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records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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.
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