Foothills Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Foothills Bank & Trust of Maryville, TN reported 70 mortgage applications totaling $18.5 million, about the same as 2015. The average application was for $264,871, and applicants reported an average income of $112,928. 91% of its applications resulted in an originated loan and 7% were denied. Its largest market was Knoxville, TN (64).
| 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 | 70 |
| Total Mortgage Loan Application Amount | $18,541,000 |
| Average Mortgage Loan Application Amount | $264,871 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $112,928 |
| Highest Applicant Income | $562,000 |
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(HMDA) records Foothills Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 32 | $ 5,675,000 | $ 177,343 | $ 91,000 |
| Knox, Tennessee | 25 | $ 7,214,000 | $ 288,560 | $ 108,000 |
| Sevier, Tennessee | 5 | $ 1,193,000 | $ 238,600 | $ 179,000 |
| Loudon, Tennessee | 4 | $ 1,439,000 | $ 359,750 | $ 123,000 |
| Anderson, Tennessee | 1 | $ 2,100,000 | $ 2,100,000 | $ 0 |
| Campbell, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 211,000 |
| Monroe, Tennessee | 1 | $ 187,000 | $ 187,000 | $ 112,000 |
| Roane, Tennessee | 1 | $ 633,000 | $ 633,000 | $ 562,000 |
Mortgage Loan Application Detail Totals for Foothills Bank & Trust in 2016
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 | 37 | $10,786,000 | $291,000 | $1,050,000 | $151,000 | $562,000 |
| Refinancing | 25 | $7,459,000 | $298,000 | $2,100,000 | $70,000 | $203,000 |
| Home Improvement | 8 | $296,000 | $37,000 | $100,000 | $71,000 | $211,000 |
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 | 56 | $13,596,000 | $242,000 | $1,050,000 | $124,000 | $562,000 |
| Not applicable | 8 | $3,668,000 | $458,000 | $2,100,000 | $0 | $0 |
| Hispanic | 2 | $548,000 | $274,000 | $344,000 | $170,000 | $271,000 |
| American Indian or Alaskan Native | 1 | $64,000 | $64,000 | $64,000 | $41,000 | $41,000 |
| Asian | 1 | $328,000 | $328,000 | $328,000 | $50,000 | $50,000 |
| Black or African American | 1 | $92,000 | $92,000 | $92,000 | $23,000 | $23,000 |
| Not Provided | 1 | $245,000 | $245,000 | $245,000 | $496,000 | $496,000 |
| Native Hawaiin or Other Pacific Islander | 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) | 70 | $18,541,000 | $264,000 | $2,100,000 | $113,000 | $562,000 |
| 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 | 64 | $17,049,000 | $266,000 | $2,100,000 | $117,000 | $562,000 |
| Application Denied By Financial Institution | 5 | $1,312,000 | $262,000 | $587,000 | $65,000 | $146,000 |
| Application Withdrawn By Applicant | 1 | $180,000 | $180,000 | $180,000 | $62,000 | $62,000 |
| 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 | $716,000 | $358,000 | $587,000 | $73,000 | $146,000 |
| Debt-To-Income Ratio | 2 | $466,000 | $233,000 | $262,000 | $64,000 | $69,000 |
| Employment History | 1 | $130,000 | $130,000 | $130,000 | $54,000 | $54,000 |
| 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 2016 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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