Quitman County, MS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 131 mortgage applications in Quitman County, MS totaling $6.5 million, up 8% from 2011. The average application was for $49,000, and applicants reported an average income of $59,000. 60% of applications resulted in an originated loan and 26% were denied. The most active lender was Citizens Bank & Trust Co., with 39 applications, followed by Regions Bank and First Security Bank.
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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 | 131 |
| Total Mortgage Loan Application Amount | $6,521,000 |
| Average Mortgage Loan Application Amount | $49,000 |
| Highest Mortgage Loan Application Amount | $225,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $552,000 |
| 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 |
* | $ 124,083,000 | 39 | $ 2,331,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 17 | $ 760,000 |
| First Security Bank P.O. BOX 690 BATESVILLE, MS 38606 |
* | $ 498,446,000 | 11 | $ 301,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 8 | $ 481,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 353,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 5 | $ 245,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 1,147,058,000 | 5 | $ 159,000 |
| Covenant Bank P. O. BOX 550 CLARKSDALE, MS 38614 |
* | $ 230,660,000 | 4 | $ 20,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 3 | $ 233,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 12,990,345,000 | 3 | $ 299,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 2 | $ 153,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 154,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 2 | $ 80,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 2 | $ 80,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 535,508,000 | 2 | $ 50,000 |
| Shreveport Federal Credit Unio 8530 FERN AVE. SHREVEPORT, LA 71105 |
* | $ 86,740,000 | 2 | $ 67,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 83,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 7,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 628,766,000 | 1 | $ 23,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,196,437,000 | 1 | $ 19,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 56,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 1 | $ 8,000 |
| Healthnet Federal Credit Union 1591 CHICKERING LANE CORDOVA, TN 38016 |
* | $ 44,371,000 | 1 | $ 20,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 31,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 54,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 53,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 64,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 50,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 56,000 |
The tables below break down 2012 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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 59 | $3,427,000 | $58,000 | $225,000 | $53,000 | $552,000 |
| Refinancing | 46 | $2,481,000 | $53,000 | $145,000 | $68,000 | $514,000 |
| Home Improvement | 26 | $613,000 | $23,000 | $111,000 | $59,000 | $190,000 |
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 | 62 | $2,685,000 | $43,000 | $125,000 | $38,000 | $86,000 |
| White | 59 | $3,430,000 | $58,000 | $225,000 | $87,000 | $552,000 |
| Not applicable | 5 | $181,000 | $36,000 | $65,000 | $0 | $0 |
| Not Provided | 3 | $126,000 | $42,000 | $79,000 | $55,000 | $101,000 |
| Hispanic | 2 | $99,000 | $49,000 | $80,000 | $52,000 | $86,000 |
| 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) | 104 | $4,888,000 | $47,000 | $225,000 | $66,000 | $552,000 |
| FHA-insured (Federal Housing Administration) | 14 | $680,000 | $48,000 | $88,000 | $37,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $679,000 | $75,000 | $128,000 | $30,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 4 | $274,000 | $68,000 | $92,000 | $30,000 | $63,000 |
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 | 79 | $3,801,000 | $48,000 | $225,000 | $70,000 | $552,000 |
| Application Denied By Financial Institution | 34 | $1,768,000 | $52,000 | $128,000 | $45,000 | $168,000 |
| Application Approved But Not Accepted | 6 | $363,000 | $60,000 | $88,000 | $37,000 | $54,000 |
| Loan Purchased By The Institution | 6 | $303,000 | $50,000 | $82,000 | $13,000 | $47,000 |
| Application Withdrawn By Applicant | 4 | $184,000 | $46,000 | $70,000 | $72,000 | $190,000 |
| File Closed For Incompleteness | 2 | $102,000 | $51,000 | $53,000 | $83,000 | $86,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 6 | $283,000 | $47,000 | $100,000 | $30,000 | $80,000 |
| Credit History | 5 | $258,000 | $51,000 | $125,000 | $42,000 | $62,000 |
| Credit Application Incomplete | 2 | $142,000 | $71,000 | $82,000 | $52,000 | $55,000 |
| Other | 2 | $111,000 | $55,000 | $80,000 | $83,000 | $86,000 |
| Unverifiable Information | 1 | $40,000 | $40,000 | $40,000 | $62,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $29,000 | $29,000 | $29,000 | $17,000 | $17,000 |
| Collateral | 1 | $128,000 | $128,000 | $128,000 | $54,000 | $54,000 |
| Employment History | 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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