Capitalmark Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Capitalmark Bank & Trust of Chattanooga, TN reported 122 mortgage applications totaling $35.6 million, down 52% from 2009. The average application was for $291,991, and applicants reported an average income of $111,581. 61% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Chattanooga, TN-GA (96), Knoxville, TN (18) and Cleveland, TN (2) (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 | 122 |
| Total Mortgage Loan Application Amount | $35,623,000 |
| Average Mortgage Loan Application Amount | $291,991 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $111,581 |
| Highest Applicant Income | $680,000 |
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(HMDA) records Capitalmark Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 96 | $ 24,958,000 | $ 259,979 | $ 102,343 |
| Knoxville, TN | 18 | $ 8,177,000 | $ 454,277 | $ 160,000 |
| Cleveland, TN | 2 | $ 577,000 | $ 288,500 | $ 104,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 528,000 | $ 264,000 | $ 33,000 |
| Jacksonville, FL | 1 | $ 227,000 | $ 227,000 | $ 103,000 |
| Memphis, TN-MS-AR | 1 | $ 375,000 | $ 375,000 | $ 287,000 |
Mortgage Loan Application Detail Totals for Capitalmark Bank & Trust in 2010
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 | 98 | $28,739,000 | $293,000 | $1,300,000 | $102,000 | $680,000 |
| Home Purchase | 23 | $6,794,000 | $295,000 | $1,265,000 | $151,000 | $556,000 |
| Home Improvement | 1 | $90,000 | $90,000 | $90,000 | $144,000 | $144,000 |
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 | 66 | $20,932,000 | $317,000 | $1,300,000 | $159,000 | $680,000 |
| Not applicable | 40 | $8,052,000 | $201,000 | $719,000 | $0 | $0 |
| Not Provided | 13 | $5,697,000 | $438,000 | $1,200,000 | $164,000 | $556,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $152,000 | $152,000 |
| Asian | 1 | $400,000 | $400,000 | $400,000 | $366,000 | $366,000 |
| Hispanic | 1 | $417,000 | $417,000 | $417,000 | $532,000 | $532,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 116 | $34,597,000 | $298,000 | $1,300,000 | $115,000 | $680,000 |
| FHA-insured (Federal Housing Administration) | 6 | $1,026,000 | $171,000 | $272,000 | $48,000 | $91,000 |
| 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 | 75 | $19,117,000 | $254,000 | $1,300,000 | $88,000 | $640,000 |
| Application Denied By Financial Institution | 17 | $7,365,000 | $433,000 | $1,275,000 | $119,000 | $473,000 |
| Application Withdrawn By Applicant | 13 | $5,011,000 | $385,000 | $1,141,000 | $209,000 | $680,000 |
| File Closed For Incompleteness | 11 | $2,137,000 | $194,000 | $307,000 | $98,000 | $233,000 |
| Application Approved But Not Accepted | 6 | $1,993,000 | $332,000 | $417,000 | $200,000 | $366,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $3,841,000 | $480,000 | $1,275,000 | $106,000 | $295,000 |
| Debt-To-Income Ratio | 7 | $2,344,000 | $334,000 | $1,000,000 | $114,000 | $473,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $180,000 | $180,000 | $180,000 | $91,000 | $91,000 |
| Unverifiable Information | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $286,000 | $286,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 Capitalmark Bank & Trust's 2010 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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