Y-12 Federal Credit Union Mortgage Lending & HMDA Data, 2013
In 2013, Y-12 Federal Credit Union of Oak Ridge, TN reported 818 mortgage applications totaling $102.6 million, up 27% from 2012. The average application was for $125,372, and applicants reported an average income of $72,242. 52% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Knoxville, TN (554), Morristown, TN (9) 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 | 818 |
| Total Mortgage Loan Application Amount | $102,555,000 |
| Average Mortgage Loan Application Amount | $125,372 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $72,242 |
| Highest Applicant Income | $532,000 |
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records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 448 | $56,570,000 | $126,000 | $1,000,000 | $71,000 | $383,000 |
| Home Purchase | 254 | $35,009,000 | $137,000 | $604,000 | $75,000 | $532,000 |
| Home Improvement | 116 | $10,976,000 | $94,000 | $529,000 | $71,000 | $213,000 |
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 | 754 | $93,137,000 | $123,000 | $1,000,000 | $73,000 | $532,000 |
| Not Provided | 24 | $2,651,000 | $110,000 | $412,000 | $54,000 | $127,000 |
| Not applicable | 11 | $2,454,000 | $223,000 | $831,000 | $0 | $0 |
| Black or African American | 11 | $970,000 | $88,000 | $148,000 | $59,000 | $110,000 |
| Hispanic | 10 | $999,000 | $99,000 | $254,000 | $71,000 | $123,000 |
| Asian | 7 | $2,248,000 | $321,000 | $712,000 | $146,000 | $287,000 |
| American Indian or Alaskan Native | 1 | $96,000 | $96,000 | $96,000 | $66,000 | $66,000 |
| 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) | 818 | $102,555,000 | $125,000 | $1,000,000 | $72,000 | $532,000 |
| 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 | 427 | $51,106,000 | $119,000 | $831,000 | $77,000 | $505,000 |
| Application Denied By Financial Institution | 303 | $40,750,000 | $134,000 | $1,000,000 | $67,000 | $532,000 |
| Application Withdrawn By Applicant | 61 | $8,311,000 | $136,000 | $712,000 | $72,000 | $261,000 |
| Application Approved But Not Accepted | 22 | $2,245,000 | $102,000 | $333,000 | $68,000 | $207,000 |
| Loan Purchased By The Institution | 5 | $143,000 | $28,000 | $37,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 126 | $16,272,000 | $129,000 | $532,000 | $66,000 | $222,000 |
| Collateral | 61 | $8,772,000 | $143,000 | $550,000 | $75,000 | $532,000 |
| Debt-To-Income Ratio | 43 | $5,964,000 | $138,000 | $1,000,000 | $48,000 | $186,000 |
| Credit Application Incomplete | 36 | $5,416,000 | $150,000 | $706,000 | $91,000 | $383,000 |
| Other | 18 | $2,156,000 | $119,000 | $381,000 | $68,000 | $146,000 |
| Employment History | 11 | $1,127,000 | $102,000 | $162,000 | $61,000 | $100,000 |
| Unverifiable Information | 5 | $848,000 | $169,000 | $529,000 | $25,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $195,000 | $65,000 | $85,000 | $52,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Y-12 Federal Credit Union's 2013 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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