Claiborne County, MS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 204 mortgage applications in Claiborne County, MS totaling $11.5 million, up 5% from 2011. The average application was for $56,000, and applicants reported an average income of $44,000. 32% of applications resulted in an originated loan and 44% were denied. The most active lender was 21st Mortgage, with 40 applications, followed by State Bank & Trust Company and Vanderbilt Mortgage and Finance, Inc.
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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 | 204 |
| Total Mortgage Loan Application Amount | $11,481,000 |
| Average Mortgage Loan Application Amount | $56,000 |
| Highest Mortgage Loan Application Amount | $254,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $900,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 40 | $ 1,871,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 921,053,000 | 39 | $ 882,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 38 | $ 2,054,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 13 | $ 855,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,612,081,000 | 9 | $ 179,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 920,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 6 | $ 542,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 6 | $ 356,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 232,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 628,766,000 | 4 | $ 133,000 |
| First Federal Savings and Loan Association of Pascagoula - Moss Point 903 JACKSON AVENUE PASCAGOULA, MS 39567 |
* | $ 267,984,000 | 3 | $ 300,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 3 | $ 168,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 12,990,345,000 | 2 | $ 253,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 2 | $ 177,000 |
| Britton & Koontz Bank, N.A. 500 MAIN STREET NATCHEZ, MS 39120 |
* | $ 365,845,000 | 2 | $ 268,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 2 | $ 148,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 249,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 20,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 205,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 78,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 95,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 1 | $ 8,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 1 | $ 115,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 157,780,000 | 1 | $ 56,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,177,006,000 | 1 | $ 112,000 |
| Liberty Bank 6600 PLAZA DRIVE NEW ORLEANS, LA 70127 |
* | $ 558,009,000 | 1 | $ 71,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 90,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 159,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 56,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 1 | $ 150,000 |
| Nola Lending Group, LLC 830 W CAUSEWAY BLVD MANDEVILLE, LA 70471 |
* | $ 28,686,000 | 1 | $ 177,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 78,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 138,000 |
The tables below break down 2012 mortgage applications in Claiborne 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 Claiborne 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 109 | $6,480,000 | $59,000 | $250,000 | $43,000 | $225,000 |
| Refinancing | 48 | $4,490,000 | $93,000 | $254,000 | $64,000 | $900,000 |
| Home Improvement | 47 | $511,000 | $10,000 | $88,000 | $27,000 | $108,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 145 | $6,760,000 | $46,000 | $219,000 | $35,000 | $123,000 |
| White | 36 | $3,442,000 | $95,000 | $254,000 | $89,000 | $900,000 |
| Not Provided | 18 | $773,000 | $42,000 | $117,000 | $33,000 | $56,000 |
| Not applicable | 4 | $501,000 | $125,000 | $160,000 | $14,000 | $56,000 |
| Hispanic | 1 | $5,000 | $5,000 | $5,000 | $21,000 | $21,000 |
| 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) | 166 | $7,876,000 | $47,000 | $250,000 | $44,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 28 | $2,532,000 | $90,000 | $254,000 | $41,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $551,000 | $91,000 | $173,000 | $43,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 4 | $522,000 | $130,000 | $219,000 | $62,000 | $109,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 89 | $4,213,000 | $47,000 | $250,000 | $34,000 | $225,000 |
| Loan Originated | 66 | $3,136,000 | $47,000 | $180,000 | $41,000 | $150,000 |
| Application Approved But Not Accepted | 25 | $1,650,000 | $66,000 | $204,000 | $87,000 | $900,000 |
| Application Withdrawn By Applicant | 17 | $1,842,000 | $108,000 | $254,000 | $52,000 | $109,000 |
| Loan Purchased By The Institution | 6 | $606,000 | $101,000 | $138,000 | $30,000 | $56,000 |
| File Closed For Incompleteness | 1 | $34,000 | $34,000 | $34,000 | $41,000 | $41,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 20 | $840,000 | $42,000 | $133,000 | $30,000 | $54,000 |
| Credit History | 15 | $602,000 | $40,000 | $115,000 | $39,000 | $73,000 |
| Other | 6 | $465,000 | $77,000 | $150,000 | $26,000 | $63,000 |
| Collateral | 3 | $381,000 | $127,000 | $250,000 | $105,000 | $225,000 |
| Credit Application Incomplete | 1 | $93,000 | $93,000 | $93,000 | $96,000 | $96,000 |
| 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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