Apex Bank Mortgage Lending & HMDA Data, 2012
In 2012, Apex Bank of Camden, TN reported 554 mortgage applications totaling $64.6 million, up 794% from 2011. The average application was for $116,640, and applicants reported an average income of $54,328. 21% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (40), San Antonio-New Braunfels, TX (24) and Nashville-Davidson--Murfreesboro--Franklin, TN (15) (applications in parentheses).
| Mortgage Company & Address | Apex Bank 102 E Main St Camden, TN 38320 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 554 |
| Total Mortgage Loan Application Amount | $64,619,000 |
| Average Mortgage Loan Application Amount | $116,640 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $54,328 |
| Highest Applicant Income | $419,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Apex Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 40 | $ 3,226,000 | $ 80,650 | $ 63,000 |
| San Antonio-New Braunfels, TX | 24 | $ 2,004,000 | $ 83,500 | $ 58,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 15 | $ 1,248,000 | $ 83,200 | $ 40,000 |
| Dallas-Plano-Irving, TX | 14 | $ 961,000 | $ 68,642 | $ 58,000 |
| Greeley, CO | 13 | $ 1,544,000 | $ 118,769 | $ 47,000 |
| Chicago-Joliet-Naperville, IL | 12 | $ 1,905,000 | $ 158,750 | $ 75,000 |
| Fort Worth-Arlington, TX | 12 | $ 1,149,000 | $ 95,750 | $ 54,000 |
| Denver-Aurora-Broomfield, CO | 11 | $ 2,964,000 | $ 269,454 | $ 86,000 |
| Oklahoma City, OK | 11 | $ 688,000 | $ 62,545 | $ 42,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 616,000 | $ 68,444 | $ 22,000 |
| Tulsa, OK | 8 | $ 411,000 | $ 51,375 | $ 57,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 7 | $ 929,000 | $ 132,714 | $ 22,000 |
| Knoxville, TN | 7 | $ 1,296,000 | $ 185,142 | $ 95,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 1,276,000 | $ 182,285 | $ 56,285 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 312,000 | $ 52,000 | $ 52,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,038,000 | $ 207,600 | $ 57,000 |
| Kansas City, MO-KS | 5 | $ 808,000 | $ 161,600 | $ 81,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 499,000 | $ 99,800 | $ 35,000 |
| New York-White Plains-Wayne, NY-NJ | 5 | $ 1,055,000 | $ 211,000 | $ 73,200 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 2,134,000 | $ 426,800 | $ 115,800 |
| Colorado Springs, CO | 4 | $ 836,000 | $ 209,000 | $ 67,000 |
| Gainesville, FL | 4 | $ 236,000 | $ 59,000 | $ 34,000 |
| Greensboro-High Point, NC | 4 | $ 338,000 | $ 84,500 | $ 24,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 616,000 | $ 154,000 | $ 42,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 652,000 | $ 163,000 | $ 99,000 |
| Phoenix-Mesa-Glendale, AZ | 4 | $ 581,000 | $ 145,250 | $ 24,000 |
| St. Louis, MO-IL | 4 | $ 392,000 | $ 98,000 | $ 27,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,779,000 | $ 444,750 | $ 58,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 1,122,000 | $ 374,000 | $ 178,000 |
| Bakersfield-Delano, CA | 3 | $ 158,000 | $ 52,666 | $ 12,000 |
| Beaumont-Port Arthur, TX | 3 | $ 155,000 | $ 51,666 | $ 48,000 |
| Charleston, WV | 3 | $ 242,000 | $ 80,666 | $ 61,000 |
| El Paso, TX | 3 | $ 150,000 | $ 50,000 | $ 47,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 658,000 | $ 219,333 | $ 49,000 |
| Jacksonville, FL | 3 | $ 465,000 | $ 155,000 | $ 13,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 564,000 | $ 188,000 | $ 67,000 |
| Memphis, TN-MS-AR | 3 | $ 686,000 | $ 228,666 | $ 29,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 301,000 | $ 100,333 | $ 0 |
| Raleigh-Cary, NC | 3 | $ 466,000 | $ 155,333 | $ 44,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 634,000 | $ 211,333 | $ 53,000 |
| Tacoma, WA | 3 | $ 417,000 | $ 139,000 | $ 55,000 |
| Wilmington, NC | 3 | $ 209,000 | $ 69,666 | $ 154,000 |
| Asheville, NC | 2 | $ 162,000 | $ 81,000 | $ 50,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 181,000 | $ 90,500 | $ 82,000 |
| Baltimore-Towson, MD | 2 | $ 555,000 | $ 277,500 | $ 118,000 |
| Brownsville-Harlingen, TX | 2 | $ 183,000 | $ 91,500 | $ 38,000 |
| Burlington, NC | 2 | $ 149,000 | $ 74,500 | $ 51,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 75,000 | $ 37,500 | $ 16,000 |
| Cleveland, TN | 2 | $ 172,000 | $ 86,000 | $ 16,000 |
| Fort Collins-Loveland, CO | 2 | $ 391,000 | $ 195,500 | $ 40,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 218,000 | $ 109,000 | $ 50,000 |
| Jackson, TN | 2 | $ 351,000 | $ 175,500 | $ 156,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 602,000 | $ 301,000 | $ 115,000 |
| Ogden-Clearfield, UT | 2 | $ 566,000 | $ 283,000 | $ 236,000 |
| Philadelphia, PA | 2 | $ 132,000 | $ 66,000 | $ 25,000 |
| Provo-Orem, UT | 2 | $ 804,000 | $ 402,000 | $ 98,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 74,000 | $ 37,000 | $ 0 |
| Spartanburg, SC | 2 | $ 153,000 | $ 76,500 | $ 15,000 |
| Bay City, MI | 1 | $ 81,000 | $ 81,000 | $ 35,000 |
| Champaign-Urbana, IL | 1 | $ 372,000 | $ 372,000 | $ 99,000 |
| Chattanooga, TN-GA | 1 | $ 50,000 | $ 50,000 | $ 90,000 |
| Cheyenne, WY | 1 | $ 285,000 | $ 285,000 | $ 165,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 122,000 | $ 122,000 | $ 27,000 |
| College Station-Bryan, TX | 1 | $ 99,000 | $ 99,000 | $ 68,000 |
| Des Moines-West Des Moines, IA | 1 | $ 143,000 | $ 143,000 | $ 46,000 |
| Edison-New Brunswick, NJ | 1 | $ 101,000 | $ 101,000 | $ 78,000 |
| Fresno, CA | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Gary, IN | 1 | $ 104,000 | $ 104,000 | $ 65,000 |
| Goldsboro, NC | 1 | $ 25,000 | $ 25,000 | $ 21,000 |
| Grand Junction, CO | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Greenville, NC | 1 | $ 44,000 | $ 44,000 | $ 29,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 68,000 | $ 68,000 | $ 43,000 |
| Harrisonburg, VA | 1 | $ 139,000 | $ 139,000 | $ 90,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 56,000 | $ 56,000 | $ 52,000 |
| Idaho Falls, ID | 1 | $ 41,000 | $ 41,000 | $ 28,000 |
| Indianapolis-Carmel, IN | 1 | $ 87,000 | $ 87,000 | $ 36,000 |
| Jackson, MS | 1 | $ 38,000 | $ 38,000 | $ 70,000 |
| Johnson City, TN | 1 | $ 59,000 | $ 59,000 | $ 26,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 111,000 | $ 111,000 | $ 36,000 |
| Lakeland-Winter Haven, FL | 1 | $ 20,000 | $ 20,000 | $ 32,000 |
| Laredo, TX | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Lawton, OK | 1 | $ 34,000 | $ 34,000 | $ 22,000 |
| Madera-Chowchilla, CA | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 110,000 | $ 110,000 | $ 67,000 |
| Medford, OR | 1 | $ 54,000 | $ 54,000 | $ 36,000 |
| Muncie, IN | 1 | $ 26,000 | $ 26,000 | $ 35,000 |
| Newark-Union, NJ-PA | 1 | $ 222,000 | $ 222,000 | $ 83,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 5,000 | $ 5,000 | $ 27,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 157,000 | $ 157,000 | $ 58,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 14,000 | $ 14,000 | $ 40,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 80,000 | $ 80,000 | $ 35,000 |
| Pueblo, CO | 1 | $ 86,000 | $ 86,000 | $ 27,000 |
| Rocky Mount, NC | 1 | $ 92,000 | $ 92,000 | $ 22,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 1 | $ 50,000 | $ 50,000 | $ 51,000 |
| Salt Lake City, UT | 1 | $ 126,000 | $ 126,000 | $ 0 |
| San Angelo, TX | 1 | $ 44,000 | $ 44,000 | $ 54,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 132,000 | $ 132,000 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 422,000 | $ 422,000 | $ 117,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 139,000 | $ 139,000 | $ 128,000 |
| Stockton, CA | 1 | $ 888,000 | $ 888,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Waco, TX | 1 | $ 39,000 | $ 39,000 | $ 30,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 134,000 | $ 134,000 | $ 60,000 |
| Winston-Salem, NC | 1 | $ 236,000 | $ 236,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for Apex Bank in 2012
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 | 363 | $39,739,000 | $109,000 | $1,391,000 | $50,000 | $419,000 |
| Home Purchase | 168 | $23,818,000 | $141,000 | $1,900,000 | $64,000 | $383,000 |
| Home Improvement | 23 | $1,062,000 | $46,000 | $155,000 | $52,000 | $170,000 |
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 | 318 | $35,092,000 | $110,000 | $873,000 | $61,000 | $383,000 |
| Not applicable | 120 | $17,890,000 | $149,000 | $1,900,000 | $35,000 | $384,000 |
| Black or African American | 68 | $6,983,000 | $102,000 | $869,000 | $56,000 | $384,000 |
| Hispanic | 37 | $3,509,000 | $94,000 | $443,000 | $49,000 | $162,000 |
| Asian | 4 | $457,000 | $114,000 | $188,000 | $60,000 | $94,000 |
| Not Provided | 3 | $315,000 | $105,000 | $125,000 | $183,000 | $419,000 |
| American Indian or Alaskan Native | 2 | $96,000 | $48,000 | $73,000 | $29,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $277,000 | $138,000 | $254,000 | $11,000 | $22,000 |
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) | 539 | $62,985,000 | $116,000 | $1,900,000 | $55,000 | $419,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,119,000 | $124,000 | $222,000 | $52,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $364,000 | $72,000 | $92,000 | $33,000 | $48,000 |
| VA-guaranteed (Veterans Administration) | 1 | $151,000 | $151,000 | $151,000 | $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 Purchased By The Institution | 422 | $52,449,000 | $124,000 | $1,400,000 | $54,000 | $419,000 |
| Loan Originated | 116 | $11,110,000 | $95,000 | $1,900,000 | $61,000 | $383,000 |
| Application Denied By Financial Institution | 8 | $481,000 | $60,000 | $275,000 | $37,000 | $92,000 |
| Application Withdrawn By Applicant | 6 | $386,000 | $64,000 | $92,000 | $30,000 | $48,000 |
| Application Approved But Not Accepted | 2 | $193,000 | $96,000 | $105,000 | $48,000 | $52,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $411,000 | $58,000 | $275,000 | $37,000 | $92,000 |
| Debt-To-Income Ratio | 1 | $70,000 | $70,000 | $70,000 | $38,000 | $38,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Apex Bank's 2012 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 Apex Bank'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.
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