Wilkinson County, MS Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 122 mortgage applications in Wilkinson County, MS totaling $13.2 million, down 19% from 2008. The average application was for $108,000, and applicants reported an average income of $64,000. 28% of applications resulted in an originated loan and 40% were denied. The most active lender was US Bank, N.A., with 12 applications, followed by Citicorp Trust Bank, FSB and JPMorgan Chase Bank, NA.
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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 | 122 |
| Total Mortgage Loan Application Amount | $13,178,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $984,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $400,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 12 | $ 595,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 9 | $ 1,058,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 7 | $ 919,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 6 | $ 552,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 6 | $ 345,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 6 | $ 974,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,657,261,000 | 5 | $ 216,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 4 | $ 505,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 4 | $ 432,000 |
| Britton & Koontz Bank, N.A. 500 MAIN STREET NATCHEZ, MS 39120 |
* | $ 412,854,000 | 4 | $ 267,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 289,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 3 | $ 328,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 3 | $ 148,000 |
| Pelican State Credit Union P.O. BOX 40088 BATON ROUGE, LA 70835 |
* | $ 151,485,000 | 3 | $ 85,000 |
| First South Financial Federal Credit Union 6471 STAGE RD, STE 101 BARTLETT, TN 38134 |
* | $ 331,007,000 | 3 | $ 694,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 3 | $ 133,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 43,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 2 | $ 475,000 |
| Bank of St. Francisville PO BOX 818 ST FRANCISVILLE, LA 70775 |
* | $ 92,768,000 | 2 | $ 57,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 556,180,000 | 2 | $ 96,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 141,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 383,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 2 | $ 173,000 |
| American Gateway Bank 11307 COURSEY BLVD BATON ROUGE, LA 70816 |
* | $ 412,578,000 | 2 | $ 1,052,000 |
| Feliciana Bank & Trust Company 10926 HIGHWAY 67 P. O. BOX 247 CLINTON, LA 70722 |
* | $ 100,721,000 | 1 | $ 34,000 |
| Landmark Bank 12225 ST. HELENA STREET CLINTON, LA 70722 |
* | $ 82,974,000 | 1 | $ 50,000 |
| Highlands Bank, the PO BOX 248 JACKSON, LA 70748 |
* | $ 118,807,000 | 1 | $ 5,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,041,440,000 | 1 | $ 68,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 473,755,000 | 1 | $ 14,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 31,000 |
| First American Bank and Trust PO BOX 550 VACHERIE, LA 70090 |
* | $ 704,878,000 | 1 | $ 149,000 |
| Hancock Bank ONE HANCOCK PLAZA GULFPORT, MS 39501 |
* | $ 3,851,472,000 | 1 | $ 750,000 |
| Liberty Bank 6600 PLAZA DRIVE NEW ORLEANS, LA 70127 |
* | $ 374,923,000 | 1 | $ 15,000 |
| Hancock Bank of Louisiana PO BOX 591 BATON ROUGE, LA 70821 |
* | $ 3,016,818,000 | 1 | $ 56,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 1 | $ 30,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 112,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 35,000 |
| World Alliance Financial Corp. 3 HUNTINGTON QUADRANGLE SUITE 201N MELVILLE, NY 11747 |
* | $ 389,397,000 | 1 | $ 190,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 190,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 173,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 221,000 |
| Walker Jackson Mortgage Corpor 14501 GEORGE CARTER WAY CHANTILLY, VA 20151 |
* | $ 292,944,000 | 1 | $ 173,000 |
The tables below break down 2009 mortgage applications in Wilkinson 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 Wilkinson 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 58 | $4,659,000 | $80,000 | $221,000 | $57,000 | $400,000 |
| Refinancing | 53 | $7,980,000 | $150,000 | $984,000 | $71,000 | $319,000 |
| Home Improvement | 11 | $539,000 | $49,000 | $315,000 | $62,000 | $152,000 |
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 | 61 | $6,882,000 | $112,000 | $750,000 | $83,000 | $400,000 |
| Black or African American | 39 | $3,097,000 | $79,000 | $333,000 | $48,000 | $119,000 |
| Not Provided | 12 | $1,312,000 | $109,000 | $208,000 | $45,000 | $88,000 |
| Not applicable | 9 | $1,702,000 | $189,000 | $984,000 | $29,000 | $75,000 |
| Hispanic | 1 | $185,000 | $185,000 | $185,000 | $50,000 | $50,000 |
| 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) | 102 | $10,828,000 | $106,000 | $984,000 | $66,000 | $400,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,719,000 | $107,000 | $254,000 | $53,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $410,000 | $136,000 | $163,000 | $38,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 1 | $221,000 | $221,000 | $221,000 | $77,000 | $77,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 49 | $4,409,000 | $89,000 | $221,000 | $53,000 | $222,000 |
| Loan Originated | 34 | $3,815,000 | $112,000 | $984,000 | $65,000 | $167,000 |
| Loan Purchased By The Institution | 15 | $1,802,000 | $120,000 | $315,000 | $59,000 | $152,000 |
| Application Withdrawn By Applicant | 12 | $1,284,000 | $107,000 | $333,000 | $92,000 | $400,000 |
| Application Approved But Not Accepted | 9 | $1,572,000 | $174,000 | $750,000 | $100,000 | $319,000 |
| File Closed For Incompleteness | 3 | $296,000 | $98,000 | $190,000 | $32,000 | $58,000 |
| 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 | 19 | $1,236,000 | $65,000 | $185,000 | $51,000 | $222,000 |
| Collateral | 8 | $1,182,000 | $147,000 | $221,000 | $71,000 | $132,000 |
| Other | 5 | $462,000 | $92,000 | $203,000 | $71,000 | $112,000 |
| Debt-To-Income Ratio | 5 | $541,000 | $108,000 | $163,000 | $39,000 | $50,000 |
| Credit Application Incomplete | 2 | $207,000 | $103,000 | $145,000 | $82,000 | $100,000 |
| Employment History | 1 | $73,000 | $73,000 | $73,000 | $58,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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