Choctaw County, MS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 225 mortgage applications in Choctaw County, MS totaling $18.2 million, up 17% from 2011. The average application was for $81,000, and applicants reported an average income of $51,000. 51% of applications resulted in an originated loan and 25% were denied. The most active lender was Regions Bank, with 46 applications, followed by Merchants and Farmers Bank and Wells Fargo Bank NA.
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| 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 | 225 |
| Total Mortgage Loan Application Amount | $18,231,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $187,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 46 | $ 2,963,000 |
| Merchants and Farmers Bank 134 WEST WASHINGTON ST KOSCIUSKO, MS 39090 |
* | $ 1,561,320,000 | 27 | $ 1,731,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 16 | $ 1,475,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 12,990,345,000 | 15 | $ 930,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 13 | $ 629,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 718,860,000 | 11 | $ 1,354,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 9 | $ 740,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 731,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,196,437,000 | 8 | $ 484,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,612,081,000 | 6 | $ 736,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 5 | $ 566,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 4 | $ 457,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 429,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 202,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 353,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 229,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 216,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 628,766,000 | 3 | $ 215,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 3 | $ 155,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 336,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 2 | $ 67,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 2 | $ 149,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD ROAD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 2 | $ 147,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 128,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 3,907,053,000 | 2 | $ 65,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,115,696,000 | 1 | $ 261,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 1,963,514,000 | 1 | $ 41,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,276,082,000 | 1 | $ 60,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ 853,660,000 | 1 | $ 4,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 95,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 304,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 1 | $ 76,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 49,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 206,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 95,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 130,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 1 | $ 78,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 171,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 130,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 116,000 |
The tables below break down 2012 mortgage applications in Choctaw County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Choctaw County, MS 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 | 130 | $12,597,000 | $96,000 | $360,000 | $53,000 | $187,000 |
| Home Purchase | 65 | $5,050,000 | $77,000 | $295,000 | $48,000 | $182,000 |
| Home Improvement | 30 | $584,000 | $19,000 | $128,000 | $46,000 | $123,000 |
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 | 158 | $12,371,000 | $78,000 | $304,000 | $57,000 | $187,000 |
| Black or African American | 26 | $1,448,000 | $55,000 | $128,000 | $43,000 | $123,000 |
| Not Provided | 22 | $2,013,000 | $91,000 | $260,000 | $56,000 | $176,000 |
| Not applicable | 19 | $2,399,000 | $126,000 | $360,000 | $5,000 | $89,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 172 | $13,234,000 | $76,000 | $360,000 | $56,000 | $187,000 |
| FHA-insured (Federal Housing Administration) | 36 | $3,132,000 | $87,000 | $193,000 | $38,000 | $176,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $990,000 | $90,000 | $206,000 | $30,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 6 | $875,000 | $145,000 | $211,000 | $28,000 | $111,000 |
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 | 115 | $9,235,000 | $80,000 | $347,000 | $60,000 | $187,000 |
| Application Denied By Financial Institution | 56 | $3,698,000 | $66,000 | $360,000 | $35,000 | $129,000 |
| Loan Purchased By The Institution | 25 | $2,638,000 | $105,000 | $295,000 | $24,000 | $92,000 |
| Application Approved But Not Accepted | 12 | $800,000 | $66,000 | $149,000 | $58,000 | $123,000 |
| Application Withdrawn By Applicant | 10 | $1,018,000 | $101,000 | $165,000 | $80,000 | $176,000 |
| File Closed For Incompleteness | 7 | $842,000 | $120,000 | $201,000 | $73,000 | $120,000 |
| 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 | 19 | $938,000 | $49,000 | $122,000 | $36,000 | $84,000 |
| Debt-To-Income Ratio | 7 | $363,000 | $51,000 | $76,000 | $37,000 | $129,000 |
| Credit Application Incomplete | 3 | $218,000 | $72,000 | $127,000 | $32,000 | $50,000 |
| Collateral | 2 | $353,000 | $176,000 | $304,000 | $56,000 | $112,000 |
| Other | 1 | $360,000 | $360,000 | $360,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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