Foothills Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Foothills Bank & Trust of Maryville, TN reported 76 mortgage applications totaling $14.9 million, up 6% from 2011. The average application was for $195,605, and applicants reported an average income of $167,447. 95% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Knoxville, TN (72), Johnson City, TN (1) and Kingsport-Bristol-Bristol, TN-VA (1) (applications in parentheses).
| Mortgage Company & Address | Foothills Bank & Trust 214 Keller Lane Maryville, TN 37802 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 76 |
| Total Mortgage Loan Application Amount | $14,866,000 |
| Average Mortgage Loan Application Amount | $195,605 |
| Highest Mortgage Loan Application Amount | $1,182,000 |
| Average Applicant Income | $167,447 |
| Highest Applicant Income | $1,580,000 |
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(HMDA) records Foothills Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Knoxville, TN | 72 | $ 13,736,000 | $ 190,777 | $ 137,000 |
| Johnson City, TN | 1 | $ 289,000 | $ 289,000 | $ 49,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 377,000 | $ 377,000 | $ 1,580,000 |
Mortgage Loan Application Detail Totals for Foothills Bank & Trust in 2012
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 | 33 | $5,974,000 | $181,000 | $998,000 | $146,000 | $855,000 |
| Refinancing | 30 | $8,248,000 | $274,000 | $1,182,000 | $209,000 | $1,580,000 |
| Home Improvement | 13 | $644,000 | $49,000 | $143,000 | $126,000 | $266,000 |
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 | 59 | $10,893,000 | $184,000 | $998,000 | $198,000 | $1,580,000 |
| Not applicable | 12 | $3,343,000 | $278,000 | $1,182,000 | $0 | $0 |
| Not Provided | 2 | $258,000 | $129,000 | $213,000 | $128,000 | $135,000 |
| Black or African American | 2 | $182,000 | $91,000 | $131,000 | $384,000 | $734,000 |
| Hispanic | 1 | $190,000 | $190,000 | $190,000 | $45,000 | $45,000 |
| 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) | 76 | $14,866,000 | $195,000 | $1,182,000 | $167,000 | $1,580,000 |
| 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 | 72 | $14,307,000 | $198,000 | $1,182,000 | $173,000 | $1,580,000 |
| Application Denied By Financial Institution | 2 | $115,000 | $57,000 | $75,000 | $29,000 | $34,000 |
| Application Withdrawn By Applicant | 2 | $444,000 | $222,000 | $231,000 | $100,000 | $121,000 |
| 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 |
|---|---|---|---|---|---|---|
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $34,000 | $34,000 |
| Other | 1 | $40,000 | $40,000 | $40,000 | $24,000 | $24,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Foothills Bank & Trust's 2012 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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