Lake County, TN Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 133 mortgage applications in Lake County, TN totaling $12.7 million, down 25% from 2022. The average application was for $95,000, and applicants reported an average income of $75,000. 41% of applications resulted in an originated loan and 29% were denied. The most active lender was Regions Bank, with 31 applications, followed by Cadence Bank and Leaders Credit Union.
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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 | 133 |
| Total Mortgage Loan Application Amount | $12,695,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $710,000 |
| 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 |
* | $ 154,203,000,000 | 31 | $ 1,935,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 15 | $ 1,135,000 |
| Leaders Credit Union 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 872,464,000 | 14 | $ 810,000 |
| First Citizens National Bank NEWARK, OH 43055 |
* | $ 2,399,631,000 | 11 | $ 695,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 9 | $ 1,475,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 195,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 3 | $ 305,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 285,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 27,409,758,000 | 3 | $ 355,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 2 | $ 160,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 2 | $ 280,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 230,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 270,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 260,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 280,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 390,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 380,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 195,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 41,842,515,000 | 1 | $ 335,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 105,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,534,480,000 | 1 | $ 105,000 |
| Centennial Bank P.O. BOX 308 TREZEVANT, TN 38258 |
* | $ 647,593,000 | 1 | $ 35,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 255,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 65,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 135,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 55,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 135,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 3,868,571,000 | 1 | $ 55,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 135,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 55,000 |
| Knoxville Teachers FCU 711 N HALL OF FAME DR KNOXVILLE, TN 37917 |
* | $ 256,791,000 | 1 | $ 65,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 205,000 |
| Mortgage Financial Group Inc 1100 E ALFRED ST TAVARES, FL 32778 |
* | $ -1,000 | 1 | $ 115,000 |
| Security Bank 120 N MILL AVE DYERSBURG, TN 38024 |
* | $ 242,600,000 | 1 | $ 135,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 255,000 |
The tables below break down 2023 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 2023
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 | 71 | $8,625,000 | $121,000 | $335,000 | $66,000 | $710,000 |
| Home Improvement | 19 | $835,000 | $43,000 | $165,000 | $95,000 | $364,000 |
| Cash-out Refinancing | 15 | $1,775,000 | $118,000 | $275,000 | $82,000 | $189,000 |
| Refinancing | 15 | $915,000 | $61,000 | $205,000 | $77,000 | $266,000 |
| Other Purpose | 13 | $545,000 | $41,000 | $105,000 | $85,000 | $175,000 |
| 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 | 106 | $9,240,000 | $87,000 | $335,000 | $77,000 | $710,000 |
| Not Provided | 8 | $1,090,000 | $136,000 | $205,000 | $82,000 | $232,000 |
| Black or African American | 8 | $710,000 | $88,000 | $225,000 | $61,000 | $128,000 |
| Not applicable | 6 | $960,000 | $160,000 | $255,000 | $81,000 | $81,000 |
| Hispanic | 5 | $695,000 | $139,000 | $265,000 | $58,000 | $102,000 |
| 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) | 86 | $6,280,000 | $73,000 | $335,000 | $84,000 | $710,000 |
| FHA-insured (Federal Housing Administration) | 23 | $3,115,000 | $135,000 | $275,000 | $61,000 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,575,000 | $105,000 | $135,000 | $49,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,725,000 | $191,000 | $275,000 | $62,000 | $104,000 |
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 | 54 | $5,460,000 | $101,000 | $335,000 | $84,000 | $710,000 |
| Application Denied By Financial Institution | 38 | $2,480,000 | $65,000 | $205,000 | $70,000 | $266,000 |
| Application Withdrawn By Applicant | 19 | $2,285,000 | $120,000 | $255,000 | $74,000 | $232,000 |
| File Closed For Incompleteness | 11 | $1,145,000 | $104,000 | $165,000 | $63,000 | $161,000 |
| Loan Purchased By The Institution | 8 | $1,220,000 | $152,000 | $255,000 | $60,000 | $81,000 |
| Application Approved But Not Accepted | 3 | $105,000 | $35,000 | $95,000 | $56,000 | $99,000 |
| 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 | 93 | $10,045,000 | $108,000 | $335,000 | $78,000 | $710,000 |
| Credit History | 28 | $1,810,000 | $64,000 | $205,000 | $70,000 | $230,000 |
| Debt-To-Income Ratio | 7 | $565,000 | $80,000 | $165,000 | $44,000 | $104,000 |
| Collateral | 2 | $90,000 | $45,000 | $75,000 | $78,000 | $123,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $266,000 | $266,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $16,000 | $16,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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