Stone County, MS Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 730 mortgage applications in Stone County, MS totaling $73.1 million, down 28% from 2009. The average application was for $100,000, and applicants reported an average income of $64,000. 47% of applications resulted in an originated loan and 22% were denied. The most active lender was Bank of Wiggins, with 87 applications, followed by The First, A National Banking Association and Bank of America, N.A..
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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 | 730 |
| Total Mortgage Loan Application Amount | $73,063,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $490,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $1,975,000 |
* 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 |
|---|---|---|---|---|
| Bank of Wiggins P.O. DRAWER 67 WIGGINS, MS 39577 |
* | $ 180,509,000 | 87 | $ 3,321,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 476,665,000 | 61 | $ 4,683,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 56 | $ 7,562,000 |
| Hancock Bank ONE HANCOCK PLAZA GULFPORT, MS 39501 |
* | $ 5,301,159,000 | 42 | $ 4,100,000 |
| First National Bank of Picayun 121 EAST CANAL STREET PICAYUNE, MS 39466 |
* | $ 208,812,000 | 36 | $ 3,109,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 33 | $ 3,738,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 28 | $ 3,441,000 |
| The Peoples Bank 152 LAMEUSE ST BILOXI, MS 39530 |
* | $ 864,312,000 | 25 | $ 614,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 25 | $ 2,556,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 1,808,611,000 | 22 | $ 1,376,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 19 | $ 2,880,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 18 | $ 2,337,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,396,294,000 | 18 | $ 2,363,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,163,459,000 | 15 | $ 1,896,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 14 | $ 1,944,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 14 | $ 1,384,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 13 | $ 1,798,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 12 | $ 731,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 12 | $ 2,048,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 12 | $ 1,386,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 11 | $ 1,752,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 10 | $ 1,346,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 367,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 8 | $ 1,224,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 8 | $ 615,000 |
| Community Bank, Coast P. O. BOX 7588 GULFPORT, MS 39506 |
* | $ 429,733,000 | 7 | $ 917,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 1,091,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 5 | $ 811,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 114,000 |
| Gulf Coast Community Federal Credit Union 12364 HWY 49 GULFPORT, MS 39503 |
* | $ 60,581,000 | 4 | $ 306,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 4 | $ 319,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 284,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 4 | $ 544,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 3 | $ 314,000 |
| Whitney National Bank 400 LABARRE ROAD, 3RD FLOOR JEFFERSON, LA 70121 |
* | $ 11,877,069,000 | 3 | $ 118,000 |
| Grand Bank for Saving, Sfsb 204 WESTOVER DRIVE HATTIESBURG, MS 39402 |
* | $ 139,821,000 | 3 | $ 293,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 593,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 524,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 350,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 2 | $ 320,000 |
| Standard Mortgage Corporation 701 POYDRAS ST 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ 31,000,000 | 2 | $ 211,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 529,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 2 | $ 126,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 2 | $ 34,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,421,986,000 | 2 | $ 87,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 188,537,000 | 2 | $ 364,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 2 | $ 295,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 236,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 906,535,000 | 2 | $ 81,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 213,366,000 | 2 | $ 412,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 2 | $ 260,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 332,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 1 | $ 64,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 80,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 114,000 |
| Eagle Express Fed. Cr. Un PO BOX 567 JACKSON, MS 39205 |
* | $ 59,348,000 | 1 | $ 142,000 |
| Superior Bank 17 NORTH 20TH STREET BIRMINGHAM, AL 35203 |
* | $ 3,220,737,000 | 1 | $ 152,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 1 | $ 80,000 |
| Bankmortgagesolutions LLC 14425 COLLEGE BLVD SUITE 100 LENEXA, KS 66215 |
* | $ 11,000,000 | 1 | $ 126,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 25,841,918,000 | 1 | $ 154,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 1 | $ 110,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 64,608,091,000 | 1 | $ 142,000 |
| Rivertrust Federal Credit Union P O BOX 97997 PEARL, MS 39288 |
* | $ 124,794,000 | 1 | $ 305,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ 449,345,000 | 1 | $ 50,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 906,286,000 | 1 | $ 64,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 197,965,000 | 1 | $ 75,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 82,000 |
| Century Bank P O BOX 647 LUCEDALE, MS 39452 |
* | $ 244,431,000 | 1 | $ 4,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,144,987,000 | 1 | $ 201,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 599,709,000 | 1 | $ 37,000 |
| Charter Bank 1721 MEDICAL PARK DRIVE SUITE 103 BILOXI, MS 39532 |
* | $ 69,821,000 | 1 | $ 46,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 139,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 133,000 |
| Dryades Savings Bank, F.S.B. 233 CARONDELET NEW ORLEANS, LA 70130 |
* | $ 82,668,000 | 1 | $ 124,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ 146,256,000 | 1 | $ 68,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 1,402,014,000 | 1 | $ 205,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ 124,288,000 | 1 | $ 39,000 |
| America's Mortgage Resource 3317 N. I-10 SERVICE RD. SUITE 200 METAIRIE, LA 70002 |
* | $ 10,000,000 | 1 | $ 174,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 110,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 233,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 79,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 101,000 |
The tables below break down 2010 mortgage applications in Stone 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 Stone County, MS in 2010
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 | 399 | $45,445,000 | $113,000 | $490,000 | $62,000 | $1,975,000 |
| Home Purchase | 244 | $25,830,000 | $105,000 | $280,000 | $71,000 | $600,000 |
| Home Improvement | 87 | $1,788,000 | $20,000 | $150,000 | $49,000 | $488,000 |
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 | 550 | $53,302,000 | $96,000 | $490,000 | $71,000 | $1,975,000 |
| Black or African American | 85 | $7,517,000 | $88,000 | $305,000 | $44,000 | $405,000 |
| Not Provided | 48 | $5,741,000 | $119,000 | $290,000 | $66,000 | $319,000 |
| Not applicable | 41 | $5,650,000 | $137,000 | $280,000 | $4,000 | $100,000 |
| Asian | 3 | $375,000 | $125,000 | $133,000 | $94,000 | $131,000 |
| American Indian or Alaskan Native | 2 | $299,000 | $149,000 | $201,000 | $79,000 | $101,000 |
| Hispanic | 1 | $179,000 | $179,000 | $179,000 | $66,000 | $66,000 |
| 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) | 531 | $44,839,000 | $84,000 | $490,000 | $69,000 | $1,975,000 |
| FHA-insured (Federal Housing Administration) | 113 | $15,851,000 | $140,000 | $267,000 | $61,000 | $594,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $4,903,000 | $106,000 | $194,000 | $39,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 40 | $7,470,000 | $186,000 | $278,000 | $35,000 | $159,000 |
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 | 341 | $29,334,000 | $86,000 | $369,000 | $73,000 | $1,975,000 |
| Application Denied By Financial Institution | 157 | $13,886,000 | $88,000 | $312,000 | $54,000 | $488,000 |
| Loan Purchased By The Institution | 109 | $14,596,000 | $133,000 | $278,000 | $42,000 | $294,000 |
| Application Withdrawn By Applicant | 86 | $11,068,000 | $128,000 | $490,000 | $68,000 | $594,000 |
| Application Approved But Not Accepted | 27 | $2,302,000 | $85,000 | $199,000 | $84,000 | $339,000 |
| File Closed For Incompleteness | 10 | $1,877,000 | $187,000 | $310,000 | $49,000 | $117,000 |
| 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 | 47 | $2,933,000 | $62,000 | $217,000 | $41,000 | $93,000 |
| Collateral | 17 | $1,738,000 | $102,000 | $205,000 | $113,000 | $488,000 |
| Debt-To-Income Ratio | 12 | $655,000 | $54,000 | $105,000 | $26,000 | $49,000 |
| Credit Application Incomplete | 9 | $1,274,000 | $141,000 | $216,000 | $63,000 | $110,000 |
| Other | 4 | $613,000 | $153,000 | $312,000 | $104,000 | $147,000 |
| Unverifiable Information | 3 | $330,000 | $110,000 | $150,000 | $59,000 | $70,000 |
| Employment History | 2 | $130,000 | $65,000 | $127,000 | $39,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $34,000 | $34,000 | $34,000 | $14,000 | $14,000 |
| 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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