Perry County, MS Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 383 mortgage applications in Perry County, MS totaling $25.9 million, down 20% from 2010. The average application was for $67,000, and applicants reported an average income of $51,000. 47% of applications resulted in an originated loan and 29% were denied. The most active lender was Richton Bank & Trust Company, with 62 applications, followed by First Southern Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 383 |
| Total Mortgage Loan Application Amount | $25,944,000 |
| Average Mortgage Loan Application Amount | $67,000 |
| Highest Mortgage Loan Application Amount | $459,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $420,000 |
* 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 |
|---|---|---|---|---|
| Richton Bank & Trust Company 114 S FRONT STREET (PO BOX 527) RICHTON, MS 39476 |
* | $ 80,424,000 | 62 | $ 2,411,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 185,644,000 | 45 | $ 3,132,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 35 | $ 1,760,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 23 | $ 861,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,362,287,000 | 22 | $ 1,491,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 20 | $ 2,239,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,425,755,000 | 16 | $ 1,108,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 15 | $ 1,043,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 12 | $ 1,277,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 633,140,000 | 11 | $ 520,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 11 | $ 798,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 10 | $ 642,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 8 | $ 647,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 5,975,926,000 | 7 | $ 431,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 233,636,000 | 7 | $ 869,000 |
| Bank of Wiggins P.O. DRAWER 67 WIGGINS, MS 39577 |
* | $ 188,030,000 | 6 | $ 554,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 6 | $ 85,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 6 | $ 304,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 5 | $ 374,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 337,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 502,277,000 | 4 | $ 161,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ 163,302,000 | 4 | $ 255,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 3 | $ 219,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 420,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 287,000 |
| First National Bank of Picayun 121 EAST CANAL STREET PICAYUNE, MS 39466 |
* | $ 207,685,000 | 2 | $ 303,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 158,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 2 | $ 101,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ 137,874,000 | 2 | $ 133,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 2 | $ 143,000 |
| The Peoples Bank 152 LAMEUSE ST BILOXI, MS 39530 |
* | $ 781,908,000 | 2 | $ 108,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 650,594,000 | 2 | $ 155,000 |
| Century Bank P O BOX 647 LUCEDALE, MS 39452 |
* | $ 240,267,000 | 1 | $ 155,000 |
| Community Bank, Coast P. O. BOX 7588 GULFPORT, MS 39506 |
* | $ 402,407,000 | 1 | $ 107,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 271,648,000 | 1 | $ 25,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 1 | $ 39,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 35,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 1 | $ 127,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 1 | $ 72,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 214,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 1 | $ 160,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 53,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 52,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ 31,000,000 | 1 | $ 56,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 66,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 243,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 192,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 181,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 194,000 |
The tables below break down 2011 mortgage applications in Perry 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 Perry 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 | 180 | $16,224,000 | $90,000 | $459,000 | $58,000 | $420,000 |
| Home Purchase | 141 | $8,477,000 | $60,000 | $200,000 | $49,000 | $276,000 |
| Home Improvement | 62 | $1,243,000 | $20,000 | $166,000 | $38,000 | $183,000 |
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 | 290 | $19,083,000 | $65,000 | $350,000 | $53,000 | $276,000 |
| Black or African American | 60 | $3,371,000 | $56,000 | $197,000 | $51,000 | $420,000 |
| Not Provided | 17 | $1,725,000 | $101,000 | $185,000 | $43,000 | $100,000 |
| Not applicable | 11 | $1,196,000 | $108,000 | $459,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $366,000 | $122,000 | $165,000 | $93,000 | $146,000 |
| Asian | 1 | $49,000 | $49,000 | $49,000 | $119,000 | $119,000 |
| Hispanic | 1 | $154,000 | $154,000 | $154,000 | $72,000 | $72,000 |
| 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) | 290 | $15,903,000 | $54,000 | $459,000 | $51,000 | $276,000 |
| FHA-insured (Federal Housing Administration) | 70 | $6,990,000 | $99,000 | $197,000 | $48,000 | $420,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,247,000 | $95,000 | $166,000 | $39,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,804,000 | $180,000 | $243,000 | $100,000 | $146,000 |
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 | 180 | $11,487,000 | $63,000 | $459,000 | $57,000 | $262,000 |
| Application Denied By Financial Institution | 111 | $6,970,000 | $62,000 | $214,000 | $41,000 | $165,000 |
| Application Approved But Not Accepted | 29 | $1,463,000 | $50,000 | $157,000 | $51,000 | $237,000 |
| Loan Purchased By The Institution | 29 | $2,639,000 | $91,000 | $197,000 | $24,000 | $102,000 |
| Application Withdrawn By Applicant | 28 | $2,785,000 | $99,000 | $186,000 | $86,000 | $420,000 |
| File Closed For Incompleteness | 6 | $600,000 | $100,000 | $243,000 | $49,000 | $133,000 |
| 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 | 33 | $1,831,000 | $55,000 | $165,000 | $46,000 | $165,000 |
| Debt-To-Income Ratio | 15 | $761,000 | $50,000 | $129,000 | $26,000 | $58,000 |
| Collateral | 9 | $1,097,000 | $121,000 | $214,000 | $67,000 | $120,000 |
| Credit Application Incomplete | 2 | $198,000 | $99,000 | $137,000 | $105,000 | $160,000 |
| Other | 2 | $177,000 | $88,000 | $125,000 | $21,000 | $24,000 |
| Unverifiable Information | 2 | $27,000 | $13,000 | $26,000 | $43,000 | $78,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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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