Houston County, TN Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 344 mortgage applications in Houston County, TN totaling $36.8 million, up 12% from 2015. The average application was for $106,000, and applicants reported an average income of $60,000. 50% of applications resulted in an originated loan and 23% were denied. The most active lender was Traditions First Bank, with 42 applications, followed by Regions Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 344 |
| Total Mortgage Loan Application Amount | $36,797,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $560,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $882,000 |
* 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 |
|---|---|---|---|---|
| Traditions First Bank 5745 EAST MAIN STREET ERIN, TN 37061 |
* | $ 116,948,000 | 42 | $ 3,554,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 22 | $ 2,323,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 18 | $ 1,362,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 18 | $ 2,015,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 18 | $ 2,059,000 |
| Heritage Bank USA, Inc. 4155 LAFAYETTE RD HOPKINSVILLE, KY 42241 |
* | $ 900,590,000 | 16 | $ 957,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 10 | $ 1,045,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 10 | $ 1,589,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 10 | $ 903,000 |
| F&M Bank 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 907,851,000 | 9 | $ 1,131,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 9 | $ 1,339,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 8 | $ 969,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 7 | $ 1,008,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 6 | $ 515,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 6 | $ 817,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 6 | $ 874,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 6 | $ 679,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 6 | $ 983,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 650,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 466,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 4 | $ 467,000 |
| Johnsonville Tva Employees Cre 209 HWY 641 NORTH CAMDEN, TN 38320 |
* | $ 91,582,000 | 4 | $ 285,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 4 | $ 601,000 |
| First Federal Bank 611 EAST COLLEGE ST DICKSON, TN 37055 |
* | $ 487,900,000 | 4 | $ 285,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 350,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 62,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 3 | $ 197,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 3 | $ 183,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 264,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 2 | $ 109,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 2 | $ 48,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 256,000 |
| Cumberland Bank & Trust 502 MADISON STREET CLARKSVILLE, TN 37040 |
* | $ 173,677,000 | 2 | $ 245,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 194,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ 26,264,000 | 2 | $ 262,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 265,000 |
| Legends Bank P.O. BOX 1066 CLARKSVILLE, TN 37041 |
* | $ 406,713,000 | 2 | $ 300,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ 56,032,000 | 2 | $ 169,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ 10,000,000 | 2 | $ 266,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 198,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 198,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 1,086,068,000 | 2 | $ 169,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 2 | $ 338,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 173,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 109,000 |
| First Tn Bk NA 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 7,451,485,000 | 1 | $ 301,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 135,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 1 | $ 114,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 166,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 121,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 1 | $ 158,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 112,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ 9,102,000 | 1 | $ 151,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Planters Bank, Inc. 1312 SOUTH MAIN ST HOPKINSVILLE, KY 42240 |
* | $ 906,831,000 | 1 | $ 85,000 |
| Citizens National Bank of Greater St. Louis 7305 MANCHESTER AVE. MAPLEWOOD, MO 63143 |
* | $ 441,660,000 | 1 | $ 159,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 80,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 144,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 1 | $ 30,000 |
| Tristar Bank 719 E COLLEGE STREET DICKSON, TN 37055 |
* | $ 239,550,000 | 1 | $ 72,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Tennessee Trust Mortgage, Inc. 6398 HWY 41-A PLEASANT VIEW, TN 37146 |
* | $ 1,093,898,000 | 1 | $ 150,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 169,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 93,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 156,000 |
| Bank of Dickson 466 HWY 46 SOUTH DICKSON, TN 37055 |
* | $ 227,277,000 | 1 | $ 49,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 1,142,256,000 | 1 | $ 42,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 60,000 |
| Fortera Federal Credit Union 2050 LOWES DRIVE CLARKSVILLE, TN 37040 |
* | $ 507,700,000 | 1 | $ 200,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 625,428,000 | 1 | $ 40,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 1,177,985,000 | 1 | $ 107,000 |
The tables below break down 2016 mortgage applications in Houston 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 Houston County, TN in 2016
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 | 176 | $19,178,000 | $108,000 | $355,000 | $57,000 | $882,000 |
| Refinancing | 135 | $16,204,000 | $120,000 | $560,000 | $60,000 | $600,000 |
| Home Improvement | 33 | $1,415,000 | $42,000 | $225,000 | $74,000 | $436,000 |
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 | 275 | $29,236,000 | $106,000 | $560,000 | $65,000 | $882,000 |
| Not applicable | 32 | $3,616,000 | $113,000 | $200,000 | $7,000 | $207,000 |
| Not Provided | 21 | $2,224,000 | $105,000 | $156,000 | $70,000 | $166,000 |
| American Indian or Alaskan Native | 7 | $883,000 | $126,000 | $221,000 | $69,000 | $158,000 |
| Black or African American | 5 | $432,000 | $86,000 | $146,000 | $65,000 | $195,000 |
| Hispanic | 3 | $326,000 | $108,000 | $185,000 | $65,000 | $92,000 |
| Asian | 1 | $80,000 | $80,000 | $80,000 | $148,000 | $148,000 |
| Native Hawaiin 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) | 214 | $21,005,000 | $98,000 | $560,000 | $71,000 | $882,000 |
| FHA-insured (Federal Housing Administration) | 62 | $7,015,000 | $113,000 | $225,000 | $43,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 35 | $5,275,000 | $150,000 | $231,000 | $49,000 | $190,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $3,502,000 | $106,000 | $272,000 | $30,000 | $71,000 |
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 | 172 | $16,911,000 | $98,000 | $560,000 | $65,000 | $882,000 |
| Application Denied By Financial Institution | 80 | $8,721,000 | $109,000 | $308,000 | $65,000 | $600,000 |
| Loan Purchased By The Institution | 43 | $5,088,000 | $118,000 | $200,000 | $26,000 | $207,000 |
| Application Withdrawn By Applicant | 24 | $3,150,000 | $131,000 | $312,000 | $65,000 | $190,000 |
| File Closed For Incompleteness | 16 | $1,670,000 | $104,000 | $312,000 | $53,000 | $257,000 |
| Application Approved But Not Accepted | 9 | $1,257,000 | $139,000 | $225,000 | $73,000 | $200,000 |
| 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 | 16 | $1,956,000 | $122,000 | $308,000 | $77,000 | $436,000 |
| Debt-To-Income Ratio | 10 | $1,135,000 | $113,000 | $300,000 | $36,000 | $77,000 |
| Collateral | 5 | $793,000 | $158,000 | $221,000 | $99,000 | $158,000 |
| Credit Application Incomplete | 3 | $207,000 | $69,000 | $135,000 | $54,000 | $85,000 |
| Other | 2 | $192,000 | $96,000 | $118,000 | $59,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $71,000 | $71,000 | $71,000 | $47,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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