Y-12 Federal Credit Union Mortgage Lending & HMDA Data, 2009
In 2009, Y-12 Federal Credit Union of Oak Ridge, TN reported 989 mortgage applications totaling $109.8 million, up 3% from 2008. The average application was for $111,068, and applicants reported an average income of $66,515. 57% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Knoxville, TN (629), Morristown, TN (11) and Johnson City, TN (3) (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 | 989 |
| Total Mortgage Loan Application Amount | $109,847,000 |
| Average Mortgage Loan Application Amount | $111,068 |
| Highest Mortgage Loan Application Amount | $882,000 |
| Average Applicant Income | $66,515 |
| Highest Applicant Income | $630,000 |
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records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 285 | $ 35,447,000 | $ 124,375 | $ 69,000 |
| Anderson, Tennessee | 186 | $ 19,613,000 | $ 105,446 | $ 65,000 |
| Blount, Tennessee | 123 | $ 15,541,000 | $ 126,349 | $ 61,000 |
| Campbell, Tennessee | 117 | $ 9,491,000 | $ 81,119 | $ 55,000 |
| Roane, Tennessee | 106 | $ 8,713,000 | $ 82,198 | $ 64,000 |
| Loudon, Tennessee | 31 | $ 5,704,000 | $ 184,000 | $ 110,000 |
| Morgan, Tennessee | 19 | $ 1,985,000 | $ 104,473 | $ 69,000 |
| Scott, Tennessee | 18 | $ 1,165,000 | $ 64,722 | $ 47,000 |
| Sevier, Tennessee | 16 | $ 2,584,000 | $ 161,500 | $ 81,000 |
| Cumberland, Tennessee | 10 | $ 1,244,000 | $ 124,400 | $ 59,000 |
| Monroe, Tennessee | 8 | $ 959,000 | $ 119,875 | $ 72,000 |
| Rhea, Tennessee | 5 | $ 361,000 | $ 72,200 | $ 61,000 |
| Grainger, Tennessee | 4 | $ 340,000 | $ 85,000 | $ 101,000 |
| Jefferson, Tennessee | 4 | $ 434,000 | $ 108,500 | $ 79,000 |
| Union, Tennessee | 4 | $ 186,000 | $ 46,500 | $ 71,000 |
| Claiborne, Tennessee | 3 | $ 139,000 | $ 46,333 | $ 53,000 |
| Hamblen, Tennessee | 3 | $ 414,000 | $ 138,000 | $ 70,000 |
| Washington, Tennessee | 3 | $ 309,000 | $ 103,000 | $ 101,000 |
| Meigs, Tennessee | 2 | $ 426,000 | $ 213,000 | $ 134,000 |
| Bledsoe, Tennessee | 1 | $ 81,000 | $ 81,000 | $ 96,000 |
| Bradley, Tennessee | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Cocke, Tennessee | 1 | $ 146,000 | $ 146,000 | $ 36,000 |
| Davidson, Tennessee | 1 | $ 158,000 | $ 158,000 | $ 68,000 |
| Greene, Tennessee | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 29,000 | $ 29,000 | $ 66,000 |
| Hardeman, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| McMinn, Tennessee | 1 | $ 154,000 | $ 154,000 | $ 78,000 |
| Sullivan, Tennessee | 1 | $ 62,000 | $ 62,000 | $ 161,000 |
Mortgage Loan Application Detail Totals for Y-12 Federal Credit Union in 2009
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 | 580 | $74,536,000 | $128,000 | $635,000 | $67,000 | $400,000 |
| Home Improvement | 222 | $10,638,000 | $47,000 | $331,000 | $64,000 | $248,000 |
| Home Purchase | 187 | $24,673,000 | $131,000 | $882,000 | $68,000 | $630,000 |
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 | 920 | $101,863,000 | $110,000 | $635,000 | $67,000 | $630,000 |
| Black or African American | 28 | $2,773,000 | $99,000 | $462,000 | $54,000 | $107,000 |
| Not Provided | 19 | $1,423,000 | $74,000 | $515,000 | $78,000 | $178,000 |
| Hispanic | 7 | $1,045,000 | $149,000 | $612,000 | $84,000 | $146,000 |
| Asian | 7 | $843,000 | $120,000 | $350,000 | $54,000 | $86,000 |
| Not applicable | 5 | $1,671,000 | $334,000 | $882,000 | $39,000 | $146,000 |
| American Indian or Alaskan Native | 2 | $215,000 | $107,000 | $125,000 | $44,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $14,000 | $14,000 | $14,000 | $60,000 | $60,000 |
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) | 989 | $109,847,000 | $111,000 | $882,000 | $66,000 | $630,000 |
| 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 | 562 | $60,472,000 | $107,000 | $882,000 | $70,000 | $248,000 |
| Application Denied By Financial Institution | 219 | $23,198,000 | $105,000 | $612,000 | $55,000 | $400,000 |
| Application Withdrawn By Applicant | 115 | $14,058,000 | $122,000 | $635,000 | $66,000 | $300,000 |
| Application Approved But Not Accepted | 60 | $8,400,000 | $140,000 | $415,000 | $68,000 | $191,000 |
| Preapproval Denied by Financial Institution | 33 | $3,719,000 | $112,000 | $333,000 | $69,000 | $630,000 |
| 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 | 102 | $8,778,000 | $86,000 | $318,000 | $50,000 | $188,000 |
| Debt-To-Income Ratio | 76 | $8,516,000 | $112,000 | $498,000 | $50,000 | $241,000 |
| Collateral | 34 | $4,889,000 | $143,000 | $347,000 | $66,000 | $126,000 |
| Credit Application Incomplete | 15 | $2,341,000 | $156,000 | $417,000 | $90,000 | $400,000 |
| Other | 9 | $618,000 | $68,000 | $175,000 | $98,000 | $630,000 |
| Employment History | 8 | $723,000 | $90,000 | $612,000 | $61,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $475,000 | $158,000 | $333,000 | $71,000 | $148,000 |
| Unverifiable Information | 3 | $235,000 | $78,000 | $132,000 | $40,000 | $80,000 |
| Mortgage Insurance Denied | 2 | $342,000 | $171,000 | $225,000 | $89,000 | $89,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Y-12 Federal Credit Union's 2009 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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