Lake County, TN Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 120 mortgage applications in Lake County, TN totaling $9.3 million, up 20% from 2018. The average application was for $77,000, and applicants reported an average income of $64,000. 40% of applications resulted in an originated loan and 38% were denied. The most active lender was Regions Bank, with 27 applications, followed by Cadence Bank and First Citizens National 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 | 120 |
| Total Mortgage Loan Application Amount | $9,270,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $290,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 27 | $ 1,505,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 18,008,424,000 | 20 | $ 960,000 |
| First Citizens National Bank NEWARK, OH 43055 |
* | $ 1,703,271,000 | 7 | $ 515,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 16,518,217,000 | 4 | $ 340,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 290,000 |
| Commercial Bank & Trust Company P.O. BOX 1000 PARIS, TN 38242 |
* | $ 740,176,000 | 3 | $ 235,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 275,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 375,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 3 | $ 105,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 315,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 80,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 2 | $ 240,000 |
| Security Bank 120 N MILL AVE DYERSBURG, TN 38024 |
* | $ 193,565,000 | 2 | $ 210,000 |
| First South Financial Federal Credit Union 6471 STAGE RD, STE 101 BARTLETT, TN 38134 |
* | $ 568,151,000 | 2 | $ 90,000 |
| Insouth Bank 111 SOUTH WASHINGTON AVE BROWNSVILLE, TN 38012 |
* | $ 323,312,000 | 2 | $ 190,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 90,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 460,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 140,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 55,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 65,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 115,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 125,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| Leaders Credit Union 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 389,103,000 | 1 | $ 135,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 155,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 1 | $ 45,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 45,000 |
| Rushmore Loan Management Services LLC 15480 LAGUNA CANYON ROAD, SUITE 100 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 155,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 125,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 115,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 85,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 1 | $ 155,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,679,144,000 | 1 | $ 55,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 15,430,682,000 | 1 | $ 45,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 185,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 45,000 |
| Centennial Bank P.O. BOX 308 TREZEVANT, TN 38258 |
* | $ 463,407,000 | 1 | $ 185,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 185,000 |
The tables below break down 2019 mortgage applications in Lake 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 Lake County, TN in 2019
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 | 55 | $5,425,000 | $98,000 | $405,000 | $67,000 | $290,000 |
| Refinancing | 27 | $1,625,000 | $60,000 | $185,000 | $60,000 | $162,000 |
| Other Purpose | 15 | $525,000 | $35,000 | $75,000 | $64,000 | $166,000 |
| Home Improvement | 13 | $715,000 | $55,000 | $125,000 | $76,000 | $279,000 |
| Cash-out Refinancing | 10 | $980,000 | $98,000 | $185,000 | $42,000 | $117,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 86 | $6,080,000 | $70,000 | $185,000 | $67,000 | $290,000 |
| Not applicable | 11 | $1,015,000 | $92,000 | $185,000 | $39,000 | $39,000 |
| Not Provided | 11 | $1,535,000 | $139,000 | $405,000 | $77,000 | $251,000 |
| Black or African American | 10 | $490,000 | $49,000 | $135,000 | $35,000 | $151,000 |
| Hispanic | 2 | $150,000 | $75,000 | $85,000 | $25,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 87 | $5,735,000 | $65,000 | $405,000 | $65,000 | $290,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,250,000 | $104,000 | $185,000 | $50,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,435,000 | $130,000 | $185,000 | $86,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $850,000 | $85,000 | $135,000 | $37,000 | $49,000 |
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 | 48 | $3,840,000 | $80,000 | $405,000 | $75,000 | $251,000 |
| Application Denied By Financial Institution | 45 | $3,185,000 | $70,000 | $185,000 | $52,000 | $279,000 |
| Application Withdrawn By Applicant | 10 | $740,000 | $74,000 | $135,000 | $60,000 | $115,000 |
| Loan Purchased By The Institution | 10 | $970,000 | $97,000 | $185,000 | $39,000 | $39,000 |
| File Closed For Incompleteness | 4 | $310,000 | $77,000 | $125,000 | $28,000 | $49,000 |
| Application Approved But Not Accepted | 3 | $225,000 | $75,000 | $125,000 | $133,000 | $290,000 |
| 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 | 66 | $5,360,000 | $81,000 | $405,000 | $73,000 | $290,000 |
| Credit History | 20 | $1,030,000 | $51,000 | $175,000 | $42,000 | $120,000 |
| Debt-To-Income Ratio | 19 | $1,655,000 | $87,000 | $185,000 | $57,000 | $115,000 |
| Collateral | 8 | $700,000 | $87,000 | $185,000 | $92,000 | $279,000 |
| Other | 3 | $295,000 | $98,000 | $185,000 | $34,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $110,000 | $55,000 | $55,000 | $19,000 | $21,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $91,000 | $91,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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