Lawrence County, MS Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 473 mortgage applications in Lawrence County, MS totaling $37.6 million, down 26% from 2007. The average application was for $79,000, and applicants reported an average income of $63,000. 41% of applications resulted in an originated loan and 40% were denied. The most active lender was Regions Bank, with 96 applications, followed by State Bank & Trust Company 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 | 473 |
| Total Mortgage Loan Application Amount | $37,641,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $1,058,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $690,000 |
* 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 |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 96 | $ 6,382,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 968,906,000 | 85 | $ 5,400,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 8,826,746,000 | 32 | $ 3,004,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 25 | $ 2,806,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 19 | $ 1,714,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 17 | $ 1,699,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 14 | $ 913,000 |
| Hancock Bank ONE HANCOCK PLAZA GULFPORT, MS 39501 |
* | $ 3,396,670,000 | 12 | $ 394,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 12 | $ 777,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 12 | $ 461,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 449,259,000 | 11 | $ 483,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 318,062,000 | 9 | $ 665,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 172,733,000 | 8 | $ 325,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 8 | $ 292,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 7 | $ 958,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 7 | $ 740,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 6 | $ 112,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 519,000 |
| Wells Fargo Fin'l Mississippi 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 4 | $ 519,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 442,992,000 | 4 | $ 1,245,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 4 | $ 410,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 516,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,901,132,000 | 4 | $ 274,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 4 | $ 110,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 3 | $ 120,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 3 | $ 172,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 3 | $ 300,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 573,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 2 | $ 168,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 2 | $ 164,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 2 | $ 19,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,816,477,000 | 2 | $ 124,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 3,608,000,000 | 2 | $ 280,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 176,827,000 | 2 | $ 91,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 2 | $ 212,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 108,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 205,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 269,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 51,000 |
| First Choice Funding, Inc. 2100 RIVERCHASE CENTER STE 100 BIRMINGHAM, AL 35244 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Executive Mortgage Corp. of Ms 582 LAKELAND EAST DRIVE, STE C FLOWOOD, MS 39232 |
* | $ 124,011,000 | 1 | $ 129,000 |
| Walter Mortgage Company 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 64,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Homeowners Mortgage Enterprise 2530 DEVINE STREET COLUMBIA, SC 29205 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Eastern Savings Bank, FSB EXEC PLAZA II - 11350 MCCORMICK RD HUNT VALLEY, MD 21031 |
* | $ 1,117,603,000 | 1 | $ 125,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 74,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 31,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 44,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 128,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 41,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 922,061,000 | 1 | $ 36,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 578,581,000 | 1 | $ 1,058,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 67,000 |
| Citi Residential Lending Inc. 153 EAST 53RD ST, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,121,487,000 | 1 | $ 103,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 1 | $ 80,000 |
| Copiah Bank, N.A. 101 CALDWELL DRIVE HAZLEHURST, MS 39083 |
* | $ 127,950,000 | 1 | $ 17,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 494,566,000 | 1 | $ 156,000 |
| Pinnacle National Bank 150 3RD AVENUE SOUTH, SUITE 900 NASHVILLE, TN 37201 |
* | $ 2,542,615,000 | 1 | $ 273,000 |
The tables below break down 2008 mortgage applications in Lawrence 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 Lawrence 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 | 235 | $22,505,000 | $95,000 | $1,058,000 | $64,000 | $327,000 |
| Home Purchase | 168 | $13,132,000 | $78,000 | $382,000 | $63,000 | $690,000 |
| Home Improvement | 70 | $2,004,000 | $28,000 | $176,000 | $60,000 | $220,000 |
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 | 307 | $25,113,000 | $81,000 | $1,058,000 | $72,000 | $690,000 |
| Black or African American | 92 | $5,656,000 | $61,000 | $342,000 | $46,000 | $153,000 |
| Not Provided | 40 | $2,755,000 | $68,000 | $379,000 | $64,000 | $284,000 |
| Not applicable | 23 | $3,716,000 | $161,000 | $850,000 | $13,000 | $116,000 |
| Hispanic | 5 | $178,000 | $35,000 | $87,000 | $41,000 | $79,000 |
| Asian | 4 | $100,000 | $25,000 | $41,000 | $40,000 | $74,000 |
| American Indian or Alaskan Native | 2 | $123,000 | $61,000 | $62,000 | $147,000 | $250,000 |
| 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) | 420 | $31,583,000 | $75,000 | $850,000 | $64,000 | $690,000 |
| FHA-insured (Federal Housing Administration) | 35 | $3,194,000 | $91,000 | $177,000 | $59,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,395,000 | $171,000 | $1,058,000 | $46,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 4 | $469,000 | $117,000 | $155,000 | $56,000 | $83,000 |
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 | 193 | $15,946,000 | $82,000 | $1,058,000 | $72,000 | $690,000 |
| Application Denied By Financial Institution | 188 | $12,027,000 | $63,000 | $287,000 | $52,000 | $239,000 |
| Application Withdrawn By Applicant | 29 | $3,321,000 | $114,000 | $382,000 | $77,000 | $250,000 |
| Loan Purchased By The Institution | 28 | $3,731,000 | $133,000 | $343,000 | $58,000 | $175,000 |
| Application Approved But Not Accepted | 23 | $1,587,000 | $69,000 | $237,000 | $54,000 | $95,000 |
| File Closed For Incompleteness | 12 | $1,029,000 | $85,000 | $167,000 | $73,000 | $284,000 |
| 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 | $1,415,000 | $61,000 | $250,000 | $50,000 | $112,000 |
| Collateral | 10 | $858,000 | $85,000 | $132,000 | $63,000 | $107,000 |
| Debt-To-Income Ratio | 9 | $509,000 | $56,000 | $150,000 | $27,000 | $60,000 |
| Credit Application Incomplete | 6 | $537,000 | $89,000 | $270,000 | $93,000 | $204,000 |
| Other | 3 | $93,000 | $31,000 | $54,000 | $32,000 | $41,000 |
| Unverifiable Information | 1 | $42,000 | $42,000 | $42,000 | $68,000 | $68,000 |
| Employment History | 1 | $56,000 | $56,000 | $56,000 | $36,000 | $36,000 |
| 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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