Wilkinson County, MS Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 136 mortgage applications in Wilkinson County, MS totaling $13.1 million, down 16% from 2014. The average application was for $96,000, and applicants reported an average income of $58,000. 39% of applications resulted in an originated loan and 32% were denied. The most active lender was 21st Mortgage, with 30 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 | 136 |
| Total Mortgage Loan Application Amount | $13,137,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $2,239,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $406,000 |
| 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 | 30 | $ 1,811,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 15 | $ 743,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 12 | $ 360,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 708,292,000 | 6 | $ 424,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 5 | $ 450,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 772,000 |
| Highlands Bank, the PO BOX 248 JACKSON, LA 70748 |
* | $ 140,171,000 | 3 | $ 101,000 |
| Pelican State Credit Union P.O. BOX 40088 BATON ROUGE, LA 70835 |
* | $ 236,184,000 | 2 | $ 74,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 2 | $ 187,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,827,707,000 | 2 | $ 115,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 259,000 |
| Bank of St. Francisville PO BOX 818 ST FRANCISVILLE, LA 70775 |
* | $ 115,062,000 | 2 | $ 430,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 126,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 2 | $ 283,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 293,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,248,532,000 | 2 | $ 69,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 2 | $ 317,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 20,632,572,000 | 2 | $ 143,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 2 | $ 94,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 226,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 88,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Home Bank, NA 503 KALISTE SALOOM RD LAFAYETTE, LA 70598 |
* | $ 1,221,357,000 | 1 | $ 84,000 |
| Gulf Coast Bank and Trust 200 SAINT CHARLES AVENUE NEW ORLEANS, LA 70130 |
* | $ 1,219,842,000 | 1 | $ 196,000 |
| Midsouth Bank, National Association 102 VERSAILLES BLVD LAFAYETTE, LA 70501 |
* | $ 1,935,444,000 | 1 | $ 160,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 119,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 103,000 |
| The Old Point National Bank of Phoebus 1 W MELLEN STREET HAMPTON, VA 23669 |
* | $ 871,691,000 | 1 | $ 103,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,314,758,000 | 1 | $ 130,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 72,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 7,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 270,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,713,197,000 | 1 | $ 51,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 968,312,000 | 1 | $ 118,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 78,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 354,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 4,000 |
| Feliciana Bank & Trust Company 10926 HIGHWAY 67 P. O. BOX 247 CLINTON, LA 70722 |
* | $ 109,119,000 | 1 | $ 71,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 1 | $ 112,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ 0 | 1 | $ 38,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,622,355,000 | 1 | $ 51,000 |
| South Lafourche Bank PO BOX 489 LAROSE, LA 70373 |
* | $ 165,719,000 | 1 | $ 62,000 |
| First Nbc Bank 210 BARONE STREET NEW ORLEANS, LA 70112 |
* | $ 3,745,284,000 | 1 | $ 2,239,000 |
The tables below break down 2015 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 2015
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 | 80 | $5,877,000 | $73,000 | $200,000 | $51,000 | $196,000 |
| Refinancing | 40 | $6,798,000 | $169,000 | $2,239,000 | $76,000 | $406,000 |
| Home Improvement | 16 | $462,000 | $28,000 | $280,000 | $42,000 | $175,000 |
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 | 74 | $4,030,000 | $54,000 | $163,000 | $39,000 | $112,000 |
| White | 42 | $6,861,000 | $163,000 | $2,239,000 | $96,000 | $406,000 |
| Not applicable | 9 | $1,268,000 | $140,000 | $205,000 | $28,000 | $200,000 |
| Not Provided | 8 | $736,000 | $92,000 | $345,000 | $62,000 | $175,000 |
| Hispanic | 1 | $103,000 | $103,000 | $103,000 | $33,000 | $33,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $117,000 | $117,000 | $117,000 | $118,000 | $118,000 |
| American Indian or Alaskan Native | 1 | $22,000 | $22,000 | $22,000 | $19,000 | $19,000 |
| 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) | 110 | $10,567,000 | $96,000 | $2,239,000 | $63,000 | $406,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,594,000 | $93,000 | $205,000 | $30,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 8 | $925,000 | $115,000 | $163,000 | $44,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $51,000 | $51,000 | $51,000 | $26,000 | $26,000 |
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 | 53 | $6,495,000 | $122,000 | $2,239,000 | $67,000 | $406,000 |
| Application Denied By Financial Institution | 44 | $3,500,000 | $79,000 | $354,000 | $50,000 | $189,000 |
| File Closed For Incompleteness | 18 | $1,035,000 | $57,000 | $163,000 | $42,000 | $98,000 |
| Application Withdrawn By Applicant | 9 | $721,000 | $80,000 | $168,000 | $70,000 | $141,000 |
| Loan Purchased By The Institution | 8 | $1,191,000 | $148,000 | $205,000 | $60,000 | $200,000 |
| Application Approved But Not Accepted | 4 | $195,000 | $48,000 | $69,000 | $49,000 | $66,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5 | $443,000 | $88,000 | $272,000 | $55,000 | $97,000 |
| Collateral | 3 | $584,000 | $194,000 | $345,000 | $128,000 | $189,000 |
| Credit History | 3 | $116,000 | $38,000 | $72,000 | $48,000 | $72,000 |
| Credit Application Incomplete | 1 | $270,000 | $270,000 | $270,000 | $72,000 | $72,000 |
| Other | 1 | $4,000 | $4,000 | $4,000 | $0 | $0 |
| 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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