Jefferson Davis County, MS Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 296 mortgage applications in Jefferson Davis County, MS totaling $21.5 million, down 3% from 2009. The average application was for $72,000, and applicants reported an average income of $47,000. 33% of applications resulted in an originated loan and 47% were denied. The most active lender was Regions Bank, with 49 applications, followed by Hancock Bank and 21st Mortgage.
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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 | 296 |
| Total Mortgage Loan Application Amount | $21,477,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $1,975,000 |
| Average Applicant Income | $47,000 |
| Highest Applicant Income | $386,000 |
| 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 - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 49 | $ 2,756,000 |
| Hancock Bank ONE HANCOCK PLAZA GULFPORT, MS 39501 |
* | $ 5,301,159,000 | 32 | $ 1,255,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 28 | $ 1,236,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 23 | $ 1,976,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 343,006,000 | 16 | $ 851,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 14 | $ 699,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 13 | $ 1,217,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 13 | $ 873,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 9 | $ 604,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,396,294,000 | 9 | $ 898,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,421,986,000 | 9 | $ 224,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 8 | $ 115,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 264,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 188,537,000 | 5 | $ 585,000 |
| Grand Bank for Saving, Sfsb 204 WESTOVER DRIVE HATTIESBURG, MS 39402 |
* | $ 139,821,000 | 4 | $ 270,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,163,459,000 | 4 | $ 292,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 489,592,000 | 4 | $ 161,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 4 | $ 169,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 631,999,000 | 3 | $ 3,173,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 599,709,000 | 3 | $ 156,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 3 | $ 340,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 3 | $ 273,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 3 | $ 336,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 197,965,000 | 2 | $ 88,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 2 | $ 80,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 2 | $ 141,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 216,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 109,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 636,763,000 | 1 | $ 480,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 18,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 66,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 213,366,000 | 1 | $ 82,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 53,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 57,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 906,286,000 | 1 | $ 365,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 127,360,045,000 | 1 | $ 57,000 |
| Great Southern National Bank P O BOX 1271 MERIDIAN, MS 39302 |
* | $ 254,306,000 | 1 | $ 20,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 38,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 220,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ 839,863,000 | 1 | $ 20,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 1,808,611,000 | 1 | $ 19,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 1 | $ 134,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 60,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 138,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 39,000 |
The tables below break down 2010 mortgage applications in Jefferson Davis 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 Jefferson Davis County, MS in 2010
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 | 141 | $7,528,000 | $53,000 | $365,000 | $41,000 | $216,000 |
| Refinancing | 122 | $13,331,000 | $109,000 | $1,975,000 | $56,000 | $386,000 |
| Home Improvement | 33 | $618,000 | $18,000 | $150,000 | $35,000 | $90,000 |
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 | 146 | $7,025,000 | $48,000 | $220,000 | $40,000 | $125,000 |
| White | 123 | $12,106,000 | $98,000 | $1,975,000 | $61,000 | $386,000 |
| Not Provided | 15 | $1,243,000 | $82,000 | $213,000 | $15,000 | $30,000 |
| Not applicable | 7 | $787,000 | $112,000 | $208,000 | $0 | $0 |
| Hispanic | 2 | $145,000 | $72,000 | $110,000 | $27,000 | $47,000 |
| Asian | 2 | $154,000 | $77,000 | $127,000 | $72,000 | $126,000 |
| American Indian or Alaskan Native | 1 | $17,000 | $17,000 | $17,000 | $24,000 | $24,000 |
| 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) | 225 | $15,852,000 | $70,000 | $1,975,000 | $51,000 | $386,000 |
| FHA-insured (Federal Housing Administration) | 55 | $4,205,000 | $76,000 | $220,000 | $34,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $867,000 | $78,000 | $209,000 | $31,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 5 | $553,000 | $110,000 | $240,000 | $36,000 | $76,000 |
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 | 140 | $7,127,000 | $50,000 | $240,000 | $37,000 | $149,000 |
| Loan Originated | 97 | $10,459,000 | $107,000 | $1,975,000 | $65,000 | $386,000 |
| Application Approved But Not Accepted | 19 | $616,000 | $32,000 | $67,000 | $42,000 | $125,000 |
| Application Withdrawn By Applicant | 18 | $1,401,000 | $77,000 | $146,000 | $46,000 | $98,000 |
| Loan Purchased By The Institution | 17 | $1,631,000 | $95,000 | $219,000 | $27,000 | $77,000 |
| File Closed For Incompleteness | 5 | $243,000 | $48,000 | $88,000 | $30,000 | $50,000 |
| 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 | 30 | $1,156,000 | $38,000 | $92,000 | $39,000 | $104,000 |
| Debt-To-Income Ratio | 18 | $1,177,000 | $65,000 | $240,000 | $26,000 | $72,000 |
| Other | 4 | $230,000 | $57,000 | $63,000 | $26,000 | $61,000 |
| Collateral | 3 | $218,000 | $72,000 | $94,000 | $62,000 | $97,000 |
| Employment History | 1 | $22,000 | $22,000 | $22,000 | $57,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $129,000 | $129,000 | $129,000 | $113,000 | $113,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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