Y-12 Federal Credit Union Mortgage Lending & HMDA Data, 2017
In 2017, Y-12 Federal Credit Union of Oak Ridge, TN reported 735 mortgage applications totaling $123.9 million, down 8% from 2016. The average application was for $168,568, and applicants reported an average income of $79,703. 68% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Knoxville, TN (638), Morristown, TN (14) and Chattanooga, TN-GA (2) (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 | 735 |
| Total Mortgage Loan Application Amount | $123,898,000 |
| Average Mortgage Loan Application Amount | $168,568 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $79,703 |
| Highest Applicant Income | $319,000 |
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records Y-12 Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 359 | $69,582,000 | $193,000 | $1,800,000 | $85,000 | $279,000 |
| Refinancing | 295 | $44,387,000 | $150,000 | $1,000,000 | $74,000 | $319,000 |
| Home Improvement | 81 | $9,929,000 | $122,000 | $424,000 | $77,000 | $263,000 |
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 | 659 | $108,220,000 | $164,000 | $880,000 | $81,000 | $319,000 |
| Hispanic | 20 | $3,950,000 | $197,000 | $557,000 | $70,000 | $149,000 |
| Not Provided | 18 | $4,725,000 | $262,000 | $1,800,000 | $101,000 | $279,000 |
| Black or African American | 17 | $2,492,000 | $146,000 | $474,000 | $76,000 | $168,000 |
| Not applicable | 11 | $2,874,000 | $261,000 | $1,000,000 | $0 | $0 |
| Asian | 5 | $779,000 | $155,000 | $315,000 | $56,000 | $88,000 |
| American Indian or Alaskan Native | 4 | $580,000 | $145,000 | $164,000 | $98,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $278,000 | $278,000 | $278,000 | $35,000 | $35,000 |
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) | 735 | $123,898,000 | $168,000 | $1,800,000 | $80,000 | $319,000 |
| 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 | 497 | $83,173,000 | $167,000 | $760,000 | $83,000 | $319,000 |
| Application Denied By Financial Institution | 107 | $15,146,000 | $141,000 | $403,000 | $61,000 | $195,000 |
| Application Withdrawn By Applicant | 80 | $15,831,000 | $197,000 | $1,800,000 | $81,000 | $224,000 |
| Application Approved But Not Accepted | 46 | $8,459,000 | $183,000 | $880,000 | $83,000 | $235,000 |
| File Closed For Incompleteness | 5 | $1,289,000 | $257,000 | $506,000 | $135,000 | $235,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 34 | $5,012,000 | $147,000 | $327,000 | $44,000 | $154,000 |
| Credit History | 29 | $3,541,000 | $122,000 | $240,000 | $66,000 | $160,000 |
| Collateral | 27 | $3,898,000 | $144,000 | $265,000 | $65,000 | $143,000 |
| Credit Application Incomplete | 9 | $1,318,000 | $146,000 | $403,000 | $84,000 | $195,000 |
| Unverifiable Information | 6 | $892,000 | $148,000 | $261,000 | $81,000 | $156,000 |
| Other | 2 | $485,000 | $242,000 | $400,000 | $75,000 | $77,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Y-12 Federal Credit Union's 2017 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
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