Y-12 Federal Credit Union Mortgage Lending & HMDA Data, 2005
In 2005, Y-12 Federal Credit Union of Oak Ridge, TN reported 717 mortgage applications totaling $54.9 million, up 50% from 2004. The average application was for $76,629, and applicants reported an average income of $55,429. 67% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Knoxville, TN (513) and Morristown, TN (5).
| 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 | 717 |
| Total Mortgage Loan Application Amount | $54,943,000 |
| Average Mortgage Loan Application Amount | $76,629 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $55,429 |
| Highest Applicant Income | $211,000 |
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records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 234 | $ 19,676,000 | $ 84,085 | $ 53,000 |
| Anderson, Tennessee | 163 | $ 10,602,000 | $ 65,042 | $ 52,000 |
| Blount, Tennessee | 93 | $ 6,822,000 | $ 73,354 | $ 59,000 |
| Campbell, Tennessee | 50 | $ 2,569,000 | $ 51,380 | $ 31,000 |
| Roane, Tennessee | 50 | $ 4,120,000 | $ 82,400 | $ 63,000 |
| Sevier, Tennessee | 33 | $ 2,378,000 | $ 72,060 | $ 51,000 |
| Loudon, Tennessee | 20 | $ 2,450,000 | $ 122,500 | $ 78,000 |
| Morgan, Tennessee | 15 | $ 806,000 | $ 53,733 | $ 55,000 |
| Scott, Tennessee | 10 | $ 906,000 | $ 90,600 | $ 50,000 |
| Claiborne, Tennessee | 5 | $ 309,000 | $ 61,800 | $ 47,000 |
| Cumberland, Tennessee | 4 | $ 555,000 | $ 138,750 | $ 87,000 |
| Rhea, Tennessee | 4 | $ 425,000 | $ 106,250 | $ 65,000 |
| Grainger, Tennessee | 3 | $ 130,000 | $ 43,333 | $ 46,000 |
| Monroe, Tennessee | 3 | $ 318,000 | $ 106,000 | $ 58,000 |
| Union, Tennessee | 3 | $ 411,000 | $ 137,000 | $ 44,000 |
| Jefferson, Tennessee | 2 | $ 115,000 | $ 57,500 | $ 83,000 |
| McMinn, Tennessee | 2 | $ 264,000 | $ 132,000 | $ 67,000 |
| Henderson, Tennessee | 1 | $ 10,000 | $ 10,000 | $ 29,000 |
| Overton, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Y-12 Federal Credit Union in 2005
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 | 418 | $28,387,000 | $67,000 | $615,000 | $60,000 | $211,000 |
| Home Purchase | 233 | $25,750,000 | $103,500 | $392,000 | $45,500 | $200,000 |
| Home Improvement | 66 | $806,000 | $11,000 | $100,000 | $28,000 | $120,000 |
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 | 686 | $52,835,000 | $60,000 | $615,000 | $34,000 | $211,000 |
| Black or African American | 19 | $1,143,000 | $67,000 | $226,000 | $39,000 | $157,000 |
| Hispanic | 6 | $440,000 | $96,000 | $135,000 | $60,500 | $150,000 |
| Asian | 3 | $291,000 | $97,000 | $108,000 | $60,000 | $121,000 |
| American Indian or Alaskan Native | 2 | $233,000 | $116,500 | $120,000 | $43,000 | $56,000 |
| Not Provided | 1 | $1,000 | $1,000 | $1,000 | $48,000 | $48,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 717 | $54,943,000 | $60,666 | $615,000 | $34,666 | $211,000 |
| 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 | 482 | $35,540,000 | $73,000 | $392,000 | $61,000 | $195,000 |
| Application Denied By Financial Institution | 129 | $9,595,000 | $42,000 | $615,000 | $28,500 | $169,000 |
| Application Approved But Not Accepted | 49 | $4,472,000 | $91,000 | $320,000 | $61,000 | $200,000 |
| Application Withdrawn By Applicant | 37 | $3,404,000 | $92,000 | $315,000 | $52,000 | $211,000 |
| Preapproval Denied by Financial Institution | 20 | $1,932,000 | $96,000 | $175,000 | $40,000 | $108,000 |
| 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 |
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 | 79 | $5,639,000 | $54,333 | $300,000 | $32,333 | $122,000 |
| Debt-To-Income Ratio | 33 | $2,862,000 | $105,500 | $277,000 | $44,000 | $150,000 |
| Collateral | 14 | $1,578,000 | $112,000 | $615,000 | $67,000 | $169,000 |
| Employment History | 10 | $704,000 | $70,000 | $125,000 | $30,000 | $72,000 |
| Credit Application Incomplete | 6 | $393,000 | $72,500 | $94,000 | $47,000 | $98,000 |
| Other | 5 | $290,000 | $58,000 | $114,000 | $42,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $53,000 | $53,000 | $53,000 | $30,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Y-12 Federal Credit Union's 2005 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.
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with aggregated HMDA statistics today.
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