Cumberland County TN
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Unlock detailed Cumberland 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 | 4,177 |
| Total Mortgage Loan Application Amount | $361,694,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $1,325,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $1,200,000 |
* 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 |
|---|---|---|---|---|
| MORTGAGE INVESTORS GROUP 8320 E. WALKER SPRINGS LANE KNOXVILLE, TN 37923 |
* | $ 10,000,000 | 409 | $ 49,516,000 |
| COUNTRYWIDE HOME LOANS 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 215 | $ 22,473,000 |
| AMERIQUEST MORTGAGE COMPANY 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 210 | $ 19,602,000 |
| AMSOUTH BANK P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 45,629,203,000 | 203 | $ 16,518,000 |
| CHASE MANHATTAN MORTGAGE CORP. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 198 | $ 21,268,000 |
| VANDERBILT MORTGAGE 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 197 | $ 9,550,000 |
| CITIFINANCIAL INC 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 150 | $ 6,974,000 |
| UNION PLANTERS BANK P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 123 | $ 8,652,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ 10,000,000 | 100 | $ 4,374,000 |
| GMAC MORTGAGE LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 95 | $ 7,437,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ 10,000,000 | 92 | $ 7,326,000 |
| HFC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 89 | $ 7,593,000 |
| BENEFICIAL 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 89 | $ 6,044,000 |
| FARM CREDIT MID-AMERICA, ACA 1601 UPS DRIVE LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 83 | $ 8,546,000 |
| US BANK NORTH DAKOTA 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 79 | $ 4,061,000 |
| WASHINGTON MUTUAL BANK 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 67 | $ 8,079,000 |
| SUNTRUST MORTGAGE, INC 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 64 | $ 6,494,000 |
| WELLS FARGO BANK, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 63 | $ 5,891,000 |
| CIMARRON MORTGAGE COMPANY 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 61 | $ 6,617,000 |
| JPMORGAN CHASE BANK, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 56 | $ 2,430,000 |
| HOMEOWNERS LOAN CORPORATION 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 50 | $ 3,503,000 |
| ACCREDITED HOME LENDERS, INC 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 50 | $ 4,390,000 |
| ORIGEN FINANCIAL SERVICES LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 47 | $ 1,966,000 |
| NATIONAL CITY BANK OF INDIANA 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 43 | $ 4,030,000 |
| CITIMORTGAGE, INC. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 42 | $ 5,027,000 |
| CHASE MANHATTAN BANK USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 38 | $ 2,182,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ 31,000,000 | 37 | $ 3,473,000 |
| RESIDENTIAL FUNDING CORP. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 35 | $ 2,752,000 |
| ARGENT MORTGAGE COMPANY 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 35 | $ 3,306,000 |
| BANK OF AMERICA, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 35 | $ 2,636,000 |
| DELTA FUNDING CORPORATION 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 34 | $ 3,551,000 |
| AURORA BANK FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 34 | $ 2,632,000 |
| HOMECOMINGS FINANCIAL LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 30 | $ 1,665,000 |
| AMERICAN BUSINESS FINANCIAL 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 30 | $ 2,231,000 |
| NEW CENTURY MORTGAGE CORPORATI 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 30 | $ 3,054,000 |
| NOVASTAR HOME MORTGAGE, INC. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 30 | $ 2,904,000 |
| US BANK, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 28 | $ 2,293,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 25 | $ 2,056,000 |
| FLAGSTAR BANK 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 25 | $ 2,385,000 |
| ABN AMRO MTG GROUP INC 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 23 | $ 2,774,000 |
| OPTION ONE MORTGAGE CORP 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 23 | $ 2,194,000 |
| AAMES FUNDING CORPORATION 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 22 | $ 1,274,000 |
| FIRST HORIZON HOME LOAN CORP 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 21 | $ 2,124,000 |
| HOMEONE CREDIT CORP. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 21 | $ 851,000 |
| THE CIT GROUP/CONSUMER FINANCE 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 21 | $ 1,505,000 |
| WELLS FARGO FIN'L TENNESSEE 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 21 | $ 1,772,000 |
| WELLS FARGO FUNDING, INC 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 21 | $ 1,783,000 |
| WASHINGTION MUTUAL FINANCE COR 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 21 | $ 886,000 |
| DECISION ONE MORTGAGE 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 19 | $ 1,730,000 |
| CITIFINANCIAL MTG CO, INC 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 19 | $ 1,788,000 |
| GMFS, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 18 | $ 1,230,000 |
| COUNTRYWIDE BANK, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 17 | $ 2,254,000 |
| E-LOAN, INC. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 16 | $ 1,714,000 |
| GREEN TREE SERVICING LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 15 | $ 481,000 |
| FINANCE AMERICA, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 15 | $ 1,617,000 |
| INDYMAC BANK, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 14 | $ 1,916,000 |
| SOUTHSTAR FUNDING, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 14 | $ 1,435,000 |
| NOVASTAR MORTGAGE 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 14 | $ 1,395,000 |
| THE MORTGAGE OUTLET, INC. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 13 | $ 1,042,000 |
| FIRST VOLUNTEER BANK 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 464,316,000 | 13 | $ 834,000 |
| AMERICAS MONEYLINE 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 13 | $ 1,015,000 |
| H&R BLOCK MORTGAGE CORPORATION 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 11 | $ 1,013,000 |
| KEYBANK NATIONAL ASSOCIATION 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 10 | $ 192,000 |
| LONG BEACH MORTGAGE CO. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 9 | $ 917,000 |
| AEGIS LENDING CORPORATION 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 9 | $ 732,000 |
| AIG FEDERAL SAVINGS BANK 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,223,098,000 | 9 | $ 812,000 |
| ONE SOURCE MORTGAGE, L.L.C. 1720 S EDMONDS LANE, STE 8 LEWISVILLE, TX 75067 |
* | $ 10,000,000 | 9 | $ 819,000 |
| PRINCIPAL RESIDENTIAL MORTGAGE ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 8 | $ 693,000 |
| SAXON MORTGAGE 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 8 | $ 739,000 |
| AMC MORTGAGE SERVICES, INC. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 8 | $ 896,000 |
| FIRST TENNESSEE BANK NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 24,312,912,000 | 8 | $ 922,000 |
| FIRST MAGNUS FINANCIAL CORP 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 8 | $ 725,000 |
| FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,682,854,000 | 7 | $ 599,000 |
| IRWIN MORTGAGE CORPORATION 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,655,913,000 | 7 | $ 554,000 |
| EQUITY ONE 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 7 | $ 386,000 |
| SOUTH TRUST BANK 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 51,884,768,000 | 7 | $ 341,000 |
| SUNTRUST BANKS, INC. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 124,453,567,000 | 6 | $ 196,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 13,721,232,000 | 6 | $ 301,000 |
| OAK STREET MORTGAGE 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 6 | $ 602,000 |
| MORTGAGE LENDERS NETWORK USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 6 | $ 572,000 |
| MORTGAGE IT INC 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 6 | $ 451,000 |
| WMC MORTGAGE CORP. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 6 | $ 352,000 |
| CITICORP TRUST BANK, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 6 | $ 508,000 |
| CORINTHIAN MORTGAGE CORP 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 6 | $ 296,000 |
| MIDFIRST BANK 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,078,943,000 | 6 | $ 332,000 |
| FIELDSTONE MORTGAGE COMPANY 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 6 | $ 432,000 |
| FRANKLIN MORTGAGE FUNDING 25800 NORTHWESTERN HWY SUITE 875 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 6 | $ 841,000 |
| GMAC BANK 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 5 | $ 581,000 |
| MERRILL LYNCH CREDIT CORP. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 5 | $ 758,000 |
| CUNA MUTUAL MORTGAGE CORPORATI 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 5 | $ 310,000 |
| EQUIFIRST CORPORATION 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 45,247,734,000 | 5 | $ 455,000 |
| SOVEREIGN BANK 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 43,610,071,000 | 5 | $ 230,000 |
| SEBRING CAPITAL PARTNERS, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 4 | $ 404,000 |
| WASHINGTON MUTUAL BANK 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 4 | $ 274,000 |
| NBANK, N.A. 1731 NORTH ELM STREET COMMERCE, GA 30529 |
* | $ 267,252,000 | 4 | $ 319,000 |
| RBMG, INC 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 4 | $ 345,000 |
| ENCORE CREDIT CORP 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 4 | $ 467,000 |
| CITIZENS BANK 407 MAIN STREET NORTH CARTHAGE, TN 37030 |
* | $ 435,590,000 | 4 | $ 237,000 |
| AMERITRUST MORTGAGE COMPANY LL 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 313,000 |
| BRANCH BANKING AND TRUST CO 223 W NASH STREET WILSON, NC 27893 |
* | $ 67,584,376,000 | 4 | $ 231,000 |
| FREMONT INVESTMENT & LOAN 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 9,333,614,000 | 4 | $ 373,000 |
| FRANKLIN AMERICAN MORTGAGE CO 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 227,000 |
| GREENPOINT MORTGAGE FUNDING 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 3 | $ 689,000 |
| FIRST NATIONAL BANK OF ARIZONA 17600 NORTH PERIMETER DRIVE SCOTTSDALE, AZ 85255 |
* | $ 1,241,100,000 | 3 | $ 188,000 |
| FIRST NLC FINANCIAL SERVICES, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 211,000 |
| FIRST RESIDENTIAL MORTGAGE 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 355,000 |
| MERCANTILE NATIONAL BANK OF IN 5243 HOHMAN AVENUE HAMMOND, IN 46320 |
* | $ 789,263,000 | 3 | $ 146,000 |
| IFREEDOM DIRECT CORPORATION 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 200,000 |
| IMPAC FUNDING CORP 19500 JAMBOREE ROAD IRVINE, CA 92612 |
* | $ 10,000,000 | 3 | $ 282,000 |
| CHARLES SCHWAB BANK 101 MONTGOMERY STREET 11-262 SAN FRANCISCO, CA 94104 |
* | $ 2,729,598,000 | 3 | $ 536,000 |
| AMERICAN MORTGAGE NETWORK 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 146,000 |
| AMERICAN FREEDOM MORTGAGE, INC 2211 NEWMARKET PARKWAY, SUITE 130 MARIETTA, GA 30067 |
* | $ 10,000,000 | 3 | $ 310,000 |
| COMMUNITY RESOURCE MORTGAGE 508 HAMPTON STREET COLUMBIA, SC 29201 |
* | $ 466,663,000 | 3 | $ 196,000 |
| ENRICHMENT PO BOX 883 OAK RIDGE, TN 37831 |
* | $ 230,269,000 | 3 | $ 231,000 |
| E*TRADE BANK 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 20,288,424,000 | 3 | $ 680,000 |
| RBC MORTGAGE P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 305,652,000 | 3 | $ 337,000 |
| PINNACLE FINANCIAL CORPORATION 2611 TECHNOLOGY DRIVE ORLANDO, FL 32804 |
* | $ 10,000,000 | 3 | $ 274,000 |
| MORTGAGE INVESTORS CORP 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 273,000 |
| MOUNTAIN VALLEY BANK 17114 RANKIN AVE DUNLAP, TN 37327 |
* | $ 65,100,000 | 3 | $ 102,000 |
| NEW STATE MORTGAGE COMPANY 8401 VIRGINIA STREET MERRILLVILE, IN 46410 |
* | $ 10,000,000 | 3 | $ 210,000 |
| UNITED FINANCIAL MORTGAGE CORP 815 COMMERCE DRIVE SUITE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 3 | $ 181,000 |
| STATE FARM BANK 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 3 | $ 349,000 |
| SOUTH TRUST MORTGAGE 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 34,000,000 | 3 | $ 166,000 |
| TMG REAL ESTATE & FINANCIAL 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 3 | $ 207,000 |
| Y-12 FEDERAL CREDIT UNION 501 LAFAYETTE DR OAK RIDGE, TN 37830 |
* | $ 333,316,000 | 3 | $ 317,000 |
| THRIVENT FINANCIAL BANK 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 373,438,000 | 2 | $ 122,000 |
| SYNERGY MORTGAGE CORP. 510 N. VALLEY MILLS DRIVE SUITE 101 WACO, TX 76710 |
* | $ 10,000,000 | 2 | $ 200,000 |
| TRUSTMARK NATIONAL BANK PO BOX 291 JACKSON, MS 39205 |
* | $ 7,753,398,000 | 2 | $ 175,000 |
| WACHOVIA MORTGAGE CORP 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 2 | $ 129,000 |
| NEXSTAR FINANCIAL CORPORATION 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 2 | $ 152,000 |
| NFCU 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 20,039,756,000 | 2 | $ 321,000 |
| OLYMPUS MORTGAGE COMPANY 1100 TOWN & COUNTRY, SUITE 460 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 132,000 |
| NATIONAL BANK OF COMMERCE ONE COMMERCE SQUARE, 4TH FLOOR MEMPHIS, TN 38150 |
* | $ 22,761,305,000 | 2 | $ 56,000 |
| PENTAGON FEDERAL CREDIT UNION 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 6,057,833,000 | 2 | $ 71,000 |
| PROFESSIONAL MORTGAGE GROUP, I 222 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 2 | $ 191,000 |
| PROVIDENT FUNDING ASSOCIATES, L.P. 851 TRAEGER AVENUE, SUITE 100 SACRAMENTO, CA 94066 |
* | $ 10,000,000 | 2 | $ 223,000 |
| REGIONS BANK 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 45,247,734,000 | 2 | $ 142,000 |
| FIDELITY BANK 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,355,897,000 | 2 | $ 67,000 |
| COMMUNITY FIRST BANK 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 53,827,000 | 2 | $ 186,000 |
| CITIBANK, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 24,659,500,000 | 2 | $ 104,000 |
| AMERICAN HOME MORTGAGE CORP. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 202,000 |
| AEGIS MORTGAGE CORPORATION 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 196,000 |
| AEGIS FUNDING CORPORATION 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 163,000 |
| AMSTAR MORTGAGE CORPORATION 10851 SCARSDALE BLVD. HOUSTON, TX 77089 |
* | $ 10,000,000 | 2 | $ 130,000 |
| AMTRUST BANK 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 11,298,870,000 | 2 | $ 158,000 |
| HOMEQUEST CAPITAL FUNDING, LLC 30000 MILL CREEK AVE, SUITE 400 ALPHARETTA, GA 30022 |
* | $ 10,000,000 | 2 | $ 134,000 |
| LASALLE BANK NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 61,258,857,000 | 2 | $ 1,421,000 |
| MERITAGE MORTGAGE CORP. 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 2 | $ 165,000 |
| MBNA AMERICA DELAWARE, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 2 | $ 136,000 |
| M&T MORTGAGE CORPORATION 465 MAIN STREET - 5TH FLR - LAFAYETTE CT BUFFALO, NY 14203 |
* | $ 49,199,485,000 | 2 | $ 462,000 |
| MORTGAGE COMPANY OF AMERICA,LL 2416 21ST AVE. SOUTH, SUITE 202 NASHVILLE, TN 37212 |
* | $ 10,000,000 | 2 | $ 116,000 |
| FIRSTCITY MORTGAGE, INC. 445 ATLANTA SOUTH PARKWAY #105 ATLANTA, GA 30349 |
* | $ 10,000,000 | 2 | $ 81,000 |
| FIRST NATIONAL BANK P O BOX 488 PIKEVILLE, TN 37367 |
* | $ 66,218,000 | 2 | $ 357,000 |
| FIRST NATIONAL BANK 200 EAST BROADWAY LENOIR CITY, TN 37771 |
* | $ 288,892,000 | 1 | $ 32,000 |
| FIRST COUNTY BANK 14-22 E HANOVER NEW BADEN, IL 62265 |
* | $ 301,645,000 | 1 | $ 334,000 |
| FLEET NATIONAL BANK 525 N TRYON ST NC1-023-06-04 CHARLOTTE, NC 28255 |
* | $ 192,265,000,000 | 1 | $ 15,000 |
| FIRSTCITYBANK 831 FAIRWAYS COURT STOCKBRIDGE, GA 31802 |
* | $ 63,826,000 | 1 | $ 134,000 |
| GUARANTY RESIDENTIAL LENDING 1300 S. MOPAC EXPWY AUSTIN, TX 78746 |
* | $ 9,102,046,000 | 1 | $ 81,000 |
| HOME LOAN CENTER 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 165,000 |
| HOME LOAN INVESTMENT BANK ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 282,755,000 | 1 | $ 63,000 |
| GB HOME EQUITY, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 175,000 |
| FREEDOM MORTGAGE CORP. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 25,000 |
| GREENPOINT CREDIT, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 1 | $ 17,000 |
| MID-ATLANTIC FINANCIAL SERVICE 200 GALLERIA PARKWAY SUITE 1300 ATLANTA, GA 30008 |
* | $ 10,000,000 | 1 | $ 79,000 |
| MONEYLINE LENDING SERVICES 15420 LAGUNA CANYON RD. STE. 100 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 76,000 |
| MOREQUITY,INC. (NV) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 75,000 |
| MORGAN STANLEY CREDIT CORP 75 N. FAIRWAY DRIVE VERNON HILLS, IL 60061 |
* | $ 10,000,000 | 1 | $ 145,000 |
| MACQUARIE MORTGAGES USA, INC. 10151 DEERWOOD PARK BLDG 100, SUITE 500 JACKSONVILLE,, FL 32256 |
* | $ 10,000,000 | 1 | $ 237,000 |
| MAGNA BANK 6525 N QUAIL HOLLOW RD SUITE 513 MEMPHIS, TN 38120 |
* | $ 204,585,000 | 1 | $ 157,000 |
| M&I BANK FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 904,406,000 | 1 | $ 113,000 |
| MEGASTAR FINANCIAL 1080 CHEROKEE ST DENVER, CO 80204 |
* | $ 10,000,000 | 1 | $ 148,000 |
| MEMBER FIRST MORTGAGE LLC 616 44TH STREET SE GRAND RAPIDS, MI 49546 |
* | $ 11,800,000 | 1 | $ 56,000 |
| LEGENDARY HOME LOANS, INC. 1143 COLUMBIA AVE, STE C-11 FRANKLIN, TN 37064 |
* | $ 10,000,000 | 1 | $ 73,000 |
| LIBERTY SAVINGS BANK, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,800,963,000 | 1 | $ 74,000 |
| LOANCITY 5671 SANTA TERESA BOULEVARD SAN JOSE, CA 95123 |
* | $ 10,000,000 | 1 | $ 110,000 |
| IRWIN UNION BANK 500 WASHINGTON ST COLUMBUS, IN 47201 |
* | $ 4,655,913,000 | 1 | $ 72,000 |
| JLM DIRECT FUNDING LTD 9235 KATY FREEWAY STE 160 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 211,000 |
| LAND/HOME FINANCIAL SERVICES 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 103,000 |
| HOMETOWN MORTGAGE SERVICES INC 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 72,000 |
| HSBC BANK USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 95,600,000 | 1 | $ 320,000 |
| HSBC MORTGAGE CORP 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 320,000 |
| INTERVALE MORTGAGE 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 203,824,000 | 1 | $ 21,000 |
| AMTRUST MORTGAGE CORPORATION 100 GLENRIDGE POINT PKWY, SUITE 400 ATLANTA, GA 30342 |
* | $ 10,000,000 | 1 | $ 63,000 |
| BEACON FEDERAL 6311 COURT STREET ROAD EAST SYRACUSE, NY 13057 |
* | $ 327,190,000 | 1 | $ 10,000 |
| CHARTER ONE BANK 1215 SUPERIOR AVE CLEVELAND, OH 44114 |
* | $ 42,698,804,000 | 1 | $ 380,000 |
| BENTON BANKING COMPANY 219 WARD & COMMERCE STREET BENTON, TN 37307 |
* | $ 94,703,000 | 1 | $ 50,000 |
| C & F MORTGAGE CORPORATION 1400 ALVERSER DRIVE WEST POINT, VA 23113 |
* | $ 189,567,000 | 1 | $ 340,000 |
| CAPITALONE 15000 CAPITAL ONE DR RICHMOND, VA 23238 |
* | $ 12,581,787,000 | 1 | $ 82,000 |
| CAPITOL FEDERAL SAVINGS 700 S. KANSAS AVE TOPEKA, KS 66601 |
* | $ 8,411,182,000 | 1 | $ 134,000 |
| CENTRAL BANK OF JEFFERSON CTY 4630 TAYLORSVILLE RD LOUISVILLE, KY 40220 |
* | $ 212,818,000 | 1 | $ 113,000 |
| CENTRAL PACFIC MORTGAGE 950 IRON POINT RD SUITE 200 FOLSOM, CA 95630 |
* | $ 31,000,000 | 1 | $ 85,000 |
| ACE MORTGAGE FUNDING, LLC. 7820 INNOVATION BLVD. SUITE 300 INDIANAPOLIS, IN 46278 |
* | $ 10,000,000 | 1 | $ 79,000 |
| ACOUSTIC HOME LOANS, LLC 770 THE CITY DRIVE SOUTH, SUITE 1500 ORANGE, CA 92868 |
* | $ 336,792,793,000 | 1 | $ 138,000 |
| AMERICAN EQUITY MORTGAGE, INC. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 78,000 |
| CHOICE CAPITAL FUNDING INC. 223 ROSWELL STREET SUITE 100 ALPHARETTA, GA 30004 |
* | $ 10,000,000 | 1 | $ 165,000 |
| CHURCHILL MORTGAGE CORPORATION 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 75,000 |
| COMMUNITY MORTGAGE CORPORATION 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ 10,000,000 | 1 | $ 106,000 |
| CONCORDE ACCEPTANCE CORPORATIO 7929 BROOKRIVER DR., SUITE 500 DALLAS, TX 75247 |
* | $ 10,000,000 | 1 | $ 80,000 |
| CITIZENS BANK OF LAFAYETTE 400 HWY 52 BYPASS WEST LAFAYETTE, TN 37083 |
* | $ 274,457,000 | 1 | $ 112,000 |
| CITIZENS FIRST BANK PO BOX 1189 WARTBURG, TN 37887 |
* | $ 71,163,000 | 1 | $ 125,000 |
| CITIZENS TRI-COUNTY BANK P.O. BOX, 15699 DUNLAP, TN 37327 |
* | $ 305,772,000 | 1 | $ 29,000 |
| EXPRESS CAPITAL LENDING 3134 AIRWAY AVENUE COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 100,000 |
| THE EQUITABLE MORTGAGE CORPORATION 3530 SNOUFFER ROAD, STE 100 CLEVELAND, OH 43235 |
* | $ 10,000,000 | 1 | $ 75,000 |
| ROCK VALLEY CREDIT UNION 1201 CLIFFORD AVE LOVES PARK, IL 61111 |
* | $ 59,889,000 | 1 | $ 160,000 |
| PEOPLE'S CHOICE FINANCIAL CORP 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 124,000 |
| OPTEUM FINANCIAL SERVICES LLC WEST 115 CENTURY ROAD - 3RD FLOOR PARAMUS, NJ 07652 |
* | $ 10,000,000 | 1 | $ 131,000 |
| PNC BANK N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 62,020,896,000 | 1 | $ 18,000 |
| PRIMARY RESIDENTIAL MORTGAGE 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 50,000 |
| MORTGAGE LENDERS OF AMERICA, L 8400 WEST 110TH SUITE 500 OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 1 | $ 121,000 |
| NEW SOUTH FEDERAL SAVINGS BANK 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,342,774,000 | 1 | $ 23,000 |
| WALTER MORTGAGE COMPANY 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 91,000 |
| VOLUNTEER TRUST MORTGAGE CORP 301 S. PERIMETER PARK DRIVE #125 NASHVILLE, TN 37211 |
* | $ 10,000,000 | 1 | $ 130,000 |
| UNION FEDERAL C/O SKY BANK 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,690,967,000 | 1 | $ 122,000 |
| UNITED COMMUNITY BANK PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 3,107,151,000 | 1 | $ 168,000 |
| UNITED COMMUNITY BANK - TN 725 HWY 321 NORTH LENOIR CITY, TN 37771 |
* | $ 194,222,000 | 1 | $ 30,000 |
| UNITED WESTERN BANK 700 17TH ST DENVER, CO 80202 |
* | $ 1,647,883,000 | 1 | $ 66,000 |
| TAYLOR, BEAN & WHITAKER 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 135,000 |
| THE HOME BANK OF TENNESSEE 2713 FOREST HILLS ROAD WILSON, NC 27893 |
* | $ 95,731,000 | 1 | $ 10,000 |
| THE HUNTINGTON NATIONAL BANK 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 30,245,697,000 | 1 | $ 155,000 |
| TOWER FEDERAL CREDIT UNION 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 1,314,591,000 | 1 | $ 100,000 |
| SECURITY SAVINGS BANK, FSB 11599 RIDGEVIEW RD OLATHE, KS 66061 |
* | $ 761,066,000 | 1 | $ 65,000 |
| SHARE PLUS FEDERAL BANK 5224 W. PLANO PKWY PLANO, TX 75093 |
* | $ 152,145,000 | 1 | $ 100,000 |
| SKY BANK C/O HUNTINGTON BANK 137 CLOUGH ST. BOWLING GREEN, OH 43402 |
* | $ 11,844,146,000 | 1 | $ 117,000 |
| SLM FINANCIAL CORPORATION 300 CONTINENTAL DRIVE NEWARK, DE 19713 |
* | $ 10,000,000 | 1 | $ 7,000 |
| ZIONS FIRST NATIONAL BANK ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 10,650,635,000 | 1 | $ 85,000 |
| WILSON BANK AND TRUST 623 WEST MAIN STREET LEBANON, TN 37087 |
* | $ 689,869,000 | 1 | $ 140,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2004, 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 Cumberland County TN in 2004
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 | 2,233 | $201,007,000 | $90,000 | $1,325,000 | $45,000 | $858,000 |
| Home Purchase | 1,724 | $152,317,000 | $88,000 | $614,000 | $53,000 | $1,200,000 |
| Home Improvement | 220 | $8,370,000 | $38,000 | $190,000 | $44,000 | $320,000 |
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 | 3,217 | $279,197,000 | $86,000 | $731,000 | $51,000 | $1,200,000 |
| Not Provided | 565 | $48,439,000 | $85,000 | $850,000 | $51,000 | $595,000 |
| Not applicable | 274 | $22,969,000 | $83,000 | $1,325,000 | $10,000 | $117,000 |
| Hispanic | 63 | $4,638,000 | $73,000 | $225,000 | $42,000 | $169,000 |
| Black or African American | 39 | $4,288,000 | $109,000 | $285,000 | $52,000 | $295,000 |
| American Indian or Alaskan Native | 13 | $1,093,000 | $84,000 | $207,000 | $63,000 | $372,000 |
| Asian | 6 | $1,070,000 | $178,000 | $580,000 | $94,000 | $300,000 |
| 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) | 3,989 | $344,756,000 | $86,000 | $1,325,000 | $49,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 100 | $8,985,000 | $89,000 | $215,000 | $32,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $3,959,000 | $76,000 | $118,000 | $23,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 36 | $3,994,000 | $110,000 | $195,000 | $27,000 | $96,000 |
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 | 1,569 | $152,436,000 | $97,000 | $1,325,000 | $54,000 | $1,200,000 |
| Application Denied By Financial Institution | 1,070 | $72,216,000 | $67,000 | $614,000 | $48,000 | $910,000 |
| Loan Purchased By The Institution | 547 | $52,759,000 | $96,000 | $500,000 | $27,000 | $858,000 |
| Application Withdrawn By Applicant | 503 | $45,255,000 | $89,000 | $850,000 | $50,000 | $595,000 |
| Application Approved But Not Accepted | 403 | $30,862,000 | $76,000 | $400,000 | $50,000 | $300,000 |
| File Closed For Incompleteness | 85 | $8,166,000 | $96,000 | $350,000 | $53,000 | $642,000 |
| 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 | 309 | $17,842,000 | $57,000 | $250,000 | $39,000 | $320,000 |
| Other | 205 | $15,787,000 | $77,000 | $560,000 | $68,000 | $910,000 |
| Debt-To-Income Ratio | 83 | $5,393,000 | $64,000 | $156,000 | $32,000 | $84,000 |
| Collateral | 68 | $5,197,000 | $76,000 | $236,000 | $43,000 | $324,000 |
| Credit Application Incomplete | 60 | $5,442,000 | $90,000 | $520,000 | $78,000 | $600,000 |
| Employment History | 12 | $730,000 | $60,000 | $169,000 | $42,000 | $110,000 |
| Unverifiable Information | 10 | $691,000 | $69,000 | $113,000 | $30,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $317,000 | $79,000 | $99,000 | $34,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
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.