Quitman County, MS Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 128 mortgage applications in Quitman County, MS totaling $6.2 million, down 25% from 2008. The average application was for $48,000, and applicants reported an average income of $44,000. 49% of applications resulted in an originated loan and 34% were denied. The most active lender was Citizens Bank & Trust Co., with 39 applications, followed by First Security Bank and Embrace Home Loans, 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 | 128 |
| Total Mortgage Loan Application Amount | $6,209,000 |
| Average Mortgage Loan Application Amount | $48,000 |
| Highest Mortgage Loan Application Amount | $225,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $375,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citizens Bank & Trust Co. 239 EAST MAIN ST MARKS, MS 38646 |
* | $ 110,819,000 | 39 | $ 1,535,000 |
| First Security Bank P.O. BOX 690 BATESVILLE, MS 38606 |
* | $ 462,015,000 | 23 | $ 432,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 557,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 7 | $ 354,000 |
| Covenant Bank P. O. BOX 550 CLARKSDALE, MS 38614 |
* | $ 223,251,000 | 5 | $ 11,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 491,797,000 | 5 | $ 259,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 4 | $ 211,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 4 | $ 321,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 3 | $ 146,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 3 | $ 196,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 52,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 2 | $ 132,000 |
| Liberty Bank 6600 PLAZA DRIVE NEW ORLEANS, LA 70127 |
* | $ 374,923,000 | 2 | $ 448,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 184,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 2 | $ 133,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 2 | $ 29,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 162,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 117,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 3,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 3,710,374,000 | 1 | $ 27,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 40,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 90,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 64,000 |
| Magna Bank 6525 N QUAIL HOLLOW RD SUITE 513 MEMPHIS, TN 38120 |
* | $ 520,048,000 | 1 | $ 135,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,657,261,000 | 1 | $ 223,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 1 | $ 162,000 |
| First Financial Bank, N.A. 101 N MAIN ST WEATHERFORD, TX 76086 |
* | $ 375,424,000 | 1 | $ 35,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 30,786,926,000 | 1 | $ 112,000 |
The tables below break down 2009 mortgage applications in Quitman 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 Quitman County, MS in 2009
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 | 55 | $3,655,000 | $66,000 | $225,000 | $41,000 | $124,000 |
| Home Purchase | 43 | $2,123,000 | $49,000 | $162,000 | $52,000 | $375,000 |
| Home Improvement | 30 | $431,000 | $14,000 | $90,000 | $36,000 | $102,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 61 | $2,811,000 | $46,000 | $225,000 | $41,000 | $375,000 |
| White | 57 | $2,663,000 | $46,000 | $120,000 | $48,000 | $129,000 |
| Not applicable | 5 | $451,000 | $90,000 | $223,000 | $5,000 | $26,000 |
| Not Provided | 5 | $284,000 | $56,000 | $111,000 | $64,000 | $100,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 105 | $4,055,000 | $38,000 | $120,000 | $40,000 | $129,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,245,000 | $77,000 | $162,000 | $77,000 | $375,000 |
| VA-guaranteed (Veterans Administration) | 4 | $735,000 | $183,000 | $225,000 | $16,000 | $64,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $174,000 | $58,000 | $67,000 | $22,000 | $34,000 |
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 | 63 | $2,594,000 | $41,000 | $223,000 | $47,000 | $375,000 |
| Application Denied By Financial Institution | 44 | $2,139,000 | $48,000 | $225,000 | $34,000 | $100,000 |
| Application Withdrawn By Applicant | 11 | $615,000 | $55,000 | $100,000 | $44,000 | $120,000 |
| Loan Purchased By The Institution | 8 | $765,000 | $95,000 | $223,000 | $57,000 | $375,000 |
| File Closed For Incompleteness | 1 | $66,000 | $66,000 | $66,000 | $124,000 | $124,000 |
| Application Approved But Not Accepted | 1 | $30,000 | $30,000 | $30,000 | $31,000 | $31,000 |
| 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 | 8 | $254,000 | $31,000 | $90,000 | $36,000 | $100,000 |
| Other | 3 | $306,000 | $102,000 | $135,000 | $30,000 | $34,000 |
| Unverifiable Information | 2 | $45,000 | $22,000 | $39,000 | $13,000 | $20,000 |
| Collateral | 2 | $112,000 | $56,000 | $72,000 | $60,000 | $65,000 |
| Debt-To-Income Ratio | 2 | $45,000 | $22,000 | $31,000 | $15,000 | $23,000 |
| Credit Application Incomplete | 1 | $39,000 | $39,000 | $39,000 | $51,000 | $51,000 |
| 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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