Y-12 Federal Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Y-12 Federal Credit Union of Oak Ridge, TN reported 2,167 mortgage applications totaling $337.1 million, up 13% from 2021. The average application was for $155,553, and applicants reported an average income of $112,770. 76% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Knoxville, TN (1,896), Morristown, TN (37) and Nashville-Davidson--Murfreesboro--Franklin, TN (14) (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 | 2,167 |
| Total Mortgage Loan Application Amount | $337,085,000 |
| Average Mortgage Loan Application Amount | $155,553 |
| Highest Mortgage Loan Application Amount | $17,555,000 |
| Average Applicant Income | $112,770 |
| Highest Applicant Income | $1,271,000 |
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records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 841 | $ 158,485,000 | $ 188,448 | $ 131,000 |
| Anderson, Tennessee | 332 | $ 41,230,000 | $ 124,186 | $ 98,000 |
| Blount, Tennessee | 298 | $ 40,390,000 | $ 135,536 | $ 110,000 |
| Campbell, Tennessee | 138 | $ 14,190,000 | $ 102,826 | $ 81,000 |
| Roane, Tennessee | 135 | $ 17,035,000 | $ 126,185 | $ 100,000 |
| Sevier, Tennessee | 101 | $ 14,665,000 | $ 145,198 | $ 99,000 |
| Loudon, Tennessee | 95 | $ 15,105,000 | $ 159,000 | $ 131,000 |
| Morgan, Tennessee | 39 | $ 5,305,000 | $ 136,025 | $ 81,000 |
| Scott, Tennessee | 26 | $ 2,300,000 | $ 88,461 | $ 102,000 |
| Jefferson, Tennessee | 21 | $ 2,135,000 | $ 101,666 | $ 81,000 |
| Monroe, Tennessee | 18 | $ 2,830,000 | $ 157,222 | $ 99,000 |
| Union, Tennessee | 18 | $ 2,780,000 | $ 154,444 | $ 92,000 |
| Cumberland, Tennessee | 16 | $ 3,540,000 | $ 221,250 | $ 97,000 |
| Hamblen, Tennessee | 11 | $ 2,755,000 | $ 250,454 | $ 101,000 |
| McMinn, Tennessee | 9 | $ 1,155,000 | $ 128,333 | $ 69,000 |
| Hamilton, Tennessee | 7 | $ 1,735,000 | $ 247,857 | $ 143,000 |
| Rutherford, Tennessee | 6 | $ 1,600,000 | $ 266,666 | $ 155,000 |
| Claiborne, Tennessee | 5 | $ 485,000 | $ 97,000 | $ 83,000 |
| Grainger, Tennessee | 5 | $ 465,000 | $ 93,000 | $ 52,000 |
| Cocke, Tennessee | 4 | $ 1,010,000 | $ 252,500 | $ 84,000 |
| Meigs, Tennessee | 4 | $ 400,000 | $ 100,000 | $ 132,000 |
| Rhea, Tennessee | 4 | $ 460,000 | $ 115,000 | $ 86,000 |
| Davidson, Tennessee | 3 | $ 1,005,000 | $ 335,000 | $ 165,000 |
| Putnam, Tennessee | 3 | $ 1,145,000 | $ 381,666 | $ 120,000 |
| Sullivan, Tennessee | 3 | $ 735,000 | $ 245,000 | $ 132,000 |
| Washington, Tennessee | 3 | $ 405,000 | $ 135,000 | $ 176,000 |
| Fentress, Tennessee | 2 | $ 150,000 | $ 75,000 | $ 97,000 |
| Greene, Tennessee | 2 | $ 140,000 | $ 70,000 | $ 118,000 |
| White, Tennessee | 2 | $ 530,000 | $ 265,000 | $ 148,000 |
| Williamson, Tennessee | 2 | $ 450,000 | $ 225,000 | $ 134,000 |
| Wilson, Tennessee | 2 | $ 800,000 | $ 400,000 | $ 152,000 |
| Hillsborough, Florida | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
| Winnebago, Illinois | 1 | $ 245,000 | $ 245,000 | $ 108,000 |
| Hennepin, Minnesota | 1 | $ 325,000 | $ 325,000 | $ 159,000 |
| Gaston, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Shelby, Ohio | 1 | $ 35,000 | $ 35,000 | $ 107,000 |
| Bradley, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Carter, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 105,000 |
| Grundy, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 125,000 |
| Hawkins, Tennessee | 1 | $ 415,000 | $ 415,000 | $ 91,000 |
| Humphreys, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Montgomery, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 246,000 |
| Sumner, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 192,000 |
Mortgage Loan Application Detail Totals for Y-12 Federal Credit Union in 2022
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 Improvement | 682 | $54,030,000 | $79,000 | $555,000 | $120,000 | $960,000 |
| Cash-out Refinancing | 512 | $87,450,000 | $170,000 | $1,665,000 | $107,000 | $959,000 |
| Home Purchase | 472 | $152,310,000 | $322,000 | $17,555,000 | $122,000 | $1,271,000 |
| Other Purpose | 397 | $26,525,000 | $66,000 | $405,000 | $102,000 | $444,000 |
| Refinancing | 104 | $16,770,000 | $161,000 | $505,000 | $93,000 | $440,000 |
| Not Applicable | 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 | 1,617 | $243,605,000 | $150,000 | $2,205,000 | $114,000 | $1,271,000 |
| Not Provided | 388 | $39,470,000 | $101,000 | $1,385,000 | $109,000 | $542,000 |
| Not applicable | 52 | $40,160,000 | $772,000 | $17,555,000 | $32,000 | $32,000 |
| Hispanic | 43 | $6,225,000 | $144,000 | $485,000 | $114,000 | $660,000 |
| Black or African American | 41 | $4,815,000 | $117,000 | $465,000 | $119,000 | $411,000 |
| Asian | 14 | $2,200,000 | $157,000 | $485,000 | $91,000 | $246,000 |
| American Indian or Alaskan Native | 10 | $480,000 | $48,000 | $115,000 | $115,000 | $309,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $130,000 | $65,000 | $105,000 | $30,000 | $33,000 |
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) | 2,158 | $335,520,000 | $155,000 | $17,555,000 | $113,000 | $1,271,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,565,000 | $173,000 | $255,000 | $65,000 | $124,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 1,646 | $269,130,000 | $163,000 | $17,555,000 | $118,000 | $1,271,000 |
| Application Denied By Financial Institution | 321 | $33,075,000 | $103,000 | $805,000 | $93,000 | $960,000 |
| Application Withdrawn By Applicant | 156 | $30,200,000 | $193,000 | $805,000 | $99,000 | $525,000 |
| Application Approved But Not Accepted | 39 | $3,605,000 | $92,000 | $395,000 | $102,000 | $326,000 |
| File Closed For Incompleteness | 5 | $1,075,000 | $215,000 | $355,000 | $103,000 | $140,000 |
| 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 | 1,846 | $304,010,000 | $164,000 | $17,555,000 | $116,000 | $1,271,000 |
| Credit History | 85 | $7,065,000 | $83,000 | $385,000 | $79,000 | $273,000 |
| Credit Application Incomplete | 78 | $5,670,000 | $72,000 | $275,000 | $94,000 | $444,000 |
| Debt-To-Income Ratio | 72 | $10,120,000 | $140,000 | $505,000 | $55,000 | $307,000 |
| Collateral | 50 | $5,620,000 | $112,000 | $335,000 | $167,000 | $960,000 |
| Other | 17 | $1,265,000 | $74,000 | $205,000 | $127,000 | $350,000 |
| Unverifiable Information | 10 | $820,000 | $82,000 | $205,000 | $75,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,265,000 | $323,000 | $805,000 | $50,000 | $93,000 |
| Employment History | 2 | $250,000 | $125,000 | $195,000 | $66,000 | $98,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Y-12 Federal Credit Union's 2022 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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