Jasper County, MS Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 545 mortgage applications in Jasper County, MS totaling $38.1 million, up 1% from 2010. The average application was for $69,000, and applicants reported an average income of $58,000. 47% of applications resulted in an originated loan and 30% were denied. The most active lender was Magnolia State Bank, with 82 applications, followed by Community Bank, Ellisville, Mississippi and 21st Mortgage.

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Total Number of Mortgage Applications 545
Total Mortgage Loan Application Amount $38,089,000
Average Mortgage Loan Application Amount $69,000
Highest Mortgage Loan Application Amount $984,000
Average Applicant Income $58,000
Highest Applicant Income $4,747,000

Mortgage Company List for Lending in Jasper County, MS for 2011

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Magnolia State Bank
P O BOX 41
LAUREL, MS 39440
* $ 233,636,000 82 $ 5,891,000
Community Bank, Ellisville, Mississippi
P. O. BOX 265
LAUREL, MS 39441
* $ 633,140,000 58 $ 3,327,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 57 $ 2,663,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 43 $ 1,758,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,362,287,000 32 $ 1,444,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 30 $ 2,393,000
Trustmark National Bank
PO BOX 291
JACKSON, MS 39205
* $ 9,425,755,000 29 $ 2,660,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 16 $ 1,760,000
Acceptance Loan Company
121 WEST CHURCH STREET
JACKSON, AL 36545
* $ 70,000,000 16 $ 355,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 15 $ 2,529,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 14 $ 1,122,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 13 $ 862,000
Bankplus
1068 HIGHLAND COLONY PARKWAY
RIDGELAND, MS 39157
* $ 2,228,772,000 11 $ 525,000
Sunbelt Federal Credit Union
1506 CONGRESS ST
HATTIESBURG, MS 39402
* $ 163,302,000 11 $ 671,000
Omnibank
236 E CAPITOL ST
JACKSON, MS 39201
* $ 85,486,000 10 $ 525,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 9 $ 722,000
First Federal of Charleston
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,249,548,000 8 $ 274,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 7 $ 302,000
Hancock Whitney Bank
2510 14TH STREET
GULFPORT, MS 39501
* $ 5,975,926,000 6 $ 31,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 5 $ 743,000
The First, A National Banking Association
P.O. BOX 15549
HATTIESBURG, MS 39404
* $ 502,277,000 5 $ 352,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 4 $ 201,000
Grand Bank for Savings, FSB
204 WESTOVER DRIVE
HATTIESBURG, MS 39404
* $ 137,874,000 4 $ 522,000
Community Bank of Mississippi
323 EAST THIRD STREET
FLOWOOD, MS 39232
* $ 627,881,000 4 $ 534,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 398,000
Citizens National Bank of Meridian
512 22ND AVENUE
MERIDIAN, MS 39302
* $ 1,176,442,000 4 $ 414,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 328,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 650,594,000 3 $ 146,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 3 $ 340,000
First State Bank
P O BOX 506
WAYNESBORO, MS 39367
* $ 446,997,000 3 $ 72,000
Cimarron Mortgage Company
6311 RIDGEWOOD RD STE 400W
JACKSON, MS 39211
* $ 10,000,000 2 $ 247,000
First Southern Bank
PO BOX 268
COLUMBIA, MS 39429
* $ 185,644,000 2 $ 251,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 120,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 2 $ 318,000
The Bank of Forest
211 WEST THIRD STREET
FOREST, MS 39074
* $ 139,903,000 1 $ 9,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 1 $ 46,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 1 $ 38,000
Bankfirst Financial Services
110 SOUTH JEFFERSON
MACON, MS 39341
* $ 697,128,000 1 $ 155,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 1 $ 31,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 7,724,367,000 1 $ 260,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 25,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 1 $ 244,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 1 $ 85,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 48,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 1 $ 85,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 140,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 66,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 200,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 295,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 120,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 1,000
Story Bank dba Story Financial Partners
1300 MEADOWBROOK ROAD
JACKSON, MS 39211
* $ 275,275,000 1 $ 72,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 79,000
Keesler Federal Credit Union
2602 PASS ROAD
BILOXI, MS 39531
* $ 1,888,837,000 1 $ 295,000
Priorityone Bank
220 MAIN AVENUE NORTH
MAGEE, MS 39111
* $ 492,099,000 1 $ 128,000

The tables below break down 2011 mortgage applications in Jasper 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 Jasper County, MS in 2011

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 270 $16,495,000 $61,000 $984,000 $64,000 $4,747,000
Refinancing 231 $20,268,000 $87,000 $757,000 $53,000 $396,000
Home Improvement 44 $1,326,000 $30,000 $119,000 $44,000 $120,000

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 289 $22,283,000 $77,000 $984,000 $75,000 $4,747,000
Black or African American 206 $9,931,000 $48,000 $202,000 $40,000 $200,000
Not applicable 27 $3,792,000 $140,000 $757,000 $1,000 $47,000
Not Provided 20 $1,929,000 $96,000 $260,000 $70,000 $396,000
Hispanic 3 $154,000 $51,000 $70,000 $57,000 $70,000
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) 454 $29,322,000 $64,000 $984,000 $62,000 $4,747,000
FHA-insured (Federal Housing Administration) 73 $7,041,000 $96,000 $244,000 $39,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 14 $1,155,000 $82,000 $130,000 $32,000 $51,000
VA-guaranteed (Veterans Administration) 4 $571,000 $142,000 $176,000 $8,000 $34,000

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 255 $18,269,000 $71,000 $757,000 $79,000 $4,747,000
Application Denied By Financial Institution 161 $8,694,000 $54,000 $202,000 $36,000 $291,000
Loan Purchased By The Institution 42 $4,693,000 $111,000 $295,000 $32,000 $245,000
Application Approved But Not Accepted 40 $3,215,000 $80,000 $984,000 $49,000 $247,000
Application Withdrawn By Applicant 38 $2,601,000 $68,000 $187,000 $51,000 $200,000
File Closed For Incompleteness 9 $617,000 $68,000 $120,000 $47,000 $102,000
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 56 $2,804,000 $50,000 $200,000 $47,000 $291,000
Debt-To-Income Ratio 19 $1,159,000 $61,000 $200,000 $26,000 $60,000
Collateral 4 $199,000 $49,000 $76,000 $32,000 $61,000
Other 2 $39,000 $19,000 $38,000 $29,000 $35,000
Credit Application Incomplete 1 $146,000 $146,000 $146,000 $68,000 $68,000
Employment History 1 $19,000 $19,000 $19,000 $32,000 $32,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 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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