Henry County, TN Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,150 mortgage applications in Henry County, TN totaling $119.1 million, down 12% from 2010. The average application was for $103,000, and applicants reported an average income of $63,000. 47% of applications resulted in an originated loan and 20% were denied. The most active lender was Commercial Bank & Trust Company, with 124 applications, followed by Wells Fargo Bank NA and Firstbank.

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Total Number of Mortgage Applications 1,150
Total Mortgage Loan Application Amount $119,086,000
Average Mortgage Loan Application Amount $103,000
Highest Mortgage Loan Application Amount $1,209,000
Average Applicant Income $63,000
Highest Applicant Income $1,458,000

Mortgage Company List for Lending in Henry County, TN for 2011

* 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
Commercial Bank & Trust Company
P.O. BOX 1000
PARIS, TN 38242
* $ 630,017,000 124 $ 11,483,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 119 $ 13,850,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,068,872,000 113 $ 10,284,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 80 $ 6,824,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 73 $ 9,118,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 68 $ 8,172,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 65 $ 4,157,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 42 $ 3,565,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 40 $ 6,717,000
McKenzie Banking Company
676 N MAIN ST
MCKENZIE, TN 38201
* $ 114,656,000 39 $ 1,931,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 33 $ 4,398,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 29 $ 2,890,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 24 $ 1,890,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 16 $ 2,195,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 15 $ 744,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 13 $ 1,946,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 13 $ 1,387,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 13 $ 635,000
First State Bank
221 HARRISON ST
UNION CITY, TN 38261
* $ 1,476,966,000 12 $ 1,173,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 10 $ 1,381,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 8 $ 518,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 7 $ 1,330,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 7 $ 777,000
Centennial Bank
P.O. BOX 308
TREZEVANT, TN 38258
* $ 261,480,000 7 $ 290,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 7 $ 747,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 7 $ 787,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 6 $ 539,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 5 $ 448,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 5 $ 868,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 1,000,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 5 $ 543,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 5 $ 876,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 5 $ 254,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 4 $ 526,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 4 $ 455,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ 10,000,000 4 $ 564,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,362,287,000 4 $ 353,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 4 $ 407,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 3 $ 229,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 3 $ 481,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 3 $ 226,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 1,006,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 290,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 210,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 3 $ 396,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 3 $ 107,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 421,000
Legends Bank
P.O. BOX 1066
CLARKSVILLE, TN 37041
* $ 341,829,000 2 $ 302,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 2 $ 144,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 781,696,000 2 $ 98,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 650,594,000 2 $ 84,000
First Federal of Charleston
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,249,548,000 2 $ 77,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 2 $ 241,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 272,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 2 $ 170,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 2 $ 38,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 2 $ 281,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 24,832,312,000 2 $ 157,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 27,908,468,000 1 $ 40,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 176,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 1 $ 143,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 99,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 554,688,000 1 $ 77,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 1 $ 108,000
Farmers Bank and Trust Company
400 W. MAIN STREET, P. O. BOX 688
BLYTHEVILLE, AR 72316
* $ 369,862,000 1 $ 126,000
Peoples Bank of Altenburg
8537 MAIN ST
ALTENBURG, MO 63732
* $ 47,796,000 1 $ 32,000
The Bank of Jackson
PO BOX 11327
JACKSON, TN 38308
* $ 125,553,000 1 $ 301,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 1 $ 112,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 286,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 1 $ 62,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 178,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 1 $ 102,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 233,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 48,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 655,223,000 1 $ 44,000
First Citizens National Bank

NEWARK, OH 43055
* $ 974,038,000 1 $ 43,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 113,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 65,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 97,000
Old National Bank
1 MAIN STREET
EVANSVILLE, IN 47708
* $ 7,121,605,000 1 $ 3,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 1 $ 20,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 36,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 1 $ 92,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 151,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 1 $ 73,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 69,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 141,000
Heritage Bank
4155 LAFAYETTE RD
HOPKINSVILLE, KY 42241
* $ 1,060,659,000 1 $ 7,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 1 $ 21,000
Bank of Ripley
134 N JEFFERSON STREET
RIPLEY, TN 38063
* $ 179,975,000 1 $ 53,000
Bank of Cadiz & Trust Company
P O BOX 2020
CADIZ, KY 42211
* $ 99,362,000 1 $ 245,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 1,942,629,000 1 $ 192,000
First Security Bank, Inc.
PO BOX 788
OWENSBORO, KY 42302
* $ 336,667,000 1 $ 114,000
Apex Bank
102 E MAIN ST
CAMDEN, TN 38320
* $ 178,771,000 1 $ 80,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ 790,289,000 1 $ 98,000
Vermilion Valley Bank
4 E PEORIA PO BOX 128
PIPER CITY, IL 60959
* $ 105,763,000 1 $ 144,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 23,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 151,000
Traditions First Bank
5745 EAST MAIN STREET
ERIN, TN 37061
* $ 98,236,000 1 $ 121,000
Sumner Bank & Trust
240 W BROADWAY
GALLATIN, TN 37066
* $ 136,216,000 1 $ 233,000
First State Finance
2705 OLD FORT PARKWAY SUITE P
MURFREESBORO, TN 37128
* $ 103,640,000 1 $ 10,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 1,228,405,000 1 $ 128,000

The tables below break down 2011 mortgage applications in Henry 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 Henry County, TN in 2011

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 628 $74,971,000 $119,000 $1,209,000 $72,000 $1,458,000
Home Purchase 459 $42,356,000 $92,000 $417,000 $51,000 $328,000
Home Improvement 63 $1,759,000 $27,000 $195,000 $55,000 $226,000

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 933 $96,727,000 $103,000 $1,209,000 $69,000 $1,458,000
Not applicable 82 $9,242,000 $112,000 $284,000 $6,000 $122,000
Not Provided 66 $8,088,000 $122,000 $397,000 $57,000 $230,000
Black or African American 48 $3,102,000 $64,000 $189,000 $45,000 $402,000
American Indian or Alaskan Native 9 $722,000 $80,000 $253,000 $58,000 $176,000
Asian 6 $757,000 $126,000 $195,000 $79,000 $172,000
Hispanic 5 $404,000 $80,000 $102,000 $49,000 $89,000
Native Hawaiian or Other Pacific Islander 1 $44,000 $44,000 $44,000 $23,000 $23,000

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) 830 $83,778,000 $100,000 $1,209,000 $71,000 $1,458,000
FHA-insured (Federal Housing Administration) 218 $22,283,000 $102,000 $274,000 $39,000 $226,000
VA-guaranteed (Veterans Administration) 61 $9,021,000 $147,000 $395,000 $54,000 $187,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 41 $4,004,000 $97,000 $169,000 $35,000 $68,000

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 545 $55,376,000 $101,000 $1,209,000 $79,000 $1,458,000
Application Denied By Financial Institution 228 $20,840,000 $91,000 $678,000 $50,000 $402,000
Loan Purchased By The Institution 199 $23,623,000 $118,000 $395,000 $41,000 $345,000
Application Withdrawn By Applicant 88 $9,298,000 $105,000 $300,000 $53,000 $306,000
Application Approved But Not Accepted 71 $6,546,000 $92,000 $417,000 $54,000 $328,000
File Closed For Incompleteness 19 $3,403,000 $179,000 $1,000,000 $53,000 $187,000
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 61 $4,127,000 $67,000 $189,000 $53,000 $402,000
Collateral 24 $3,371,000 $140,000 $384,000 $70,000 $353,000
Debt-To-Income Ratio 19 $2,224,000 $117,000 $264,000 $48,000 $201,000
Credit Application Incomplete 11 $1,252,000 $113,000 $240,000 $57,000 $200,000
Other 8 $1,046,000 $130,000 $248,000 $96,000 $271,000
Employment History 5 $496,000 $99,000 $144,000 $78,000 $186,000
Insufficient Cash (Downpayment, Closing Cost) 3 $159,000 $53,000 $76,000 $45,000 $60,000
Mortgage Insurance Denied 1 $190,000 $190,000 $190,000 $44,000 $44,000
Unverifiable Information 1 $120,000 $120,000 $120,000 $55,000 $55,000

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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