Jefferson Davis County, MS Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 273 mortgage applications in Jefferson Davis County, MS totaling $15.9 million, down 8% from 2010. The average application was for $58,000, and applicants reported an average income of $52,000. 28% of applications resulted in an originated loan and 45% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 57 applications, followed by 21st Mortgage and Regions Bank.
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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 | 273 |
| Total Mortgage Loan Application Amount | $15,887,000 |
| Average Mortgage Loan Application Amount | $58,000 |
| Highest Mortgage Loan Application Amount | $338,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $1,728,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 57 | $ 3,084,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 24 | $ 903,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 22 | $ 695,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 5,975,926,000 | 22 | $ 1,116,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 14 | $ 1,072,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 13 | $ 177,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 12 | $ 365,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 360,004,000 | 11 | $ 302,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 214,063,000 | 8 | $ 288,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,425,755,000 | 8 | $ 1,001,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 7 | $ 785,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 7 | $ 449,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 633,140,000 | 7 | $ 663,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 492,099,000 | 7 | $ 313,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 185,644,000 | 5 | $ 371,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 5 | $ 509,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 4 | $ 297,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 4 | $ 292,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 160,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 194,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 223,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 104,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,362,287,000 | 2 | $ 237,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 161,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 118,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 45,000 |
| Copiah Bank, N.A. 101 CALDWELL DRIVE HAZLEHURST, MS 39083 |
* | $ 148,619,000 | 1 | $ 25,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 502,277,000 | 1 | $ 45,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 1 | $ 190,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 56,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 1 | $ 54,000 |
| First Arkansas Bank and Trust 600 WEST MAIN STREET JACKSONVILLE, AR 72076 |
* | $ 685,506,000 | 1 | $ 54,000 |
| South Lafourche Bank PO BOX 489 LAROSE, LA 70373 |
* | $ 166,945,000 | 1 | $ 23,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 650,594,000 | 1 | $ 70,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 916,922,000 | 1 | $ 261,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ 137,874,000 | 1 | $ 93,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 1 | $ 63,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 74,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 133,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 120,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 54,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 233,636,000 | 1 | $ 71,000 |
| South Louisiana Bank 1362 WEST TUNNEL BLVD. HOUMA, LA 70360 |
* | $ 381,317,000 | 1 | $ 253,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 150,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 1 | $ 63,000 |
The tables below break down 2011 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 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 | 160 | $8,812,000 | $55,000 | $329,000 | $53,000 | $1,728,000 |
| Refinancing | 81 | $6,630,000 | $81,000 | $338,000 | $53,000 | $254,000 |
| Home Improvement | 32 | $445,000 | $13,000 | $173,000 | $40,000 | $134,000 |
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 | 144 | $6,731,000 | $46,000 | $189,000 | $50,000 | $1,728,000 |
| White | 104 | $7,479,000 | $71,000 | $338,000 | $62,000 | $254,000 |
| Not applicable | 14 | $874,000 | $62,000 | $190,000 | $2,000 | $31,000 |
| Not Provided | 9 | $748,000 | $83,000 | $167,000 | $49,000 | $117,000 |
| Hispanic | 1 | $40,000 | $40,000 | $40,000 | $12,000 | $12,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $24,000 | $24,000 |
| Asian | 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) | 225 | $12,244,000 | $54,000 | $338,000 | $56,000 | $1,728,000 |
| FHA-insured (Federal Housing Administration) | 35 | $2,605,000 | $74,000 | $167,000 | $34,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $704,000 | $70,000 | $150,000 | $24,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 3 | $334,000 | $111,000 | $133,000 | $44,000 | $86,000 |
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 | 124 | $6,651,000 | $53,000 | $329,000 | $53,000 | $1,728,000 |
| Loan Originated | 76 | $4,804,000 | $63,000 | $338,000 | $63,000 | $254,000 |
| Application Approved But Not Accepted | 29 | $1,463,000 | $50,000 | $150,000 | $41,000 | $88,000 |
| Loan Purchased By The Institution | 21 | $1,619,000 | $77,000 | $190,000 | $26,000 | $159,000 |
| Application Withdrawn By Applicant | 18 | $1,037,000 | $57,000 | $200,000 | $39,000 | $124,000 |
| File Closed For Incompleteness | 5 | $313,000 | $62,000 | $93,000 | $75,000 | $117,000 |
| 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 | 32 | $1,518,000 | $47,000 | $130,000 | $99,000 | $1,728,000 |
| Debt-To-Income Ratio | 14 | $562,000 | $40,000 | $101,000 | $27,000 | $56,000 |
| Other | 3 | $165,000 | $55,000 | $63,000 | $8,000 | $26,000 |
| Employment History | 1 | $14,000 | $14,000 | $14,000 | $30,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $329,000 | $329,000 | $329,000 | $240,000 | $240,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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