Lowndes County, MS Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 2,158 mortgage applications in Lowndes County, MS totaling $262.1 million, down 13% from 2010. The average application was for $121,000, and applicants reported an average income of $66,000. 52% of applications resulted in an originated loan and 18% were denied. The most active lender was Cadence Bank, with 421 applications, followed by Bankfirst Financial Services and Trustmark National Bank.

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Total Number of Mortgage Applications 2,158
Total Mortgage Loan Application Amount $262,054,000
Average Mortgage Loan Application Amount $121,000
Highest Mortgage Loan Application Amount $5,610,000
Average Applicant Income $66,000
Highest Applicant Income $1,345,000

Mortgage Company List for Lending in Lowndes County, MS for 2011

* 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
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,362,287,000 421 $ 53,988,000
Bankfirst Financial Services
110 SOUTH JEFFERSON
MACON, MS 39341
* $ 697,128,000 189 $ 17,816,000
Trustmark National Bank
PO BOX 291
JACKSON, MS 39205
* $ 9,425,755,000 170 $ 19,996,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 134 $ 14,538,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 115 $ 12,923,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 114 $ 21,587,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 112 $ 12,051,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 76 $ 3,003,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 73 $ 9,419,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 50 $ 7,370,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 1,581,160,000 49 $ 3,449,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 4,291,724,000 46 $ 9,041,000
Citizens National Bank of Meridian
512 22ND AVENUE
MERIDIAN, MS 39302
* $ 1,176,442,000 37 $ 4,528,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 28 $ 4,333,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 28 $ 4,357,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 26 $ 1,369,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 25 $ 3,796,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 24 $ 3,423,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 21 $ 2,347,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 18 $ 3,067,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 17 $ 2,822,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 16 $ 1,104,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 16 $ 2,843,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 15 $ 1,312,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 14 $ 1,818,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 14 $ 1,479,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 14 $ 1,967,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 12 $ 1,617,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 12 $ 1,621,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 12 $ 2,124,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 9 $ 921,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 9 $ 1,292,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 9 $ 1,260,000
First Federal of Charleston
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,249,548,000 9 $ 637,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 8 $ 121,000
West Alabama Bank & Trust
P O BOX 310
REFORM, AL 35481
* $ 576,624,000 8 $ 489,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 7 $ 541,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 7 $ 1,556,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 7 $ 754,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 7 $ 742,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 7 $ 1,001,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 6 $ 206,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 5 $ 805,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ 10,000,000 5 $ 511,000
Shelter Financial Bank
1817 W. BROADWAY
COLUMBIA, MO 65218
* $ 180,751,000 5 $ 210,000
Community Bank, North Mississippi
P. O. BOX 270
AMORY, MS 38821
* $ 479,935,000 4 $ 798,000
Merchants and Farmers Bank
134 WEST WASHINGTON ST
KOSCIUSKO, MS 39090
* $ 1,599,283,000 4 $ 691,000
Mortgageamerica, Inc.
1800 INTERNATIONAL PARK DR, SUITE 100
BIRMINGHAM, AL 35243
* $ 10,000,000 4 $ 480,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 4 $ 254,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 4 $ 547,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 393,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 3 $ 567,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 3 $ 380,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 238,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 3 $ 637,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 3 $ 444,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,217,801,000 3 $ 260,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 3 $ 149,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 3 $ 677,000
BNC National Bank

BISMARCK, ND 58501
* $ 745,184,000 3 $ 679,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 3 $ 111,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 3 $ 343,000
First Federal Bank
1300 MCFARLAND BLVD NE
TUSCALOOSA, AL 35406
* $ 175,796,000 2 $ 322,000
Aurora Bank FSB
10350 PARK MEADOWS DRIVE
LONE TREE, CO 80124
* $ 4,335,558,000 2 $ 266,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 2 $ 181,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 2 $ 363,000
Cimarron Mortgage Company
6311 RIDGEWOOD RD STE 400W
JACKSON, MS 39211
* $ 10,000,000 2 $ 173,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 2 $ 61,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 2 $ 224,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 2 $ 364,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 2 $ 250,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 2 $ 125,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 496,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 289,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 361,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 206,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 78,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 1 $ 105,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 205,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 138,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 74,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 83,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 1 $ 200,000
Community Mortgage Corporation
142 TIMBER CREEK DRIVE
CORDOVA, TN 38018
* $ 10,000,000 1 $ 117,000
Standard Mortgage Corporation
701 POYDRAS STREET STE 300 PLAZA
NEW ORLEANS, LA 70139
* $ 31,000,000 1 $ 45,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 194,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 111,000
First Nb of Jacksboro
P.O. DRAWER E
JACKSBORO, TX 76458
* $ 475,843,000 1 $ 200,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 1 $ 192,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 146,000
Capital One NA
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 70,506,963,000 1 $ 3,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 52,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,797,006,000 1 $ 9,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 1 $ 149,000
Hope Federal Credit Union
4 OLD RIVER PLACE
JACKSON, MS 39202
* $ 138,865,000 1 $ 77,000
Red Canoe Credit Union
1418 15TH AVE
LONGVIEW, WA 98632
* $ 560,081,000 1 $ 161,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ 3,282,516,000 1 $ 114,000
Citizens Bank & Trust Co.
239 EAST MAIN ST
MARKS, MS 38646
* $ 117,517,000 1 $ 177,000
Omnibank
236 E CAPITOL ST
JACKSON, MS 39201
* $ 85,486,000 1 $ 150,000
The Citizens Bank
521 MAIN ST
PHILADELPHIA, MS 39350
* $ 817,798,000 1 $ 145,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 502,376,000 1 $ 230,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 650,594,000 1 $ 46,000
Southern Bancorp Bank
601 MAIN STREET
ARKADELPHIA, AR 71923
* $ 1,078,662,000 1 $ 28,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 1 $ 215,000
Magna Bank
6525 QUAIL HOLLOW RD STE 513
MEMPHIS, TN 38120
* $ 426,512,000 1 $ 185,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 1 $ 139,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 1 $ 326,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 1 $ 270,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 608,886,000 1 $ 210,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 1 $ 8,000

The tables below break down 2011 mortgage applications in Lowndes 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 Lowndes County, MS 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 1,300 $173,347,000 $133,000 $5,610,000 $70,000 $1,345,000
Home Purchase 698 $82,868,000 $118,000 $1,170,000 $57,000 $640,000
Home Improvement 160 $5,839,000 $36,000 $1,613,000 $63,000 $912,000

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 1,330 $172,715,000 $129,000 $875,000 $79,000 $1,345,000
Black or African American 448 $35,381,000 $78,000 $413,000 $50,000 $800,000
Not applicable 227 $36,771,000 $161,000 $5,610,000 $14,000 $412,000
Not Provided 114 $12,772,000 $112,000 $382,000 $60,000 $296,000
Hispanic 25 $2,642,000 $105,000 $286,000 $100,000 $557,000
Asian 10 $1,524,000 $152,000 $377,000 $86,000 $234,000
American Indian or Alaskan Native 3 $52,000 $17,000 $40,000 $48,000 $59,000
Native Hawaiian or Other Pacific Islander 1 $197,000 $197,000 $197,000 $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) 1,394 $157,192,000 $112,000 $1,613,000 $77,000 $1,345,000
FHA-insured (Federal Housing Administration) 428 $55,767,000 $130,000 $5,610,000 $43,000 $241,000
VA-guaranteed (Veterans Administration) 222 $36,380,000 $163,000 $400,000 $53,000 $557,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 114 $12,715,000 $111,000 $259,000 $31,000 $73,000

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 1,130 $137,857,000 $121,000 $1,613,000 $77,000 $1,345,000
Application Denied By Financial Institution 390 $34,170,000 $87,000 $631,000 $52,000 $825,000
Loan Purchased By The Institution 325 $51,220,000 $157,000 $5,610,000 $39,000 $412,000
Application Withdrawn By Applicant 208 $27,323,000 $131,000 $384,000 $68,000 $1,269,000
Application Approved But Not Accepted 65 $6,259,000 $96,000 $294,000 $64,000 $500,000
File Closed For Incompleteness 40 $5,225,000 $130,000 $459,000 $78,000 $680,000
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 113 $7,269,000 $64,000 $406,000 $46,000 $192,000
Debt-To-Income Ratio 63 $5,132,000 $81,000 $308,000 $38,000 $146,000
Collateral 38 $5,287,000 $139,000 $417,000 $75,000 $296,000
Other 15 $1,146,000 $76,000 $249,000 $49,000 $139,000
Credit Application Incomplete 11 $1,184,000 $107,000 $188,000 $84,000 $557,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,118,000 $159,000 $384,000 $82,000 $200,000
Employment History 6 $303,000 $50,000 $122,000 $40,000 $79,000
Unverifiable Information 4 $257,000 $64,000 $134,000 $69,000 $120,000
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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