Y-12 Federal Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, Y-12 Federal Credit Union of Oak Ridge, TN reported 643 mortgage applications totaling $81.2 million, up 13% from 2011. The average application was for $126,270, and applicants reported an average income of $74,542. 68% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Knoxville, TN (446), Morristown, TN (5) and Chattanooga, TN-GA (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 | 643 |
| Total Mortgage Loan Application Amount | $81,192,000 |
| Average Mortgage Loan Application Amount | $126,270 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $74,542 |
| Highest Applicant Income | $593,000 |
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records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 395 | $50,218,000 | $127,000 | $900,000 | $73,000 | $369,000 |
| Home Purchase | 169 | $22,684,000 | $134,000 | $417,000 | $77,000 | $593,000 |
| Home Improvement | 79 | $8,290,000 | $104,000 | $409,000 | $77,000 | $211,000 |
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 | 609 | $77,252,000 | $126,000 | $634,000 | $76,000 | $593,000 |
| Black or African American | 10 | $815,000 | $81,000 | $150,000 | $40,000 | $78,000 |
| Not Provided | 9 | $895,000 | $99,000 | $190,000 | $71,000 | $160,000 |
| Not applicable | 6 | $1,312,000 | $218,000 | $900,000 | $0 | $0 |
| Asian | 5 | $481,000 | $96,000 | $174,000 | $64,000 | $99,000 |
| Hispanic | 4 | $437,000 | $109,000 | $139,000 | $95,000 | $176,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 643 | $81,192,000 | $126,000 | $900,000 | $74,000 | $593,000 |
| 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 | 438 | $52,367,000 | $119,000 | $634,000 | $78,000 | $593,000 |
| Application Denied By Financial Institution | 160 | $23,130,000 | $144,000 | $900,000 | $62,000 | $224,000 |
| Application Withdrawn By Applicant | 34 | $4,324,000 | $127,000 | $367,000 | $75,000 | $187,000 |
| Application Approved But Not Accepted | 11 | $1,371,000 | $124,000 | $255,000 | $90,000 | $170,000 |
| 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 | 47 | $6,965,000 | $148,000 | $900,000 | $62,000 | $194,000 |
| Collateral | 35 | $4,942,000 | $141,000 | $340,000 | $68,000 | $154,000 |
| Debt-To-Income Ratio | 34 | $5,074,000 | $149,000 | $409,000 | $54,000 | $166,000 |
| Credit Application Incomplete | 19 | $2,683,000 | $141,000 | $417,000 | $49,000 | $103,000 |
| Other | 14 | $2,163,000 | $154,000 | $400,000 | $94,000 | $224,000 |
| Employment History | 7 | $617,000 | $88,000 | $167,000 | $45,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $566,000 | $188,000 | $370,000 | $67,000 | $107,000 |
| Unverifiable Information | 1 | $120,000 | $120,000 | $120,000 | $99,000 | $99,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Y-12 Federal Credit Union's 2012 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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