Gibson County, TN Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 2,076 mortgage applications in Gibson County, TN totaling $341.2 million, up 1% from 2023. The average application was for $164,000, and applicants reported an average income of $92,000. 54% of applications resulted in an originated loan and 18% were denied. The most active lender was Leaders Credit Union, with 269 applications, followed by Regions Bank and Cadence 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 2,076
Total Mortgage Loan Application Amount $341,200,000
Average Mortgage Loan Application Amount $164,000
Highest Mortgage Loan Application Amount $1,295,000
Average Applicant Income $92,000
Highest Applicant Income $1,247,000

Mortgage Company List for Lending in Gibson County, TN for 2024

* 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
Leaders Credit Union
35 STONEBRIDGE BLVD.
JACKSON, TN 38305
* $ n/a 269 $ 35,945,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 213 $ 21,905,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 97 $ 12,315,000
Centennial Bank
P.O. BOX 308
TREZEVANT, TN 38258
* $ n/a 94 $ 17,180,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 67 $ 14,605,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 66 $ 16,390,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ n/a 58 $ 8,080,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 51 $ 7,215,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 51 $ 13,135,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 50 $ 12,450,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 45 $ 9,505,000
Carroll Bank and Trust
19510 E MAIN ST
HUNTINGDON, TN 38344
* $ n/a 44 $ 4,230,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 42 $ 9,120,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 39 $ 8,295,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 35 $ 6,165,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 34 $ 8,620,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 33 $ 5,135,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 27 $ 2,295,000
Security Bank and Trust Company
110 S MAIN ST
DYER, TN 38330
* $ n/a 25 $ 2,135,000
The Bank of Milan
2011 E VAN HOOK ST
MILAN, TN 38358
* $ n/a 25 $ 2,885,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 24 $ 3,300,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 22 $ 4,030,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 22 $ 2,960,000
Commercial Bank & Trust Company
P.O. BOX 1000
PARIS, TN 38242
* $ n/a 20 $ 3,570,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 18 $ 1,120,000
Security Bank
120 N MILL AVE
DYERSBURG, TN 38024
* $ n/a 17 $ 3,145,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 16 $ 3,700,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 15 $ 3,065,000
First Citizens National Bank

NEWARK, OH 43055
* $ n/a 15 $ 2,035,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 14 $ 2,180,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 14 $ 2,670,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 14 $ 690,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 12 $ 1,770,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 11 $ 2,505,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 11 $ 1,715,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 11 $ 1,585,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 11 $ 2,255,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 10 $ 740,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 10 $ 1,690,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ n/a 9 $ 1,945,000
First National Bank of Middle Tennessee
200 E MAIN ST
MCMINNVILLE, TN 37110
* $ n/a 9 $ 1,585,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 8 $ 1,430,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 8 $ 720,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 7 $ 1,005,000
Community Bank
19 NATCHEZ TRACE DR
LEXINGTON, TN 38351
* $ n/a 7 $ 835,000
McKenzie Banking Company
676 N MAIN ST
MCKENZIE, TN 38201
* $ n/a 7 $ 915,000
Bank of Frankewing
PO BOX 1
FRANKEWING, TN 38459
* $ n/a 7 $ 1,565,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 7 $ 1,055,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 7 $ 2,095,000
Legends Bank
P.O. BOX 1066
CLARKSVILLE, TN 37041
* $ n/a 6 $ 1,570,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 6 $ 1,560,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 6 $ 810,000
Decatur County Bank
56 N. PLEASANT ST.
DECATURVILLE, TN 38329
* $ n/a 6 $ 1,050,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 6 $ 1,860,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 6 $ 1,090,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 6 $ 1,910,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 6 $ 1,810,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 5 $ 575,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 5 $ 635,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 5 $ 775,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 5 $ 665,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 5 $ 465,000
Bank of Crockett
P O BOX 849
BELLS, TN 38006
* $ n/a 5 $ 1,315,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 5 $ 645,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 5 $ 1,135,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 5 $ 595,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 5 $ 1,375,000
First Community Bank of the Heartland, Inc.
114 E JACKSON ST
CLINTON, KY 42031
* $ n/a 4 $ 830,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 4 $ 250,000
First South Financial Federal Credit Union
6471 STAGE RD, STE 101
BARTLETT, TN 38134
* $ n/a 4 $ 900,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 4 $ 380,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 4 $ 590,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 4 $ 1,020,000
Lineage Bank
120 5TH AVE N
FRANKLIN, TN 37067
* $ n/a 4 $ 780,000
Orion Federal Credit Union
7845 HIGHWAY 64
MEMPHIS, TN 38103
* $ n/a 4 $ 660,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 4 $ 990,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 4 $ 850,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 800,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 3 $ 215,000
Brighton Bank
7663 HIGHWAY 51 S
BRIGHTON, TN 38011
* $ n/a 3 $ 805,000
Insouth Bank
111 SOUTH WASHINGTON AVE
BROWNSVILLE, TN 38012
* $ n/a 3 $ 645,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ n/a 3 $ 815,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 3 $ 555,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 3 $ 905,000
Patriot Bank
8376 HIGHWAY 51 N
MILLINGTON, TN 38053
* $ n/a 3 $ 375,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 3 $ 545,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ n/a 2 $ 220,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 2 $ 280,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ n/a 2 $ 390,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ n/a 2 $ 380,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 2 $ 560,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 2 $ 130,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 2 $ 450,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 460,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 2 $ 530,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 360,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 2 $ 240,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ n/a 2 $ 130,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 2 $ 490,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 2 $ 640,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 470,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 2 $ 70,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 2 $ 570,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ n/a 2 $ 610,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 2 $ 670,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 300,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 2 $ 160,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ n/a 2 $ 290,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 2 $ 200,000
Countybank
425 MAIN STREET
GREENWOOD, SC 29648
* $ n/a 1 $ 145,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 95,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 135,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 125,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 145,000
Bank of Holly Springs
970 HIGHWAY 7 SOUTH
HOLLY SPRINGS, MS 38635
* $ n/a 1 $ 35,000
Ascend Federal Credit Union
520 AIRPARK DRIVE
TULLAHOMA, TN 37388
* $ n/a 1 $ 255,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 215,000
Citizens Savings Bank & Trust Co
2013 JEFFERSON ST
NASHVILLE, TN 37208
* $ n/a 1 $ 125,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 1 $ 135,000
Bank of Cleveland
75 BOBBY TAYLOR AVE
CLEVELAND, TN 37311
* $ n/a 1 $ 345,000
Bank3
766 S WHITE STATION RD STE 5
MEMPHIS, TN 38119
* $ n/a 1 $ 115,000
Arvest Bank

TULSA, OK 74103
* $ n/a 1 $ 235,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 115,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ n/a 1 $ 85,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 185,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 1 $ 135,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 1 $ 65,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 325,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 145,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 135,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 105,000
Abl Rpc Residential Credit Acquisition LLC
30 MONTGOMERY ST STE 150
JERSEY CITY, NJ 07302
* $ n/a 1 $ 95,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ n/a 1 $ 175,000
Fortera Federal Credit Union
2050 LOWES DRIVE
CLARKSVILLE, TN 37040
* $ n/a 1 $ 25,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 105,000
Xcel Federal Credit Union
1460 BROAD STREET
BLOOMFIELD, NJ 07003
* $ n/a 1 $ 55,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 75,000
Community Mortgage Corporation
142 TIMBER CREEK DRIVE
CORDOVA, TN 38018
* $ n/a 1 $ 325,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 95,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 185,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 1 $ 175,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ n/a 1 $ 245,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ n/a 1 $ 35,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ n/a 1 $ 215,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 45,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 1 $ 295,000
Banktennessee
1125 WEST POPLAR AVENUE
COLLIERVILLE, TN 38017
* $ n/a 1 $ 125,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 265,000
Servis One, Inc
4200 REGENT BLVD SUIT B200
IRVING, TX 75063
* $ n/a 1 $ 175,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ n/a 1 $ 145,000
Utah First Credit Union
200 E SOUTH TEMPLE
SALT LAKE CITY, UT 84111
* $ n/a 1 $ 105,000
American Mortgage Services Inc
171 WESLEY REED
ATOKA, TN 38004
* $ n/a 1 $ 435,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 145,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ n/a 1 $ 35,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ n/a 1 $ 615,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ n/a 1 $ 115,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 205,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 1 $ 255,000
The Bank of Fayette County
1265 HWY 57 EAST
COLLIERVILLE, TN 38017
* $ n/a 1 $ 155,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 375,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 65,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 365,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 125,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 135,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 115,000
Royal Pacific Funding
4000 MACARTHUR BLVD TOWER - 7TH
NEWPORT BEACH, CA 92660
* $ n/a 1 $ 335,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 85,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 1 $ 55,000

The tables below break down 2024 mortgage applications in Gibson 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 Gibson County, TN in 2024

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 996 $203,910,000 $204,000 $1,295,000 $90,000 $840,000
Refinancing 334 $59,010,000 $176,000 $1,005,000 $106,000 $675,000
Cash-out Refinancing 292 $46,840,000 $160,000 $535,000 $72,000 $230,000
Other Purpose 249 $17,445,000 $70,000 $405,000 $104,000 $780,000
Home Improvement 200 $13,580,000 $67,000 $405,000 $91,000 $1,247,000
Not Applicable 5 $415,000 $83,000 $135,000 $117,000 $117,000

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 1,307 $212,765,000 $162,000 $1,015,000 $97,000 $840,000
Not applicable 247 $57,185,000 $231,000 $1,295,000 $108,000 $150,000
Black or African American 230 $28,260,000 $122,000 $535,000 $64,000 $312,000
Not Provided 217 $32,085,000 $147,000 $575,000 $92,000 $1,247,000
Hispanic 52 $8,070,000 $155,000 $435,000 $71,000 $166,000
Asian 17 $2,425,000 $142,000 $305,000 $91,000 $320,000
American Indian or Alaskan Native 5 $295,000 $59,000 $85,000 $126,000 $150,000
Native Hawaiian or Other Pacific Islander 1 $115,000 $115,000 $115,000 $36,000 $36,000

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) 1,368 $190,200,000 $139,000 $1,295,000 $99,000 $1,247,000
FHA-insured (Federal Housing Administration) 410 $81,230,000 $198,000 $495,000 $71,000 $252,000
VA-guaranteed (Veterans Administration) 200 $52,490,000 $262,000 $625,000 $85,000 $279,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 98 $17,280,000 $176,000 $325,000 $71,000 $128,000

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 1,117 $186,935,000 $167,000 $1,295,000 $98,000 $1,247,000
Application Denied By Financial Institution 366 $41,340,000 $112,000 $755,000 $74,000 $703,000
Loan Purchased By The Institution 228 $52,740,000 $231,000 $615,000 $98,000 $261,000
Application Withdrawn By Applicant 215 $35,755,000 $166,000 $665,000 $95,000 $780,000
File Closed For Incompleteness 89 $14,985,000 $168,000 $455,000 $78,000 $230,000
Application Approved But Not Accepted 59 $8,975,000 $152,000 $625,000 $88,000 $491,000
Preapproval Approved but not Accepted 2 $470,000 $235,000 $245,000 $94,000 $109,000
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
Not applicable 1,453 $259,065,000 $178,000 $1,015,000 $91,000 $1,247,000
Debt-To-Income Ratio 366 $54,170,000 $148,000 $1,295,000 $104,000 $840,000
Credit History 134 $11,250,000 $83,000 $385,000 $77,000 $703,000
Collateral 49 $5,695,000 $116,000 $405,000 $73,000 $175,000
Credit Application Incomplete 32 $5,110,000 $159,000 $415,000 $89,000 $312,000
Unverifiable Information 15 $2,115,000 $141,000 $295,000 $56,000 $131,000
Other 12 $1,300,000 $108,000 $255,000 $101,000 $280,000
Insufficient Cash (Downpayment, Closing Cost) 10 $1,930,000 $193,000 $365,000 $88,000 $205,000
Employment History 5 $565,000 $113,000 $245,000 $48,000 $75,000
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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