Smith County, MS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 486 mortgage applications in Smith County, MS totaling $34.0 million, up 10% from 2011. The average application was for $69,000, and applicants reported an average income of $51,000. 53% of applications resulted in an originated loan and 27% were denied. The most active lender was Trustmark National Bank, with 71 applications, followed by Community Bank of Mississippi and 21st Mortgage.
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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 | 486 |
| Total Mortgage Loan Application Amount | $33,965,000 |
| Average Mortgage Loan Application Amount | $69,000 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $280,000 |
| 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 |
* | $ 9,612,081,000 | 71 | $ 6,479,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 639,243,000 | 69 | $ 4,342,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 55 | $ 2,635,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 32 | $ 1,432,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 264,492,000 | 29 | $ 2,155,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 12,990,345,000 | 20 | $ 1,203,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 20 | $ 265,000 |
| The Bank of Forest 211 WEST THIRD STREET FOREST, MS 39074 |
* | $ 142,309,000 | 20 | $ 570,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 17 | $ 1,954,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 228,911,000 | 17 | $ 579,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 15 | $ 1,279,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 13 | $ 973,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 12 | $ 1,013,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 511,515,000 | 11 | $ 470,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 630,628,000 | 9 | $ 1,142,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,177,006,000 | 5 | $ 127,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 628,766,000 | 5 | $ 279,000 |
| Omnibank 236 E CAPITOL ST JACKSON, MS 39201 |
* | $ 76,437,000 | 5 | $ 185,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 5 | $ 367,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 5 | $ 193,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD ROAD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 4 | $ 552,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 590,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 4 | $ 543,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 3 | $ 275,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 3 | $ 248,000 |
| Merchants and Farmers Bank 134 WEST WASHINGTON ST KOSCIUSKO, MS 39090 |
* | $ 1,561,320,000 | 2 | $ 149,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 80,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 2 | $ 622,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 242,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 277,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 187,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 679,893,000 | 2 | $ 242,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 2,470,701,000 | 1 | $ 116,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ 177,121,000 | 1 | $ 35,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 337,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 69,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,488,863,000 | 1 | $ 151,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 232,000 |
| Bankers Mortgage Center, Inc. 909 NORTH 18TH STREET STE 110 MONROE, LA 71201 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 108,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 235,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 67,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 206,009,683,000 | 1 | $ 48,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 52,000 |
| Eustis Mortgage Corporation 1100 POYDRAS STREET, SUITE 2525 NEW ORLEANS, LA 70163 |
* | $ 10,000,000 | 1 | $ 217,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 5,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ 853,660,000 | 1 | $ 32,000 |
The tables below break down 2012 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 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 | 219 | $12,095,000 | $55,000 | $236,000 | $43,000 | $192,000 |
| Refinancing | 210 | $19,781,000 | $94,000 | $765,000 | $59,000 | $280,000 |
| Home Improvement | 57 | $2,089,000 | $36,000 | $155,000 | $55,000 | $200,000 |
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 | 357 | $26,334,000 | $73,000 | $765,000 | $58,000 | $280,000 |
| Black or African American | 95 | $4,091,000 | $43,000 | $217,000 | $35,000 | $84,000 |
| Not applicable | 21 | $2,588,000 | $123,000 | $337,000 | $2,000 | $59,000 |
| Not Provided | 11 | $909,000 | $82,000 | $235,000 | $67,000 | $175,000 |
| Hispanic | 2 | $43,000 | $21,000 | $26,000 | $31,000 | $46,000 |
| 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) | 421 | $27,088,000 | $64,000 | $765,000 | $53,000 | $280,000 |
| FHA-insured (Federal Housing Administration) | 42 | $4,526,000 | $107,000 | $251,000 | $50,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,673,000 | $98,000 | $217,000 | $30,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 6 | $678,000 | $113,000 | $143,000 | $19,000 | $47,000 |
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 | 256 | $18,072,000 | $70,000 | $765,000 | $61,000 | $280,000 |
| Application Denied By Financial Institution | 132 | $5,870,000 | $44,000 | $226,000 | $33,000 | $99,000 |
| Loan Purchased By The Institution | 40 | $4,956,000 | $123,000 | $337,000 | $30,000 | $83,000 |
| Application Approved But Not Accepted | 31 | $1,966,000 | $63,000 | $260,000 | $56,000 | $120,000 |
| Application Withdrawn By Applicant | 23 | $2,630,000 | $114,000 | $285,000 | $68,000 | $199,000 |
| File Closed For Incompleteness | 4 | $471,000 | $117,000 | $235,000 | $87,000 | $175,000 |
| 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 | 58 | $2,189,000 | $37,000 | $226,000 | $35,000 | $85,000 |
| Debt-To-Income Ratio | 23 | $1,094,000 | $47,000 | $110,000 | $30,000 | $60,000 |
| Collateral | 4 | $213,000 | $53,000 | $89,000 | $36,000 | $79,000 |
| Other | 3 | $42,000 | $14,000 | $30,000 | $23,000 | $49,000 |
| Credit Application Incomplete | 1 | $50,000 | $50,000 | $50,000 | $73,000 | $73,000 |
| Employment History | 1 | $49,000 | $49,000 | $49,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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