Lincoln County, MS Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 1,092 mortgage applications in Lincoln County, MS totaling $113.1 million, down 10% from 2009. The average application was for $103,000, and applicants reported an average income of $63,000. 44% of applications resulted in an originated loan and 27% were denied. The most active lender was Trustmark National Bank, with 192 applications, followed by State Bank & Trust Company and 21st Mortgage.
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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 | 1,092 |
| Total Mortgage Loan Application Amount | $113,119,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $2,175,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $1,414,000 |
* 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 |
|---|---|---|---|---|
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,396,294,000 | 192 | $ 22,027,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 906,286,000 | 172 | $ 9,853,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 68 | $ 2,890,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 56 | $ 7,301,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 54 | $ 5,523,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 48 | $ 5,518,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 43 | $ 5,813,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 42 | $ 2,252,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 36 | $ 4,696,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 35 | $ 1,899,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 3,634,677,000 | 25 | $ 4,310,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 21 | $ 3,074,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 17 | $ 3,020,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 14 | $ 937,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,421,986,000 | 13 | $ 764,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 13 | $ 1,677,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 12 | $ 1,446,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 11 | $ 1,532,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 11 | $ 491,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 11 | $ 1,761,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 10 | $ 1,451,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,163,459,000 | 9 | $ 1,189,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 8 | $ 1,195,000 |
| Copiah Bank, N.A. 101 CALDWELL DRIVE HAZLEHURST, MS 39083 |
* | $ 141,826,000 | 8 | $ 280,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 7 | $ 1,214,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 7 | $ 890,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 860,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 838,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 6 | $ 501,000 |
| Executive Mortgage Corp. of Ms 582 LAKELAND EAST DRIVE, STE C FLOWOOD, MS 39232 |
* | $ 124,011,000 | 6 | $ 890,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 343,006,000 | 5 | $ 328,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 455,314,000 | 4 | $ 391,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,726,828,000 | 4 | $ 162,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 4 | $ 593,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 3 | $ 469,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 3 | $ 274,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,144,987,000 | 3 | $ 410,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 906,535,000 | 3 | $ 236,000 |
| Woodforest Bank, FSB 25231 GROGANS MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 85,854,000 | 3 | $ 85,000 |
| Renasant Bk 201 SOUTH JACKSON ST CRYSTAL SPRINGS, MS 39059 |
* | $ 381,348,000 | 3 | $ 560,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 3 | $ 292,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 3 | $ 388,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 3 | $ 417,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 2 | $ 346,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 2 | $ 162,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 200,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 404,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 359,000 |
| Liberty Bank 6600 PLAZA DRIVE NEW ORLEANS, LA 70127 |
* | $ 423,239,000 | 2 | $ 138,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 2 | $ 178,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 599,709,000 | 2 | $ 61,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 2 | $ 611,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 2 | $ 189,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 335,000 |
| Merchants and Farmers Bank 134 WEST WASHINGTON ST KOSCIUSKO, MS 39090 |
* | $ 1,661,125,000 | 2 | $ 145,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 2 | $ 142,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 2 | $ 192,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 2 | $ 294,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 77,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 160,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 118,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Grand Bank for Saving, Sfsb 204 WESTOVER DRIVE HATTIESBURG, MS 39402 |
* | $ 139,821,000 | 1 | $ 75,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 1,402,014,000 | 1 | $ 47,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 166,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 862,852,000 | 1 | $ 150,000 |
| Hancock Bank ONE HANCOCK PLAZA GULFPORT, MS 39501 |
* | $ 5,301,159,000 | 1 | $ 46,000 |
| Community Trust Bank 2211 NORTH 7TH STREET STE. 202B WEST MONROE, LA 71291 |
* | $ 1,185,426,000 | 1 | $ 210,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 99,000 |
| Graystone Tower Bank 1826 GOOD HOPE ROAD ENOLA, PA 17025 |
* | $ 1,375,160,000 | 1 | $ 215,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 1,808,611,000 | 1 | $ 40,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,639,987,000 | 1 | $ 157,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 188,537,000 | 1 | $ 125,000 |
| Gulf Coast Bank and Trust 200 SAINT CHARLES AVENUE NEW ORLEANS, LA 70130 |
* | $ 984,133,000 | 1 | $ 127,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 636,763,000 | 1 | $ 2,175,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 185,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 240,050,000 | 1 | $ 135,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 127,360,045,000 | 1 | $ 75,000 |
| Whitney National Bank 400 LABARRE ROAD, 3RD FLOOR JEFFERSON, LA 70121 |
* | $ 11,877,069,000 | 1 | $ 258,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,161,361,000,000 | 1 | $ 25,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 1 | $ 85,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 152,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 489,592,000 | 1 | $ 35,000 |
| South Louisiana Bank 1362 WEST TUNNEL BLVD. HOUMA, LA 70360 |
* | $ 355,820,000 | 1 | $ 55,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 141,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 197,047,000 | 1 | $ 10,000 |
| Meridias Capital Incorporated P.O. BOX 241429 CHARLOTTE, NC 28273 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Advance Mortgage & Investment 30500 STATE HWY 181, STE 460 SPANISH FORT, AL 36527 |
* | $ 10,000,000 | 1 | $ 151,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 329,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 360,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 328,000 |
The tables below break down 2010 mortgage applications in Lincoln 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 Lincoln County, MS in 2010
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 | 528 | $69,912,000 | $132,000 | $2,175,000 | $71,000 | $1,236,000 |
| Home Purchase | 432 | $40,747,000 | $94,000 | $1,680,000 | $58,000 | $1,414,000 |
| Home Improvement | 132 | $2,460,000 | $18,000 | $177,000 | $45,000 | $244,000 |
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 | 764 | $79,211,000 | $103,000 | $1,680,000 | $71,000 | $1,414,000 |
| Black or African American | 177 | $11,238,000 | $63,000 | $273,000 | $45,000 | $229,000 |
| Not Provided | 71 | $8,690,000 | $122,000 | $329,000 | $54,000 | $187,000 |
| Not applicable | 58 | $11,964,000 | $206,000 | $2,175,000 | $4,000 | $146,000 |
| Hispanic | 14 | $777,000 | $55,000 | $242,000 | $127,000 | $1,236,000 |
| American Indian or Alaskan Native | 5 | $907,000 | $181,000 | $242,000 | $77,000 | $99,000 |
| Asian | 3 | $332,000 | $110,000 | $222,000 | $76,000 | $102,000 |
| 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) | 794 | $77,837,000 | $98,000 | $2,175,000 | $68,000 | $1,414,000 |
| FHA-insured (Federal Housing Administration) | 221 | $26,106,000 | $118,000 | $274,000 | $51,000 | $780,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 62 | $6,776,000 | $109,000 | $248,000 | $42,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,400,000 | $160,000 | $290,000 | $47,000 | $97,000 |
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 | 483 | $49,249,000 | $101,000 | $2,175,000 | $70,000 | $1,236,000 |
| Application Denied By Financial Institution | 293 | $22,737,000 | $77,000 | $330,000 | $49,000 | $288,000 |
| Loan Purchased By The Institution | 165 | $23,870,000 | $144,000 | $360,000 | $49,000 | $690,000 |
| Application Withdrawn By Applicant | 66 | $9,469,000 | $143,000 | $1,680,000 | $100,000 | $1,414,000 |
| Application Approved But Not Accepted | 56 | $4,476,000 | $79,000 | $705,000 | $66,000 | $426,000 |
| File Closed For Incompleteness | 29 | $3,318,000 | $114,000 | $280,000 | $67,000 | $240,000 |
| 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 | 71 | $5,301,000 | $74,000 | $329,000 | $55,000 | $275,000 |
| Debt-To-Income Ratio | 47 | $3,541,000 | $75,000 | $285,000 | $41,000 | $102,000 |
| Other | 14 | $1,032,000 | $73,000 | $163,000 | $46,000 | $120,000 |
| Credit Application Incomplete | 11 | $1,321,000 | $120,000 | $205,000 | $48,000 | $104,000 |
| Collateral | 10 | $1,451,000 | $145,000 | $328,000 | $76,000 | $133,000 |
| Unverifiable Information | 4 | $425,000 | $106,000 | $239,000 | $58,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $165,000 | $82,000 | $87,000 | $48,000 | $65,000 |
| Employment History | 1 | $59,000 | $59,000 | $59,000 | $65,000 | $65,000 |
| 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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