Capitalmark Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Capitalmark Bank & Trust of Chattanooga, TN reported 253 mortgage applications totaling $64.7 million, up 51% from 2008. The average application was for $255,640, and applicants reported an average income of $160,462. 65% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Chattanooga, TN-GA (183), Knoxville, TN (35) and Cleveland, TN (4) (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 | 253 |
| Total Mortgage Loan Application Amount | $64,677,000 |
| Average Mortgage Loan Application Amount | $255,640 |
| Highest Mortgage Loan Application Amount | $1,944,000 |
| Average Applicant Income | $160,462 |
| Highest Applicant Income | $1,580,000 |
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(HMDA) records Capitalmark Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chattanooga, TN-GA | 183 | $ 44,203,000 | $ 241,546 | $ 144,606 |
| Knoxville, TN | 35 | $ 9,149,000 | $ 261,400 | $ 154,000 |
| Cleveland, TN | 4 | $ 602,000 | $ 150,500 | $ 105,000 |
| Memphis, TN-MS-AR | 3 | $ 766,000 | $ 255,333 | $ 427,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 697,000 | $ 348,500 | $ 297,000 |
| Reno-Sparks, NV | 2 | $ 1,458,000 | $ 729,000 | $ 523,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 127,000 | $ 127,000 | $ 92,000 |
| Brunswick, GA | 1 | $ 1,944,000 | $ 1,944,000 | $ 528,000 |
| Dalton, GA | 1 | $ 417,000 | $ 417,000 | $ 138,000 |
| Durham-Chapel Hill, NC | 1 | $ 1,000,000 | $ 1,000,000 | $ 246,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 417,000 | $ 417,000 | $ 271,000 |
| Montgomery, AL | 1 | $ 417,000 | $ 417,000 | $ 580,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 251,000 | $ 251,000 | $ 205,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 891,000 |
| Philadelphia, PA | 1 | $ 237,000 | $ 237,000 | $ 92,000 |
| Raleigh-Cary, NC | 1 | $ 50,000 | $ 50,000 | $ 186,000 |
| Sebastian-Vero Beach, FL | 1 | $ 312,000 | $ 312,000 | $ 408,000 |
| Wilmington, NC | 1 | $ 52,000 | $ 52,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for Capitalmark Bank & Trust in 2009
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 | 174 | $49,546,000 | $284,000 | $1,944,000 | $168,000 | $1,580,000 |
| Home Purchase | 74 | $14,671,000 | $198,000 | $1,017,000 | $150,000 | $1,452,000 |
| Home Improvement | 5 | $460,000 | $92,000 | $251,000 | $53,000 | $92,000 |
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 | 233 | $60,586,000 | $260,000 | $1,944,000 | $168,000 | $1,580,000 |
| Not applicable | 11 | $1,211,000 | $110,000 | $200,000 | $22,000 | $159,000 |
| Hispanic | 4 | $1,768,000 | $442,000 | $1,000,000 | $198,000 | $415,000 |
| Asian | 3 | $908,000 | $302,000 | $417,000 | $90,000 | $138,000 |
| Black or African American | 1 | $110,000 | $110,000 | $110,000 | $94,000 | $94,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $94,000 | $94,000 | $94,000 | $99,000 | $99,000 |
| Not Provided | 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) | 227 | $60,582,000 | $266,000 | $1,944,000 | $171,000 | $1,580,000 |
| FHA-insured (Federal Housing Administration) | 26 | $4,095,000 | $157,000 | $279,000 | $75,000 | $252,000 |
| 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 | 165 | $40,182,000 | $243,000 | $1,315,000 | $173,000 | $1,580,000 |
| Application Withdrawn By Applicant | 56 | $15,733,000 | $280,000 | $1,390,000 | $152,000 | $1,020,000 |
| Application Denied By Financial Institution | 26 | $7,282,000 | $280,000 | $1,944,000 | $119,000 | $528,000 |
| File Closed For Incompleteness | 3 | $858,000 | $286,000 | $360,000 | $124,000 | $148,000 |
| Application Approved But Not Accepted | 1 | $315,000 | $315,000 | $315,000 | $115,000 | $115,000 |
| Preapproval Approved but not Accepted | 1 | $145,000 | $145,000 | $145,000 | $45,000 | $45,000 |
| Preapproval Denied by Financial Institution | 1 | $162,000 | $162,000 | $162,000 | $56,000 | $56,000 |
| 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 | 7 | $987,000 | $141,000 | $238,000 | $68,000 | $189,000 |
| Debt-To-Income Ratio | 7 | $1,515,000 | $216,000 | $417,000 | $63,000 | $102,000 |
| Collateral | 5 | $1,945,000 | $389,000 | $686,000 | $166,000 | $408,000 |
| Employment History | 2 | $566,000 | $283,000 | $302,000 | $146,000 | $204,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $147,000 | $147,000 | $147,000 | $225,000 | $225,000 |
| Other | 1 | $1,944,000 | $1,944,000 | $1,944,000 | $528,000 | $528,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Capitalmark Bank & Trust's 2009 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.
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with aggregated HMDA statistics today.
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