Trustmark National Bank Mortgage Lending & HMDA Data, 2011
In 2011, Trustmark National Bank of Jackson, MS reported 10,201 mortgage applications totaling $1.5 billion, down 10% from 2010. The average application was for $149,058, and applicants reported an average income of $47,139. 41% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Jackson, MS (3,447), Memphis, TN-MS-AR (464) and Pascagoula, MS (395) (applications in parentheses).
| Mortgage Company & Address | Trustmark National Bank Po Box 291 Jackson, MS 39205 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 10,201 |
| Total Mortgage Loan Application Amount | $1,520,548,000 |
| Average Mortgage Loan Application Amount | $149,058 |
| Highest Mortgage Loan Application Amount | $2,952,000 |
| Average Applicant Income | $47,139 |
| Highest Applicant Income | $3,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Trustmark National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson, MS | 3,447 | $ 535,588,000 | $ 155,378 | $ 46,000 |
| Memphis, TN-MS-AR | 464 | $ 61,206,000 | $ 131,909 | $ 65,068 |
| Pascagoula, MS | 395 | $ 56,659,000 | $ 143,440 | $ 22,000 |
| Gulfport-Biloxi, MS | 391 | $ 60,038,000 | $ 153,549 | $ 46,000 |
| Hattiesburg, MS | 352 | $ 47,197,000 | $ 134,082 | $ 64,000 |
| Montgomery, AL | 340 | $ 58,851,000 | $ 173,091 | $ 3,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 265 | $ 41,331,000 | $ 155,966 | $ 67,000 |
| Sumter, SC | 262 | $ 39,320,000 | $ 150,076 | $ 4,000 |
| Birmingham-Hoover, AL | 251 | $ 48,978,000 | $ 195,131 | $ 20,000 |
| Houston-Sugar Land-Baytown, TX | 210 | $ 53,869,000 | $ 256,519 | $ 201,000 |
| New Orleans-Metairie-Kenner, LA | 184 | $ 35,354,000 | $ 192,141 | $ 5,000 |
| Mobile, AL | 100 | $ 18,905,000 | $ 189,050 | $ 13,000 |
| Shreveport-Bossier City, LA | 98 | $ 19,775,000 | $ 201,785 | $ 2,000 |
| Baton Rouge, LA | 82 | $ 15,439,000 | $ 188,280 | $ 4,000 |
| Pensacola-Ferry Pass-Brent, FL | 31 | $ 5,047,000 | $ 162,806 | $ 69,000 |
| Jacksonville, FL | 30 | $ 6,043,000 | $ 201,433 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 28 | $ 6,035,000 | $ 215,535 | $ 175,000 |
| Gadsden, AL | 23 | $ 2,533,000 | $ 110,130 | $ 5,000 |
| Columbia, SC | 22 | $ 3,314,000 | $ 150,636 | $ 18,000 |
| Huntsville, AL | 21 | $ 4,743,000 | $ 225,857 | $ 20,000 |
| Florence-Muscle Shoals, AL | 12 | $ 1,940,000 | $ 161,666 | $ 27,000 |
| Auburn-Opelika, AL | 11 | $ 1,893,000 | $ 172,090 | $ 8,000 |
| Little Rock-North Little Rock-Conway, AR | 9 | $ 1,729,000 | $ 192,111 | $ 20,000 |
| Atlanta-Sandy Springs-Marietta, GA | 7 | $ 1,637,000 | $ 233,857 | $ 154,000 |
| Lafayette, LA | 7 | $ 1,804,000 | $ 257,714 | $ 0 |
| Charleston-North Charleston-Summerville, SC | 5 | $ 876,000 | $ 175,200 | $ 71,000 |
| Houma-Bayou Cane-Thibodaux, LA | 5 | $ 890,000 | $ 178,000 | $ 741,000 |
| Anniston-Oxford, AL | 4 | $ 812,000 | $ 203,000 | $ 0 |
| Lake Charles, LA | 4 | $ 1,024,000 | $ 256,000 | $ 0 |
| Monroe, LA | 4 | $ 742,000 | $ 185,500 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 604,000 | $ 151,000 | $ 33,000 |
| Knoxville, TN | 3 | $ 726,000 | $ 242,000 | $ 0 |
| Dothan, AL | 2 | $ 201,000 | $ 100,500 | $ 30,000 |
| Fort Worth-Arlington, TX | 2 | $ 268,000 | $ 134,000 | $ 37,000 |
| Hot Springs, AR | 2 | $ 376,000 | $ 188,000 | $ 469,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 212,000 | $ 106,000 | $ 26,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 362,000 | $ 181,000 | $ 40,000 |
| Tuscaloosa, AL | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Tyler, TX | 2 | $ 196,000 | $ 98,000 | $ 118,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 423,000 | $ 211,500 | $ 861,000 |
| Asheville, NC | 1 | $ 237,000 | $ 237,000 | $ 67,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 387,000 | $ 387,000 | $ 125,000 |
| Chattanooga, TN-GA | 1 | $ 68,000 | $ 68,000 | $ 48,000 |
| College Station-Bryan, TX | 1 | $ 57,000 | $ 57,000 | $ 352,000 |
| Decatur, AL | 1 | $ 302,000 | $ 302,000 | $ 0 |
| Denver-Aurora-Broomfield, CO | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 180,000 | $ 180,000 | $ 150,000 |
| Florence, SC | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Gary, IN | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Jackson, TN | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Jonesboro, AR | 1 | $ 3,000 | $ 3,000 | $ 25,000 |
| Morristown, TN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Naples-Marco Island, FL | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Palm Coast, FL | 1 | $ 134,000 | $ 134,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 101,000 | $ 101,000 | $ 220,000 |
| Tallahassee, FL | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Trustmark National Bank in 2011
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 | 5,041 | $844,943,000 | $167,000 | $2,952,000 | $56,000 | $3,600,000 |
| Home Purchase | 4,203 | $644,490,000 | $153,000 | $1,500,000 | $37,000 | $2,204,000 |
| Home Improvement | 957 | $31,115,000 | $32,000 | $713,000 | $45,000 | $1,030,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,886 | $818,311,000 | $167,000 | $2,952,000 | $0 | $613,000 |
| White | 4,193 | $609,098,000 | $145,000 | $1,900,000 | $99,000 | $3,600,000 |
| Black or African American | 952 | $65,879,000 | $69,000 | $1,500,000 | $48,000 | $615,000 |
| Asian | 81 | $18,240,000 | $225,000 | $1,069,000 | $174,000 | $2,204,000 |
| Not Provided | 37 | $3,615,000 | $97,000 | $417,000 | $117,000 | $1,358,000 |
| Hispanic | 35 | $3,143,000 | $89,000 | $667,000 | $50,000 | $200,000 |
| American Indian or Alaskan Native | 13 | $1,871,000 | $143,000 | $411,000 | $67,000 | $186,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $391,000 | $97,000 | $234,000 | $140,000 | $463,000 |
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) | 7,116 | $1,078,828,000 | $151,000 | $2,952,000 | $61,000 | $3,600,000 |
| FHA-insured (Federal Housing Administration) | 1,643 | $220,667,000 | $134,000 | $340,000 | $18,000 | $270,000 |
| VA-guaranteed (Veterans Administration) | 791 | $138,771,000 | $175,000 | $431,000 | $13,000 | $198,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 651 | $82,282,000 | $126,000 | $299,000 | $16,000 | $77,000 |
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 Purchased By The Institution | 4,636 | $769,859,000 | $166,000 | $948,000 | $0 | $0 |
| Loan Originated | 4,151 | $600,989,000 | $144,000 | $2,952,000 | $92,000 | $3,600,000 |
| Application Denied By Financial Institution | 813 | $58,797,000 | $72,000 | $1,900,000 | $54,000 | $1,044,000 |
| Application Approved But Not Accepted | 438 | $69,978,000 | $159,000 | $1,585,000 | $97,000 | $1,358,000 |
| Application Withdrawn By Applicant | 162 | $20,830,000 | $128,000 | $563,000 | $86,000 | $613,000 |
| File Closed For Incompleteness | 1 | $95,000 | $95,000 | $95,000 | $65,000 | $65,000 |
| 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 | 312 | $25,212,000 | $80,000 | $1,900,000 | $56,000 | $1,044,000 |
| Debt-To-Income Ratio | 285 | $19,494,000 | $68,000 | $667,000 | $43,000 | $442,000 |
| Other | 114 | $3,959,000 | $34,000 | $417,000 | $52,000 | $996,000 |
| Collateral | 73 | $6,908,000 | $94,000 | $352,000 | $83,000 | $570,000 |
| Unverifiable Information | 10 | $1,116,000 | $111,000 | $322,000 | $59,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $747,000 | $106,000 | $329,000 | $85,000 | $240,000 |
| Employment History | 5 | $380,000 | $76,000 | $202,000 | $39,000 | $108,000 |
| Mortgage Insurance Denied | 4 | $918,000 | $229,000 | $343,000 | $153,000 | $300,000 |
| Credit Application Incomplete | 3 | $63,000 | $21,000 | $32,000 | $53,000 | $92,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Trustmark National Bank's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Trustmark National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Mississippi, download the full spreadsheet
with aggregated HMDA statistics today.
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