Kemper County, MS Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 122 mortgage applications in Kemper County, MS totaling $8.7 million, down 10% from 2007. The average application was for $71,000, and applicants reported an average income of $48,000. 42% of applications resulted in an originated loan and 37% were denied. The most active lender was Citicorp Trust Bank, FSB, with 20 applications, followed by JPMorgan Chase Bank, NA and Citifinancial, 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 | 122 |
| Total Mortgage Loan Application Amount | $8,678,000 |
| Average Mortgage Loan Application Amount | $71,000 |
| Highest Mortgage Loan Application Amount | $370,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $184,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 20 | $ 1,197,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 10 | $ 724,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 306,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 6 | $ 293,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 5 | $ 332,000 |
| Merchants and Farmers Bank 134 WEST WASHINGTON ST KOSCIUSKO, MS 39090 |
* | $ 1,650,228,000 | 5 | $ 249,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 5 | $ 435,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 3,608,000,000 | 4 | $ 412,000 |
| Bankfirst Financial Services 110 SOUTH JEFFERSON MACON, MS 39341 |
* | $ 584,882,000 | 4 | $ 186,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,102,273,000 | 4 | $ 260,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 8,826,746,000 | 4 | $ 403,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 164,000 |
| Wells Fargo Fin'l Mississippi 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 144,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 449,259,000 | 3 | $ 165,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 3 | $ 267,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 270,000 |
| Energy One Federal Credit Union 6100 S YALE AVE, SUITE 100 TULSA, OK 74136 |
* | $ 155,300,000 | 2 | $ 286,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 45,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 402,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 2 | $ 121,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 2 | $ 109,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,021,855,000 | 2 | $ 11,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 395,864,000 | 2 | $ 60,000 |
| First Nat. Bank of Central Al 2323 PAUL W. BRYANT DRIVE TUSCALOOSA, AL 35401 |
* | $ 220,074,000 | 2 | $ 550,000 |
| Great Southern National Bank P O BOX 1271 MERIDIAN, MS 39302 |
* | $ 239,963,000 | 1 | $ 35,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 1 | $ 7,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 1 | $ 55,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 1 | $ 21,000 |
| Mortgage Lion, Inc. 327 S. MAIN STREET FITZGERALD, GA 31750 |
* | $ 50,000,000 | 1 | $ 74,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 88,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 100,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 95,000 |
| First State Bank P O BOX 506 WAYNESBORO, MS 39367 |
* | $ 376,375,000 | 1 | $ 134,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,192,320,000 | 1 | $ 65,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 66,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 203,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 79,000 |
The tables below break down 2008 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 2008
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 | 83 | $6,646,000 | $80,000 | $370,000 | $50,000 | $184,000 |
| Home Purchase | 27 | $1,648,000 | $61,000 | $260,000 | $47,000 | $119,000 |
| Home Improvement | 12 | $384,000 | $32,000 | $134,000 | $35,000 | $121,000 |
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 |
|---|---|---|---|---|---|---|
| White | 52 | $4,736,000 | $91,000 | $370,000 | $63,000 | $184,000 |
| Black or African American | 50 | $2,865,000 | $57,000 | $196,000 | $37,000 | $88,000 |
| Not Provided | 15 | $812,000 | $54,000 | $132,000 | $38,000 | $100,000 |
| Not applicable | 2 | $130,000 | $65,000 | $79,000 | $51,000 | $69,000 |
| Hispanic | 2 | $80,000 | $40,000 | $40,000 | $19,000 | $19,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $13,000 | $13,000 |
| 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) | 103 | $7,097,000 | $68,000 | $370,000 | $50,000 | $184,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,412,000 | $88,000 | $203,000 | $37,000 | $81,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $169,000 | $56,000 | $69,000 | $22,000 | $31,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 51 | $3,916,000 | $76,000 | $370,000 | $59,000 | $184,000 |
| Application Denied By Financial Institution | 45 | $2,685,000 | $59,000 | $203,000 | $38,000 | $120,000 |
| Application Withdrawn By Applicant | 9 | $637,000 | $70,000 | $150,000 | $51,000 | $103,000 |
| Application Approved But Not Accepted | 8 | $747,000 | $93,000 | $200,000 | $44,000 | $93,000 |
| Loan Purchased By The Institution | 7 | $581,000 | $83,000 | $125,000 | $35,000 | $69,000 |
| File Closed For Incompleteness | 2 | $112,000 | $56,000 | $57,000 | $47,000 | $75,000 |
| 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 | $600,000 | $50,000 | $112,000 | $36,000 | $88,000 |
| Other | 6 | $272,000 | $45,000 | $58,000 | $36,000 | $60,000 |
| Collateral | 4 | $359,000 | $89,000 | $162,000 | $42,000 | $54,000 |
| Debt-To-Income Ratio | 4 | $162,000 | $40,000 | $61,000 | $25,000 | $29,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $20,000 | $20,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $13,000 | $13,000 |
| 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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