Kemper County, MS Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 181 mortgage applications in Kemper County, MS totaling $12.8 million, down 25% from 2005. The average application was for $70,000, and applicants reported an average income of $49,000. 33% of applications resulted in an originated loan and 36% were denied. The most active lender was Wells Fargo Fin'l Mississippi, with 11 applications, followed by Wells Fargo Bank, NA and Gmac Mortgage LLC.
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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 | 181 |
| Total Mortgage Loan Application Amount | $12,752,000 |
| Average Mortgage Loan Application Amount | $70,000 |
| Highest Mortgage Loan Application Amount | $421,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $360,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Fin'l Mississippi 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 11 | $ 871,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 8 | $ 877,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 8 | $ 930,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 7 | $ 384,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 81,074,402,000 | 7 | $ 413,000 |
| Bankfirst Financial Services 110 SOUTH JEFFERSON MACON, MS 39341 |
* | $ 492,470,000 | 6 | $ 259,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 6 | $ 360,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,013,985,000,000 | 6 | $ 257,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 208,867,410,000 | 5 | $ 378,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 75,051,579,000 | 5 | $ 203,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 36,499,554,000 | 5 | $ 368,000 |
| Amsouth Bank P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 52,569,628,000 | 5 | $ 441,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 4 | $ 257,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 3,387,027,000 | 4 | $ 272,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 4 | $ 169,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 8,239,012,000 | 4 | $ 341,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 119,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 3 | $ 169,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 317,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 3 | $ 156,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 1,611,721,000 | 3 | $ 130,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 6,179,872,000 | 3 | $ 184,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 3 | $ 146,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 22,481,092,000 | 2 | $ 78,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 19,653,232,000 | 2 | $ 310,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 2 | $ 121,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 2,394,802,000 | 2 | $ 70,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 2 | $ 196,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 90,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 670,504,000 | 2 | $ 160,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 936,830,000 | 2 | $ 84,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 108,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 82,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 120,000 |
| Resmae Mortgage Corporation 6 POINTE DRIVE BREA, CA 92821 |
* | $ 10,000,000 | 2 | $ 111,000 |
| Best Rate Funding Corp 2 MAC ARTHUR PLACE, STE. 800 SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 122,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Fmf Capital LLC 25800 NORTHWESTERN HWY, STE. 500 SOUTHFIELD, MI 48075 |
* | $ 180,821,000 | 1 | $ 62,000 |
| Executive Mortgage Corp. of Ms 582 LAKELAND EAST DRIVE, STE C FLOWOOD, MS 39232 |
* | $ 124,011,000 | 1 | $ 120,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 79,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 69,482,177,000 | 1 | $ 63,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Kellner Mortgage Investments 5055 W. PARK BLVD., SUITE 600 PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 1 | $ 169,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Webster Bank, N.A. 145 BANK ST WATERBURY, CT 06702 |
* | $ 17,599,320,000 | 1 | $ 158,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 150,679,481,000 | 1 | $ 63,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 1 | $ 100,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 59,000 |
| First Nat. Bank of Central Al 2323 PAUL W. BRYANT DRIVE TUSCALOOSA, AL 35401 |
* | $ 203,463,000 | 1 | $ 140,000 |
| Merchants and Farmers Bank 134 WEST WASHINGTON ST KOSCIUSKO, MS 39090 |
* | $ 1,263,804,000 | 1 | $ 35,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 16,981,282,000 | 1 | $ 72,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 81,074,402,000 | 1 | $ 155,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 429,958,000 | 1 | $ 45,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 12,218,679,000 | 1 | $ 57,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 20,329,938,000 | 1 | $ 40,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,218,381,000 | 1 | $ 84,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 2,429,481,000 | 1 | $ 95,000 |
| Tnbank 401 S ILLINOIS AVENUE OAK RIDGE, TN 37830 |
* | $ 146,811,000 | 1 | $ 17,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 1 | $ 63,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 64,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 24,644,357,000 | 1 | $ 82,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 60,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 1 | $ 72,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,692,258,000 | 1 | $ 68,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,054,001,000 | 1 | $ 63,000 |
The tables below break down 2006 mortgage applications in Kemper 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 Kemper County, MS in 2006
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 |
|---|---|---|---|---|---|---|
| Refinancing | 95 | $6,712,000 | $70,000 | $248,000 | $49,000 | $151,000 |
| Home Purchase | 70 | $5,359,000 | $76,000 | $421,000 | $48,000 | $360,000 |
| Home Improvement | 16 | $681,000 | $42,000 | $150,000 | $50,000 | $200,000 |
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 | 80 | $5,126,000 | $64,000 | $421,000 | $45,000 | $360,000 |
| White | 65 | $5,628,000 | $86,000 | $248,000 | $62,000 | $200,000 |
| Not Provided | 25 | $1,196,000 | $47,000 | $72,000 | $42,000 | $151,000 |
| Not applicable | 11 | $802,000 | $72,000 | $132,000 | $16,000 | $140,000 |
| 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) | 175 | $12,389,000 | $70,000 | $421,000 | $49,000 | $360,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $179,000 | $59,000 | $70,000 | $27,000 | $33,000 |
| FHA-insured (Federal Housing Administration) | 2 | $135,000 | $67,000 | $74,000 | $59,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 1 | $49,000 | $49,000 | $49,000 | $18,000 | $18,000 |
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 | 66 | $4,586,000 | $69,000 | $421,000 | $46,000 | $360,000 |
| Loan Originated | 60 | $4,057,000 | $67,000 | $248,000 | $55,000 | $151,000 |
| Loan Purchased By The Institution | 17 | $1,205,000 | $70,000 | $132,000 | $28,000 | $140,000 |
| Application Approved But Not Accepted | 16 | $1,143,000 | $71,000 | $150,000 | $65,000 | $200,000 |
| Application Withdrawn By Applicant | 14 | $963,000 | $68,000 | $169,000 | $48,000 | $107,000 |
| File Closed For Incompleteness | 8 | $798,000 | $99,000 | $178,000 | $41,000 | $66,000 |
| 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 | 22 | $1,414,000 | $64,000 | $185,000 | $39,000 | $79,000 |
| Collateral | 6 | $820,000 | $136,000 | $421,000 | $103,000 | $360,000 |
| Other | 5 | $305,000 | $61,000 | $80,000 | $39,000 | $84,000 |
| Credit Application Incomplete | 4 | $259,000 | $64,000 | $140,000 | $34,000 | $66,000 |
| Debt-To-Income Ratio | 4 | $376,000 | $94,000 | $178,000 | $40,000 | $75,000 |
| Unverifiable Information | 1 | $158,000 | $158,000 | $158,000 | $180,000 | $180,000 |
| 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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