Carroll County TN
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Unlock detailed Carroll County TN mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
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Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Tennessee.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 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 | 637 |
| Total Mortgage Loan Application Amount | $52,232,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $604,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $650,000 |
* 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 11 CHANNING WAY NASHVILLE, TN 38305 |
* | $ 2,256,102,000 | 101 | $ 6,744,000 |
| REGIONS BANK 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 69 | $ 3,785,000 |
| VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL KNOXVILLE, TN 37804 |
* | $ 31,000,000 | 48 | $ 3,087,000 |
| CENTENNIAL BANK P.O. BOX 308 TREZEVANT, TN 38258 |
* | $ 295,749,000 | 44 | $ 2,979,000 |
| FIRST COMMUNITY MORTGAGE, INC. 275 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ 10,000,000 | 40 | $ 5,402,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 25 | $ 2,233,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,373,600,000,000 | 18 | $ 1,853,000 |
| APEX BANK 180 HWY 641 N CAMDEN, TN 38320 |
* | $ 305,013,000 | 18 | $ 1,142,000 |
| FARM CREDIT MID-AMERICA, ACA 1601 UPS DRIVE LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 16 | $ 1,704,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ 10,000,000 | 15 | $ 1,359,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ 8,994,122,000 | 11 | $ 968,000 |
| PENNYMAC LOAN SERVICES LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 9 | $ 802,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ 10,000,000 | 9 | $ 628,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. DOVER, DE 20759 |
* | $ 4,088,336,000 | 8 | $ 980,000 |
| CADENCE BANK P O BOX 789 TUPELO, MS 38802 |
* | $ 13,032,498,000 | 8 | $ 919,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ 138,031,000 | 7 | $ 760,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 509,000 |
| COMMERCIAL BANK & TRUST CO. P.O. BOX 1000 PARIS, TN 38242 |
* | $ 678,054,000 | 7 | $ 379,000 |
| FIRST STATE BANK 221 HARRISON ST UNION CITY, TN 38261 |
* | $ 1,914,298,000 | 7 | $ 590,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 1,433,716,000,000 | 6 | $ 607,000 |
| CRESCENT MORTGAGE COMPANY 6600 PEACHTREE DUNWOODY ROAD SUITE 650 WILMINGTON, DE 30328 |
* | $ 826,484,000 | 6 | $ 642,000 |
| MCKENZIE BANKING COMPANY 676 N MAIN ST MCKENZIE, TN 38201 |
* | $ 119,726,000 | 5 | $ 197,000 |
| GUARANTY TRUST COMPANY 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 5 | $ 353,000 |
| FRANKLIN AMERICAN MORTGAGE COMPANY 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 749,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 5 | $ 924,000 |
| JOHNSONVILLE TVA EMPLOYEES CREDIT UNION 209 HWY 641 NORTH CAMDEN, TN 38320 |
* | $ 80,986,000 | 5 | $ 215,000 |
| LEADERS CREDIT UNION 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 213,352,000 | 4 | $ 208,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 4 | $ 335,000 |
| AMERICAN SOUTHWEST MORTGAGE CORP. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 278,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ 10,000,000 | 4 | $ 628,000 |
| SOUTHWEST STAGE FUNDING, LLC 3345 S. VAL VISTA DRIVE, SUITE 300 TEMPE, AZ 85297 |
* | $ 5,889,539,000 | 4 | $ 297,000 |
| CREDIT HUMAN FEDERAL CREDIT UNION 6061 IH 10 WEST SAN ANTONIO, TX 78201 |
* | $ 2,763,439,000 | 3 | $ 241,000 |
| HOME POINT MORTGAGE ACCEPTANCE CORPORATION 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 3 | $ 242,000 |
| RELIANCE FIRST CAPITAL, LLC 201 OLD COUNTRY ROAD SUITE 205 WILMINGTON, DE 11747 |
* | $ 100,000,000 | 3 | $ 594,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,346,747,000,000 | 3 | $ 215,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 WILMINGTON, DE 15222 |
* | $ 309,999,678,000 | 3 | $ 225,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 CHARLOTTE, NC 27604 |
* | $ 179,126,294,000 | 3 | $ 240,000 |
| SUNTRUST MORTGAGE, INC. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 3 | $ 391,000 |
| TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 2 | $ 230,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 170,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 12,648,357,000 | 2 | $ 167,000 |
| DISCOVER BANK 12 READS WAY GREENWOOD, DE 19720 |
* | $ 62,915,596,000 | 2 | $ 52,000 |
| NATIONS LENDING CORPORATION 4 SUMMIT PARK DR STE 200 COLUMBUS, OH 44131 |
* | $ 4,410,000 | 2 | $ 289,000 |
| VILLAGE CAPITAL & INVESTMENT LLC 2863 ST. ROSE PARKWAY DOVER, DE 89052 |
* | $ 11,000,000 | 2 | $ 134,000 |
| SUN WEST MORTGAGE COMPANY, INC. 18000 STUDEBAKER ROAD, SUITE 200 SACRAMENTO, CA 90703 |
* | $ 10,000,000 | 2 | $ 202,000 |
| CITIZENS STATE BANK 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 2 | $ 10,000 |
| ONE REVERSE MORTGAGE, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 212,000 |
| CLAYTON BANK AND TRUST 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 2 | $ 132,000 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 2 | $ 284,000 |
| TRIUMPH BANK 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 436,956,000 | 2 | $ 175,000 |
| INSOUTH BANK 111 SOUTH WASHINGTON AVE BROWNSVILLE, TN 38012 |
* | $ 301,440,000 | 2 | $ 101,000 |
| CU COMMUNITY, LLC 2077 TOWN CENTER BOULEVARD OAK RIDGE, TN 37922 |
* | $ 981,094,000 | 1 | $ 95,000 |
| PROFICIO BANK 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 49,000 |
| HERITAGE BANK USA, INC. 4155 LAFAYETTE RD HOPKINSVILLE, KY 42241 |
* | $ 967,372,000 | 1 | $ 72,000 |
| BANK OF TENNESSEE 301 E. CENTER ST. KINGSPORT, TN 37660 |
* | $ 908,779,000 | 1 | $ 321,000 |
| FIRST SOUTH BANK 1862 HWY 45 BYPASS JACKSON, TN 38305 |
* | $ 439,235,000 | 1 | $ 55,000 |
| FRANKLIN SYNERGY BANK 722 COLUMBIA AVENUE FRANKLIN, TN 37064 |
* | $ 795,998,000 | 1 | $ 210,000 |
| BANK OF EDMONSON COUNTY PO BOX 99 BROWNSVILLE, KY 42210 |
* | $ 197,424,000 | 1 | $ 138,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 76,000 |
| GO MORTGAGE, LLC 15430 W CAPITOL DRIVE WILMINGTON, DE 53005 |
* | $ 10,000,000 | 1 | $ 52,000 |
| CB&S BANK, INC. 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,481,480,000 | 1 | $ 27,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ 880,000,000 | 1 | $ 75,000 |
| HOMESTAR FINANCIAL CORPORATION 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 1 | $ 66,000 |
| PACIFIC UNION FINANCIAL, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 55,000 |
| CERTUSBANK, N.A. 2 WEST WASHINGTON STREET 5TH FLOOR GREENVILLE, SC 29601 |
* | $ 1,656,164,000 | 1 | $ 73,000 |
| ADMIRALS BANK 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 1 | $ 18,000 |
| COMMUNITY BANK 19 LEXINGTON, TN 38351 |
* | $ 103,828,000 | 1 | $ 38,000 |
| SOUTHWEST BANK 4100 INTERNATIONAL PLAZA, STE 900 FORT WORTH, TX 76109 |
* | $ 1,295,797,000 | 1 | $ 66,000 |
| PURDUE 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 793,686,000 | 1 | $ 78,000 |
| U. T. FEDERAL CREDIT UNION 2100 WHITE AVENUE KNOXVILLE, TN 37916 |
* | $ 213,867,000 | 1 | $ 84,000 |
| SUNCOAST CREDIT UNION 6801 E HILLSBOROUGH AVE TAMPA, FL 33610 |
* | $ 5,505,435,000 | 1 | $ 30,000 |
| REVERSE MORTGAGE SOLUTIONS INC 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 38,000 |
| MORTGAGE INVESTORS GROUP, INC. 8320 E. WALKER SPRINGS LANE NASHVILLE, TN 37923 |
* | $ 10,000,000 | 1 | $ 49,000 |
| RANLIFE, INC. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 56,000 |
| PROSPECT MORTGAGE, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 50,000 |
| CAPITAL ONE, NATIONAL ASSOCIATION 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 18,000 |
| CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 64,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ 10,000,000 | 1 | $ 105,000 |
| ROUNDPOINT MORTGAGE COMPANY 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 236,000 |
| ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ 1,000,000,000 | 1 | $ 46,000 |
| PLATINUM FINANCIAL FUNDING, LLC 1913 GUNBARREL ROAD CHATTANOOGA, TN 37421 |
* | $ 1,071,000 | 1 | $ 37,000 |
| F&M BANK 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 820,042,000 | 1 | $ 200,000 |
| THE BANK OF JACKSON PO BOX 11327 JACKSON, TN 38308 |
* | $ 144,895,000 | 1 | $ 53,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ 31,000,000 | 1 | $ 58,000 |
| CLICK N' CLOSE, INC. 15301 SPECTRUM DRIVE, SUITE 405 ROCKY RIVER, OH 75001 |
* | $ 11,000,000 | 1 | $ 108,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ 10,000,000 | 1 | $ 113,000 |
| EVOLVE BANK & TRUST 301 SHOPPING WAY BLVD WEST MEMPHIS, AR 72301 |
* | $ 277,561,000 | 1 | $ 135,000 |
| ORIGIN BANK 2211 NORTH 7TH CHOUDRANT, LA 71291 |
* | $ 3,199,260,000 | 1 | $ 61,000 |
| CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 61,000 |
| DISCOVER HOME LOANS, INC 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 207,000 |
| AMERICAN ADVISORS GROUP 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 77,000 |
| THIRD FEDERAL SAVINGS AND LOAN ASSOCIATION OF CLEVELAND 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 11,345,180,000 | 1 | $ 67,000 |
| STATE FARM BANK, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 135,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2014, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Carroll County TN in 2014
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 | 309 | $26,447,000 | $85,000 | $560,000 | $49,000 | $650,000 |
| Refinancing | 249 | $23,349,000 | $93,000 | $604,000 | $58,000 | $373,000 |
| Home Improvement | 79 | $2,436,000 | $30,000 | $284,000 | $56,000 | $280,000 |
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 | 469 | $39,561,000 | $84,000 | $604,000 | $61,000 | $650,000 |
| Black or African American | 65 | $4,065,000 | $62,000 | $252,000 | $43,000 | $153,000 |
| Not applicable | 51 | $4,485,000 | $87,000 | $321,000 | $2,000 | $57,000 |
| Not Provided | 40 | $3,600,000 | $90,000 | $264,000 | $53,000 | $176,000 |
| Hispanic | 5 | $237,000 | $47,000 | $66,000 | $10,000 | $26,000 |
| American Indian or Alaskan Native | 5 | $174,000 | $34,000 | $85,000 | $49,000 | $77,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $10,000 | $10,000 | $10,000 | $35,000 | $35,000 |
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) | 450 | $35,033,000 | $77,000 | $604,000 | $63,000 | $650,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 89 | $7,765,000 | $87,000 | $168,000 | $24,000 | $86,000 |
| FHA-insured (Federal Housing Administration) | 58 | $4,841,000 | $83,000 | $210,000 | $32,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 40 | $4,593,000 | $114,000 | $306,000 | $39,000 | $106,000 |
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 | 339 | $26,579,000 | $78,000 | $604,000 | $65,000 | $650,000 |
| Application Denied By Financial Institution | 152 | $11,918,000 | $78,000 | $417,000 | $43,000 | $180,000 |
| Loan Purchased By The Institution | 61 | $5,659,000 | $92,000 | $321,000 | $11,000 | $105,000 |
| Application Approved But Not Accepted | 39 | $2,778,000 | $71,000 | $224,000 | $52,000 | $169,000 |
| Application Withdrawn By Applicant | 32 | $3,754,000 | $117,000 | $412,000 | $54,000 | $273,000 |
| File Closed For Incompleteness | 14 | $1,544,000 | $110,000 | $236,000 | $53,000 | $138,000 |
| 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 | 23 | $1,252,000 | $54,000 | $220,000 | $42,000 | $105,000 |
| Collateral | 9 | $923,000 | $102,000 | $264,000 | $55,000 | $120,000 |
| Credit Application Incomplete | 6 | $476,000 | $79,000 | $168,000 | $67,000 | $150,000 |
| Debt-To-Income Ratio | 6 | $539,000 | $89,000 | $207,000 | $90,000 | $180,000 |
| Other | 5 | $256,000 | $51,000 | $81,000 | $44,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $142,000 | $47,000 | $71,000 | $29,000 | $43,000 |
| Mortgage Insurance Denied | 1 | $95,000 | $95,000 | $95,000 | $32,000 | $32,000 |
| Unverifiable Information | 1 | $94,000 | $94,000 | $94,000 | $29,000 | $29,000 |
| Employment History | 1 | $93,000 | $93,000 | $93,000 | $51,000 | $51,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.