $ 97,000 | $ 43,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 2 | $ 625,000 | $ 312,000 | $ 19,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 2 | $ 59,000 | $ 29,500 | $ 50,000 |
| DES MOINES-WEST DES MOINES, IA | 2 | $ 61,000 | $ 30,000 | $ 37,000 |
| LAKELAND-WINTER HAVEN, FL | 2 | $ 79,000 | $ 39,000 | $ 54,000 |
| LAWTON, OK | 2 | $ 41,000 | $ 20,000 | $ 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 | $ 31,000 | $ 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.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.