In 2013, lenders reported 987 mortgage applications in Carroll County, TN totaling $154.2 million, up 8% from 2012. The average application was for $156,000, and applicants reported an average income of $52,000. 53% of applications resulted in an originated loan and 21% were denied. The most active lender was Regions Bank, with 126 applications, followed by Firstbank and Centennial Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 987 |
| Total Mortgage Loan Application Amount | $154,203,000 |
| Average Mortgage Loan Application Amount | $156,000 |
| Highest Mortgage Loan Application Amount | $52,027,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $500,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 126 | $ 8,909,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,230,791,000 | 116 | $ 7,070,000 |
| Centennial Bank P.O. BOX 308 TREZEVANT, TN 38258 |
* | $ 278,207,000 | 90 | $ 5,981,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 71 | $ 4,263,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 59 | $ 5,007,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 53 | $ 5,349,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 43 | $ 4,994,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 23 | $ 2,222,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 20 | $ 924,000 |
| Apex Bank 102 E MAIN ST CAMDEN, TN 38320 |
* | $ 250,414,000 | 18 | $ 1,022,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 18 | $ 2,090,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 18 | $ 2,760,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 16 | $ 1,779,000 |
| First State Bank 221 HARRISON ST UNION CITY, TN 38261 |
* | $ 1,739,370,000 | 15 | $ 906,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 15 | $ 1,460,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 14 | $ 1,256,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 13 | $ 1,859,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 12 | $ 1,141,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,390,496,000 | 11 | $ 1,369,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 10 | $ 1,259,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 10 | $ 1,278,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 10 | $ 1,443,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 9 | $ 997,000 |
| Leaders Credit Union 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 171,810,000 | 8 | $ 641,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 843,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 8 | $ 947,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 766,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 561,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 6 | $ 720,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 509,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 629,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 5 | $ 335,000 |
| Johnsonville Tva Employees Cre 209 HWY 641 NORTH CAMDEN, TN 38320 |
* | $ 79,356,000 | 5 | $ 187,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 546,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 487,000 |
| McKenzie Banking Company 676 N MAIN ST MCKENZIE, TN 38201 |
* | $ 118,407,000 | 4 | $ 144,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 311,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 4 | $ 309,000 |
| First Citizens National Bank NEWARK, OH 43055 |
* | $ 1,177,985,000 | 3 | $ 380,000 |
| Community Bank 19 LEXINGTON, TN 38351 |
* | $ 105,789,000 | 3 | $ 124,000 |
| Southwest Bank 4100 INTERNATIONAL PLAZA, STE 900 FORT WORTH, TX 76109 |
* | $ 1,137,323,000 | 3 | $ 105,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 3 | $ 401,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 3 | $ 252,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 3 | $ 320,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 384,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 3 | $ 255,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 2 | $ 314,000 |
| Platinum Financial Funding, LLC 1913 GUNBARREL ROAD CHATTANOOGA, TN 37421 |
* | $ 1,071,000 | 2 | $ 154,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 2 | $ 258,000 |
| Heritage Bank USA, Inc. 4155 LAFAYETTE RD HOPKINSVILLE, KY 42241 |
* | $ 964,517,000 | 2 | $ 142,000 |
| Commercial Bank & Trust Company P.O. BOX 1000 PARIS, TN 38242 |
* | $ 683,070,000 | 2 | $ 70,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 197,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 2 | $ 110,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 362,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 208,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 337,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 194,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 2 | $ 69,112,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 255,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 2 | $ 96,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 718,364,000 | 2 | $ 189,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 2 | $ 82,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 2 | $ 294,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 46,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 60,000 |
| The Bank of Jackson PO BOX 11327 JACKSON, TN 38308 |
* | $ 144,628,000 | 1 | $ 245,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 1 | $ 58,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 13,058,734,000 | 1 | $ 25,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 1 | $ 115,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 25,284,687,000 | 1 | $ 40,000 |
| The Peoples Bank 34910 HWY 104 S SARDIS, TN 38371 |
* | $ 73,036,000 | 1 | $ 133,000 |
| Air Force Federal Credit Union 1560 CABLE RANCH ROAD STE 200 SAN ANTONIO, TX 78245 |
* | $ 355,141,000 | 1 | $ 70,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,668,374,000 | 1 | $ 35,000 |
| Decatur County Bank 56 N. PLEASANT ST. DECATURVILLE, TN 38329 |
* | $ 88,748,000 | 1 | $ 16,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 194,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 1 | $ 68,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 1 | $ 114,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 2,518,046,000 | 1 | $ 240,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 1 | $ 84,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 180,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 93,000 |
| First State Finance 2705 OLD FORT PARKWAY SUITE P MURFREESBORO, TN 37128 |
* | $ 103,640,000 | 1 | $ 43,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 170,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 303,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 95,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 303,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 36,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 104,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,460,729,000 | 1 | $ 75,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 768,613,000 | 1 | $ 417,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 72,000 |
The tables below break down 2013 mortgage applications in Carroll County, TN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 503 | $119,469,000 | $237,000 | $52,027,000 | $56,000 | $500,000 |
| Home Purchase | 393 | $32,159,000 | $81,000 | $620,000 | $47,000 | $274,000 |
| Home Improvement | 91 | $2,575,000 | $28,000 | $165,000 | $55,000 | $240,000 |
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 | 797 | $69,602,000 | $87,000 | $620,000 | $57,000 | $500,000 |
| Not applicable | 68 | $75,243,000 | $1,106,000 | $52,027,000 | $11,000 | $132,000 |
| Not Provided | 56 | $4,864,000 | $86,000 | $299,000 | $42,000 | $210,000 |
| Black or African American | 47 | $2,964,000 | $63,000 | $245,000 | $39,000 | $117,000 |
| Hispanic | 8 | $526,000 | $65,000 | $142,000 | $54,000 | $115,000 |
| American Indian or Alaskan Native | 7 | $586,000 | $83,000 | $157,000 | $69,000 | $149,000 |
| Asian | 4 | $418,000 | $104,000 | $214,000 | $28,000 | $39,000 |
| 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) | 752 | $61,084,000 | $81,000 | $620,000 | $58,000 | $500,000 |
| FHA-insured (Federal Housing Administration) | 102 | $79,706,000 | $781,000 | $52,027,000 | $33,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 76 | $6,402,000 | $84,000 | $142,000 | $31,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 57 | $7,011,000 | $123,000 | $417,000 | $38,000 | $209,000 |
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 | 521 | $42,590,000 | $81,000 | $620,000 | $59,000 | $500,000 |
| Application Denied By Financial Institution | 209 | $17,297,000 | $82,000 | $417,000 | $48,000 | $274,000 |
| Loan Purchased By The Institution | 113 | $80,429,000 | $711,000 | $52,027,000 | $27,000 | $282,000 |
| Application Approved But Not Accepted | 74 | $5,482,000 | $74,000 | $232,000 | $51,000 | $264,000 |
| Application Withdrawn By Applicant | 52 | $6,215,000 | $119,000 | $417,000 | $56,000 | $209,000 |
| File Closed For Incompleteness | 18 | $2,190,000 | $121,000 | $417,000 | $58,000 | $140,000 |
| 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 | 35 | $2,580,000 | $73,000 | $238,000 | $46,000 | $179,000 |
| Collateral | 18 | $2,294,000 | $127,000 | $279,000 | $79,000 | $274,000 |
| Debt-To-Income Ratio | 11 | $1,387,000 | $126,000 | $245,000 | $55,000 | $95,000 |
| Credit Application Incomplete | 8 | $810,000 | $101,000 | $197,000 | $59,000 | $103,000 |
| Other | 5 | $465,000 | $93,000 | $135,000 | $54,000 | $99,000 |
| Unverifiable Information | 4 | $255,000 | $63,000 | $117,000 | $64,000 | $115,000 |
| Employment History | 2 | $77,000 | $38,000 | $55,000 | $19,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $180,000 | $90,000 | $134,000 | $30,000 | $61,000 |
| Mortgage Insurance Denied | 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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