Ascend Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Ascend Federal Credit Union 2021 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 | 3,510 |
| Total Mortgage Loan Application Amount | $603,060,000 |
| Average Mortgage Loan Application Amount | $192,000 |
| Highest Mortgage Loan Application Amount | $1,605,000 |
| Average Applicant Income | $92,333 |
| Highest Applicant Income | $1,280,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rutherford County Tennessee | 966 | $ 167,240,000 | $ 173,000 | $ 98,000 |
| Davidson County Tennessee | 487 | $ 86,385,000 | $ 177,000 | $ 93,000 |
| Coffee County Tennessee | 331 | $ 47,215,000 | $ 142,000 | $ 78,000 |
| Franklin County Tennessee | 241 | $ 34,745,000 | $ 144,000 | $ 84,000 |
| Williamson County Tennessee | 206 | $ 57,310,000 | $ 278,000 | $ 155,000 |
| Maury County Tennessee | 184 | $ 28,830,000 | $ 156,000 | $ 84,000 |
| Bedford County Tennessee | 162 | $ 23,270,000 | $ 143,000 | $ 75,000 |
| Sumner County Tennessee | 132 | $ 24,380,000 | $ 184,000 | $ 112,000 |
| Wilson County Tennessee | 124 | $ 23,380,000 | $ 188,000 | $ 105,000 |
| Marshall County Tennessee | 94 | $ 12,750,000 | $ 135,000 | $ 71,000 |
| Dickson County Tennessee | 58 | $ 10,180,000 | $ 175,000 | $ 78,000 |
| Warren County Tennessee | 58 | $ 7,450,000 | $ 128,000 | $ 66,000 |
| Moore County Tennessee | 46 | $ 6,430,000 | $ 139,000 | $ 81,000 |
| Montgomery County Tennessee | 40 | $ 7,370,000 | $ 184,000 | $ 65,000 |
| Cheatham County Tennessee | 39 | $ 7,155,000 | $ 183,000 | $ 84,000 |
| Robertson County Tennessee | 33 | $ 6,725,000 | $ 203,000 | $ 75,000 |
| Cannon County Tennessee | 24 | $ 3,450,000 | $ 143,000 | $ 65,000 |
| Putnam County Tennessee | 23 | $ 2,665,000 | $ 115,000 | $ 103,000 |
| Lawrence County Tennessee | 21 | $ 3,615,000 | $ 172,000 | $ 72,000 |
| Hickman County Tennessee | 18 | $ 2,340,000 | $ 130,000 | $ 60,000 |
| Giles County Tennessee | 16 | $ 2,140,000 | $ 133,000 | $ 59,000 |
| Lincoln County Tennessee | 15 | $ 2,695,000 | $ 179,000 | $ 107,000 |
| DeKalb County Tennessee | 12 | $ 1,550,000 | $ 129,000 | $ 61,000 |
| Hamilton County Tennessee | 12 | $ 2,670,000 | $ 222,000 | $ 177,000 |
| Grundy County Tennessee | 11 | $ 1,155,000 | $ 105,000 | $ 58,000 |
| White County Tennessee | 10 | $ 1,150,000 | $ 115,000 | $ 70,000 |
| Cumberland County Tennessee | 9 | $ 1,545,000 | $ 171,000 | $ 133,000 |
| Lewis County Tennessee | 7 | $ 1,425,000 | $ 203,000 | $ 83,000 |
| Trousdale County Tennessee | 7 | $ 1,365,000 | $ 195,000 | $ 56,000 |
| Overton County Tennessee | 6 | $ 830,000 | $ 138,000 | $ 68,000 |
| Bay County Florida | 5 | $ 745,000 | $ 149,000 | $ 126,000 |
| Warren County Kentucky | 5 | $ 835,000 | $ 167,000 | $ 103,000 |
| Humphreys County Tennessee | 5 | $ 755,000 | $ 151,000 | $ 71,000 |
| Macon County Tennessee | 5 | $ 705,000 | $ 141,000 | $ 90,000 |
| Marion County Tennessee | 4 | $ 600,000 | $ 150,000 | $ 61,000 |
| Smith County Tennessee | 4 | $ 520,000 | $ 130,000 | $ 59,000 |
| Van Buren County Tennessee | 4 | $ 710,000 | $ 177,000 | $ 75,000 |
| Wayne County Tennessee | 4 | $ 380,000 | $ 95,000 | $ 80,000 |
| Madison County Alabama | 3 | $ 615,000 | $ 205,000 | $ 115,000 |
| Bradley County Tennessee | 3 | $ 495,000 | $ 165,000 | $ 78,000 |
| Gibson County Tennessee | 3 | $ 605,000 | $ 201,000 | $ 69,000 |
| Knox County Tennessee | 3 | $ 565,000 | $ 188,000 | $ 160,000 |
| Shelby County Tennessee | 3 | $ 405,000 | $ 135,000 | $ 81,000 |
| Cullman County Alabama | 2 | $ 310,000 | $ 155,000 | $ 82,000 |
| Jackson County Alabama | 2 | $ 410,000 | $ 205,000 | $ 147,000 |
| Charlotte County Florida | 2 | $ 200,000 | $ 100,000 | $ 29,000 |
| Cherokee County Georgia | 2 | $ 540,000 | $ 270,000 | $ 153,000 |
| Fulton County Georgia | 2 | $ 430,000 | $ 215,000 | $ 114,000 |
| Gwinnett County Georgia | 2 | $ 730,000 | $ 365,000 | $ 211,000 |
| Hardin County Tennessee | 2 | $ 190,000 | $ 95,000 | $ 72,000 |
| Henry County Tennessee | 2 | $ 610,000 | $ 305,000 | $ 154,000 |
| Jackson County Tennessee | 2 | $ 160,000 | $ 80,000 | $ 43,000 |
| Loudon County Tennessee | 2 | $ 300,000 | $ 150,000 | $ 153,000 |
| Madison County Tennessee | 2 | $ 210,000 | $ 105,000 | $ 33,000 |
| Sevier County Tennessee | 2 | $ 710,000 | $ 355,000 | $ 190,000 |
| Baldwin County Alabama | 1 | $ 255,000 | $ 255,000 | $ 165,000 |
| Escambia County Alabama | 1 | $ 115,000 | $ 115,000 | $ 83,000 |
| Marion County Alabama | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Montgomery County Alabama | 1 | $ 425,000 | $ 425,000 | $ 46,000 |
| Winston County Alabama | 1 | $ 475,000 | $ 475,000 | $ 260,000 |
| Duval County Florida | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Lee County Florida | 1 | $ 455,000 | $ 455,000 | $ 170,000 |
| Manatee County Florida | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Okaloosa County Florida | 1 | $ 175,000 | $ 175,000 | $ 133,000 |
| Orange County Florida | 1 | $ 375,000 | $ 375,000 | $ 123,000 |
| Santa Rosa County Florida | 1 | $ 295,000 | $ 295,000 | $ 71,000 |
| Walton County Florida | 1 | $ 1,415,000 | $ 1,415,000 | $ 359,000 |
| Bibb County Georgia | 1 | $ 235,000 | $ 235,000 | $ 108,000 |
| Catoosa County Georgia | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Chatham County Georgia | 1 | $ 545,000 | $ 545,000 | $ 241,000 |
| Cobb County Georgia | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Coweta County Georgia | 1 | $ 335,000 | $ 335,000 | $ 146,000 |
| Paulding County Georgia | 1 | $ 285,000 | $ 285,000 | $ 43,000 |
| Quitman County Georgia | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Bullitt County Kentucky | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Madison County Kentucky | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| McCracken County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Trigg County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Lafayette County Mississippi | 1 | $ 225,000 | $ 225,000 | $ 25,000 |
| Benton County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Blount County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Campbell County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 133,000 |
| Carroll County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Clay County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Decatur County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 91,000 |
| Fayette County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 99,000 |
| Fentress County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Greene County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 27,000 |
| Hardeman County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Hawkins County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 150,000 |
| Houston County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Monroe County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 168,000 |
| Obion County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Perry County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Pickett County Tennessee | 1 | $ 435,000 | $ 435,000 | $ 146,000 |
| Rhea County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 148,000 |
| Sullivan County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 132,000 |
| Washington County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 207,000 |
Mortgage Loan Application Detail Totals for Ascend Federal Credit Union in 2021
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 1,951 | $263,705,000 | $135,000 | $1,605,000 | $95,000 | $1,280,000 |
| Refinancing | 905 | $181,155,000 | $200,000 | $1,505,000 | $94,000 | $685,000 |
| Home Purchase | 654 | $158,200,000 | $241,000 | $1,535,000 | $88,000 | $1,193,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 2,526 | $427,910,000 | $169,000 | $1,535,000 | $93,000 | $1,193,000 |
| Not Provided | 473 | $81,775,000 | $172,000 | $1,605,000 | $107,000 | $1,280,000 |
| Black or African American | 329 | $55,105,000 | $167,000 | $715,000 | $75,000 | $624,000 |
| Hispanic | 100 | $18,840,000 | $188,000 | $1,435,000 | $93,000 | $464,000 |
| Asian | 56 | $11,610,000 | $207,000 | $685,000 | $108,000 | $1,152,000 |
| Not applicable | 14 | $5,700,000 | $407,000 | $1,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,295,000 | $185,000 | $415,000 | $187,000 | $601,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $495,000 | $165,000 | $225,000 | $72,000 | $96,000 |
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) | 3,438 | $584,980,000 | $170,000 | $1,605,000 | $94,000 | $1,280,000 |
| VA-guaranteed (Veterans Administration) | 72 | $18,080,000 | $251,000 | $825,000 | $77,000 | $244,000 |
| 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 |
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 | 2,161 | $376,855,000 | $174,000 | $1,605,000 | $96,000 | $925,000 |
| Application Withdrawn By Applicant | 758 | $133,790,000 | $176,000 | $1,605,000 | $101,000 | $1,280,000 |
| Application Denied By Financial Institution | 461 | $72,515,000 | $157,000 | $1,295,000 | $73,000 | $817,000 |
| File Closed For Incompleteness | 103 | $16,745,000 | $162,000 | $705,000 | $88,000 | $347,000 |
| Application Approved But Not Accepted | 27 | $3,155,000 | $116,000 | $345,000 | $65,000 | $210,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3,049 | $530,545,000 | $174,000 | $1,605,000 | $96,000 | $1,280,000 |
| Credit History | 182 | $26,670,000 | $146,000 | $935,000 | $86,000 | $817,000 |
| Debt-To-Income Ratio | 177 | $31,275,000 | $176,000 | $1,295,000 | $52,000 | $308,000 |
| Collateral | 50 | $6,580,000 | $131,000 | $425,000 | $80,000 | $207,000 |
| Other | 21 | $3,585,000 | $170,000 | $635,000 | $129,000 | $480,000 |
| Employment History | 18 | $1,860,000 | $103,000 | $255,000 | $70,000 | $253,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,625,000 | $180,000 | $315,000 | $64,000 | $100,000 |
| Credit Application Incomplete | 3 | $615,000 | $205,000 | $285,000 | $110,000 | $164,000 |
| Unverifiable Information | 1 | $305,000 | $305,000 | $305,000 | $102,000 | $102,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ascend Federal Credit Union's 2021 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.