Foothills Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Foothills Bank & Trust of Maryville, TN reported 61 mortgage applications totaling $12.5 million. The average application was for $204,819, and applicants reported an average income of $201,836. 93% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Knoxville, TN (57) and Charleston-North Charleston, SC (1).
| Mortgage Company & Address | Foothills Bank & Trust 214 Keller Lane Maryville, TN 37801 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 61 |
| Total Mortgage Loan Application Amount | $12,494,000 |
| Average Mortgage Loan Application Amount | $204,819 |
| Highest Mortgage Loan Application Amount | $1,865,000 |
| Average Applicant Income | $201,836 |
| Highest Applicant Income | $2,060,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Foothills Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Blount, Tennessee | 39 | $ 5,512,000 | $ 141,333 | $ 175,000 |
| Knox, Tennessee | 15 | $ 5,646,000 | $ 376,400 | $ 159,000 |
| Loudon, Tennessee | 3 | $ 646,000 | $ 215,333 | $ 485,000 |
| Jackson, North Carolina | 1 | $ 129,000 | $ 129,000 | $ 384,000 |
| Charleston, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 220,000 |
| Monroe, Tennessee | 1 | $ 56,000 | $ 56,000 | $ 38,000 |
| Sevier, Tennessee | 1 | $ 350,000 | $ 350,000 | $ 1,023,000 |
Mortgage Loan Application Detail Totals for Foothills 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 | 29 | $4,625,000 | $159,000 | $695,000 | $176,000 | $1,355,000 |
| Refinancing | 26 | $7,617,000 | $292,000 | $1,865,000 | $265,000 | $2,060,000 |
| Home Improvement | 6 | $252,000 | $42,000 | $131,000 | $53,000 | $102,000 |
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 | 43 | $8,210,000 | $190,000 | $718,000 | $246,000 | $2,060,000 |
| Not applicable | 9 | $2,838,000 | $315,000 | $1,865,000 | $0 | $0 |
| Not Provided | 7 | $1,248,000 | $178,000 | $550,000 | $227,000 | $552,000 |
| Black or African American | 2 | $198,000 | $99,000 | $139,000 | $89,000 | $95,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 61 | $12,494,000 | $204,000 | $1,865,000 | $202,000 | $2,060,000 |
| 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 | 57 | $12,035,000 | $211,000 | $1,865,000 | $210,000 | $2,060,000 |
| Application Denied By Financial Institution | 4 | $459,000 | $114,000 | $191,000 | $97,000 | $123,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 2 | $143,000 | $71,000 | $131,000 | $75,000 | $102,000 |
| Debt-To-Income Ratio | 2 | $316,000 | $158,000 | $191,000 | $119,000 | $123,000 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 Foothills 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 Foothills 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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