Wilkinson County, MS Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 195 mortgage applications in Wilkinson County, MS totaling $16.9 million, up 43% from 2015. The average application was for $86,000, and applicants reported an average income of $51,000. 30% of applications resulted in an originated loan and 44% were denied. The most active lender was 21st Mortgage, with 36 applications, followed by Vanderbilt Mortgage and Finance, Inc and Clayton Bank and Trust.
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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 | 195 |
| Total Mortgage Loan Application Amount | $16,883,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $621,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $398,000 |
| 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 | 36 | $ 1,988,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 33 | $ 1,659,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 21 | $ 1,145,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 13 | $ 419,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 9 | $ 685,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 570,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 528,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 366,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 4 | $ 742,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 432,000 |
| Feliciana Bank & Trust Company 10926 HIGHWAY 67 P. O. BOX 247 CLINTON, LA 70722 |
* | $ 111,535,000 | 3 | $ 121,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ 800,473,000 | 3 | $ 507,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 3 | $ 144,000 |
| Landmark Bank 12225 ST. HELENA STREET CLINTON, LA 70722 |
* | $ 111,302,000 | 2 | $ 141,000 |
| Bank of St. Francisville PO BOX 818 ST FRANCISVILLE, LA 70775 |
* | $ 116,402,000 | 2 | $ 656,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 190,000 |
| First Bank 100 S BROADWAY MCCOMB, MS 39648 |
* | $ 420,695,000 | 2 | $ 81,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 349,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 2 | $ 439,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 2 | $ 60,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 2 | $ 187,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 22,732,432,000 | 1 | $ 15,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 100,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,790,125,000 | 1 | $ 31,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 141,000 |
| Dept of Corrections Credit Uni PO BOX 4789 BATON ROUGE, LA 70821 |
* | $ 75,387,000 | 1 | $ 55,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 2,748,259,000 | 1 | $ 600,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,677,017,000 | 1 | $ 284,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 525,826,000 | 1 | $ 119,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 961,290,000 | 1 | $ 83,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 336,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 54,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 1 | $ 351,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 19,425,339,000 | 1 | $ 209,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 53,000 |
| Washington State Bank 103 NORTH MAIN STREET WASHINGTON, LA 70589 |
* | $ 159,309,000 | 1 | $ 4,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 1 | $ 352,000 |
| Centennial Bank P.O. BOX 308 TREZEVANT, TN 38258 |
* | $ 321,852,000 | 1 | $ 33,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 350,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 100,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 180,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 64,000 |
| Campus Federal Credit Union 6230 PERKINS ROAD BATON ROUGE, LA 70808 |
* | $ 550,165,000 | 1 | $ 12,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 102,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Highlands Bank, the PO BOX 248 JACKSON, LA 70748 |
* | $ 137,298,000 | 1 | $ 236,000 |
The tables below break down 2016 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 2016
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 | 119 | $9,205,000 | $77,000 | $621,000 | $52,000 | $398,000 |
| Refinancing | 57 | $7,058,000 | $123,000 | $600,000 | $56,000 | $247,000 |
| Home Improvement | 19 | $620,000 | $32,000 | $180,000 | $32,000 | $105,000 |
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 | 107 | $6,300,000 | $58,000 | $284,000 | $38,000 | $131,000 |
| White | 67 | $8,415,000 | $125,000 | $600,000 | $78,000 | $398,000 |
| Not Provided | 12 | $705,000 | $58,000 | $194,000 | $42,000 | $105,000 |
| Not applicable | 6 | $1,287,000 | $214,000 | $621,000 | $23,000 | $87,000 |
| American Indian or Alaskan Native | 2 | $105,000 | $52,000 | $103,000 | $37,000 | $48,000 |
| Hispanic | 1 | $71,000 | $71,000 | $71,000 | $33,000 | $33,000 |
| Native Hawaiin or Other Pacific Islander | 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) | 166 | $13,053,000 | $78,000 | $621,000 | $52,000 | $398,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,142,000 | $119,000 | $276,000 | $50,000 | $131,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,688,000 | $153,000 | $350,000 | $47,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | $5,782,000 | $67,000 | $284,000 | $44,000 | $200,000 |
| Loan Originated | 58 | $7,037,000 | $121,000 | $621,000 | $57,000 | $398,000 |
| File Closed For Incompleteness | 26 | $1,342,000 | $51,000 | $120,000 | $37,000 | $110,000 |
| Application Withdrawn By Applicant | 10 | $1,195,000 | $119,000 | $346,000 | $89,000 | $173,000 |
| Application Approved But Not Accepted | 9 | $648,000 | $72,000 | $307,000 | $79,000 | $130,000 |
| Loan Purchased By The Institution | 6 | $879,000 | $146,000 | $351,000 | $57,000 | $127,000 |
| 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 | $375,000 | $75,000 | $135,000 | $44,000 | $65,000 |
| Collateral | 3 | $194,000 | $64,000 | $83,000 | $74,000 | $164,000 |
| Credit History | 2 | $155,000 | $77,000 | $100,000 | $117,000 | $200,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $9,000 | $9,000 |
| Unverifiable Information | 1 | $276,000 | $276,000 | $276,000 | $91,000 | $91,000 |
| Credit Application Incomplete | 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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