Capitalmark Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Capitalmark Bank & Trust of Chattanooga, TN reported 182 mortgage applications totaling $49.9 million, down 1% from 2013. The average application was for $273,928, and applicants reported an average income of $141,439. 87% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chattanooga, TN-GA (116), Knoxville, TN (27) and Cleveland, TN (13) (applications in parentheses).
| Mortgage Company & Address | Capitalmark Bank & Trust 801 Broad Street Chattanooga, TN 37402 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 182 |
| Total Mortgage Loan Application Amount | $49,855,000 |
| Average Mortgage Loan Application Amount | $273,928 |
| Highest Mortgage Loan Application Amount | $2,929,000 |
| Average Applicant Income | $141,439 |
| Highest Applicant Income | $1,791,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capitalmark Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton, Tennessee | 107 | $ 29,636,000 | $ 276,971 | $ 130,000 |
| Knox, Tennessee | 14 | $ 3,531,000 | $ 252,214 | $ 132,000 |
| Bradley, Tennessee | 12 | $ 2,418,000 | $ 201,500 | $ 139,000 |
| Sevier, Tennessee | 6 | $ 933,000 | $ 155,500 | $ 89,000 |
| Catoosa, Georgia | 4 | $ 815,000 | $ 203,750 | $ 82,000 |
| Walker, Georgia | 4 | $ 504,000 | $ 126,000 | $ 63,000 |
| Blount, Tennessee | 4 | $ 1,393,000 | $ 348,250 | $ 473,000 |
| Roane, Tennessee | 4 | $ 2,951,000 | $ 737,750 | $ 62,000 |
| Anderson, Tennessee | 3 | $ 825,000 | $ 275,000 | $ 325,000 |
| Jackson, Alabama | 2 | $ 320,000 | $ 160,000 | $ 422,000 |
| Jefferson, Tennessee | 2 | $ 286,000 | $ 143,000 | $ 36,000 |
| Loudon, Tennessee | 2 | $ 500,000 | $ 250,000 | $ 57,000 |
| Dallas, Texas | 2 | $ 456,000 | $ 228,000 | $ 349,000 |
| Baldwin, Alabama | 1 | $ 571,000 | $ 571,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 207,000 | $ 207,000 | $ 300,000 |
| Humboldt, California | 1 | $ 280,000 | $ 280,000 | $ 226,000 |
| Walton, Florida | 1 | $ 850,000 | $ 850,000 | $ 0 |
| Dade, Georgia | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Fulton, Georgia | 1 | $ 340,000 | $ 340,000 | $ 813,000 |
| Wake, North Carolina | 1 | $ 46,000 | $ 46,000 | $ 64,000 |
| Carter, Oklahoma | 1 | $ 239,000 | $ 239,000 | $ 196,000 |
| Charleston, South Carolina | 1 | $ 600,000 | $ 600,000 | $ 130,000 |
| Davidson, Tennessee | 1 | $ 340,000 | $ 340,000 | $ 368,000 |
| McMinn, Tennessee | 1 | $ 300,000 | $ 300,000 | $ 196,000 |
| Polk, Tennessee | 1 | $ 31,000 | $ 31,000 | $ 76,000 |
| Rhea, Tennessee | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Rutherford, Tennessee | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Williamson, Tennessee | 1 | $ 328,000 | $ 328,000 | $ 0 |
Mortgage Loan Application Detail Totals for Capitalmark Bank & Trust in 2014
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 | 103 | $29,580,000 | $287,000 | $2,929,000 | $132,000 | $989,000 |
| Refinancing | 65 | $19,296,000 | $296,000 | $1,785,000 | $158,000 | $1,791,000 |
| Home Improvement | 14 | $979,000 | $69,000 | $175,000 | $134,000 | $403,000 |
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 | 123 | $25,283,000 | $205,000 | $1,400,000 | $176,000 | $1,791,000 |
| Not applicable | 46 | $20,696,000 | $449,000 | $2,929,000 | $0 | $0 |
| Asian | 6 | $1,609,000 | $268,000 | $506,000 | $237,000 | $813,000 |
| Not Provided | 5 | $1,751,000 | $350,000 | $650,000 | $463,000 | $1,680,000 |
| Black or African American | 1 | $408,000 | $408,000 | $408,000 | $116,000 | $116,000 |
| Hispanic | 1 | $108,000 | $108,000 | $108,000 | $272,000 | $272,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 181 | $49,752,000 | $274,000 | $2,929,000 | $142,000 | $1,791,000 |
| VA-guaranteed (Veterans Administration) | 1 | $103,000 | $103,000 | $103,000 | $92,000 | $92,000 |
| 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 | 158 | $44,425,000 | $281,000 | $2,929,000 | $137,000 | $1,791,000 |
| Application Denied By Financial Institution | 10 | $2,503,000 | $250,000 | $506,000 | $133,000 | $323,000 |
| Application Withdrawn By Applicant | 9 | $1,636,000 | $181,000 | $396,000 | $75,000 | $120,000 |
| Application Approved But Not Accepted | 5 | $1,291,000 | $258,000 | $650,000 | $408,000 | $1,680,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 3 | $1,134,000 | $378,000 | $506,000 | $216,000 | $323,000 |
| Credit Application Incomplete | 2 | $625,000 | $312,000 | $372,000 | $134,000 | $173,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $300,000 | $150,000 | $250,000 | $108,000 | $155,000 |
| Unverifiable Information | 1 | $204,000 | $204,000 | $204,000 | $112,000 | $112,000 |
| Credit History | 1 | $132,000 | $132,000 | $132,000 | $28,000 | $28,000 |
| Debt-To-Income Ratio | 1 | $108,000 | $108,000 | $108,000 | $60,000 | $60,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitalmark Bank & Trust's 2014 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 Capitalmark Bank & Trust'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.
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