Walthall County, MS Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 512 mortgage applications in Walthall County, MS totaling $45.6 million, down 3% from 2008. The average application was for $89,000, and applicants reported an average income of $61,000. 49% of applications resulted in an originated loan and 28% were denied. The most active lender was Citizens Bank, with 121 applications, followed by Trustmark National 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 | 512 |
| Total Mortgage Loan Application Amount | $45,647,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $1,044,000 |
* 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 |
|---|---|---|---|---|
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 330,436,000 | 121 | $ 9,591,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,657,261,000 | 74 | $ 3,800,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 27 | $ 2,442,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 20 | $ 1,336,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 20 | $ 2,070,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 20 | $ 2,632,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 938,552,000 | 18 | $ 1,096,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 183,587,000 | 16 | $ 1,706,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 14 | $ 1,717,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 12 | $ 838,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 11 | $ 1,136,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 10 | $ 1,245,000 |
| Citizens Savings Bank 1725 SULLIVAN DR BOGALUSA, LA 70427 |
* | $ 215,582,000 | 10 | $ 1,070,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 9 | $ 432,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 7 | $ 833,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 556,180,000 | 6 | $ 230,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 6 | $ 155,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 5 | $ 667,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 5 | $ 816,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 5 | $ 358,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 5 | $ 617,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 5 | $ 714,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 317,000 |
| Whitney National Bank 400 LABARRE ROAD, 3RD FLOOR JEFFERSON, LA 70121 |
* | $ 12,368,310,000 | 5 | $ 349,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 4 | $ 451,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 4 | $ 655,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 616,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 4 | $ 38,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 588,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 4 | $ 494,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 4 | $ 63,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 756,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 376,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 3 | $ 22,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 2 | $ 287,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 306,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 2 | $ 146,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 3,710,374,000 | 2 | $ 145,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 249,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 200,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Standard Mortgage Corporation 701 POYDRAS ST 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ 31,000,000 | 1 | $ 137,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 1 | $ 220,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Walker Jackson Mortgage Corpor 14501 GEORGE CARTER WAY CHANTILLY, VA 20151 |
* | $ 292,944,000 | 1 | $ 157,000 |
| Just Mortgage 9680 HAVEN AVE. SUIT 200 RANCHO CUCAMONGA, CA 91730 |
* | $ 10,000,000 | 1 | $ 377,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 171,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 72,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 306,000 |
| Hancock Bank of Louisiana PO BOX 591 BATON ROUGE, LA 70821 |
* | $ 3,016,818,000 | 1 | $ 32,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 489,167,000 | 1 | $ 377,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 146,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 636,702,000 | 1 | $ 60,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 1 | $ 71,000 |
| Teche Federal Bank 1120 JEFFERSON TERRACE BLVD. NEW IBERIA, LA 70560 |
* | $ 765,314,000 | 1 | $ 40,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 146,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DR. VERNON HILLS, IL 60061 |
* | $ 36,000,000 | 1 | $ 164,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 417,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 1 | $ 30,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 1 | $ 100,000 |
The tables below break down 2009 mortgage applications in Walthall 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 Walthall 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 | 298 | $31,968,000 | $107,000 | $800,000 | $64,000 | $486,000 |
| Home Purchase | 132 | $11,172,000 | $84,000 | $420,000 | $57,000 | $1,044,000 |
| Home Improvement | 82 | $2,507,000 | $30,000 | $360,000 | $57,000 | $300,000 |
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 | 315 | $30,005,000 | $95,000 | $800,000 | $71,000 | $1,044,000 |
| Black or African American | 117 | $7,767,000 | $66,000 | $377,000 | $46,000 | $183,000 |
| Not applicable | 45 | $5,036,000 | $111,000 | $402,000 | $41,000 | $167,000 |
| Not Provided | 31 | $2,720,000 | $87,000 | $390,000 | $47,000 | $164,000 |
| Hispanic | 4 | $119,000 | $29,000 | $94,000 | $57,000 | $103,000 |
| 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) | 416 | $34,648,000 | $83,000 | $800,000 | $64,000 | $1,044,000 |
| FHA-insured (Federal Housing Administration) | 87 | $10,078,000 | $115,000 | $220,000 | $52,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $765,000 | $95,000 | $140,000 | $33,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 1 | $156,000 | $156,000 | $156,000 | $32,000 | $32,000 |
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 | 252 | $22,008,000 | $87,000 | $800,000 | $73,000 | $1,044,000 |
| Application Denied By Financial Institution | 141 | $10,770,000 | $76,000 | $417,000 | $47,000 | $223,000 |
| Loan Purchased By The Institution | 65 | $7,251,000 | $111,000 | $402,000 | $49,000 | $167,000 |
| Application Withdrawn By Applicant | 31 | $3,437,000 | $110,000 | $390,000 | $63,000 | $164,000 |
| Application Approved But Not Accepted | 16 | $1,531,000 | $95,000 | $377,000 | $48,000 | $86,000 |
| File Closed For Incompleteness | 7 | $650,000 | $92,000 | $215,000 | $58,000 | $95,000 |
| 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 | 45 | $2,124,000 | $47,000 | $185,000 | $37,000 | $160,000 |
| Debt-To-Income Ratio | 19 | $1,591,000 | $83,000 | $417,000 | $47,000 | $154,000 |
| Collateral | 18 | $2,349,000 | $130,000 | $360,000 | $86,000 | $223,000 |
| Other | 10 | $777,000 | $77,000 | $377,000 | $34,000 | $59,000 |
| Employment History | 2 | $50,000 | $25,000 | $40,000 | $25,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
| Unverifiable Information | 1 | $133,000 | $133,000 | $133,000 | $68,000 | $68,000 |
| Credit Application Incomplete | 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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