Y-12 Federal Credit Union Mortgage Lending & HMDA Data, 2003
In 2003, Y-12 Federal Credit Union of Oak Ridge, TN reported 801 mortgage applications totaling $53.2 million. The average application was for $66,410, and applicants reported an average income of $55,441. 82% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Knoxville, TN (553), Atlanta, GA (1) and Chattanooga, TN-GA (1) (applications in parentheses).
| Mortgage Company & Address | Y-12 Federal Credit Union 501 Lafayette Dr Oak Ridge, TN 37830 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 | 801 |
| Total Mortgage Loan Application Amount | $53,195,000 |
| Average Mortgage Loan Application Amount | $66,410 |
| Highest Mortgage Loan Application Amount | $626,000 |
| Average Applicant Income | $55,441 |
| Highest Applicant Income | $383,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 203 | $ 14,504,000 | $ 71,448 | $ 58,000 |
| Anderson, Tennessee | 142 | $ 9,707,000 | $ 68,359 | $ 46,000 |
| Blount, Tennessee | 138 | $ 8,404,000 | $ 60,898 | $ 53,000 |
| Roane, Tennessee | 102 | $ 7,097,000 | $ 69,578 | $ 68,000 |
| Campbell, Tennessee | 70 | $ 3,815,000 | $ 54,500 | $ 37,000 |
| Sevier, Tennessee | 41 | $ 3,388,000 | $ 82,634 | $ 54,000 |
| Loudon, Tennessee | 26 | $ 1,875,000 | $ 72,115 | $ 78,000 |
| Morgan, Tennessee | 24 | $ 967,000 | $ 40,291 | $ 53,000 |
| Scott, Tennessee | 23 | $ 1,276,000 | $ 55,478 | $ 44,000 |
| Jefferson, Tennessee | 9 | $ 865,000 | $ 96,111 | $ 66,000 |
| Union, Tennessee | 4 | $ 225,000 | $ 56,250 | $ 55,000 |
| Grainger, Tennessee | 3 | $ 174,000 | $ 58,000 | $ 60,000 |
| Monroe, Tennessee | 3 | $ 148,000 | $ 49,333 | $ 51,000 |
| Rhea, Tennessee | 3 | $ 176,000 | $ 58,666 | $ 60,000 |
| Hamblen, Tennessee | 2 | $ 106,000 | $ 53,000 | $ 78,000 |
| McMinn, Tennessee | 2 | $ 70,000 | $ 35,000 | $ 34,000 |
| Fulton, Georgia | 1 | $ 29,000 | $ 29,000 | $ 79,000 |
| Claiborne, Tennessee | 1 | $ 31,000 | $ 31,000 | $ 22,000 |
| Cumberland, Tennessee | 1 | $ 112,000 | $ 112,000 | $ 38,000 |
| Greene, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Hamilton, Tennessee | 1 | $ 126,000 | $ 126,000 | $ 98,000 |
| Putnam, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Y-12 Federal Credit Union in 2003
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 (home purchase or home improvement, one-to-four family) | 519 | $39,560,000 | $76,000 | $626,000 | $53,000 | $201,000 |
| Home Improvement (one-to-four family) | 194 | $5,536,000 | $28,500 | $180,000 | $71,000 | $181,000 |
| Home Purchase (one-to-four family) | 88 | $8,099,000 | $92,000 | $305,000 | $53,000 | $383,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 770 | $50,699,000 | $47,000 | $325,000 | $66,000 | $383,000 |
| Black | 17 | $1,619,000 | $95,000 | $626,000 | $59,000 | $195,000 |
| Hispanic | 8 | $491,000 | $61,000 | $125,000 | $47,000 | $73,000 |
| Asian or Pacific Islander | 4 | $245,000 | $61,000 | $122,000 | $121,000 | $181,000 |
| American Indian or Alaskan Native | 2 | $141,000 | $70,000 | $74,000 | $93,000 | $106,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 801 | $53,195,000 | $47,500 | $626,000 | $67,000 | $383,000 |
| 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 | 660 | $42,179,000 | $63,000 | $325,000 | $63,000 | $383,000 |
| Application Denied By Financial Institution | 86 | $5,891,000 | $48,500 | $240,000 | $63,000 | $149,000 |
| Application Approved But Not Accepted | 43 | $4,154,000 | $96,000 | $626,000 | $68,000 | $195,000 |
| Application Withdrawn By Applicant | 12 | $971,000 | $80,000 | $285,000 | $39,000 | $98,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 33 | $1,850,000 | $56,000 | $165,000 | $45,000 | $105,000 |
| Debt-To-Income Ratio | 17 | $923,000 | $54,000 | $131,000 | $31,000 | $92,000 |
| Credit Application Incomplete | 17 | $1,722,000 | $101,000 | $240,000 | $63,000 | $149,000 |
| Collateral | 8 | $587,000 | $73,000 | $180,000 | $56,000 | $80,000 |
| Other | 7 | $431,000 | $48,000 | $125,000 | $64,000 | $95,000 |
| Employment History | 3 | $293,000 | $97,000 | $125,000 | $61,000 | $73,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $18,000 | $18,000 |
| 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 Y-12 Federal Credit Union's 2003 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 Y-12 Federal Credit Union'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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