Lauderdale County, MS Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 3,260 mortgage applications in Lauderdale County, MS totaling $333.4 million, down 11% from 2006. The average application was for $102,000, and applicants reported an average income of $65,000. 44% of applications resulted in an originated loan and 24% were denied. The most active lender was Regions Bank, with 243 applications, followed by Bankplus and Trustmark National 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 | 3,260 |
| Total Mortgage Loan Application Amount | $333,438,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $2,376,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $3,053,000 |
Top Mortgage Lenders in Lauderdale County, MS (2007)
Ranked by the number of mortgage applications each lender reported in Lauderdale County, MS in 2007.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Regions Bank Birmingham, AL |
243 | $21,419,000 | $88,000 | $63,000 |
| 2 | Bankplus Ridgeland, MS |
212 | $17,491,000 | $82,000 | $113,000 |
| 3 | Trustmark National Bank Jackson, MS |
188 | $21,262,000 | $113,000 | $79,000 |
| 4 | Countrywide Home Loans Westlake Village, CA |
180 | $21,387,000 | $118,000 | $71,000 |
| 5 | Citizens National Bank of Meridian Meridian, MS |
142 | $14,344,000 | $101,000 | $82,000 |
| 6 | Wells Fargo Fin'l Mississippi Des Moines, IA |
137 | $13,121,000 | $95,000 | $51,000 |
| 7 | JPMorgan Chase Bank, NA Columbus, OH |
135 | $12,216,000 | $90,000 | $47,000 |
| 8 | Freedom Mortgage Corp. Fishers, IN |
112 | $16,312,000 | $145,000 | $64,000 |
| 9 | Gmac Mortgage LLC Ft. Washington, PA |
110 | $10,829,000 | $98,000 | $39,000 |
| 10 | Hancock Bank Gulfport, MS |
103 | $536,000 | $5,000 | $40,000 |
The tables below break down 2007 mortgage applications in Lauderdale 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 Lauderdale County, MS in 2007
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 | 1,540 | $173,698,000 | $112,000 | $2,376,000 | $69,000 | $3,053,000 |
| Home Purchase | 1,295 | $144,196,000 | $111,000 | $1,000,000 | $63,000 | $540,000 |
| Home Improvement | 425 | $15,544,000 | $36,000 | $700,000 | $55,000 | $620,000 |
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 | 1,680 | $196,726,000 | $117,000 | $2,376,000 | $78,000 | $1,081,000 |
| Black or African American | 876 | $65,235,000 | $74,000 | $525,000 | $47,000 | $402,000 |
| Not Provided | 360 | $30,963,000 | $86,000 | $500,000 | $57,000 | $550,000 |
| Not applicable | 277 | $33,749,000 | $121,000 | $1,286,000 | $52,000 | $3,053,000 |
| Hispanic | 26 | $2,401,000 | $92,000 | $388,000 | $63,000 | $132,000 |
| Asian | 23 | $2,636,000 | $114,000 | $354,000 | $109,000 | $394,000 |
| American Indian or Alaskan Native | 14 | $1,186,000 | $84,000 | $391,000 | $78,000 | $340,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $542,000 | $135,000 | $184,000 | $60,000 | $108,000 |
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) | 2,970 | $303,403,000 | $102,000 | $2,376,000 | $67,000 | $3,053,000 |
| FHA-insured (Federal Housing Administration) | 150 | $14,122,000 | $94,000 | $203,000 | $44,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 81 | $7,678,000 | $94,000 | $217,000 | $35,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 59 | $8,235,000 | $139,000 | $361,000 | $43,000 | $131,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,431 | $151,766,000 | $106,000 | $2,376,000 | $81,000 | $3,053,000 |
| Application Denied By Financial Institution | 788 | $65,777,000 | $83,000 | $1,000,000 | $52,000 | $540,000 |
| Loan Purchased By The Institution | 554 | $65,437,000 | $118,000 | $610,000 | $47,000 | $500,000 |
| Application Approved But Not Accepted | 193 | $18,954,000 | $98,000 | $725,000 | $65,000 | $550,000 |
| Application Withdrawn By Applicant | 173 | $17,741,000 | $102,000 | $1,100,000 | $54,000 | $169,000 |
| File Closed For Incompleteness | 119 | $13,614,000 | $114,000 | $388,000 | $68,000 | $410,000 |
| Preapproval Denied by Financial Institution | 2 | $149,000 | $74,000 | $79,000 | $20,000 | $21,000 |
| Preapproval Approved but not Accepted | 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 | 151 | $11,653,000 | $77,000 | $594,000 | $48,000 | $240,000 |
| Collateral | 100 | $9,595,000 | $95,000 | $1,000,000 | $67,000 | $540,000 |
| Credit Application Incomplete | 52 | $5,526,000 | $106,000 | $640,000 | $66,000 | $366,000 |
| Other | 48 | $3,740,000 | $77,000 | $252,000 | $39,000 | $150,000 |
| Debt-To-Income Ratio | 39 | $3,133,000 | $80,000 | $253,000 | $42,000 | $116,000 |
| Unverifiable Information | 14 | $1,448,000 | $103,000 | $280,000 | $50,000 | $117,000 |
| Employment History | 6 | $960,000 | $160,000 | $365,000 | $48,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $242,000 | $60,000 | $75,000 | $76,000 | $180,000 |
| 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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