Wilkinson County, MS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 207 mortgage applications in Wilkinson County, MS totaling $16.7 million, down 8% from 2011. The average application was for $80,000, and applicants reported an average income of $49,000. 29% of applications resulted in an originated loan and 42% were denied. The most active lender was 21st Mortgage, with 53 applications, followed by Vanderbilt Mortgage and Finance, Inc and Regions 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 | 207 |
| Total Mortgage Loan Application Amount | $16,657,000 |
| Average Mortgage Loan Application Amount | $80,000 |
| Highest Mortgage Loan Application Amount | $536,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $300,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 53 | $ 2,598,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 32 | $ 1,376,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 12 | $ 537,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 10 | $ 1,193,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 1,041,000 |
| Dept of Corrections Credit Uni PO BOX 4789 BATON ROUGE, LA 70821 |
* | $ 68,222,000 | 7 | $ 850,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 7 | $ 975,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 7 | $ 940,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 628,766,000 | 5 | $ 158,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 4 | $ 48,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 4 | $ 303,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ 126,196,000 | 3 | $ 350,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,612,081,000 | 3 | $ 575,000 |
| Britton & Koontz Bank, N.A. 500 MAIN STREET NATCHEZ, MS 39120 |
* | $ 365,845,000 | 3 | $ 228,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 415,000 |
| Pelican State Credit Union P.O. BOX 40088 BATON ROUGE, LA 70835 |
* | $ 191,733,000 | 3 | $ 44,000 |
| Feliciana Bank & Trust Company 10926 HIGHWAY 67 P. O. BOX 247 CLINTON, LA 70722 |
* | $ 113,045,000 | 3 | $ 147,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 2 | $ 90,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 112,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 152,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 2 | $ 272,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 2 | $ 272,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,788,680,000 | 2 | $ 105,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 2 | $ 267,000 |
| Whitney Bank 228 ST CHARLES AVE, SUITE 537 NEW ORLEANS, LA 70130 |
* | $ 14,882,261,000 | 2 | $ 156,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 386,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 384,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 11,676,671,000 | 1 | $ 216,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 1 | $ 63,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 1 | $ 131,000 |
| Bank of Zachary PO BOX 497 ZACHARY, LA 70791 |
* | $ 182,698,000 | 1 | $ 421,000 |
| Highlands Bank, the PO BOX 248 JACKSON, LA 70748 |
* | $ 144,046,000 | 1 | $ 63,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 357,201,000 | 1 | $ 21,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 140,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 140,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 12,990,345,000 | 1 | $ 232,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 127,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 24,563,405,000 | 1 | $ 65,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 146,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 105,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 630,628,000 | 1 | $ 91,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 67,000 |
The tables below break down 2012 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 2012
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 | 142 | $8,959,000 | $63,000 | $536,000 | $46,000 | $259,000 |
| Refinancing | 50 | $7,361,000 | $147,000 | $527,000 | $64,000 | $300,000 |
| Home Improvement | 15 | $337,000 | $22,000 | $173,000 | $24,000 | $62,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 103 | $5,363,000 | $52,000 | $173,000 | $43,000 | $259,000 |
| White | 72 | $7,534,000 | $104,000 | $421,000 | $66,000 | $300,000 |
| Not Provided | 16 | $1,250,000 | $78,000 | $300,000 | $33,000 | $96,000 |
| Not applicable | 12 | $1,858,000 | $154,000 | $527,000 | $8,000 | $57,000 |
| Hispanic | 4 | $652,000 | $163,000 | $536,000 | $49,000 | $58,000 |
| 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) | 167 | $12,378,000 | $74,000 | $536,000 | $49,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 35 | $3,686,000 | $105,000 | $254,000 | $43,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $593,000 | $118,000 | $155,000 | $57,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 86 | $4,984,000 | $57,000 | $417,000 | $43,000 | $259,000 |
| Loan Originated | 60 | $5,807,000 | $96,000 | $536,000 | $57,000 | $300,000 |
| Application Approved But Not Accepted | 27 | $1,351,000 | $50,000 | $128,000 | $43,000 | $96,000 |
| Loan Purchased By The Institution | 16 | $2,471,000 | $154,000 | $527,000 | $31,000 | $144,000 |
| Application Withdrawn By Applicant | 15 | $1,846,000 | $123,000 | $300,000 | $75,000 | $225,000 |
| File Closed For Incompleteness | 3 | $198,000 | $66,000 | $85,000 | $60,000 | $78,000 |
| 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 | 31 | $1,993,000 | $64,000 | $207,000 | $49,000 | $176,000 |
| Debt-To-Income Ratio | 8 | $310,000 | $38,000 | $93,000 | $30,000 | $69,000 |
| Collateral | 2 | $633,000 | $316,000 | $417,000 | $138,000 | $168,000 |
| Credit Application Incomplete | 2 | $141,000 | $70,000 | $119,000 | $63,000 | $66,000 |
| Other | 2 | $62,000 | $31,000 | $36,000 | $41,000 | $58,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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