Enrichment Federal Credit Unio Mortgage Lending & HMDA Data, 2021
In 2021, Enrichment Federal Credit Unio of Oak Ridge, TN reported 443 mortgage applications totaling $95.7 million, down 10% from 2020. The average application was for $215,993, and applicants reported an average income of $103,334. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Knoxville, TN (363), Cincinnati, OH-KY-IN (2) and Johnson City, TN (1) (applications in parentheses).
| Mortgage Company & Address | Enrichment Federal Credit Unio Po Box 883 Oak Ridge, TN 37831 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 443 |
| Total Mortgage Loan Application Amount | $95,685,000 |
| Average Mortgage Loan Application Amount | $215,993 |
| Highest Mortgage Loan Application Amount | $1,825,000 |
| Average Applicant Income | $103,334 |
| Highest Applicant Income | $1,390,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Enrichment Federal Credit Unio filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Knox, Tennessee | 126 | $ 36,370,000 | $ 288,650 | $ 130,000 |
| Roane, Tennessee | 92 | $ 17,620,000 | $ 191,521 | $ 96,000 |
| Anderson, Tennessee | 86 | $ 13,640,000 | $ 158,604 | $ 77,000 |
| Claiborne, Tennessee | 48 | $ 6,850,000 | $ 142,708 | $ 78,000 |
| Morgan, Tennessee | 19 | $ 3,075,000 | $ 161,842 | $ 98,000 |
| Loudon, Tennessee | 13 | $ 4,065,000 | $ 312,692 | $ 155,000 |
| Blount, Tennessee | 10 | $ 3,370,000 | $ 337,000 | $ 156,000 |
| Sevier, Tennessee | 10 | $ 1,770,000 | $ 177,000 | $ 56,000 |
| Monroe, Tennessee | 9 | $ 2,065,000 | $ 229,444 | $ 146,000 |
| Union, Tennessee | 9 | $ 1,545,000 | $ 171,666 | $ 94,000 |
| Campbell, Tennessee | 8 | $ 1,620,000 | $ 202,500 | $ 85,000 |
| Cumberland, Tennessee | 2 | $ 430,000 | $ 215,000 | $ 81,000 |
| Meigs, Tennessee | 2 | $ 400,000 | $ 200,000 | $ 89,000 |
| Rhea, Tennessee | 2 | $ 430,000 | $ 215,000 | $ 98,000 |
| Hamilton, Ohio | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Warren, Ohio | 1 | $ 565,000 | $ 565,000 | $ 234,000 |
| Davidson, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 63,000 |
| Hancock, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 163,000 |
| Jefferson, Tennessee | 1 | $ 365,000 | $ 365,000 | $ 93,000 |
| Scott, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Washington, Tennessee | 1 | $ 735,000 | $ 735,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Enrichment Federal Credit Unio 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 | 260 | $52,030,000 | $200,000 | $1,455,000 | $105,000 | $1,390,000 |
| Home Purchase | 126 | $32,480,000 | $257,000 | $1,825,000 | $102,000 | $403,000 |
| Refinancing | 45 | $7,435,000 | $165,000 | $665,000 | $83,000 | $203,000 |
| Other Purpose | 9 | $3,605,000 | $400,000 | $1,025,000 | $195,000 | $479,000 |
| Home Improvement | 3 | $135,000 | $45,000 | $65,000 | $45,000 | $74,000 |
| Not Applicable | 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 | 426 | $92,670,000 | $217,000 | $1,825,000 | $105,000 | $1,390,000 |
| Black or African American | 8 | $650,000 | $81,000 | $165,000 | $43,000 | $75,000 |
| Not Provided | 4 | $1,520,000 | $380,000 | $855,000 | $74,000 | $163,000 |
| Hispanic | 2 | $400,000 | $200,000 | $245,000 | $67,000 | $93,000 |
| Asian | 1 | $225,000 | $225,000 | $225,000 | $95,000 | $95,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 443 | $95,685,000 | $215,000 | $1,825,000 | $103,000 | $1,390,000 |
| 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 |
| 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 | 355 | $75,865,000 | $213,000 | $1,825,000 | $105,000 | $1,390,000 |
| Application Approved But Not Accepted | 55 | $13,895,000 | $252,000 | $1,325,000 | $113,000 | $388,000 |
| Application Denied By Financial Institution | 22 | $3,600,000 | $163,000 | $855,000 | $45,000 | $141,000 |
| Application Withdrawn By Applicant | 6 | $790,000 | $131,000 | $195,000 | $96,000 | $213,000 |
| File Closed For Incompleteness | 4 | $1,150,000 | $287,000 | $525,000 | $148,000 | $275,000 |
| Preapproval Approved but not Accepted | 1 | $385,000 | $385,000 | $385,000 | $76,000 | $76,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 421 | $92,085,000 | $218,000 | $1,825,000 | $106,000 | $1,390,000 |
| Credit History | 10 | $2,160,000 | $216,000 | $855,000 | $50,000 | $120,000 |
| Debt-To-Income Ratio | 10 | $1,210,000 | $121,000 | $255,000 | $31,000 | $54,000 |
| Employment History | 1 | $185,000 | $185,000 | $185,000 | $36,000 | $36,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $141,000 | $141,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Enrichment Federal Credit Unio'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 Enrichment Federal Credit Unio'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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