Jefferson County, MS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 169 mortgage applications in Jefferson County, MS totaling $9.7 million, up 33% from 2011. The average application was for $57,000, and applicants reported an average income of $60,000. 26% of applications resulted in an originated loan and 53% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 27 applications, followed by 21st Mortgage and State Bank & Trust Company.
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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 | 169 |
| Total Mortgage Loan Application Amount | $9,739,000 |
| Average Mortgage Loan Application Amount | $57,000 |
| Highest Mortgage Loan Application Amount | $337,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $695,000 |
| 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 | 27 | $ 1,237,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 26 | $ 1,191,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 921,053,000 | 15 | $ 519,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 14 | $ 726,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 10 | $ 582,000 |
| Britton & Koontz Bank, N.A. 500 MAIN STREET NATCHEZ, MS 39120 |
* | $ 365,845,000 | 9 | $ 135,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 628,766,000 | 8 | $ 421,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 6 | $ 794,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 6 | $ 323,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,612,081,000 | 5 | $ 316,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 5 | $ 679,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 330,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 4 | $ 54,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 3 | $ 245,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 213,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 212,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 630,628,000 | 2 | $ 81,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ 140,269,000 | 2 | $ 11,000 |
| Dept of Corrections Credit Uni PO BOX 4789 BATON ROUGE, LA 70821 |
* | $ 68,222,000 | 2 | $ 40,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 157,780,000 | 2 | $ 41,000 |
| Centennial Bank P.O. BOX 308 TREZEVANT, TN 38258 |
* | $ 264,090,000 | 1 | $ 74,000 |
| Cross Keys Bank PO BOX 142 MONROE, LA 71207 |
* | $ 317,561,000 | 1 | $ 25,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,196,437,000 | 1 | $ 109,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 4,988,392,000 | 1 | $ 71,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 95,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,562,678,000 | 1 | $ 73,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 1 | $ 75,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 133,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 1 | $ 65,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 236,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 2,000 |
The tables below break down 2012 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 2012
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 | 99 | $5,373,000 | $54,000 | $160,000 | $51,000 | $197,000 |
| Home Improvement | 38 | $431,000 | $11,000 | $75,000 | $42,000 | $120,000 |
| Refinancing | 32 | $3,935,000 | $122,000 | $337,000 | $111,000 | $695,000 |
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 | 104 | $5,400,000 | $51,000 | $324,000 | $46,000 | $244,000 |
| White | 39 | $2,708,000 | $69,000 | $236,000 | $108,000 | $695,000 |
| Not Provided | 25 | $1,577,000 | $63,000 | $337,000 | $47,000 | $120,000 |
| Not applicable | 1 | $54,000 | $54,000 | $54,000 | $0 | $0 |
| 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) | 146 | $7,705,000 | $52,000 | $337,000 | $60,000 | $695,000 |
| FHA-insured (Federal Housing Administration) | 20 | $1,737,000 | $86,000 | $180,000 | $67,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $297,000 | $99,000 | $122,000 | $23,000 | $35,000 |
| 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 | 90 | $4,699,000 | $52,000 | $337,000 | $52,000 | $684,000 |
| Loan Originated | 44 | $2,627,000 | $59,000 | $324,000 | $80,000 | $695,000 |
| Application Approved But Not Accepted | 19 | $818,000 | $43,000 | $91,000 | $51,000 | $197,000 |
| Application Withdrawn By Applicant | 7 | $730,000 | $104,000 | $236,000 | $81,000 | $139,000 |
| Loan Purchased By The Institution | 7 | $727,000 | $103,000 | $149,000 | $41,000 | $97,000 |
| File Closed For Incompleteness | 2 | $138,000 | $69,000 | $71,000 | $63,000 | $92,000 |
| 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 | 23 | $1,017,000 | $44,000 | $90,000 | $45,000 | $98,000 |
| Debt-To-Income Ratio | 18 | $1,093,000 | $60,000 | $337,000 | $43,000 | $120,000 |
| Collateral | 2 | $366,000 | $183,000 | $317,000 | $164,000 | $227,000 |
| Other | 2 | $78,000 | $39,000 | $76,000 | $65,000 | $85,000 |
| Unverifiable Information | 2 | $358,000 | $179,000 | $180,000 | $62,000 | $65,000 |
| Credit Application Incomplete | 1 | $70,000 | $70,000 | $70,000 | $80,000 | $80,000 |
| Employment History | 1 | $49,000 | $49,000 | $49,000 | $19,000 | $19,000 |
| 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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