Smith County, MS Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 416 mortgage applications in Smith County, MS totaling $30.6 million, down 9% from 2006. The average application was for $73,000, and applicants reported an average income of $55,000. 50% of applications resulted in an originated loan and 25% were denied. The most active lender was Trustmark National Bank, with 71 applications, followed by Community Bank of Mississippi and Priorityone 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 | 416 |
| Total Mortgage Loan Application Amount | $30,630,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $476,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $331,000 |
* 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 |
|---|---|---|---|---|
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 8,704,094,000 | 71 | $ 3,669,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 620,950,000 | 49 | $ 2,162,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 429,823,000 | 21 | $ 681,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 164,103,000 | 16 | $ 1,029,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 16 | $ 1,605,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 12,045,080,000 | 15 | $ 827,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 423,154,000 | 13 | $ 850,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,667,948,000 | 13 | $ 1,350,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 13 | $ 563,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 10 | $ 1,223,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 1,033,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 8 | $ 384,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 8 | $ 870,000 |
| Wells Fargo Fin'l Mississippi 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 8 | $ 806,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 7 | $ 401,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 7 | $ 1,673,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 6 | $ 473,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 6 | $ 433,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 6 | $ 657,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 6 | $ 552,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 385,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 4 | $ 292,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 4 | $ 209,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,762,171,000 | 4 | $ 216,000 |
| Hancock Bank ONE HANCOCK PLAZA GULFPORT, MS 39501 |
* | $ 3,496,082,000 | 4 | $ 107,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 442,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 3 | $ 252,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 3 | $ 328,000 |
| Omnibank 236 E CAPITOL ST JACKSON, MS 39201 |
* | $ 84,633,000 | 3 | $ 40,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ 100,856,000 | 3 | $ 151,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 159,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 3 | $ 197,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 3 | $ 73,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 3 | $ 376,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 436,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 416,495,000 | 2 | $ 89,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 2 | $ 394,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 146,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 2 | $ 125,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 324,000 |
| Realty Mortgage 215 KATHERINE DR. FLOWOOD, MS 39232 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Homeview Lending, Inc. 8140 WARD PARKWAY KANSAS CITY, OH 64114 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 165,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 228,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 2 | $ 199,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 1,799,700,000 | 2 | $ 15,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,595,722,000 | 2 | $ 95,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 138,667,948,000 | 2 | $ 212,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 1 | $ 106,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 1 | $ 132,000 |
| Grand Bank for Saving, Sfsb 204 WESTOVER DRIVE HATTIESBURG, MS 39402 |
* | $ 89,466,000 | 1 | $ 52,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 117,134,085,000 | 1 | $ 236,000 |
| Bank of Yazoo P.O. BOX 600 YAZOO CITY, MS 39194 |
* | $ 209,116,000 | 1 | $ 157,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 15,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 92,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 203,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 42,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 272,000 |
| Jackson Area Federal Credit Un P O BOX 1403 JACKSON, MS 39215 |
* | $ 38,255,000 | 1 | $ 41,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 1 | $ 52,000 |
| Acceleron Lending, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 132,000 |
| Mortgage Consultants, Inc. 110A BELLE MEADE POINTE FLOWOOD, MS 39232 |
* | $ 1,000,000 | 1 | $ 299,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 182,000 |
| Aaa Worldwide Financial Co. 5057 KELLER SPRINGS RD, STE 300 ADDISON, TX 75001 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 168,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 62,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 390,576,000 | 1 | $ 70,000 |
| Greenpoint Mortgage Funding 100 WOOD HOLLOW DRIVE NOVATO, CA 94945 |
* | $ 6,677,533,000 | 1 | $ 95,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 35,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 56,382,388,000 | 1 | $ 40,000 |
| Iberiabank 200 W CONGRESS STREET LAFAYETTE, LA 70501 |
* | $ 3,192,719,000 | 1 | $ 110,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 1 | $ 48,000 |
The tables below break down 2007 mortgage applications in Smith 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 Smith County, MS in 2007
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 | 196 | $18,207,000 | $92,000 | $395,000 | $61,000 | $331,000 |
| Home Purchase | 138 | $9,976,000 | $72,000 | $476,000 | $51,000 | $315,000 |
| Home Improvement | 82 | $2,447,000 | $29,000 | $296,000 | $47,000 | $243,000 |
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 | 303 | $21,938,000 | $72,000 | $476,000 | $60,000 | $331,000 |
| Black or African American | 62 | $4,086,000 | $65,000 | $210,000 | $47,000 | $194,000 |
| Not applicable | 24 | $2,501,000 | $104,000 | $299,000 | $16,000 | $228,000 |
| Not Provided | 22 | $1,828,000 | $83,000 | $272,000 | $47,000 | $120,000 |
| Hispanic | 2 | $50,000 | $25,000 | $25,000 | $62,000 | $62,000 |
| American Indian or Alaskan Native | 2 | $115,000 | $57,000 | $75,000 | $34,000 | $36,000 |
| Asian | 1 | $112,000 | $112,000 | $112,000 | $36,000 | $36,000 |
| 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) | 397 | $28,675,000 | $72,000 | $476,000 | $55,000 | $331,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,380,000 | $106,000 | $187,000 | $72,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $575,000 | $95,000 | $136,000 | $25,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 208 | $13,165,000 | $63,000 | $395,000 | $62,000 | $331,000 |
| Application Denied By Financial Institution | 105 | $7,175,000 | $68,000 | $385,000 | $51,000 | $315,000 |
| Loan Purchased By The Institution | 40 | $4,352,000 | $108,000 | $299,000 | $33,000 | $228,000 |
| Application Approved But Not Accepted | 26 | $2,737,000 | $105,000 | $476,000 | $52,000 | $126,000 |
| Application Withdrawn By Applicant | 25 | $1,956,000 | $78,000 | $319,000 | $40,000 | $105,000 |
| File Closed For Incompleteness | 12 | $1,245,000 | $103,000 | $173,000 | $65,000 | $240,000 |
| 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 | 32 | $2,318,000 | $72,000 | $385,000 | $45,000 | $286,000 |
| Collateral | 11 | $731,000 | $66,000 | $168,000 | $30,000 | $55,000 |
| Debt-To-Income Ratio | 9 | $429,000 | $47,000 | $158,000 | $29,000 | $60,000 |
| Other | 7 | $789,000 | $112,000 | $189,000 | $101,000 | $194,000 |
| Credit Application Incomplete | 5 | $416,000 | $83,000 | $134,000 | $54,000 | $103,000 |
| Unverifiable Information | 1 | $40,000 | $40,000 | $40,000 | $174,000 | $174,000 |
| Employment History | 1 | $133,000 | $133,000 | $133,000 | $37,000 | $37,000 |
| 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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