In 2011, lenders reported 508 mortgage applications in Fentress County, TN totaling $63.2 million, down 19% from 2010. The average application was for $124,000, and applicants reported an average income of $49,000. 38% of applications resulted in an originated loan and 26% were denied. The most active lender was Builtwell Bank, with 67 applications, followed by Embrace Home Loans, Inc. and Wells Fargo Bank NA.
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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 | 508 |
| Total Mortgage Loan Application Amount | $63,192,000 |
| Average Mortgage Loan Application Amount | $124,000 |
| Highest Mortgage Loan Application Amount | $2,837,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $2,062,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 667,546,000 | 67 | $ 12,540,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 28 | $ 3,046,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 27 | $ 2,943,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 27 | $ 2,777,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 24 | $ 2,475,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 22 | $ 2,217,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 21 | $ 2,353,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 21 | $ 1,109,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 19 | $ 2,988,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 18 | $ 895,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 10 | $ 1,859,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 9 | $ 421,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 8 | $ 1,088,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 8 | $ 862,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 7 | $ 978,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 7 | $ 915,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 737,000 |
| Guaranty Mortgage Services LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,270,503,000 | 7 | $ 1,199,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 6 | $ 228,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 6 | $ 807,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 889,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 5 | $ 807,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 5 | $ 1,271,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 5 | $ 874,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 5 | $ 617,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 538,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 4 | $ 254,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 4 | $ 540,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 4 | $ 147,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 4 | $ 205,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 3 | $ 396,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 3 | $ 496,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 24,832,312,000 | 3 | $ 392,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 3 | $ 238,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 3 | $ 364,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 532,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 526,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 3 | $ 281,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 102,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 246,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 149,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 2 | $ 290,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 163,000 |
| Flagship Mortgage Corporation 100 OLD WILSON BRIDGE RD WORTHINGTON, OH 43085 |
* | $ 10,000,000 | 2 | $ 266,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 353,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 2 | $ 190,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 2 | $ 512,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 204,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 2 | $ 349,000 |
| Citizens First Bank PO BOX 1189 WARTBURG, TN 37887 |
* | $ 155,733,000 | 2 | $ 112,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 2 | $ 170,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 2 | $ 80,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 272,000 |
| Guaranty Bank 501 W NORTHSHORE DR. SUITE 400 GLENDALE, WI 53217 |
* | $ 1,270,503,000 | 1 | $ 253,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 132,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 225,000 |
| Bankliberty 16 W FRANKLIN LIBERTY, MO 64068 |
* | $ 441,482,000 | 1 | $ 165,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,147,152,000 | 1 | $ 38,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 650,594,000 | 1 | $ 43,000 |
| Simplybank. RINGGOLD, GA 30736 |
* | $ 222,324,000 | 1 | $ 65,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 1,942,629,000 | 1 | $ 122,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 279,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD STE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Tennessee Valley Federal C U 535 CHESTNUT STREET CHATTANOOGA, TN 37402 |
* | $ 742,289,000 | 1 | $ 48,000 |
| Ornl Federal Credit Union 221 SOUTH RUTGERS AVENUE OAK RIDGE, TN 37830 |
* | $ 1,278,130,000 | 1 | $ 69,000 |
| Y-12 Federal Credit Union 501 LAFAYETTE DR OAK RIDGE, TN 37830 |
* | $ 551,060,000 | 1 | $ 168,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 147,635,000 | 1 | $ 127,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 448,171,000 | 1 | $ 282,000 |
| Knoxville Tva Employees Credit Union 301 WALL AVE KNOXVILLE, TN 37932 |
* | $ 925,084,000 | 1 | $ 132,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 156,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 7,724,367,000 | 1 | $ 65,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 133,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 114,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 51,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 1 | $ 110,000 |
| Atlantic Capital Bank, National Association 1110 MARKET STREET SUITE 300 CHATTANOOGA, TN 37402 |
* | $ 1,167,037,000 | 1 | $ 125,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 1,400,000,000 | 1 | $ 132,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 1 | $ 115,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 51,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 130,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 129,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 124,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 108,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 149,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 132,000 |
| Chattanooga Agcredit Assoc. 2826 AMNICOLA HIGHWAY. P.O. BOX 5220 CHATTANOOGA, TN 37406 |
* | $ 151,569,617,000 | 1 | $ 33,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 266,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 300,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 71,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 250,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 249,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 131,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 188,000 |
The tables below break down 2011 mortgage applications in Fentress 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 | 299 | $46,874,000 | $156,000 | $2,837,000 | $52,000 | $2,062,000 |
| Home Purchase | 174 | $14,724,000 | $84,000 | $311,000 | $42,000 | $239,000 |
| Home Improvement | 35 | $1,594,000 | $45,000 | $316,000 | $51,000 | $495,000 |
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 | 416 | $50,525,000 | $121,000 | $2,837,000 | $53,000 | $2,062,000 |
| Not Provided | 50 | $6,156,000 | $123,000 | $373,000 | $42,000 | $180,000 |
| Not applicable | 35 | $5,920,000 | $169,000 | $600,000 | $11,000 | $160,000 |
| American Indian or Alaskan Native | 4 | $263,000 | $65,000 | $102,000 | $40,000 | $73,000 |
| Asian | 1 | $143,000 | $143,000 | $143,000 | $0 | $0 |
| Black or African American | 1 | $70,000 | $70,000 | $70,000 | $32,000 | $32,000 |
| Hispanic | 1 | $115,000 | $115,000 | $115,000 | $51,000 | $51,000 |
| 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) | 341 | $42,209,000 | $123,000 | $2,837,000 | $55,000 | $2,062,000 |
| FHA-insured (Federal Housing Administration) | 108 | $13,287,000 | $123,000 | $272,000 | $37,000 | $205,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $3,078,000 | $99,000 | $182,000 | $27,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 28 | $4,618,000 | $164,000 | $297,000 | $39,000 | $141,000 |
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 | 195 | $29,620,000 | $151,000 | $2,837,000 | $64,000 | $2,062,000 |
| Application Denied By Financial Institution | 132 | $11,742,000 | $88,000 | $370,000 | $35,000 | $180,000 |
| Loan Purchased By The Institution | 74 | $9,025,000 | $121,000 | $297,000 | $32,000 | $190,000 |
| Application Approved But Not Accepted | 51 | $5,108,000 | $100,000 | $508,000 | $49,000 | $139,000 |
| Application Withdrawn By Applicant | 47 | $6,373,000 | $135,000 | $373,000 | $54,000 | $205,000 |
| File Closed For Incompleteness | 9 | $1,324,000 | $147,000 | $350,000 | $36,000 | $63,000 |
| 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 | 24 | $1,774,000 | $73,000 | $225,000 | $48,000 | $180,000 |
| Debt-To-Income Ratio | 22 | $1,424,000 | $64,000 | $184,000 | $23,000 | $58,000 |
| Collateral | 13 | $1,447,000 | $111,000 | $204,000 | $51,000 | $110,000 |
| Other | 5 | $590,000 | $118,000 | $148,000 | $35,000 | $78,000 |
| Employment History | 5 | $260,000 | $52,000 | $76,000 | $51,000 | $180,000 |
| Credit Application Incomplete | 3 | $265,000 | $88,000 | $144,000 | $21,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $132,000 | $66,000 | $72,000 | $37,000 | $45,000 |
| Unverifiable Information | 1 | $70,000 | $70,000 | $70,000 | $14,000 | $14,000 |
| 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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