Washington County, MS Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 889 mortgage applications in Washington County, MS totaling $125.2 million, down 9% from 2012. The average application was for $140,000, and applicants reported an average income of $63,000. 51% of applications resulted in an originated loan and 26% were denied. The most active lender was Regions Bank, with 180 applications, followed by Guaranty Bank & Trust Company and Trustmark 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 | 889 |
| Total Mortgage Loan Application Amount | $125,165,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $48,103,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $1,801,000 |
* 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 |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 180 | $ 13,715,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 568,171,000 | 117 | $ 5,484,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 9,716,802,000 | 70 | $ 3,487,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 48 | $ 4,423,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 285,129,000 | 43 | $ 5,957,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 33 | $ 4,600,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 1,117,585,000 | 32 | $ 2,028,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 29 | $ 2,625,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 28 | $ 2,206,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 20 | $ 2,331,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 16 | $ 870,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 15 | $ 1,567,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 13 | $ 1,982,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 11 | $ 2,383,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 11 | $ 1,030,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 11 | $ 675,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 11 | $ 1,226,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 9 | $ 960,000 |
| Community Bank, North Mississippi P. O. BOX 270 AMORY, MS 38821 |
* | $ 481,684,000 | 9 | $ 538,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 9 | $ 1,593,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,256,147,000 | 9 | $ 232,000 |
| Fbt Mortgage, L.L.C. 6911 WASHINGTON AVE SUITE B OCEAN SPRINGS, MS 39564 |
* | $ 678,000,000 | 8 | $ 907,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,390,496,000 | 8 | $ 840,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 699,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 618,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 742,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 359,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 6 | $ 139,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 6 | $ 586,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 5 | $ 728,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,076,739,000 | 5 | $ 725,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 5 | $ 313,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 4 | $ 632,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 4 | $ 372,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 4 | $ 538,000 |
| Liberty Bank 6600 PLAZA DRIVE NEW ORLEANS, LA 70127 |
* | $ 535,765,000 | 4 | $ 524,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD ROAD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 3 | $ 416,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,243,098,000 | 3 | $ 212,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,169,063,000 | 3 | $ 671,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 943,422,000 | 3 | $ 11,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 315,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 437,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 326,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 293,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 2 | $ 145,000 |
| Simmons First National Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 2,081,828,000 | 2 | $ 333,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 2 | $ 109,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 195,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 309,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 1 | $ 130,000 |
| Southern Security Federal Credit Union 765 W POPLAR AVE COLLIERVILLE, TN 38017 |
* | $ 129,211,000 | 1 | $ 75,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 48,103,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 718,364,000 | 1 | $ 89,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 108,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 1 | $ 10,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 134,000 |
| Usameribank 4790 140TH AVE N CLEARWATER, FL 33762 |
* | $ 2,594,954,000 | 1 | $ 127,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 1 | $ 186,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 18,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ 161,453,000 | 1 | $ 82,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 87,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,701,612,000 | 1 | $ 215,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 143,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 51,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 636,087,000 | 1 | $ 50,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 123,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 156,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 84,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 62,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 224,000 |
The tables below break down 2013 mortgage applications in Washington 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 Washington County, MS in 2013
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 | 467 | $95,147,000 | $203,000 | $48,103,000 | $76,000 | $1,801,000 |
| Home Purchase | 282 | $27,260,000 | $96,000 | $343,000 | $50,000 | $605,000 |
| Home Improvement | 140 | $2,758,000 | $19,000 | $459,000 | $44,000 | $153,000 |
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 | 372 | $40,115,000 | $107,000 | $459,000 | $90,000 | $1,801,000 |
| Black or African American | 348 | $21,722,000 | $62,000 | $314,000 | $51,000 | $623,000 |
| Not applicable | 106 | $57,530,000 | $542,000 | $48,103,000 | $17,000 | $270,000 |
| Not Provided | 58 | $5,185,000 | $89,000 | $289,000 | $42,000 | $259,000 |
| Hispanic | 3 | $276,000 | $92,000 | $176,000 | $37,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $26,000 | $26,000 |
| Asian | 1 | $232,000 | $232,000 | $232,000 | $90,000 | $90,000 |
| American Indian or Alaskan Native | 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) | 642 | $52,983,000 | $82,000 | $459,000 | $72,000 | $1,801,000 |
| FHA-insured (Federal Housing Administration) | 196 | $66,178,000 | $337,000 | $48,103,000 | $35,000 | $210,000 |
| VA-guaranteed (Veterans Administration) | 39 | $4,916,000 | $126,000 | $230,000 | $49,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,088,000 | $90,000 | $138,000 | $36,000 | $62,000 |
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 | 451 | $40,063,000 | $88,000 | $459,000 | $78,000 | $1,801,000 |
| Application Denied By Financial Institution | 229 | $14,553,000 | $63,000 | $368,000 | $48,000 | $451,000 |
| Loan Purchased By The Institution | 115 | $59,961,000 | $521,000 | $48,103,000 | $27,000 | $253,000 |
| Application Withdrawn By Applicant | 45 | $6,051,000 | $134,000 | $392,000 | $80,000 | $276,000 |
| Application Approved But Not Accepted | 28 | $2,171,000 | $77,000 | $309,000 | $70,000 | $605,000 |
| File Closed For Incompleteness | 21 | $2,366,000 | $112,000 | $260,000 | $45,000 | $185,000 |
| 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 | 34 | $990,000 | $29,000 | $160,000 | $40,000 | $130,000 |
| Debt-To-Income Ratio | 30 | $1,558,000 | $51,000 | $284,000 | $33,000 | $105,000 |
| Collateral | 18 | $1,861,000 | $103,000 | $368,000 | $57,000 | $141,000 |
| Other | 9 | $526,000 | $58,000 | $116,000 | $64,000 | $210,000 |
| Credit Application Incomplete | 8 | $1,090,000 | $136,000 | $314,000 | $77,000 | $173,000 |
| Unverifiable Information | 3 | $264,000 | $88,000 | $182,000 | $103,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $114,000 | $114,000 | $114,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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