Jefferson County, MS Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 127 mortgage applications in Jefferson County, MS totaling $7.5 million, down 3% from 2010. The average application was for $58,000, and applicants reported an average income of $46,000. 25% of applications resulted in an originated loan and 47% were denied. The most active lender was 21st Mortgage, with 26 applications, followed by Vanderbilt Mortgage and Finance, Inc 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 | 127 |
| Total Mortgage Loan Application Amount | $7,454,000 |
| Average Mortgage Loan Application Amount | $58,000 |
| Highest Mortgage Loan Application Amount | $396,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $240,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 26 | $ 1,034,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 25 | $ 1,248,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 15 | $ 613,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 916,922,000 | 12 | $ 434,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 8 | $ 366,000 |
| Britton & Koontz Bank, N.A. 500 MAIN STREET NATCHEZ, MS 39120 |
* | $ 375,249,000 | 7 | $ 671,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 495,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,425,755,000 | 4 | $ 387,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 3 | $ 254,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 2 | $ 122,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 2 | $ 80,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 233,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 302,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 68,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 40,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 396,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 1 | $ 52,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,228,772,000 | 1 | $ 5,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 1 | $ 142,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 20,000 |
| Community Trust Bank 2211 NORTH 7TH STREET STE. 202B WEST MONROE, LA 71291 |
* | $ 1,881,482,000 | 1 | $ 5,000 |
| First Arkansas Bank and Trust 600 WEST MAIN STREET JACKSONVILLE, AR 72076 |
* | $ 685,506,000 | 1 | $ 45,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 72,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD STE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 1 | $ 107,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 76,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 146,817,000 | 1 | $ 70,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 68,000 |
The tables below break down 2011 mortgage applications in Jefferson 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 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 | 76 | $4,382,000 | $57,000 | $396,000 | $49,000 | $240,000 |
| Home Improvement | 26 | $536,000 | $20,000 | $325,000 | $30,000 | $165,000 |
| Refinancing | 25 | $2,536,000 | $101,000 | $320,000 | $56,000 | $142,000 |
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 | 91 | $4,405,000 | $48,000 | $325,000 | $39,000 | $165,000 |
| White | 18 | $1,729,000 | $96,000 | $396,000 | $99,000 | $197,000 |
| Not applicable | 9 | $803,000 | $89,000 | $396,000 | $26,000 | $240,000 |
| Not Provided | 8 | $410,000 | $51,000 | $125,000 | $26,000 | $41,000 |
| Hispanic | 1 | $107,000 | $107,000 | $107,000 | $64,000 | $64,000 |
| 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) | 105 | $5,736,000 | $54,000 | $396,000 | $50,000 | $240,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,391,000 | $77,000 | $180,000 | $24,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $327,000 | $81,000 | $107,000 | $46,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 60 | $3,059,000 | $50,000 | $320,000 | $49,000 | $197,000 |
| Loan Originated | 32 | $1,670,000 | $52,000 | $396,000 | $41,000 | $195,000 |
| Application Approved But Not Accepted | 15 | $1,144,000 | $76,000 | $325,000 | $56,000 | $165,000 |
| Loan Purchased By The Institution | 10 | $875,000 | $87,000 | $396,000 | $28,000 | $240,000 |
| File Closed For Incompleteness | 7 | $471,000 | $67,000 | $125,000 | $46,000 | $90,000 |
| Application Withdrawn By Applicant | 3 | $235,000 | $78,000 | $107,000 | $53,000 | $64,000 |
| 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 | 12 | $429,000 | $35,000 | $64,000 | $63,000 | $197,000 |
| Debt-To-Income Ratio | 8 | $356,000 | $44,000 | $69,000 | $40,000 | $141,000 |
| Other | 2 | $352,000 | $176,000 | $302,000 | $99,000 | $102,000 |
| Unverifiable Information | 1 | $16,000 | $16,000 | $16,000 | $95,000 | $95,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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