First Horizon Bank Mortgage Lending & HMDA Data, 2013

In 2013, First Horizon Bank of Memphis, TN reported 4,307 mortgage applications totaling $918.7 million, down 51% from 2012. The average application was for $213,313, and applicants reported an average income of $144,259. 51% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (1,366), Memphis, TN-MS-AR (660) and Knoxville, TN (533) (applications in parentheses).

Mortgage Company & Address First Horizon Bank
165 Madison Ave 5th Floor
Memphis, TN 38103
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  
Total Number of Mortgage Applications 4,307
Total Mortgage Loan Application Amount $918,741,000
Average Mortgage Loan Application Amount $213,313
Highest Mortgage Loan Application Amount $4,000,000
Average Applicant Income $144,259
Highest Applicant Income $9,960,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Horizon Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First Horizon Bank by County in 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Davidson, Tennessee 533 $ 133,583,000 $ 250,624 $ 141,000
Shelby, Tennessee 518 $ 99,385,000 $ 191,862 $ 157,000
Hamilton, Tennessee 371 $ 81,517,000 $ 219,722 $ 149,000
Knox, Tennessee 371 $ 95,032,000 $ 256,150 $ 177,000
Williamson, Tennessee 335 $ 121,886,000 $ 363,838 $ 176,000
Rutherford, Tennessee 229 $ 33,683,000 $ 147,087 $ 80,000
Washington, Tennessee 222 $ 38,294,000 $ 172,495 $ 113,000
Sullivan, Tennessee 195 $ 32,690,000 $ 167,641 $ 99,000
Blount, Tennessee 141 $ 22,366,000 $ 158,624 $ 90,000
Wilson, Tennessee 124 $ 20,617,000 $ 166,266 $ 112,000
Greene, Tennessee 97 $ 14,410,000 $ 148,556 $ 74,000
Sumner, Tennessee 85 $ 18,372,000 $ 216,141 $ 212,000
Putnam, Tennessee 75 $ 9,012,000 $ 120,160 $ 82,000
Sevier, Tennessee 71 $ 10,757,000 $ 151,507 $ 125,000
Bradley, Tennessee 70 $ 11,074,000 $ 158,200 $ 96,000
DeSoto, Mississippi 66 $ 7,933,000 $ 120,196 $ 71,000
Hamblen, Tennessee 56 $ 7,347,000 $ 131,196 $ 88,000
Jefferson, Tennessee 39 $ 6,146,000 $ 157,589 $ 128,000
Catoosa, Georgia 31 $ 4,737,000 $ 152,806 $ 82,000
Madison, Tennessee 31 $ 4,931,000 $ 159,064 $ 126,000
Tate, Mississippi 26 $ 3,049,000 $ 117,269 $ 96,000
Forsyth, North Carolina 24 $ 9,861,000 $ 410,875 $ 294,000
Hawkins, Tennessee 24 $ 3,109,000 $ 129,541 $ 113,000
Walker, Georgia 23 $ 4,164,000 $ 181,043 $ 120,000
Carter, Tennessee 23 $ 2,465,000 $ 107,173 $ 66,000
Fayette, Tennessee 23 $ 5,257,000 $ 228,565 $ 127,000
Maury, Tennessee 23 $ 4,765,000 $ 207,173 $ 119,000
Unicoi, Tennessee 23 $ 2,374,000 $ 103,217 $ 61,000
Cheatham, Tennessee 19 $ 3,037,000 $ 159,842 $ 85,000
Loudon, Tennessee 15 $ 3,267,000 $ 217,800 $ 112,000
Dickson, Tennessee 14 $ 1,863,000 $ 133,071 $ 75,000
Robertson, Tennessee 13 $ 1,339,000 $ 103,000 $ 77,000
Marshall, Mississippi 12 $ 1,391,000 $ 115,916 $ 74,000
Tipton, Tennessee 12 $ 1,153,000 $ 96,083 $ 72,000
White, Tennessee 12 $ 1,441,000 $ 120,083 $ 93,000
Walton, Florida 10 $ 9,250,000 $ 925,000 $ 1,727,000
Jackson, Tennessee 10 $ 1,729,000 $ 172,900 $ 114,000
Rhea, Tennessee 9 $ 1,023,000 $ 113,666 $ 73,000
Henrico, Virginia 8 $ 3,739,000 $ 467,375 $ 292,000
Washington, Virginia 8 $ 1,578,000 $ 197,250 $ 115,000
Cannon, Tennessee 7 $ 936,000 $ 133,714 $ 68,000
Cocke, Tennessee 7 $ 704,000 $ 100,571 $ 63,000
Grainger, Tennessee 7 $ 1,200,000 $ 171,428 $ 63,000
Sequatchie, Tennessee 7 $ 952,000 $ 136,000 $ 137,000
Scott, Virginia 7 $ 952,000 $ 136,000 $ 132,000
Dade, Georgia 6 $ 772,000 $ 128,666 $ 84,000
Bedford, Tennessee 6 $ 1,182,000 $ 197,000 $ 83,000
Coffee, Tennessee 6 $ 1,061,000 $ 176,833 $ 101,000
DeKalb, Tennessee 6 $ 655,000 $ 109,166 $ 144,000
Franklin, Tennessee 6 $ 1,555,000 $ 259,166 $ 451,000
Gwinnett, Georgia 5 $ 581,000 $ 116,200 $ 97,000
Monroe, Tennessee 5 $ 800,000 $ 160,000 $ 81,000
Charleston, South Carolina 4 $ 1,789,000 $ 447,250 $ 449,000
Anderson, Tennessee 4 $ 650,000 $ 162,500 $ 116,000
Bledsoe, Tennessee 4 $ 461,000 $ 115,250 $ 56,000
Cumberland, Tennessee 4 $ 1,358,000 $ 339,500 $ 164,000
Gibson, Tennessee 4 $ 349,000 $ 87,250 $ 81,000
Humphreys, Tennessee 4 $ 295,000 $ 73,750 $ 31,000
Overton, Tennessee 4 $ 1,384,000 $ 346,000 $ 96,000
Roane, Tennessee 4 $ 696,000 $ 174,000 $ 153,000
Smith, Tennessee 4 $ 118,000 $ 29,500 $ 43,000
Bristol, Virginia 4 $ 360,000 $ 90,000 $ 80,000
Cleburne, Arkansas 3 $ 861,000 $ 287,000 $ 512,000
Crittenden, Arkansas 3 $ 936,000 $ 312,000 $ 207,000
Bay, Florida 3 $ 588,000 $ 196,000 $ 234,000
Lee, Florida 3 $ 2,835,000 $ 945,000 $ 431,000
Okaloosa, Florida 3 $ 947,000 $ 315,666 $ 197,000
Fayette, Kentucky 3 $ 760,000 $ 253,333 $ 298,000
Lafayette, Mississippi 3 $ 756,000 $ 252,000 $ 265,000
Durham, North Carolina 3 $ 1,714,000 $ 571,333 $ 175,000
Wake, North Carolina 3 $ 2,774,000 $ 924,666 $ 388,000
Marion, Tennessee 3 $ 835,000 $ 278,333 $ 149,000
McMinn, Tennessee 3 $ 76,000 $ 25,333 $ 30,000
Polk, Tennessee 3 $ 271,000 $ 90,333 $ 28,000
Goochland, Virginia 3 $ 2,099,000 $ 699,666 $ 592,000
Baldwin, Alabama 2 $ 426,000 $ 213,000 $ 176,000
Colbert, Alabama 2 $ 1,049,000 $ 524,500 $ 293,000
Madison, Alabama 2 $ 290,000 $ 145,000 $ 52,000
Randolph, Alabama 2 $ 139,000 $ 69,500 $ 72,000
Maricopa, Arizona 2 $ 191,000 $ 95,500 $ 74,000
Denver, Colorado 2 $ 2,372,000 $ 1,186,000 $ 3,518,000
Collier, Florida 2 $ 240,000 $ 120,000 $ 132,000
Escambia, Florida 2 $ 933,000 $ 466,500 $ 198,000
Cobb, Georgia 2 $ 213,000 $ 106,500 $ 49,000
DeKalb, Georgia 2 $ 806,000 $ 403,000 $ 234,000
Murray, Georgia 2 $ 78,000 $ 39,000 $ 43,000
Richmond, Georgia 2 $ 609,000 $ 304,500 $ 344,000
Whitfield, Georgia 2 $ 466,000 $ 233,000 $ 433,000
Shelby, Kentucky 2 $ 794,000 $ 397,000 $ 223,000
Panola, Mississippi 2 $ 126,000 $ 63,000 $ 54,000
Jackson, Missouri 2 $ 191,000 $ 95,500 $ 38,000
Buncombe, North Carolina 2 $ 869,000 $ 434,500 $ 402,000
Carteret, North Carolina 2 $ 350,000 $ 175,000 $ 222,000
Davie, North Carolina 2 $ 1,559,000 $ 779,500 $ 420,000
Iredell, North Carolina 2 $ 548,000 $ 274,000 $ 75,000
Mecklenburg, North Carolina 2 $ 444,000 $ 222,000 $ 133,000
Yancey, North Carolina 2 $ 464,000 $ 232,000 $ 216,000
Delaware, Pennsylvania 2 $ 1,549,000 $ 774,500 $ 225,000
Dyer, Tennessee 2 $ 279,000 $ 139,500 $ 72,000
Hardeman, Tennessee 2 $ 114,000 $ 57,000 $ 136,000
Henry, Tennessee 2 $ 525,000 $ 262,500 $ 50,000
Macon, Tennessee 2 $ 106,000 $ 53,000 $ 34,000
Marshall, Tennessee 2 $ 274,000 $ 137,000 $ 53,000
Montgomery, Tennessee 2 $ 249,000 $ 124,500 $ 106,000
Union, Tennessee 2 $ 131,000 $ 65,500 $ 51,000
Chesterfield, Virginia 2 $ 330,000 $ 165,000 $ 163,000
Richmond, Virginia 2 $ 314,000 $ 157,000 $ 331,000
Richmond City, Virginia 2 $ 472,000 $ 236,000 $ 81,000
Virginia Beach, Virginia 2 $ 1,011,000 $ 505,500 $ 299,000
Cullman, Alabama 1 $ 77,000 $ 77,000 $ 268,000
Lauderdale, Alabama 1 $ 234,000 $ 234,000 $ 423,000
Lee, Alabama 1 $ 289,000 $ 289,000 $ 434,000
Marshall, Alabama 1 $ 81,000 $ 81,000 $ 26,000
Mobile, Alabama 1 $ 187,000 $ 187,000 $ 61,000
Walker, Alabama 1 $ 339,000 $ 339,000 $ 498,000
Baxter, Arkansas 1 $ 132,000 $ 132,000 $ 69,000
Pulaski, Arkansas 1 $ 120,000 $ 120,000 $ 196,000
Searcy, Arkansas 1 $ 100,000 $ 100,000 $ 48,000
Contra Costa, California 1 $ 399,000 $ 399,000 $ 153,000
Los Angeles, California 1 $ 2,138,000 $ 2,138,000 $ 7,163,000
San Diego, California 1 $ 212,000 $ 212,000 $ 96,000
Larimer, Colorado 1 $ 200,000 $ 200,000 $ 180,000
Summit, Colorado 1 $ 768,000 $ 768,000 $ 1,086,000
Sussex, Delaware 1 $ 115,000 $ 115,000 $ 60,000
Miami-Dade, Florida 1 $ 375,000 $ 375,000 $ 160,000
Orange, Florida 1 $ 740,000 $ 740,000 $ 396,000
Pasco, Florida 1 $ 106,000 $ 106,000 $ 101,000
Pinellas, Florida 1 $ 300,000 $ 300,000 $ 128,000
Sarasota, Florida 1 $ 100,000 $ 100,000 $ 313,000
Volusia, Florida 1 $ 93,000 $ 93,000 $ 62,000
Fannin, Georgia 1 $ 601,000 $ 601,000 $ 1,508,000
Floyd, Georgia 1 $ 250,000 $ 250,000 $ 56,000
Fulton, Georgia 1 $ 1,200,000 $ 1,200,000 $ 550,000
Gordon, Georgia 1 $ 22,000 $ 22,000 $ 629,000
Habersham, Georgia 1 $ 71,000 $ 71,000 $ 78,000
Henry, Georgia 1 $ 263,000 $ 263,000 $ 70,000
Laurens, Georgia 1 $ 90,000 $ 90,000 $ 42,000
Newton, Georgia 1 $ 83,000 $ 83,000 $ 19,000
Bannock, Idaho 1 $ 54,000 $ 54,000 $ 49,000
Canyon, Idaho 1 $ 123,000 $ 123,000 $ 63,000
Cook, Illinois 1 $ 235,000 $ 235,000 $ 63,000
Marion, Indiana 1 $ 200,000 $ 200,000 $ 120,000
Barren, Kentucky 1 $ 40,000 $ 40,000 $ 9,000
Christian, Kentucky 1 $ 341,000 $ 341,000 $ 154,000
Warren, Kentucky 1 $ 165,000 $ 165,000 $ 450,000
Vernon, Louisiana 1 $ 24,000 $ 24,000 $ 60,000
Franklin, Maine 1 $ 118,000 $ 118,000 $ 53,000
Baltimore, Maryland 1 $ 426,000 $ 426,000 $ 567,000
Baltimore City, Maryland 1 $ 263,000 $ 263,000 $ 187,000
Middlesex, Massachusetts 1 $ 51,000 $ 51,000 $ 60,000
Nantucket, Massachusetts 1 $ 4,000,000 $ 4,000,000 $ 1,037,000
Benton, Mississippi 1 $ 36,000 $ 36,000 $ 32,000
Coahoma, Mississippi 1 $ 194,000 $ 194,000 $ 35,000
Harrison, Mississippi 1 $ 355,000 $ 355,000 $ 440,000
Madison, Mississippi 1 $ 262,000 $ 262,000 $ 175,000
Oktibbeha, Mississippi 1 $ 115,000 $ 115,000 $ 259,000
Tippah, Mississippi 1 $ 252,000 $ 252,000 $ 141,000
Yalobusha, Mississippi 1 $ 115,000 $ 115,000 $ 64,000
Douglas, Nevada 1 $ 192,000 $ 192,000 $ 37,000
Atlantic, New Jersey 1 $ 76,000 $ 76,000 $ 40,000
Essex, New Jersey 1 $ 190,000 $ 190,000 $ 115,000
Monmouth, New Jersey 1 $ 400,000 $ 400,000 $ 167,000
Dona Ana, New Mexico 1 $ 184,000 $ 184,000 $ 113,000
New York, New York 1 $ 1,017,000 $ 1,017,000 $ 2,557,000
Bladen, North Carolina 1 $ 116,000 $ 116,000 $ 94,000
Cabarrus, North Carolina 1 $ 1,200,000 $ 1,200,000 $ 607,000
Clay, North Carolina 1 $ 151,000 $ 151,000 $ 77,000
Dare, North Carolina 1 $ 420,000 $ 420,000 $ 1,080,000
Guilford, North Carolina 1 $ 283,000 $ 283,000 $ 111,000
Jackson, North Carolina 1 $ 165,000 $ 165,000 $ 102,000
Lincoln, North Carolina 1 $ 296,000 $ 296,000 $ 92,000
Madison, North Carolina 1 $ 86,000 $ 86,000 $ 42,000
Moore, North Carolina 1 $ 499,000 $ 499,000 $ 310,000
Surry, North Carolina 1 $ 218,000 $ 218,000 $ 676,000
Watauga, North Carolina 1 $ 292,000 $ 292,000 $ 161,000
Bryan, Oklahoma 1 $ 82,000 $ 82,000 $ 69,000
Choctaw, Oklahoma 1 $ 121,000 $ 121,000 $ 46,000
Marion, Oregon 1 $ 206,000 $ 206,000 $ 133,000
Richland, South Carolina 1 $ 62,000 $ 62,000 $ 53,000
Benton, Tennessee 1 $ 51,000 $ 51,000 $ 150,000
Carroll, Tennessee 1 $ 40,000 $ 40,000 $ 32,000
Clay, Tennessee 1 $ 60,000 $ 60,000 $ 13,000
Crockett, Tennessee 1 $ 45,000 $ 45,000 $ 25,000
Hancock, Tennessee 1 $ 78,000 $ 78,000 $ 42,000
Hardin, Tennessee 1 $ 520,000 $ 520,000 $ 807,000
Hickman, Tennessee 1 $ 120,000 $ 120,000 $ 33,000
Johnson, Tennessee 1 $ 84,000 $ 84,000 $ 45,000
Lincoln, Tennessee 1 $ 114,000 $ 114,000 $ 106,000
McNairy, Tennessee 1 $ 78,000 $ 78,000 $ 59,000
Meigs, Tennessee 1 $ 83,000 $ 83,000 $ 172,000
Morgan, Tennessee 1 $ 180,000 $ 180,000 $ 503,000
Perry, Tennessee 1 $ 93,000 $ 93,000 $ 43,000
Warren, Tennessee 1 $ 103,000 $ 103,000 $ 40,000
Fairfax, Virginia 1 $ 92,000 $ 92,000 $ 108,000
James City, Virginia 1 $ 225,000 $ 225,000 $ 161,000
Lancaster, Virginia 1 $ 136,000 $ 136,000 $ 202,000
Lee, Virginia 1 $ 56,000 $ 56,000 $ 42,000
Loudoun, Virginia 1 $ 31,000 $ 31,000 $ 120,000
Nelson, Virginia 1 $ 298,000 $ 298,000 $ 838,000
Russell, Virginia 1 $ 75,000 $ 75,000 $ 0
Tazewell, Virginia 1 $ 120,000 $ 120,000 $ 105,000
Dane, Wisconsin 1 $ 201,000 $ 201,000 $ 75,000
Big Horn, Wyoming 1 $ 149,000 $ 149,000 $ 68,000

Mortgage Loan Application Detail Totals for First Horizon Bank in 2013

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 2,744 $524,158,000 $191,000 $4,000,000 $123,000 $6,646,000
Home Purchase 1,240 $358,357,000 $288,000 $2,839,000 $207,000 $9,960,000
Home Improvement 323 $36,226,000 $112,000 $940,000 $84,000 $1,080,000

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 2,678 $454,221,000 $169,000 $2,250,000 $108,000 $3,562,000
Not Provided 1,256 $410,326,000 $326,000 $4,000,000 $235,000 $9,960,000
Black or African American 179 $17,255,000 $96,000 $785,000 $72,000 $2,243,000
Asian 83 $17,815,000 $214,000 $1,400,000 $141,000 $1,152,000
Hispanic 75 $10,900,000 $145,000 $396,000 $87,000 $337,000
American Indian or Alaskan Native 23 $5,497,000 $239,000 $763,000 $198,000 $1,216,000
Native Hawaiian or Other Pacific Islander 7 $1,755,000 $250,000 $725,000 $155,000 $398,000
Not applicable 6 $972,000 $162,000 $405,000 $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) 4,302 $917,883,000 $213,000 $4,000,000 $144,000 $9,960,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $418,000 $209,000 $255,000 $67,000 $90,000
VA-guaranteed (Veterans Administration) 2 $338,000 $169,000 $195,000 $44,000 $48,000
FHA-insured (Federal Housing Administration) 1 $102,000 $102,000 $102,000 $40,000 $40,000

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 2,190 $513,308,000 $234,000 $2,839,000 $167,000 $9,960,000
Application Denied By Financial Institution 1,498 $254,677,000 $170,000 $4,000,000 $102,000 $2,150,000
Application Withdrawn By Applicant 605 $149,306,000 $246,000 $3,450,000 $163,000 $2,400,000
Application Approved But Not Accepted 14 $1,450,000 $103,000 $300,000 $193,000 $1,079,000
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
Credit History 524 $69,875,000 $133,000 $2,250,000 $94,000 $2,150,000
Other 449 $82,858,000 $184,000 $1,250,000 $119,000 $2,061,000
Collateral 280 $54,921,000 $196,000 $1,584,000 $130,000 $1,944,000
Debt-To-Income Ratio 226 $43,969,000 $194,000 $4,000,000 $56,000 $1,037,000
Unverifiable Information 14 $2,399,000 $171,000 $639,000 $78,000 $158,000
Employment History 3 $342,000 $114,000 $205,000 $56,000 $88,000
Insufficient Cash (Downpayment, Closing Cost) 1 $50,000 $50,000 $50,000 $42,000 $42,000
Credit Application Incomplete 1 $263,000 $263,000 $263,000 $70,000 $70,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Horizon Bank's 2013 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 First Horizon 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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