Y-12 Federal Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, Y-12 Federal Credit Union of Oak Ridge, TN reported 740 mortgage applications totaling $128.8 million, up 1% from 2017. The average application was for $174,000, and applicants reported an average income of $86,874. 70% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Knoxville, TN (638), Morristown, TN (12) and Nashville-Davidson--Murfreesboro--Franklin, TN (5) (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 | 740 |
| Total Mortgage Loan Application Amount | $128,760,000 |
| Average Mortgage Loan Application Amount | $174,000 |
| Highest Mortgage Loan Application Amount | $2,025,000 |
| Average Applicant Income | $86,874 |
| Highest Applicant Income | $544,000 |
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records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 278 | $ 53,900,000 | $ 193,884 | $ 98,000 |
| Anderson, Tennessee | 109 | $ 16,945,000 | $ 155,458 | $ 74,000 |
| Blount, Tennessee | 87 | $ 16,285,000 | $ 187,183 | $ 89,000 |
| Campbell, Tennessee | 72 | $ 8,820,000 | $ 122,500 | $ 67,000 |
| Roane, Tennessee | 52 | $ 8,240,000 | $ 158,461 | $ 81,000 |
| Sevier, Tennessee | 38 | $ 7,000,000 | $ 184,210 | $ 89,000 |
| Loudon, Tennessee | 19 | $ 3,815,000 | $ 200,789 | $ 89,000 |
| Morgan, Tennessee | 16 | $ 2,640,000 | $ 165,000 | $ 71,000 |
| Scott, Tennessee | 13 | $ 1,645,000 | $ 126,538 | $ 64,000 |
| Jefferson, Tennessee | 10 | $ 2,180,000 | $ 218,000 | $ 113,000 |
| Monroe, Tennessee | 8 | $ 1,230,000 | $ 153,750 | $ 88,000 |
| McMinn, Tennessee | 6 | $ 890,000 | $ 148,333 | $ 100,000 |
| Cumberland, Tennessee | 4 | $ 530,000 | $ 132,500 | $ 78,000 |
| Union, Tennessee | 4 | $ 490,000 | $ 122,500 | $ 95,000 |
| Cocke, Tennessee | 3 | $ 285,000 | $ 95,000 | $ 28,000 |
| Hamilton, Tennessee | 3 | $ 525,000 | $ 175,000 | $ 117,000 |
| Claiborne, Tennessee | 2 | $ 450,000 | $ 225,000 | $ 68,000 |
| Hamblen, Tennessee | 2 | $ 430,000 | $ 215,000 | $ 76,000 |
| Bradley, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| Davidson, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 113,000 |
| Fentress, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 38,000 |
| Grainger, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Hawkins, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 125,000 |
| Macon, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Marshall, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Maury, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 102,000 |
| Rhea, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 151,000 |
| Shelby, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Sullivan, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 126,000 |
| Van Buren, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Williamson, Tennessee | 1 | $ 365,000 | $ 365,000 | $ 118,000 |
| Wilson, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Y-12 Federal Credit Union in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 460 | $85,250,000 | $185,000 | $2,025,000 | $91,000 | $544,000 |
| Refinancing | 231 | $37,615,000 | $162,000 | $585,000 | $80,000 | $366,000 |
| Cash-out Refinancing | 44 | $5,340,000 | $121,000 | $325,000 | $83,000 | $326,000 |
| Home Improvement | 5 | $555,000 | $111,000 | $205,000 | $59,000 | $81,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 685 | $116,665,000 | $170,000 | $585,000 | $87,000 | $544,000 |
| Black or African American | 20 | $3,500,000 | $175,000 | $305,000 | $68,000 | $150,000 |
| Not Provided | 18 | $2,760,000 | $153,000 | $315,000 | $119,000 | $305,000 |
| Not applicable | 9 | $4,165,000 | $462,000 | $2,025,000 | $0 | $0 |
| Hispanic | 5 | $1,195,000 | $239,000 | $485,000 | $69,000 | $165,000 |
| Asian | 2 | $290,000 | $145,000 | $165,000 | $76,000 | $103,000 |
| American Indian or Alaskan Native | 1 | $185,000 | $185,000 | $185,000 | $137,000 | $137,000 |
| 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) | 740 | $128,760,000 | $174,000 | $2,025,000 | $87,000 | $544,000 |
| 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 | 517 | $91,915,000 | $177,000 | $2,025,000 | $90,000 | $544,000 |
| Application Denied By Financial Institution | 109 | $16,675,000 | $152,000 | $585,000 | $69,000 | $240,000 |
| Application Approved But Not Accepted | 76 | $13,240,000 | $174,000 | $395,000 | $87,000 | $459,000 |
| Application Withdrawn By Applicant | 37 | $6,655,000 | $179,000 | $425,000 | $86,000 | $214,000 |
| File Closed For Incompleteness | 1 | $275,000 | $275,000 | $275,000 | $326,000 | $326,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 631 | $112,085,000 | $177,000 | $2,025,000 | $90,000 | $544,000 |
| Credit History | 34 | $4,240,000 | $124,000 | $255,000 | $73,000 | $181,000 |
| Debt-To-Income Ratio | 30 | $4,270,000 | $142,000 | $275,000 | $43,000 | $100,000 |
| Collateral | 19 | $3,715,000 | $195,000 | $585,000 | $96,000 | $240,000 |
| Credit Application Incomplete | 10 | $1,530,000 | $153,000 | $295,000 | $96,000 | $204,000 |
| Other | 6 | $870,000 | $145,000 | $385,000 | $61,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,385,000 | $277,000 | $485,000 | $90,000 | $214,000 |
| Employment History | 4 | $550,000 | $137,000 | $245,000 | $42,000 | $49,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $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 2018 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About