Y-12 Federal Credit Union Mortgage Lending & HMDA Data, 2015
In 2015, Y-12 Federal Credit Union of Oak Ridge, TN reported 852 mortgage applications totaling $136.9 million, up 35% from 2014. The average application was for $160,720, and applicants reported an average income of $80,483. 68% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Knoxville, TN (759), Morristown, TN (8) 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 | 852 |
| Total Mortgage Loan Application Amount | $136,934,000 |
| Average Mortgage Loan Application Amount | $160,720 |
| Highest Mortgage Loan Application Amount | $1,890,000 |
| Average Applicant Income | $80,483 |
| Highest Applicant Income | $688,000 |
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records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Knoxville, TN | 759 | $ 119,383,000 | $ 157,289 | $ 80,000 |
| Morristown, TN | 8 | $ 1,096,000 | $ 137,000 | $ 67,000 |
| Johnson City, TN | 3 | $ 1,126,000 | $ 375,333 | $ 26,000 |
| Chattanooga, TN-GA | 2 | $ 433,000 | $ 216,500 | $ 67,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 412,000 | $ 206,000 | $ 103,000 |
| Memphis, TN-MS-AR | 1 | $ 276,000 | $ 276,000 | $ 263,000 |
Mortgage Loan Application Detail Totals for Y-12 Federal Credit Union in 2015
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 | 410 | $73,911,000 | $180,000 | $688,000 | $86,000 | $688,000 |
| Refinancing | 361 | $53,144,000 | $147,000 | $1,890,000 | $75,000 | $522,000 |
| Home Improvement | 81 | $9,879,000 | $121,000 | $417,000 | $77,000 | $283,000 |
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 | 790 | $124,009,000 | $156,000 | $1,890,000 | $82,000 | $688,000 |
| Black or African American | 23 | $3,443,000 | $149,000 | $384,000 | $71,000 | $122,000 |
| Not Provided | 13 | $2,767,000 | $212,000 | $500,000 | $98,000 | $220,000 |
| Asian | 11 | $3,473,000 | $315,000 | $670,000 | $64,000 | $172,000 |
| Not applicable | 7 | $1,955,000 | $279,000 | $615,000 | $0 | $0 |
| Hispanic | 6 | $1,131,000 | $188,000 | $266,000 | $86,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $136,000 | $136,000 | $136,000 | $42,000 | $42,000 |
| American Indian or Alaskan Native | 1 | $20,000 | $20,000 | $20,000 | $33,000 | $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) | 852 | $136,934,000 | $160,000 | $1,890,000 | $81,000 | $688,000 |
| 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 | 582 | $96,692,000 | $166,000 | $1,890,000 | $84,000 | $688,000 |
| Application Denied By Financial Institution | 179 | $24,800,000 | $138,000 | $506,000 | $69,000 | $308,000 |
| Application Withdrawn By Applicant | 65 | $10,847,000 | $166,000 | $615,000 | $77,000 | $220,000 |
| Application Approved But Not Accepted | 26 | $4,595,000 | $176,000 | $417,000 | $98,000 | $238,000 |
| 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 | 58 | $7,199,000 | $124,000 | $409,000 | $74,000 | $272,000 |
| Debt-To-Income Ratio | 53 | $6,878,000 | $129,000 | $506,000 | $53,000 | $142,000 |
| Credit Application Incomplete | 29 | $4,610,000 | $158,000 | $350,000 | $80,000 | $219,000 |
| Collateral | 21 | $3,182,000 | $151,000 | $502,000 | $75,000 | $308,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $807,000 | $134,000 | $263,000 | $54,000 | $92,000 |
| Other | 6 | $1,139,000 | $189,000 | $324,000 | $97,000 | $146,000 |
| Employment History | 5 | $568,000 | $113,000 | $162,000 | $48,000 | $69,000 |
| Unverifiable Information | 1 | $417,000 | $417,000 | $417,000 | $146,000 | $146,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Y-12 Federal Credit Union's 2015 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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