Webster County, MS Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 330 mortgage applications in Webster County, MS totaling $24.9 million, down 4% from 2009. The average application was for $75,000, and applicants reported an average income of $52,000. 43% of applications resulted in an originated loan and 25% were denied. The most active lender was Regions Bank, with 53 applications, followed by Bancorpsouth 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 | 330 |
| Total Mortgage Loan Application Amount | $24,891,000 |
| Average Mortgage Loan Application Amount | $75,000 |
| Highest Mortgage Loan Application Amount | $264,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $425,000 |
* 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 - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 53 | $ 4,558,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,163,459,000 | 27 | $ 1,976,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 27 | $ 1,839,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 1,832,921,000 | 25 | $ 1,014,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 22 | $ 791,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 19 | $ 2,088,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 18 | $ 1,701,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 16 | $ 761,000 |
| Omnibank 236 E CAPITOL ST JACKSON, MS 39201 |
* | $ 76,737,000 | 13 | $ 777,000 |
| Bankfirst Financial Services 110 SOUTH JEFFERSON MACON, MS 39341 |
* | $ 723,147,000 | 9 | $ 503,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 9 | $ 950,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 9 | $ 733,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,353,638,000 | 8 | $ 818,000 |
| Merchants and Farmers Bank 134 WEST WASHINGTON ST KOSCIUSKO, MS 39090 |
* | $ 1,661,125,000 | 6 | $ 226,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 5 | $ 433,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 412,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 4 | $ 308,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 4 | $ 433,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,421,986,000 | 3 | $ 125,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 349,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 234,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 276,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 96,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 269,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 148,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 3,634,677,000 | 2 | $ 280,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 144,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 205,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 476,665,000 | 1 | $ 59,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 60,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 10,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 50,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 906,535,000 | 1 | $ 34,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 240,050,000 | 1 | $ 53,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 1 | $ 62,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 99,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,396,294,000 | 1 | $ 55,000 |
| Worthington Federal Bank 3301 MEMORIAL PARKWAY SW HUNTSVILLE, AL 35801 |
* | $ 173,403,000 | 1 | $ 30,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 155,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 48,000 |
| Graystone Tower Bank 1826 GOOD HOPE ROAD ENOLA, PA 17025 |
* | $ 1,375,160,000 | 1 | $ 136,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 85,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 22,000 |
| Bankers Mortgage Center, Inc. 909 NORTH 18TH STREET STE 110 MONROE, LA 71201 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 100,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 66,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 75,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 157,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 1 | $ 111,000 |
The tables below break down 2010 mortgage applications in Webster 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 Webster 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 | 193 | $17,177,000 | $89,000 | $264,000 | $53,000 | $250,000 |
| Home Purchase | 106 | $7,034,000 | $66,000 | $212,000 | $50,000 | $384,000 |
| Home Improvement | 31 | $680,000 | $21,000 | $104,000 | $59,000 | $425,000 |
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 | 260 | $19,765,000 | $76,000 | $264,000 | $58,000 | $425,000 |
| Black or African American | 33 | $2,008,000 | $60,000 | $227,000 | $33,000 | $97,000 |
| Not Provided | 24 | $2,123,000 | $88,000 | $196,000 | $37,000 | $86,000 |
| Not applicable | 8 | $626,000 | $78,000 | $160,000 | $12,000 | $60,000 |
| Hispanic | 4 | $300,000 | $75,000 | $115,000 | $37,000 | $43,000 |
| American Indian or Alaskan Native | 1 | $69,000 | $69,000 | $69,000 | $34,000 | $34,000 |
| Asian | 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) | 226 | $15,209,000 | $67,000 | $264,000 | $57,000 | $425,000 |
| FHA-insured (Federal Housing Administration) | 80 | $7,511,000 | $93,000 | $241,000 | $46,000 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,403,000 | $77,000 | $153,000 | $36,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 6 | $768,000 | $128,000 | $180,000 | $30,000 | $67,000 |
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 | 143 | $11,238,000 | $78,000 | $264,000 | $58,000 | $384,000 |
| Application Denied By Financial Institution | 84 | $5,125,000 | $61,000 | $227,000 | $45,000 | $425,000 |
| Application Withdrawn By Applicant | 43 | $3,513,000 | $81,000 | $241,000 | $50,000 | $146,000 |
| Loan Purchased By The Institution | 31 | $2,929,000 | $94,000 | $178,000 | $44,000 | $112,000 |
| Application Approved But Not Accepted | 19 | $1,114,000 | $58,000 | $144,000 | $46,000 | $92,000 |
| File Closed For Incompleteness | 10 | $972,000 | $97,000 | $213,000 | $83,000 | $250,000 |
| 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 | 22 | $955,000 | $43,000 | $139,000 | $47,000 | $180,000 |
| Debt-To-Income Ratio | 7 | $696,000 | $99,000 | $227,000 | $41,000 | $97,000 |
| Collateral | 3 | $330,000 | $110,000 | $196,000 | $43,000 | $52,000 |
| Credit Application Incomplete | 2 | $177,000 | $88,000 | $136,000 | $32,000 | $34,000 |
| Other | 2 | $67,000 | $33,000 | $57,000 | $40,000 | $68,000 |
| Employment History | 2 | $104,000 | $52,000 | $81,000 | $230,000 | $425,000 |
| Unverifiable Information | 1 | $109,000 | $109,000 | $109,000 | $22,000 | $22,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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