Panola County, MS Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 993 mortgage applications in Panola County, MS totaling $88.3 million, about the same as 2011. The average application was for $88,000, and applicants reported an average income of $63,000. 56% of applications resulted in an originated loan and 25% were denied. The most active lender was First Security Bank, with 154 applications, followed by Vanderbilt Mortgage and Finance, Inc and Regions Bank.

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Total Number of Mortgage Applications 993
Total Mortgage Loan Application Amount $88,324,000
Average Mortgage Loan Application Amount $88,000
Highest Mortgage Loan Application Amount $900,000
Average Applicant Income $63,000
Highest Applicant Income $3,684,000

Mortgage Company List for Lending in Panola County, MS for 2012

* 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
First Security Bank
P.O. BOX 690
BATESVILLE, MS 38606
* $ 498,446,000 154 $ 4,691,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 97 $ 5,558,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 84 $ 8,583,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 66 $ 8,055,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 12,990,345,000 59 $ 6,071,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 52 $ 4,766,000
Guaranty Bank & Trust Company
210 N. HAYDEN STREET
BELZONI, MS 39038
* $ 535,508,000 48 $ 5,722,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 4,196,437,000 48 $ 2,888,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 43 $ 5,993,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 41 $ 2,017,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 25 $ 2,601,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 18 $ 1,517,000
Trustmark National Bank
PO BOX 291
JACKSON, MS 39205
* $ 9,612,081,000 15 $ 1,795,000
Sycamore Bank
301 EAST MAIN STREET
SENATOBIA, MS 38668
* $ 176,959,000 15 $ 866,000
Covenant Bank
P. O. BOX 550
CLARKSDALE, MS 38614
* $ 230,660,000 12 $ 449,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 10 $ 1,315,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 9 $ 810,000
Shreveport Federal Credit Unio
8530 FERN AVE.
SHREVEPORT, LA 71105
* $ 86,740,000 7 $ 955,000
Merchants and Farmers Bank
134 WEST WASHINGTON ST
KOSCIUSKO, MS 39090
* $ 1,561,320,000 6 $ 481,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 6 $ 842,000
Origin Bank

HOUSTON, TX 77024
* $ 2,470,701,000 6 $ 884,000
Southern Bancorp Bank
601 MAIN STREET
ARKADELPHIA, AR 71923
* $ 1,147,058,000 6 $ 515,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 6 $ 617,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 11,676,671,000 6 $ 433,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 5 $ 649,000
First Financial Bank
214 N WASHINGTON STREET
EL DORADO, AR 71730
* $ 791,266,000 5 $ 1,127,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 5 $ 850,000
Cimarron Mortgage Company
6311 RIDGEWOOD ROAD, SUITE 400W
JACKSON, MS 39211
* $ 10,000,000 5 $ 804,000
Mississippi Federal Credit Union
P. O. BOX 55889
JACKSON, MS 39296
* $ 79,984,000 5 $ 527,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 4 $ 40,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 4 $ 564,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 4 $ 471,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 508,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 4 $ 631,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 4 $ 575,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 3 $ 413,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 452,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 24,563,405,000 3 $ 151,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 3 $ 344,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 628,766,000 3 $ 175,000
Community Bank of Mississippi
323 EAST THIRD STREET
FLOWOOD, MS 39232
* $ 639,243,000 2 $ 200,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 366,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 327,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 2 $ 284,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 2 $ 296,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 211,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 2 $ 51,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 194,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 2 $ 372,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 2 $ 28,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,140,407,000 2 $ 138,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 2 $ 231,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 2 $ 82,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 114,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 223,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 1 $ 126,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 1 $ 148,000
Magna Bank
6525 QUAIL HOLLOW RD. STE 513
MEMPHIS, TN 38120
* $ 440,621,000 1 $ 289,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 79,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 247,163,000 1 $ 42,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 1 $ 59,000
First Citizens National Bank

NEWARK, OH 43055
* $ 1,053,209,000 1 $ 358,000
Citizens National Bank of Meridian
512 22ND AVENUE
MERIDIAN, MS 39302
* $ 1,115,696,000 1 $ 12,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 255,171,000 1 $ 254,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 1 $ 10,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,291,705,000 1 $ 1,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 93,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 1 $ 177,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 172,000
Nola Lending Group, LLC
830 W CAUSEWAY BLVD
MANDEVILLE, LA 70471
* $ 28,686,000 1 $ 175,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 161,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 101,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 1 $ 274,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 273,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ 40,000,000 1 $ 224,000
Cgb Agri Financial Services
2209 RIVER ROAD
LOUISVILLE, KY 40206
* $ 433,538,000 1 $ 75,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 193,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 136,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 50,000
Reverse Mortgage USA, Inc.
6500 RIVER PLACE BLVD, BLDG 1, STE 425
AUSTIN, TX 78730
* $ 3,305,000 1 $ 183,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 108,000
Community Mortgage Corporation
142 TIMBER CREEK DRIVE
CORDOVA, TN 38018
* $ 10,000,000 1 $ 169,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 266,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 212,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 1 $ 175,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 106,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 118,000
Hometown Mortgage Services Inc
5511 HWY 280 E STE 210
BIRMINGHAM, AL 35242
* $ 10,000,000 1 $ 51,000
Executive Mortgage Corp. of Ms
582 LAKELAND EAST DRIVE, STE C
FLOWOOD, MS 39232
* $ 124,011,000 1 $ 25,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 41,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 114,000
Magnolia State Bank
P O BOX 41
LAUREL, MS 39440
* $ 264,492,000 1 $ 69,000
First South Financial Federal Credit Union
6471 STAGE RD, STE 101
BARTLETT, TN 38134
* $ 409,566,000 1 $ 58,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 44,000
Citizens Bank & Trust Co.
239 EAST MAIN ST
MARKS, MS 38646
* $ 124,083,000 1 $ 57,000
Community Bank, North Mississippi
P. O. BOX 270
AMORY, MS 38821
* $ 486,692,000 1 $ 18,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 1 $ 900,000
Cb&S Bank
200 JACKSON AVE. S.
RUSSELLVILLE, AL 35653
* $ 1,276,082,000 1 $ 10,000
Bank of Holly Springs
970 HIGHWAY 7 SOUTH
HOLLY SPRINGS, MS 38635
* $ 194,068,000 1 $ 12,000
State Bank & Trust Company
147 SOUTH RAILROAD AVENUE
BROOKHAVEN, MS 39601
* $ 921,053,000 1 $ 449,000
Hope Federal Credit Union
4 OLD RIVER PLACE
JACKSON, MS 39202
* $ 140,269,000 1 $ 2,000
Bankplus
1068 HIGHLAND COLONY PARKWAY
RIDGELAND, MS 39157
* $ 2,177,006,000 1 $ 95,000
Southern Security Federal Credit Union
765 W POPLAR AVE
COLLIERVILLE, TN 38017
* $ 102,552,000 1 $ 360,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 1 $ 60,000

The tables below break down 2012 mortgage applications in Panola 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 Panola County, MS in 2012

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 461 $54,921,000 $119,000 $900,000 $83,000 $3,684,000
Home Purchase 376 $30,419,000 $80,000 $365,000 $49,000 $372,000
Home Improvement 156 $2,984,000 $19,000 $229,000 $40,000 $158,000

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 597 $59,469,000 $99,000 $900,000 $78,000 $3,684,000
Black or African American 279 $16,130,000 $57,000 $407,000 $39,000 $295,000
Not Provided 60 $6,056,000 $100,000 $259,000 $76,000 $1,114,000
Not applicable 47 $6,094,000 $129,000 $422,000 $8,000 $93,000
Hispanic 6 $202,000 $33,000 $77,000 $40,000 $56,000
American Indian or Alaskan Native 2 $182,000 $91,000 $106,000 $30,000 $38,000
Asian 2 $191,000 $95,000 $101,000 $133,000 $165,000
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 $65,080,000 $81,000 $900,000 $69,000 $3,684,000
FHA-insured (Federal Housing Administration) 126 $14,954,000 $118,000 $254,000 $39,000 $126,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 56 $5,718,000 $102,000 $186,000 $38,000 $70,000
VA-guaranteed (Veterans Administration) 17 $2,572,000 $151,000 $224,000 $42,000 $98,000

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 553 $49,007,000 $88,000 $710,000 $73,000 $3,684,000
Application Denied By Financial Institution 247 $17,502,000 $70,000 $407,000 $42,000 $229,000
Loan Purchased By The Institution 69 $9,315,000 $135,000 $280,000 $45,000 $757,000
Application Approved But Not Accepted 54 $3,425,000 $63,000 $275,000 $51,000 $160,000
Application Withdrawn By Applicant 51 $6,622,000 $129,000 $900,000 $75,000 $769,000
File Closed For Incompleteness 19 $2,453,000 $129,000 $268,000 $137,000 $1,114,000
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 47 $3,379,000 $71,000 $199,000 $51,000 $229,000
Debt-To-Income Ratio 21 $1,683,000 $80,000 $407,000 $32,000 $67,000
Collateral 19 $2,188,000 $115,000 $358,000 $77,000 $199,000
Credit Application Incomplete 9 $894,000 $99,000 $166,000 $54,000 $110,000
Unverifiable Information 7 $621,000 $88,000 $158,000 $53,000 $114,000
Other 6 $424,000 $70,000 $101,000 $49,000 $89,000
Employment History 4 $349,000 $87,000 $175,000 $31,000 $54,000
Insufficient Cash (Downpayment, Closing Cost) 1 $128,000 $128,000 $128,000 $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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