Ascend Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Ascend Federal Credit Union 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Ascend Federal Credit Union 520 Airpark Drive Tullahoma, TN 37388 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,403 |
| Total Mortgage Loan Application Amount | $135,299,000 |
| Average Mortgage Loan Application Amount | $118,363 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $60,863 |
| Highest Applicant Income | $485,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Ascend Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ascend Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Ascend Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ascend Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Ascend Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ascend Federal Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Coffee County Tennessee | 355 | $ 30,507,000 | $ 85,000 | $ 61,000 |
| Rutherford County Tennessee | 219 | $ 23,549,000 | $ 107,000 | $ 44,000 |
| Franklin County Tennessee | 197 | $ 17,135,000 | $ 86,000 | $ 44,000 |
| Bedford County Tennessee | 132 | $ 11,582,000 | $ 87,000 | $ 41,000 |
| Davidson County Tennessee | 124 | $ 13,036,000 | $ 105,000 | $ 52,000 |
| Marshall County Tennessee | 47 | $ 4,123,000 | $ 87,000 | $ 46,000 |
| Moore County Tennessee | 36 | $ 3,026,000 | $ 84,000 | $ 44,000 |
| Warren County Tennessee | 26 | $ 1,907,000 | $ 73,000 | $ 38,000 |
| Williamson County Tennessee | 24 | $ 6,009,000 | $ 250,000 | $ 104,000 |
| Wilson County Tennessee | 21 | $ 2,194,000 | $ 104,000 | $ 59,000 |
| Grundy County Tennessee | 18 | $ 1,688,000 | $ 93,000 | $ 57,000 |
| Cannon County Tennessee | 15 | $ 818,000 | $ 54,000 | $ 37,000 |
| Sumner County Tennessee | 15 | $ 1,987,000 | $ 132,000 | $ 71,000 |
| Dickson County Tennessee | 12 | $ 1,255,000 | $ 104,000 | $ 68,000 |
| Cheatham County Tennessee | 10 | $ 839,000 | $ 83,000 | $ 47,000 |
| Maury County Tennessee | 10 | $ 782,000 | $ 78,000 | $ 62,000 |
| Hamilton County Tennessee | 8 | $ 964,000 | $ 120,000 | $ 47,000 |
| Lincoln County Tennessee | 8 | $ 782,000 | $ 97,000 | $ 58,000 |
| Knox County Tennessee | 7 | $ 610,000 | $ 87,000 | $ 51,000 |
| Madison County Alabama | 6 | $ 892,000 | $ 148,000 | $ 83,000 |
| Benton County Tennessee | 5 | $ 285,000 | $ 57,000 | $ 36,000 |
| Bradley County Tennessee | 5 | $ 649,000 | $ 129,000 | $ 93,000 |
| Putnam County Tennessee | 5 | $ 424,000 | $ 84,000 | $ 36,000 |
| Jackson County Alabama | 4 | $ 411,000 | $ 102,000 | $ 44,000 |
| Blount County Tennessee | 4 | $ 342,000 | $ 85,000 | $ 59,000 |
| Giles County Tennessee | 4 | $ 385,000 | $ 96,000 | $ 41,000 |
| Humphreys County Tennessee | 4 | $ 260,000 | $ 65,000 | $ 32,000 |
| Marion County Tennessee | 3 | $ 174,000 | $ 58,000 | $ 36,000 |
| Robertson County Tennessee | 3 | $ 359,000 | $ 119,000 | $ 70,000 |
| White County Tennessee | 3 | $ 389,000 | $ 129,000 | $ 133,000 |
| Catoosa County Georgia | 2 | $ 224,000 | $ 112,000 | $ 55,000 |
| Houston County Georgia | 2 | $ 307,000 | $ 153,000 | $ 48,000 |
| Owen County Kentucky | 2 | $ 240,000 | $ 120,000 | $ 39,000 |
| Cumberland County North Carolina | 2 | $ 420,000 | $ 210,000 | $ 92,000 |
| Richland County South Carolina | 2 | $ 154,000 | $ 77,000 | $ 46,000 |
| Bledsoe County Tennessee | 2 | $ 140,000 | $ 70,000 | $ 34,000 |
| Cocke County Tennessee | 2 | $ 167,000 | $ 83,000 | $ 19,000 |
| Cumberland County Tennessee | 2 | $ 181,000 | $ 90,000 | $ 43,000 |
| Fentress County Tennessee | 2 | $ 160,000 | $ 80,000 | $ 43,000 |
| Jefferson County Tennessee | 2 | $ 167,000 | $ 83,000 | $ 51,000 |
| Lawrence County Tennessee | 2 | $ 79,000 | $ 39,000 | $ 32,000 |
| Madison County Tennessee | 2 | $ 131,000 | $ 65,000 | $ 67,000 |
| Sevier County Tennessee | 2 | $ 166,000 | $ 83,000 | $ 22,000 |
| Bexar County Texas | 2 | $ 246,000 | $ 123,000 | $ 90,000 |
| Lauderdale County Alabama | 1 | $ 76,000 | $ 76,000 | $ 34,000 |
| Lee County Alabama | 1 | $ 111,000 | $ 111,000 | $ 132,000 |
| Morgan County Alabama | 1 | $ 47,000 | $ 47,000 | $ 36,000 |
| Clay County Florida | 1 | $ 200,000 | $ 200,000 | $ 73,000 |
| Duval County Florida | 1 | $ 92,000 | $ 92,000 | $ 40,000 |
| Escambia County Florida | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Indian River County Florida | 1 | $ 183,000 | $ 183,000 | $ 107,000 |
| Lee County Florida | 1 | $ 132,000 | $ 132,000 | $ 104,000 |
| Marion County Florida | 1 | $ 38,000 | $ 38,000 | $ 36,000 |
| Okaloosa County Florida | 1 | $ 100,000 | $ 100,000 | $ 32,000 |
| Floyd County Georgia | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Butler County Kentucky | 1 | $ 48,000 | $ 48,000 | $ 26,000 |
| Fayette County Kentucky | 1 | $ 250,000 | $ 250,000 | $ 50,000 |
| Jefferson County Kentucky | 1 | $ 162,000 | $ 162,000 | $ 132,000 |
| Warren County Kentucky | 1 | $ 182,000 | $ 182,000 | $ 103,000 |
| St. Mary's County Maryland | 1 | $ 260,000 | $ 260,000 | $ 85,000 |
| Norfolk County Massachusetts | 1 | $ 60,000 | $ 60,000 | $ 90,000 |
| Cape Girardeau County Missouri | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Rock County Nebraska | 1 | $ 41,000 | $ 41,000 | $ 25,000 |
| Burlington County New Jersey | 1 | $ 86,000 | $ 86,000 | $ 31,000 |
| Washington County New York | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Cherokee County North Carolina | 1 | $ 39,000 | $ 39,000 | $ 29,000 |
| Johnston County North Carolina | 1 | $ 154,000 | $ 154,000 | $ 159,000 |
| Mecklenburg County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 114,000 |
| Moore County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Fairfield County Ohio | 1 | $ 203,000 | $ 203,000 | $ 65,000 |
| Anderson County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 108,000 |
| Carroll County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Carter County Tennessee | 1 | $ 38,000 | $ 38,000 | $ 82,000 |
| DeKalb County Tennessee | 1 | $ 22,000 | $ 22,000 | $ 9,000 |
| Dyer County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| Fayette County Tennessee | 1 | $ 44,000 | $ 44,000 | $ 44,000 |
| Greene County Tennessee | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Hardin County Tennessee | 1 | $ 6,000 | $ 6,000 | $ 45,000 |
| Lewis County Tennessee | 1 | $ 47,000 | $ 47,000 | $ 48,000 |
| Macon County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 62,000 |
| McMinn County Tennessee | 1 | $ 107,000 | $ 107,000 | $ 57,000 |
| Montgomery County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 32,000 |
| Morgan County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Roane County Tennessee | 1 | $ 252,000 | $ 252,000 | $ 52,000 |
| Shelby County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 29,000 |
| Stewart County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Trousdale County Tennessee | 1 | $ 27,000 | $ 27,000 | $ 36,000 |
| Van Buren County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Hunt County Texas | 1 | $ 81,000 | $ 81,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Ascend Federal Credit Union in 2003
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 (home purchase or home improvement, one-to-four family) | 1,052 | $102,704,000 | $145,500 | $950,000 | $62,500 | $433,000 |
| Home Purchase (one-to-four family) | 351 | $32,595,000 | $85,800 | $560,000 | $58,900 | $485,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 1,318 | $127,228,000 | $120,866 | $950,000 | $61,466 | $485,000 |
| Black | 55 | $4,747,000 | $86,000 | $204,000 | $51,000 | $115,000 |
| Hispanic | 19 | $1,738,000 | $91,000 | $160,000 | $42,000 | $106,000 |
| Asian or Pacific Islander | 8 | $1,074,000 | $155,500 | $218,000 | $93,000 | $388,000 |
| American Indian or Alaskan Native | 2 | $332,000 | $166,000 | $170,000 | $51,000 | $72,000 |
| Other | 1 | $180,000 | $180,000 | $180,000 | $92,000 | $92,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 1,403 | $135,299,000 | $121,866 | $950,000 | $61,933 | $485,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 821 | $83,046,000 | $133,615 | $950,000 | $65,307 | $485,000 |
| Application Withdrawn By Applicant | 417 | $38,285,000 | $117,000 | $600,000 | $62,600 | $301,000 |
| Application Denied By Financial Institution | 156 | $13,120,000 | $77,000 | $204,000 | $36,000 | $108,000 |
| Application Approved But Not Accepted | 9 | $848,000 | $82,500 | $218,000 | $75,500 | $149,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 116 | $9,611,000 | $76,666 | $204,000 | $36,666 | $108,000 |
| Debt-To-Income Ratio | 25 | $2,266,000 | $90,000 | $144,000 | $33,000 | $68,000 |
| Other | 8 | $771,000 | $96,000 | $166,000 | $47,000 | $86,000 |
| Unverifiable Information | 3 | $188,000 | $62,000 | $100,000 | $18,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $193,000 | $96,000 | $110,000 | $38,000 | $45,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $27,000 | $27,000 |
| Collateral | 1 | $6,000 | $6,000 | $6,000 | $45,000 | $45,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ascend Federal Credit Union's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ascend Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.