Y-12 Federal Credit Union Mortgage Lending & HMDA Data, 2011
In 2011, Y-12 Federal Credit Union of Oak Ridge, TN reported 569 mortgage applications totaling $78.5 million, down 20% from 2010. The average application was for $137,885, and applicants reported an average income of $70,275. 65% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Knoxville, TN (377), Morristown, TN (11) and Johnson City, TN (2) (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 | 569 |
| Total Mortgage Loan Application Amount | $78,457,000 |
| Average Mortgage Loan Application Amount | $137,885 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $70,275 |
| Highest Applicant Income | $305,000 |
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records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 160 | $ 24,383,000 | $ 152,393 | $ 73,000 |
| Blount, Tennessee | 98 | $ 16,340,000 | $ 166,734 | $ 65,000 |
| Anderson, Tennessee | 92 | $ 11,307,000 | $ 122,902 | $ 73,000 |
| Campbell, Tennessee | 63 | $ 5,503,000 | $ 87,349 | $ 58,000 |
| Roane, Tennessee | 46 | $ 5,960,000 | $ 129,565 | $ 77,000 |
| Sevier, Tennessee | 28 | $ 3,508,000 | $ 125,285 | $ 71,000 |
| Loudon, Tennessee | 18 | $ 3,703,000 | $ 205,722 | $ 93,000 |
| Morgan, Tennessee | 10 | $ 1,171,000 | $ 117,100 | $ 69,000 |
| Monroe, Tennessee | 9 | $ 812,000 | $ 90,222 | $ 63,000 |
| Union, Tennessee | 9 | $ 1,089,000 | $ 121,000 | $ 74,000 |
| Jefferson, Tennessee | 7 | $ 936,000 | $ 133,714 | $ 86,000 |
| Scott, Tennessee | 6 | $ 652,000 | $ 108,666 | $ 45,000 |
| Grainger, Tennessee | 4 | $ 626,000 | $ 156,500 | $ 57,000 |
| Claiborne, Tennessee | 3 | $ 290,000 | $ 96,666 | $ 34,000 |
| Cumberland, Tennessee | 3 | $ 422,000 | $ 140,666 | $ 109,000 |
| McMinn, Tennessee | 3 | $ 247,000 | $ 82,333 | $ 65,000 |
| Rhea, Tennessee | 2 | $ 132,000 | $ 66,000 | $ 44,000 |
| Sullivan, Tennessee | 2 | $ 203,000 | $ 101,500 | $ 183,000 |
| Washington, Tennessee | 2 | $ 456,000 | $ 228,000 | $ 30,000 |
| Bledsoe, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 54,000 |
| Fentress, Tennessee | 1 | $ 168,000 | $ 168,000 | $ 110,000 |
| Greene, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Rutherford, Tennessee | 1 | $ 124,000 | $ 124,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Y-12 Federal Credit Union in 2011
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 | 321 | $44,527,000 | $138,000 | $1,200,000 | $68,000 | $245,000 |
| Home Purchase | 185 | $27,247,000 | $147,000 | $800,000 | $75,000 | $305,000 |
| Home Improvement | 63 | $6,683,000 | $106,000 | $285,000 | $68,000 | $176,000 |
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 | 535 | $71,319,000 | $133,000 | $1,200,000 | $71,000 | $305,000 |
| Black or African American | 13 | $2,081,000 | $160,000 | $298,000 | $84,000 | $165,000 |
| Hispanic | 7 | $881,000 | $125,000 | $219,000 | $65,000 | $105,000 |
| Not applicable | 5 | $1,872,000 | $374,000 | $545,000 | $0 | $0 |
| Not Provided | 5 | $1,279,000 | $255,000 | $480,000 | $46,000 | $106,000 |
| Asian | 4 | $1,025,000 | $256,000 | $720,000 | $84,000 | $162,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 569 | $78,457,000 | $137,000 | $1,200,000 | $70,000 | $305,000 |
| 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 | 369 | $47,548,000 | $128,000 | $630,000 | $72,000 | $305,000 |
| Application Denied By Financial Institution | 138 | $20,110,000 | $145,000 | $1,200,000 | $62,000 | $300,000 |
| Application Withdrawn By Applicant | 32 | $6,015,000 | $187,000 | $800,000 | $87,000 | $185,000 |
| Application Approved But Not Accepted | 30 | $4,784,000 | $159,000 | $545,000 | $73,000 | $244,000 |
| 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 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 50 | $5,946,000 | $118,000 | $360,000 | $56,000 | $157,000 |
| Collateral | 34 | $4,561,000 | $134,000 | $530,000 | $75,000 | $208,000 |
| Debt-To-Income Ratio | 24 | $5,730,000 | $238,000 | $1,200,000 | $54,000 | $162,000 |
| Other | 13 | $1,881,000 | $144,000 | $251,000 | $72,000 | $300,000 |
| Credit Application Incomplete | 10 | $1,020,000 | $102,000 | $245,000 | $49,000 | $104,000 |
| Employment History | 5 | $635,000 | $127,000 | $282,000 | $68,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $337,000 | $168,000 | $245,000 | $80,000 | $107,000 |
| 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 2011 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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