Wayne County, MS Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 653 mortgage applications in Wayne County, MS totaling $53.0 million, down 15% from 2008. The average application was for $81,000, and applicants reported an average income of $57,000. 53% of applications resulted in an originated loan and 26% were denied. The most active lender was First State Bank, with 108 applications, followed by Bancorpsouth Bank and Citifinancial, 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 | 653 |
| Total Mortgage Loan Application Amount | $53,043,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $1,511,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $318,000 |
* 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 |
|---|---|---|---|---|
| First State Bank P O BOX 506 WAYNESBORO, MS 39367 |
* | $ 397,296,000 | 108 | $ 7,074,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,488,870,000 | 58 | $ 4,236,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 38 | $ 1,836,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 636,702,000 | 36 | $ 3,197,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 30 | $ 4,081,000 |
| Great Southern National Bank P O BOX 1271 MERIDIAN, MS 39302 |
* | $ 246,352,000 | 25 | $ 1,576,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 1,674,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,158,027,000 | 21 | $ 1,830,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 21 | $ 2,401,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 18 | $ 807,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 17 | $ 1,947,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 17 | $ 488,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 16 | $ 1,760,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,148,639,000 | 15 | $ 421,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,657,261,000 | 14 | $ 1,236,000 |
| Richton Bank & Trust Company 114 S FRONT STREET (PO BOX 527) RICHTON, MS 39476 |
* | $ 79,528,000 | 12 | $ 515,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 12 | $ 1,374,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 12 | $ 405,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 11 | $ 500,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 10 | $ 746,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 9 | $ 1,178,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 8 | $ 1,246,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 675,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 556,180,000 | 6 | $ 323,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 6 | $ 810,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 183,587,000 | 5 | $ 223,000 |
| Grand Bank for Saving, Sfsb 204 WESTOVER DRIVE HATTIESBURG, MS 39402 |
* | $ 133,025,000 | 4 | $ 625,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 4 | $ 573,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 4 | $ 206,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 3 | $ 262,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 3 | $ 127,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 3 | $ 184,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 3 | $ 100,000 |
| Hancock Bank ONE HANCOCK PLAZA GULFPORT, MS 39501 |
* | $ 3,851,472,000 | 3 | $ 130,000 |
| Omnibank 236 E CAPITOL ST JACKSON, MS 39201 |
* | $ 74,366,000 | 3 | $ 119,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 644,923,000 | 3 | $ 241,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 473,755,000 | 3 | $ 422,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 2 | $ 339,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 257,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 2,657,417,000 | 2 | $ 69,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 2 | $ 175,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 323,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 2 | $ 24,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 2 | $ 34,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ 124,912,000 | 2 | $ 114,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 2 | $ 268,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 126,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 252,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 291,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 2 | $ 235,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 191,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 123,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 40,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 178,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 255,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 2 | $ 31,000 |
| Main Street Home Loans LLC 4010 OLD MILTON PARKWAY ALPHARETTA, GA 30005 |
* | $ 11,000,000 | 1 | $ 130,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 7,000 |
| Singing River Federal Credit Union 6006 HWY 63 MOSS POINT, MS 39563 |
* | $ 132,072,000 | 1 | $ 57,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 1 | $ 53,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 53,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 135,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 147,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,629,217,000 | 1 | $ 135,000 |
| Superior Bank 17 NORTH 20TH STREET BIRMINGHAM, AL 35203 |
* | $ 3,034,347,000 | 1 | $ 77,000 |
| Community Bank, Coast P. O. BOX 7588 GULFPORT, MS 39506 |
* | $ 417,457,000 | 1 | $ 7,000 |
| Grandbridge Real Est Capital 223 W NASH STREET WILSON, NC 27893 |
* | $ 74,000,000,000 | 1 | $ 1,511,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 132,000 |
| First Community Bank 34 COURT STREET CHATOM, AL 36518 |
* | $ 322,363,000 | 1 | $ 71,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 1 | $ 52,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 176,017,000 | 1 | $ 10,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 601,167,000 | 1 | $ 346,000 |
The tables below break down 2009 mortgage applications in Wayne 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 Wayne 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 | 343 | $33,793,000 | $98,000 | $1,279,000 | $59,000 | $220,000 |
| Home Purchase | 203 | $15,483,000 | $76,000 | $450,000 | $52,000 | $262,000 |
| Home Improvement | 107 | $3,767,000 | $35,000 | $1,511,000 | $59,000 | $318,000 |
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 | 418 | $36,144,000 | $86,000 | $1,279,000 | $68,000 | $318,000 |
| Black or African American | 145 | $9,163,000 | $63,000 | $266,000 | $39,000 | $134,000 |
| Not applicable | 49 | $4,561,000 | $93,000 | $1,511,000 | $22,000 | $220,000 |
| Not Provided | 36 | $2,866,000 | $79,000 | $184,000 | $44,000 | $125,000 |
| Hispanic | 3 | $127,000 | $42,000 | $95,000 | $77,000 | $103,000 |
| Asian | 2 | $182,000 | $91,000 | $116,000 | $66,000 | $80,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 515 | $37,207,000 | $72,000 | $1,279,000 | $59,000 | $318,000 |
| FHA-insured (Federal Housing Administration) | 108 | $13,133,000 | $121,000 | $1,511,000 | $51,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,398,000 | $88,000 | $133,000 | $31,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 3 | $305,000 | $101,000 | $138,000 | $33,000 | $64,000 |
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 | 348 | $27,014,000 | $77,000 | $1,279,000 | $65,000 | $318,000 |
| Application Denied By Financial Institution | 169 | $14,122,000 | $83,000 | $1,511,000 | $47,000 | $230,000 |
| Loan Purchased By The Institution | 67 | $5,857,000 | $87,000 | $356,000 | $38,000 | $220,000 |
| Application Withdrawn By Applicant | 36 | $3,226,000 | $89,000 | $260,000 | $50,000 | $108,000 |
| Application Approved But Not Accepted | 20 | $1,719,000 | $85,000 | $248,000 | $65,000 | $204,000 |
| File Closed For Incompleteness | 13 | $1,105,000 | $85,000 | $224,000 | $52,000 | $134,000 |
| 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 | 42 | $3,173,000 | $75,000 | $1,511,000 | $42,000 | $151,000 |
| Collateral | 15 | $2,109,000 | $140,000 | $278,000 | $87,000 | $230,000 |
| Debt-To-Income Ratio | 11 | $1,275,000 | $115,000 | $565,000 | $29,000 | $43,000 |
| Other | 7 | $638,000 | $91,000 | $149,000 | $60,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $251,000 | $83,000 | $145,000 | $25,000 | $53,000 |
| Unverifiable Information | 1 | $68,000 | $68,000 | $68,000 | $52,000 | $52,000 |
| Employment History | 1 | $259,000 | $259,000 | $259,000 | $121,000 | $121,000 |
| Credit Application Incomplete | 1 | $239,000 | $239,000 | $239,000 | $91,000 | $91,000 |
| 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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