Claiborne County, MS Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 141 mortgage applications in Claiborne County, MS totaling $10.2 million, down 25% from 2013. The average application was for $72,000, and applicants reported an average income of $43,000. 35% of applications resulted in an originated loan and 42% were denied. The most active lender was State Bank & Trust Company, with 33 applications, followed by 21st Mortgage 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 | 141 |
| Total Mortgage Loan Application Amount | $10,232,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $2,025,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $229,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 948,472,000 | 33 | $ 478,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 16 | $ 809,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 457,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 9 | $ 355,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 11,681,215,000 | 9 | $ 433,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,032,498,000 | 8 | $ 471,000 |
| Home Bank, NA 503 KALISTE SALOOM RD LAFAYETTE, LA 70598 |
* | $ 984,212,000 | 5 | $ 402,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 384,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 390,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 3 | $ 131,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 145,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 3 | $ 450,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 3 | $ 476,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 3 | $ 324,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 3 | $ 212,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 2 | $ 123,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 223,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 174,491,000 | 2 | $ 90,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,385,232,000 | 2 | $ 2,029,000 |
| Liberty Bank 6600 PLAZA DRIVE NEW ORLEANS, LA 70127 |
* | $ 547,984,000 | 1 | $ 180,000 |
| The Home Lending Group, LLC 215 KATHERINE DRIVE FLOWOOD, MS 39232 |
* | $ 22,596,000 | 1 | $ 179,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 184,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 1 | $ 60,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 1,150,854,000 | 1 | $ 21,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 50,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 40,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 45,000 |
| Kondaur Capital Corporation 333 S ANITA DR STE 400 ORANGE, CA 92868 |
* | $ 54,713,000 | 1 | $ 145,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 394,950,000 | 1 | $ 1,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 586,512,000 | 1 | $ 87,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 78,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 127,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 204,003,000 | 1 | $ 7,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 464,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ 186,716,000 | 1 | $ 1,000 |
The tables below break down 2014 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 2014
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 | 50 | $3,514,000 | $70,000 | $464,000 | $48,000 | $220,000 |
| Refinancing | 46 | $6,073,000 | $132,000 | $2,025,000 | $52,000 | $229,000 |
| Home Improvement | 45 | $645,000 | $14,000 | $127,000 | $28,000 | $121,000 |
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 | 112 | $5,535,000 | $49,000 | $320,000 | $36,000 | $194,000 |
| White | 19 | $1,337,000 | $70,000 | $184,000 | $85,000 | $220,000 |
| Not Provided | 5 | $528,000 | $105,000 | $158,000 | $75,000 | $229,000 |
| Not applicable | 4 | $2,746,000 | $686,000 | $2,025,000 | $0 | $0 |
| Asian | 1 | $86,000 | $86,000 | $86,000 | $33,000 | $33,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 122 | $7,826,000 | $64,000 | $2,025,000 | $44,000 | $229,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,041,000 | $86,000 | $151,000 | $30,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,079,000 | $269,000 | $464,000 | $65,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $286,000 | $95,000 | $158,000 | $20,000 | $44,000 |
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 | 59 | $3,588,000 | $60,000 | $320,000 | $37,000 | $194,000 |
| Loan Originated | 50 | $4,056,000 | $81,000 | $2,025,000 | $39,000 | $220,000 |
| Application Approved But Not Accepted | 15 | $705,000 | $47,000 | $127,000 | $58,000 | $203,000 |
| Application Withdrawn By Applicant | 9 | $640,000 | $71,000 | $180,000 | $61,000 | $100,000 |
| Loan Purchased By The Institution | 6 | $1,038,000 | $173,000 | $464,000 | $21,000 | $61,000 |
| File Closed For Incompleteness | 2 | $205,000 | $102,000 | $120,000 | $175,000 | $229,000 |
| 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 | 8 | $133,000 | $16,000 | $50,000 | $51,000 | $177,000 |
| Debt-To-Income Ratio | 7 | $821,000 | $117,000 | $240,000 | $31,000 | $60,000 |
| Collateral | 3 | $527,000 | $175,000 | $320,000 | $134,000 | $194,000 |
| Other | 3 | $200,000 | $66,000 | $150,000 | $37,000 | $56,000 |
| Credit Application Incomplete | 2 | $221,000 | $110,000 | $181,000 | $0 | $0 |
| Unverifiable Information | 1 | $116,000 | $116,000 | $116,000 | $78,000 | $78,000 |
| 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 |
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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