Trustmark Bank Mortgage Lending & HMDA Data, 2016
In 2016, Trustmark Bank of Jackson, MS reported 11,091 mortgage applications totaling $1.8 billion, up 1% from 2015. The average application was for $164,429, and applicants reported an average income of $54,301. 55% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Jackson, MS (2,679), Memphis, TN-MS-AR (723) and Birmingham-Hoover, AL (583) (applications in parentheses).
| Mortgage Company & Address | Trustmark Bank Po Box 291 Jackson, MS 39201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 11,091 |
| Total Mortgage Loan Application Amount | $1,823,684,000 |
| Average Mortgage Loan Application Amount | $164,429 |
| Highest Mortgage Loan Application Amount | $5,940,000 |
| Average Applicant Income | $54,301 |
| Highest Applicant Income | $5,387,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Trustmark Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,679 | $ 447,478,000 | $ 167,031 | $ 43,000 |
| Memphis, TN-MS-AR | 723 | $ 106,336,000 | $ 147,076 | $ 55,932 |
| Birmingham-Hoover, AL | 583 | $ 122,943,000 | $ 210,879 | $ 44,000 |
| Panama City, FL | 546 | $ 91,941,000 | $ 168,390 | $ 74,000 |
| Gulfport-Biloxi-Pascagoula, MS | 504 | $ 70,818,000 | $ 140,511 | $ 43,000 |
| Mobile, AL | 492 | $ 89,616,000 | $ 182,146 | $ 64,000 |
| Daphne-Fairhope-Foley, AL | 489 | $ 113,247,000 | $ 231,588 | $ 60,000 |
| Montgomery, AL | 417 | $ 67,954,000 | $ 162,959 | $ 30,000 |
| Hattiesburg, MS | 332 | $ 44,250,000 | $ 133,283 | $ 56,000 |
| Crestview-Fort Walton Beach-Destin, FL | 290 | $ 88,010,000 | $ 303,482 | $ 156,000 |
| Houston-The Woodlands-Sugar Land, TX | 228 | $ 67,111,000 | $ 294,346 | $ 171,000 |
| Florence-Muscle Shoals, AL | 196 | $ 25,148,000 | $ 128,306 | $ 59,000 |
| Tuscaloosa, AL | 168 | $ 31,967,000 | $ 190,279 | $ 77,000 |
| Sumter, SC | 149 | $ 22,777,000 | $ 152,865 | $ 4,000 |
| Pensacola-Ferry Pass-Brent, FL | 125 | $ 21,630,000 | $ 173,040 | $ 74,000 |
| Shreveport-Bossier City, LA | 55 | $ 11,545,000 | $ 209,909 | $ 1,000 |
| New Orleans-Metairie, LA | 50 | $ 9,626,000 | $ 192,520 | $ 36,000 |
| Baton Rouge, LA | 47 | $ 10,550,000 | $ 224,468 | $ 9,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 43 | $ 13,790,000 | $ 320,697 | $ 23,000 |
| Huntsville, AL | 33 | $ 6,603,000 | $ 200,090 | $ 42,000 |
| Gainesville, FL | 32 | $ 6,564,000 | $ 205,125 | $ 0 |
| Jacksonville, FL | 31 | $ 5,655,000 | $ 182,419 | $ 1,000 |
| Auburn-Opelika, AL | 30 | $ 3,463,000 | $ 115,433 | $ 29,000 |
| Columbia, SC | 15 | $ 2,660,000 | $ 177,333 | $ 0 |
| Ocala, FL | 13 | $ 2,072,000 | $ 159,384 | $ 0 |
| Decatur, AL | 12 | $ 1,552,000 | $ 129,333 | $ 39,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 2,905,000 | $ 322,777 | $ 90,000 |
| Little Rock-North Little Rock-Conway, AR | 9 | $ 1,423,000 | $ 158,111 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 1,157,000 | $ 192,833 | $ 33,000 |
| Lafayette, LA | 5 | $ 1,318,000 | $ 263,600 | $ 19,000 |
| Anniston-Oxford-Jacksonville, AL | 4 | $ 380,000 | $ 95,000 | $ 46,000 |
| Columbus, GA-AL | 4 | $ 700,000 | $ 175,000 | $ 57,750 |
| Fort Worth-Arlington, TX | 4 | $ 844,000 | $ 211,000 | $ 122,000 |
| Asheville, NC | 3 | $ 931,000 | $ 310,333 | $ 150,000 |
| Austin-Round Rock, TX | 3 | $ 743,000 | $ 247,666 | $ 55,000 |
| College Station-Bryan, TX | 2 | $ 760,000 | $ 380,000 | $ 849,000 |
| Corpus Christi, TX | 2 | $ 415,000 | $ 207,500 | $ 101,000 |
| Dothan, AL | 2 | $ 201,000 | $ 100,500 | $ 830,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 221,000 | $ 110,500 | $ 68,000 |
| Gadsden, AL | 2 | $ 294,000 | $ 147,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 337,000 | $ 168,500 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 374,000 | $ 187,000 | $ 56,000 |
| San Antonio-New Braunfels, TX | 2 | $ 830,000 | $ 415,000 | $ 119,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 393,000 | $ 196,500 | $ 50,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 308,000 | $ 308,000 | $ 0 |
| Hammond, LA | 1 | $ 300,000 | $ 300,000 | $ 69,000 |
| Homosassa Springs, FL | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Hot Springs, AR | 1 | $ 366,000 | $ 366,000 | $ 122,000 |
| Jackson, TN | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Knoxville, TN | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 241,000 | $ 241,000 | $ 52,000 |
| Monroe, LA | 1 | $ 152,000 | $ 152,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 200,000 | $ 200,000 | $ 229,000 |
| Raleigh, NC | 1 | $ 216,000 | $ 216,000 | $ 131,000 |
| Savannah, GA | 1 | $ 1,500,000 | $ 1,500,000 | $ 780,000 |
| Tallahassee, FL | 1 | $ 346,000 | $ 346,000 | $ 241,000 |
| Warner Robins, GA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 168,000 | $ 168,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for Trustmark Bank in 2016
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 6,415 | $1,162,186,000 | $181,000 | $5,940,000 | $50,000 | $2,566,000 |
| Refinancing | 3,430 | $615,927,000 | $179,000 | $2,000,000 | $65,000 | $5,387,000 |
| Home Improvement | 1,246 | $45,571,000 | $36,000 | $1,430,000 | $47,000 | $1,121,000 |
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 | 5,604 | $929,239,000 | $165,000 | $2,000,000 | $90,000 | $5,387,000 |
| Not applicable | 3,781 | $721,216,000 | $190,000 | $5,940,000 | $0 | $244,000 |
| Black or African American | 1,399 | $114,035,000 | $81,000 | $1,340,000 | $48,000 | $1,150,000 |
| Asian | 146 | $33,348,000 | $228,000 | $1,200,000 | $111,000 | $1,072,000 |
| Not Provided | 70 | $11,426,000 | $163,000 | $800,000 | $75,000 | $294,000 |
| Hispanic | 51 | $7,687,000 | $150,000 | $688,000 | $100,000 | $2,546,000 |
| American Indian or Alaskan Native | 31 | $5,236,000 | $168,000 | $668,000 | $101,000 | $754,000 |
| Native Hawaiin or Other Pacific Islander | 9 | $1,497,000 | $166,000 | $270,000 | $148,000 | $330,000 |
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) | 7,593 | $1,260,782,000 | $166,000 | $5,940,000 | $64,000 | $5,387,000 |
| FHA-insured (Federal Housing Administration) | 2,181 | $327,926,000 | $150,000 | $302,000 | $31,000 | $227,000 |
| VA-guaranteed (Veterans Administration) | 866 | $174,693,000 | $201,000 | $873,000 | $42,000 | $587,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 451 | $60,283,000 | $133,000 | $278,000 | $28,000 | $89,000 |
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 | 6,139 | $986,845,000 | $160,000 | $5,940,000 | $89,000 | $5,387,000 |
| Loan Purchased By The Institution | 3,495 | $675,936,000 | $193,000 | $1,500,000 | $0 | $0 |
| Application Denied By Financial Institution | 887 | $69,156,000 | $77,000 | $1,500,000 | $58,000 | $2,546,000 |
| Application Withdrawn By Applicant | 500 | $80,128,000 | $160,000 | $2,000,000 | $0 | $0 |
| Application Approved But Not Accepted | 66 | $10,923,000 | $165,000 | $1,000,000 | $119,000 | $2,239,000 |
| File Closed For Incompleteness | 4 | $696,000 | $174,000 | $266,000 | $65,000 | $142,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 347 | $26,827,000 | $77,000 | $960,000 | $40,000 | $389,000 |
| Credit History | 280 | $20,777,000 | $74,000 | $487,000 | $62,000 | $400,000 |
| Other | 136 | $7,859,000 | $57,000 | $1,500,000 | $75,000 | $2,546,000 |
| Collateral | 87 | $10,835,000 | $124,000 | $480,000 | $97,000 | $1,121,000 |
| Employment History | 20 | $885,000 | $44,000 | $186,000 | $41,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $818,000 | $90,000 | $180,000 | $61,000 | $231,000 |
| Unverifiable Information | 8 | $1,155,000 | $144,000 | $330,000 | $70,000 | $240,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Trustmark Bank's 2016 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 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.
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