Y-12 Federal Credit Union Mortgage Lending & HMDA Data, 2010
In 2010, Y-12 Federal Credit Union of Oak Ridge, TN reported 711 mortgage applications totaling $68.0 million, down 28% from 2009. The average application was for $95,607, and applicants reported an average income of $65,731. 54% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Knoxville, TN (447), Morristown, TN (4) and Camden, NJ (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 | 711 |
| Total Mortgage Loan Application Amount | $67,977,000 |
| Average Mortgage Loan Application Amount | $95,607 |
| Highest Mortgage Loan Application Amount | $875,000 |
| Average Applicant Income | $65,731 |
| Highest Applicant Income | $840,000 |
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records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 166 | $ 17,355,000 | $ 104,548 | $ 79,000 |
| Blount, Tennessee | 131 | $ 13,365,000 | $ 102,022 | $ 62,000 |
| Anderson, Tennessee | 113 | $ 7,262,000 | $ 64,265 | $ 59,000 |
| Roane, Tennessee | 84 | $ 7,505,000 | $ 89,345 | $ 71,000 |
| Campbell, Tennessee | 78 | $ 5,277,000 | $ 67,653 | $ 55,000 |
| Loudon, Tennessee | 32 | $ 4,670,000 | $ 145,937 | $ 80,000 |
| Sevier, Tennessee | 28 | $ 2,818,000 | $ 100,642 | $ 54,000 |
| Morgan, Tennessee | 21 | $ 2,183,000 | $ 103,952 | $ 59,000 |
| Scott, Tennessee | 13 | $ 987,000 | $ 75,923 | $ 45,000 |
| Monroe, Tennessee | 7 | $ 1,543,000 | $ 220,428 | $ 94,000 |
| Union, Tennessee | 5 | $ 1,037,000 | $ 207,400 | $ 70,000 |
| Claiborne, Tennessee | 4 | $ 276,000 | $ 69,000 | $ 42,000 |
| Cumberland, Tennessee | 4 | $ 757,000 | $ 189,250 | $ 37,000 |
| Meigs, Tennessee | 3 | $ 61,000 | $ 20,333 | $ 65,000 |
| Grainger, Tennessee | 2 | $ 43,000 | $ 21,500 | $ 40,000 |
| Jefferson, Tennessee | 2 | $ 298,000 | $ 149,000 | $ 49,000 |
| Marshall, Tennessee | 2 | $ 454,000 | $ 227,000 | $ 57,000 |
| McMinn, Tennessee | 2 | $ 357,000 | $ 178,500 | $ 62,000 |
| Rhea, Tennessee | 2 | $ 299,000 | $ 149,500 | $ 84,000 |
| Whitley, Kentucky | 1 | $ 6,000 | $ 6,000 | $ 96,000 |
| Pulaski, Missouri | 1 | $ 3,000 | $ 3,000 | $ 96,000 |
| Camden, New Jersey | 1 | $ 4,000 | $ 4,000 | $ 89,000 |
| Bledsoe, Tennessee | 1 | $ 108,000 | $ 108,000 | $ 47,000 |
| Greene, Tennessee | 1 | $ 486,000 | $ 486,000 | $ 0 |
| Overton, Tennessee | 1 | $ 114,000 | $ 114,000 | $ 59,000 |
| Sullivan, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 25,000 |
| York, Virginia | 1 | $ 8,000 | $ 8,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Y-12 Federal Credit Union in 2010
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 | 309 | $41,294,000 | $133,000 | $875,000 | $71,000 | $840,000 |
| Home Improvement | 254 | $8,252,000 | $32,000 | $585,000 | $58,000 | $219,000 |
| Home Purchase | 148 | $18,431,000 | $124,000 | $486,000 | $68,000 | $249,000 |
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 | 655 | $64,256,000 | $98,000 | $875,000 | $67,000 | $840,000 |
| Black or African American | 21 | $1,114,000 | $53,000 | $260,000 | $55,000 | $152,000 |
| Not Provided | 17 | $577,000 | $33,000 | $113,000 | $47,000 | $89,000 |
| Hispanic | 7 | $705,000 | $100,000 | $304,000 | $49,000 | $96,000 |
| Asian | 5 | $746,000 | $149,000 | $360,000 | $66,000 | $123,000 |
| Not applicable | 4 | $425,000 | $106,000 | $165,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $154,000 | $77,000 | $114,000 | $92,000 | $104,000 |
| Native Hawaiian 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) | 711 | $67,977,000 | $95,000 | $875,000 | $66,000 | $840,000 |
| 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 | 386 | $31,872,000 | $82,000 | $486,000 | $68,000 | $335,000 |
| Application Denied By Financial Institution | 195 | $18,262,000 | $93,000 | $875,000 | $59,000 | $400,000 |
| Application Withdrawn By Applicant | 92 | $13,104,000 | $142,000 | $585,000 | $72,000 | $840,000 |
| Application Approved But Not Accepted | 31 | $3,757,000 | $121,000 | $400,000 | $72,000 | $234,000 |
| Preapproval Denied by Financial Institution | 4 | $606,000 | $151,000 | $320,000 | $66,000 | $126,000 |
| File Closed For Incompleteness | 3 | $376,000 | $125,000 | $150,000 | $35,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 68 | $5,614,000 | $82,000 | $320,000 | $50,000 | $400,000 |
| Credit History | 50 | $2,711,000 | $54,000 | $350,000 | $48,000 | $127,000 |
| Collateral | 36 | $5,363,000 | $148,000 | $403,000 | $81,000 | $228,000 |
| Other | 15 | $1,950,000 | $130,000 | $875,000 | $72,000 | $217,000 |
| Employment History | 13 | $922,000 | $70,000 | $175,000 | $49,000 | $85,000 |
| Credit Application Incomplete | 12 | $1,747,000 | $145,000 | $260,000 | $77,000 | $152,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $374,000 | $124,000 | $278,000 | $76,000 | $102,000 |
| Unverifiable Information | 1 | $128,000 | $128,000 | $128,000 | $47,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Y-12 Federal Credit Union's 2010 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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