Jefferson Davis County, MS Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 290 mortgage applications in Jefferson Davis County, MS totaling $16.4 million, down 21% from 2013. The average application was for $56,000, and applicants reported an average income of $48,000. 41% of applications resulted in an originated loan and 45% were denied. The most active lender was Regions Bank, with 64 applications, followed by Hancock Whitney Bank 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 | 290 |
| Total Mortgage Loan Application Amount | $16,357,000 |
| Average Mortgage Loan Application Amount | $56,000 |
| Highest Mortgage Loan Application Amount | $279,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $273,000 |
| 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 BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 64 | $ 2,768,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 6,615,096,000 | 39 | $ 764,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 28 | $ 1,856,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 27 | $ 1,496,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 366,409,000 | 21 | $ 1,371,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 11,681,215,000 | 11 | $ 1,029,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 8 | $ 487,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 661,510,000 | 8 | $ 671,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 7 | $ 97,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 237,114,000 | 6 | $ 248,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 501,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 5 | $ 378,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 191,454,000 | 4 | $ 248,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 4 | $ 233,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 596,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 3 | $ 228,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 3 | $ 223,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 3 | $ 105,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 345,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 543,003,000 | 3 | $ 161,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 139,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 2 | $ 147,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,032,498,000 | 2 | $ 126,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 948,472,000 | 2 | $ 50,000 |
| South Lafourche Bank PO BOX 489 LAROSE, LA 70373 |
* | $ 167,426,000 | 2 | $ 59,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 132,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 2 | $ 116,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 197,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 2,127,248,000 | 1 | $ 120,000 |
| First Security Bank P.O. BOX 690 BATESVILLE, MS 38606 |
* | $ 488,327,000 | 1 | $ 5,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 1 | $ 4,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 1 | $ 80,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 939,735,000 | 1 | $ 160,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,733,100,000 | 1 | $ 82,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 1 | $ 86,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,082,473,000 | 1 | $ 3,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 86,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 1 | $ 87,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 82,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 105,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 323,275,000 | 1 | $ 43,000 |
The tables below break down 2014 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 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 | 122 | $9,080,000 | $74,000 | $255,000 | $54,000 | $273,000 |
| Refinancing | 84 | $6,480,000 | $77,000 | $279,000 | $51,000 | $150,000 |
| Home Improvement | 84 | $797,000 | $9,000 | $60,000 | $37,000 | $154,000 |
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 | 164 | $7,519,000 | $45,000 | $275,000 | $42,000 | $154,000 |
| White | 97 | $6,395,000 | $65,000 | $255,000 | $62,000 | $273,000 |
| Not Provided | 22 | $1,444,000 | $65,000 | $279,000 | $47,000 | $119,000 |
| Not applicable | 7 | $999,000 | $142,000 | $251,000 | $15,000 | $105,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 260 | $13,554,000 | $52,000 | $279,000 | $48,000 | $273,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,354,000 | $96,000 | $159,000 | $59,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $907,000 | $82,000 | $130,000 | $34,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 5 | $542,000 | $108,000 | $129,000 | $44,000 | $60,000 |
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 | 131 | $6,287,000 | $47,000 | $255,000 | $38,000 | $150,000 |
| Loan Originated | 118 | $7,157,000 | $60,000 | $279,000 | $63,000 | $273,000 |
| Application Approved But Not Accepted | 20 | $1,013,000 | $50,000 | $105,000 | $44,000 | $144,000 |
| Loan Purchased By The Institution | 11 | $1,155,000 | $105,000 | $178,000 | $31,000 | $105,000 |
| Application Withdrawn By Applicant | 9 | $657,000 | $73,000 | $129,000 | $42,000 | $95,000 |
| File Closed For Incompleteness | 1 | $88,000 | $88,000 | $88,000 | $23,000 | $23,000 |
| 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 | 11 | $368,000 | $33,000 | $87,000 | $28,000 | $86,000 |
| Debt-To-Income Ratio | 4 | $260,000 | $65,000 | $92,000 | $25,000 | $39,000 |
| Other | 3 | $20,000 | $6,000 | $8,000 | $4,000 | $6,000 |
| Collateral | 2 | $220,000 | $110,000 | $130,000 | $53,000 | $74,000 |
| Credit Application Incomplete | 1 | $104,000 | $104,000 | $104,000 | $41,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $62,000 | $62,000 | $62,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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