In 2019, lenders reported 466 mortgage applications in Johnson County, TN totaling $70.1 million, up 7% from 2018. The average application was for $150,000, and applicants reported an average income of $73,000. 50% of applications resulted in an originated loan and 18% were denied. The most active lender was Eastman Credit Union, with 32 applications, followed by Vanderbilt Mortgage and Finance, Inc and Elizabethton Federal Savings 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 | 466 |
| Total Mortgage Loan Application Amount | $70,130,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $821,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 4,530,157,000 | 32 | $ 2,960,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 31 | $ 3,005,000 |
| Elizabethton Federal Savings Bank 112-114 NORTH SYCAMORE STREET ELIZABETHTON, TN 37643 |
* | $ 303,195,000 | 21 | $ 2,265,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 19 | $ 2,915,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 17 | $ 2,845,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 16 | $ 1,240,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 15 | $ 2,355,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 14 | $ 2,350,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 14 | $ 2,180,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 14 | $ 2,850,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 12 | $ 2,050,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 38,812,319,000 | 11 | $ 1,195,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 9 | $ 1,415,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 9 | $ 2,005,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 8 | $ 340,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 7 | $ 1,105,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,775,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,300,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 6 | $ 710,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 6 | $ 650,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 6 | $ 930,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 6 | $ 1,580,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 5 | $ 385,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 1,095,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 5 | $ 1,085,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 5 | $ 1,005,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 550,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 4 | $ 500,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 40,636,055,000 | 4 | $ 260,000 |
| Bank of Tennessee 301 E. CENTER ST. KINGSPORT, TN 37660 |
* | $ 1,375,614,000 | 4 | $ 350,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 270,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 420,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 565,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 155,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 12,915,178,000 | 3 | $ 1,025,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 3 | $ 535,000 |
| Highlands Union Bank 340 WEST MAIN STREET ABINGDON, VA 24210 |
* | $ 591,931,000 | 3 | $ 255,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 3 | $ 435,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 2 | $ 70,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 420,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 12,548,727,000 | 2 | $ 1,020,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 350,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 2 | $ 280,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 2 | $ 380,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 210,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 270,000 |
| Ten Credit Union 1400 8TH AVE SOUTH NASHVILLE, TN 37203 |
* | $ 314,997,000 | 2 | $ 400,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 230,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 2 | $ 290,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 320,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 190,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 250,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 2 | $ 490,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 2 | $ 200,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 380,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 2 | $ 310,000 |
| Northeast Community Credit Union 980 JASON WITTEN WAY ELIZABETHTON, TN 37643 |
* | $ 115,643,000 | 2 | $ 400,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 35,267,496,000 | 2 | $ 100,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 490,000 |
| Signature Mortgage Corporation 4790 DOUGLAS CIRCLE NW CANTON, OH 44718 |
* | $ -1,000 | 1 | $ 85,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 315,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 1 | $ 245,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 125,000 |
| Andrew Johnson Bank 124 N MAIN STREET GREENEVILLE, TN 37744 |
* | $ 370,500,000 | 1 | $ 255,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 364,059,000 | 1 | $ 115,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 155,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ -1,000 | 1 | $ 115,000 |
| Security Federal Bank 632 E ELK AVENUE ELIZABETHTON, TN 37643 |
* | $ 68,042,000 | 1 | $ 25,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 155,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 820,261,000 | 1 | $ 265,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 124,485,000 | 1 | $ 195,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 235,000 |
| The Bank of Marion PO BOX 1067 MARION, VA 24354 |
* | $ 377,255,000 | 1 | $ 55,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 125,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 175,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 275,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 135,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 24,904,500,000 | 1 | $ 165,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 25,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 1 | $ 245,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ -1,000 | 1 | $ 205,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 125,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 275,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 5,953,334,000 | 1 | $ 55,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 335,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 9,796,674,000 | 1 | $ 435,000 |
| Midflorida Credit Union 3004 S FLORIDA AVE LAKELAND, FL 33801 |
* | $ 3,286,122,000 | 1 | $ 165,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 335,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 35,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 90,056,875,000 | 1 | $ 135,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 95,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 165,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 125,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 85,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 1 | $ 175,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 265,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 425,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 125,000 |
| Consumer Credit Union 3634 E. ANDREW JOHNSON HIGHWAY GREENEVILLE, TN 37745 |
* | $ 450,881,000 | 1 | $ 35,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 295,000 |
| Knoxville Tva Employees Credit Union 301 WALL AVE KNOXVILLE, TN 37932 |
* | $ 2,126,092,000 | 1 | $ 85,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 95,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 335,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 175,000 |
The tables below break down 2019 mortgage applications in Johnson 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 262 | $38,330,000 | $146,000 | $605,000 | $76,000 | $800,000 |
| Refinancing | 88 | $16,710,000 | $189,000 | $705,000 | $81,000 | $821,000 |
| Cash-out Refinancing | 71 | $12,075,000 | $170,000 | $395,000 | $58,000 | $180,000 |
| Other Purpose | 28 | $2,070,000 | $73,000 | $285,000 | $73,000 | $369,000 |
| Home Improvement | 14 | $600,000 | $42,000 | $75,000 | $70,000 | $145,000 |
| Not Applicable | 3 | $345,000 | $115,000 | $135,000 | $0 | $0 |
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 | 383 | $58,065,000 | $151,000 | $705,000 | $75,000 | $821,000 |
| Not Provided | 42 | $6,810,000 | $162,000 | $405,000 | $63,000 | $327,000 |
| Not applicable | 35 | $4,695,000 | $134,000 | $335,000 | $40,000 | $69,000 |
| Black or African American | 3 | $135,000 | $45,000 | $55,000 | $34,000 | $38,000 |
| Hispanic | 1 | $35,000 | $35,000 | $35,000 | $36,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $275,000 | $275,000 | $275,000 | $61,000 | $61,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $38,000 | $38,000 |
| Asian | 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) | 295 | $41,615,000 | $141,000 | $705,000 | $82,000 | $821,000 |
| VA-guaranteed (Veterans Administration) | 84 | $16,730,000 | $199,000 | $375,000 | $59,000 | $309,000 |
| FHA-insured (Federal Housing Administration) | 71 | $9,975,000 | $140,000 | $275,000 | $50,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,810,000 | $113,000 | $185,000 | $47,000 | $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 | 235 | $37,105,000 | $157,000 | $705,000 | $80,000 | $821,000 |
| Application Denied By Financial Institution | 84 | $10,760,000 | $128,000 | $605,000 | $61,000 | $369,000 |
| Application Withdrawn By Applicant | 58 | $9,400,000 | $162,000 | $385,000 | $77,000 | $800,000 |
| Loan Purchased By The Institution | 45 | $7,145,000 | $158,000 | $395,000 | $64,000 | $130,000 |
| File Closed For Incompleteness | 33 | $3,715,000 | $112,000 | $365,000 | $55,000 | $146,000 |
| Application Approved But Not Accepted | 11 | $2,005,000 | $182,000 | $425,000 | $72,000 | $171,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 373 | $58,615,000 | $157,000 | $705,000 | $78,000 | $821,000 |
| Credit History | 30 | $2,950,000 | $98,000 | $285,000 | $51,000 | $369,000 |
| Debt-To-Income Ratio | 29 | $3,705,000 | $127,000 | $605,000 | $45,000 | $265,000 |
| Collateral | 14 | $2,080,000 | $148,000 | $485,000 | $79,000 | $171,000 |
| Credit Application Incomplete | 6 | $940,000 | $156,000 | $245,000 | $76,000 | $166,000 |
| Other | 6 | $1,010,000 | $168,000 | $285,000 | $42,000 | $60,000 |
| Unverifiable Information | 5 | $575,000 | $115,000 | $215,000 | $101,000 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $255,000 | $85,000 | $115,000 | $88,000 | $138,000 |
| Mortgage Insurance Denied | 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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