Carroll County, TN Mortgage Lenders & HMDA Data, 2009

In 2009, lenders reported 981 mortgage applications in Carroll County, TN totaling $90.7 million, down 3% from 2008. The average application was for $92,000, and applicants reported an average income of $55,000. 51% of applications resulted in an originated loan and 19% were denied. The most active lender was Firstbank, with 146 applications, followed by Regions Bank and JPMorgan Chase Bank, NA.

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Total Number of Mortgage Applications 981
Total Mortgage Loan Application Amount $90,705,000
Average Mortgage Loan Application Amount $92,000
Highest Mortgage Loan Application Amount $1,780,000
Average Applicant Income $55,000
Highest Applicant Income $815,000

Mortgage Company List for Lending in Carroll County, TN for 2009

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,098,175,000 146 $ 7,759,000
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 142,084,005,000 83 $ 8,238,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,746,242,000,000 71 $ 7,754,000
Centennial Bank
P.O. BOX 308
TREZEVANT, TN 38258
* $ 176,001,000 60 $ 5,717,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 538,958,000,000 55 $ 6,992,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 47 $ 3,976,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,471,631,047,000 46 $ 4,550,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 37 $ 3,904,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 34 $ 5,156,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 25 $ 2,604,000
Bancorpsouth Bank
P O BOX 789
TUPELO, MS 38802
* $ 13,488,870,000 24 $ 1,937,000
Citifinancial Inc
300 ST PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 21 $ 787,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,227,040,000,000 20 $ 991,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,098,787,000 19 $ 1,936,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 117,978,966,000 16 $ 1,872,000
McKenzie Banking Company
676 N MAIN ST
MCKENZIE, TN 38201
* $ 106,031,000 15 $ 825,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,157,838,000 12 $ 2,146,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 12 $ 1,231,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 32,882,574,000 11 $ 1,083,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 11 $ 1,071,000
First State Bank
221 HARRISON ST
UNION CITY, TN 38261
* $ 1,347,054,000 11 $ 1,256,000
Commercial Bank & Trust Company
P.O. BOX 1000
PARIS, TN 38242
* $ 575,821,000 8 $ 472,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 8 $ 568,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 7 $ 631,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 6 $ 733,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 6 $ 698,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 261,775,591,000 6 $ 576,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 6 $ 604,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 409,625,000 6 $ 105,000
Trustmark National Bank
PO BOX 291
JACKSON, MS 39205
* $ 9,657,261,000 5 $ 424,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 14,649,039,000 5 $ 276,000
American General Fin.Serv.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 5 $ 24,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 4 $ 437,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,669,297,000 4 $ 486,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 32,584,979,000 4 $ 356,000
First State Finance
2705 OLD FORT PARKWAY SUITE P
MURFREESBORO, TN 37128
* $ 103,640,000 4 $ 280,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 115,142,306,000 4 $ 35,000
First Citizens National Bank

NEWARK, OH 43055
* $ 927,162,000 4 $ 404,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 69,459,606,000 3 $ 432,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 279,777,049,000 3 $ 258,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 556,180,000 3 $ 159,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 3 $ 292,000
Community South Bank
51 WEST MAIN STREET
PARSONS, TN 38363
* $ 715,302,000 3 $ 71,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 3 $ 385,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 312,000
First South Financial Federal Credit Union
6471 STAGE RD, STE 101
BARTLETT, TN 38134
* $ 331,007,000 3 $ 181,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 2 $ 142,000
Greentree Mortgage Company, L.P.
2 EASTWICK DRIVE, SUITE 300
GIBBSBORO, NJ 08026
* $ 31,000,000 2 $ 156,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 2 $ 251,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 2 $ 161,000
Shore Mortgage
770 S. ADAMS ROAD #300
BIRMINGHAM, MI 48009
* $ 10,000,000 2 $ 180,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 82,416,721,000 2 $ 115,000
Atlantic Coast Bank
505 HAINES AVENUE
WAYCROSS, GA 31501
* $ 993,012,000 2 $ 159,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 36,351,625,000 2 $ 162,000
Cb&S Bank
200 JACKSON AVE. S.
RUSSELLVILLE, AL 35653
* $ 1,339,327,000 2 $ 147,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 127,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 147,483,646,000 2 $ 133,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 2 $ 87,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 30,786,926,000 2 $ 179,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,858,594,000 2 $ 128,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 10,273,647,000 1 $ 202,000
HSBC Bank USA, NA
1 HSBC CENTER - 24TH FLOOR
BUFFALO, NY 14203
* $ 181,604,079,000 1 $ 62,000
Merrill Lynch Credit Corp
4500 PARK GRANADA CA7-910-01-24
CALABASAS, CA 91302
* $ 2,223,299,000 1 $ 143,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 221,000
Community Bank
19
LEXINGTON, TN 38351
* $ 76,402,000 1 $ 149,000
Banktennessee
1125 WEST POPLAR AVENUE
COLLIERVILLE, TN 38017
* $ 290,935,000 1 $ 40,000
Dover Mortgage Company
711 E. MOREHEAD ST
CHARLOTTE, NC 28202
* $ 1,817,511,000 1 $ 52,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 1,140,194,000 1 $ 62,000
The Bank of Jackson
PO BOX 11327
JACKSON, TN 38308
* $ 126,259,000 1 $ 400,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 3,710,374,000 1 $ 240,000
First Federal Bank
611 EAST COLLEGE ST
DICKSON, TN 37055
* $ 484,517,000 1 $ 10,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 30,307,736,000 1 $ 99,000
Insouth Bank
111 SOUTH WASHINGTON AVE
BROWNSVILLE, TN 38012
* $ 474,101,000 1 $ 10,000
American Bank
9001 EDMONSTON ROAD, SUITE 100
GREENBELT, MD 20770
* $ 529,592,000 1 $ 56,000
Worthington Federal Bank
3301 MEMORIAL PARKWAY SW
HUNTSVILLE, AL 35801
* $ 119,667,000 1 $ 36,000
Admirals Bank Former Domestic
815 RESERVOIR AVE
CRANSTON, RI 02910
* $ 248,819,000 1 $ 17,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 7,047,356,000 1 $ 82,000
Magna Bank
6525 N QUAIL HOLLOW RD SUITE 513
MEMPHIS, TN 38120
* $ 520,048,000 1 $ 129,000
Ut Federal Credit Union
2100 WHITE AVENUE
KNOXVILLE, TN 37919
* $ 160,607,000 1 $ 11,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,677,931,000 1 $ 32,000
Memphis City Employees Credit Union
2678 MT. MORIAH TERRACE COVE
MEMPHIS, TN 38115
* $ 202,086,000 1 $ 42,000
Leaders Credit Union
35 STONEBRIDGE BLVD.
JACKSON, TN 38305
* $ 111,411,000 1 $ 97,000
Onewest Bank, FSB
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 36,000,000,000 1 $ 90,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 1 $ 187,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 1 $ 102,000
Assurity Financial Services
6025 SOUTH QUEBEC STREET, #260
ENGLEWOOD, CO 80111
* $ 10,000,000 1 $ 225,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 1 $ 78,000
Gms Funding, LLC
824 MEETING STREET
WEST COLUMBIA, SC 29169
* $ 417,745,000 1 $ 55,000
Avelo Mortgage, L.L.C
250 EAST JOHN CARPENTER FREEWAY
IRVING, TX 75062
* $ 10,000,000 1 $ 73,000
Main Street Home Loans LLC
4010 OLD MILTON PARKWAY
ALPHARETTA, GA 30005
* $ 11,000,000 1 $ 200,000
Ameritrust Mortgage Inc.
11016 RUSHMORE DRIVE, SUITE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 395,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 160,000
Tmg Real Estate & Financial
310 W. LIBERTY ST. STE 100
LOUISVILLE, KY 40202
* $ 292,000 1 $ 330,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 214,000
Hamilton Mortgage
1 INDEPENDENCE PLAZA, SUITE 416
BIRMINGHAM, AL 35209
* $ 10,000,000 1 $ 158,000
Cardinal Financial Company
444 JACKSONVILLE ROAD
WARMINSTER, PA 18974
* $ 10,000,000 1 $ 75,000
Premium Capital Funding LLC
125 JERICHO TPKE
JERICHO, NY 11753
* $ 10,000,000 1 $ 90,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 64,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 1 $ 158,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 84,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 230,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 1 $ 314,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 101,000
Myers Park Mortgage
141 PROVIDENCE RD
CHARLOTTE, NC 28207
* $ 10,000,000 1 $ 43,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 76,000
Security Atlantic Wholesale
499 THORNALL ST, SUITE 220
EDISON, NJ 08837
* $ 10,000,000 1 $ 235,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 36,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 76,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 91,000

The tables below break down 2009 mortgage applications in Carroll County, TN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Carroll County, TN 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
Refinancing 621 $62,956,000 $101,000 $977,000 $58,000 $314,000
Home Purchase 264 $24,934,000 $94,000 $1,780,000 $53,000 $815,000
Home Improvement 96 $2,815,000 $29,000 $167,000 $45,000 $264,000

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 783 $72,312,000 $92,000 $417,000 $57,000 $815,000
Not applicable 69 $6,737,000 $97,000 $1,780,000 $32,000 $119,000
Not Provided 62 $7,317,000 $118,000 $977,000 $61,000 $312,000
Black or African American 54 $3,330,000 $61,000 $214,000 $48,000 $300,000
American Indian or Alaskan Native 7 $554,000 $79,000 $180,000 $75,000 $170,000
Hispanic 5 $365,000 $73,000 $172,000 $49,000 $90,000
Native Hawaiian or Other Pacific Islander 1 $90,000 $90,000 $90,000 $27,000 $27,000
Asian 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) 687 $62,494,000 $90,000 $1,780,000 $61,000 $815,000
FHA-insured (Federal Housing Administration) 219 $21,760,000 $99,000 $275,000 $45,000 $136,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 60 $4,869,000 $81,000 $148,000 $34,000 $70,000
VA-guaranteed (Veterans Administration) 15 $1,582,000 $105,000 $245,000 $52,000 $184,000

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
Loan Originated 505 $43,481,000 $86,000 $1,780,000 $62,000 $815,000
Application Denied By Financial Institution 185 $17,675,000 $95,000 $417,000 $48,000 $253,000
Loan Purchased By The Institution 139 $13,068,000 $94,000 $275,000 $42,000 $136,000
Application Withdrawn By Applicant 90 $9,959,000 $110,000 $395,000 $60,000 $276,000
Application Approved But Not Accepted 40 $3,759,000 $93,000 $245,000 $46,000 $107,000
File Closed For Incompleteness 22 $2,763,000 $125,000 $417,000 $58,000 $178,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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 32 $2,583,000 $80,000 $330,000 $41,000 $184,000
Collateral 28 $4,606,000 $164,000 $417,000 $82,000 $253,000
Debt-To-Income Ratio 21 $2,076,000 $98,000 $335,000 $37,000 $76,000
Credit Application Incomplete 6 $533,000 $88,000 $160,000 $42,000 $64,000
Other 3 $227,000 $75,000 $113,000 $34,000 $47,000
Insufficient Cash (Downpayment, Closing Cost) 2 $154,000 $77,000 $109,000 $40,000 $57,000
Unverifiable Information 1 $104,000 $104,000 $104,000 $109,000 $109,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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