Benton County, MS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 355 mortgage applications in Benton County, MS totaling $55.5 million, up 49% from 2024. The average application was for $156,000, and applicants reported an average income of $83,000. 41% of applications resulted in an originated loan and 22% were denied. The most active lender was 21st Mortgage, with 60 applications, followed by Bank of Holly Springs and Vanderbilt Mortgage and Finance, 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 | 355 |
| Total Mortgage Loan Application Amount | $55,525,000 |
| Average Mortgage Loan Application Amount | $156,000 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $632,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 60 | $ 6,970,000 |
| Bank of Holly Springs 970 HIGHWAY 7 SOUTH HOLLY SPRINGS, MS 38635 |
* | $ n/a | 38 | $ 3,930,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 23 | $ 1,985,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 15 | $ 3,475,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 14 | $ 1,470,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 13 | $ 1,535,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 12 | $ 2,430,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 9 | $ 1,575,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 9 | $ 805,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 9 | $ 2,525,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 8 | $ 1,720,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 7 | $ 1,485,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 6 | $ 740,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 6 | $ 500,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 5 | $ 155,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 5 | $ 1,275,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 5 | $ 555,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 4 | $ 450,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 500,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 4 | $ 1,090,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 4 | $ 540,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 295,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 3 | $ 755,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ n/a | 3 | $ 115,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 3 | $ 705,000 |
| Community Mortgage Corporation 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ n/a | 3 | $ 625,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 685,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 585,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ n/a | 2 | $ 270,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 2 | $ 430,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ n/a | 2 | $ 540,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 810,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 2 | $ 460,000 |
| First Security Bank P.O. BOX 690 BATESVILLE, MS 38606 |
* | $ n/a | 2 | $ 1,090,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 450,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ n/a | 2 | $ 130,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 270,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 140,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 2 | $ 460,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 2 | $ 330,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 1,040,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 350,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 560,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ n/a | 2 | $ 360,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 450,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ n/a | 1 | $ 545,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 155,000 |
| Fed Ex Employees Credit Association 2731 NONCONNAH BLVD MEMPHIS, TN 38132 |
* | $ n/a | 1 | $ 195,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 1 | $ 95,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 25,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 305,000 |
| Bank of Bartlett 6281 STAGE RD BARTLETT, TN 38133 |
* | $ n/a | 1 | $ 445,000 |
| First South Financial Federal Credit Union 6471 STAGE RD, STE 101 BARTLETT, TN 38134 |
* | $ n/a | 1 | $ 455,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 165,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 125,000 |
| Planters Bank and Trust Company P. O. BOX 31 INDIANOLA, MS 38751 |
* | $ n/a | 1 | $ 225,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 175,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 165,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 85,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 45,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 155,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 205,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 1 | $ 35,000 |
| Independent Bank 5050 POPLAR AVENUE STE 2100 MEMPHIS, TN 38157 |
* | $ n/a | 1 | $ 265,000 |
| Bank3 766 S WHITE STATION RD STE 5 MEMPHIS, TN 38119 |
* | $ n/a | 1 | $ 205,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 215,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ n/a | 1 | $ 85,000 |
| The Bank of Fayette County 1265 HWY 57 EAST COLLIERVILLE, TN 38017 |
* | $ n/a | 1 | $ 65,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 225,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 165,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 105,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 245,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 1 | $ 95,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 205,000 |
The tables below break down 2025 mortgage applications in Benton 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 Benton County, MS in 2025
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 | 226 | $33,040,000 | $146,000 | $805,000 | $82,000 | $610,000 |
| Refinancing | 49 | $11,275,000 | $230,000 | $1,005,000 | $98,000 | $632,000 |
| Cash-out Refinancing | 44 | $8,440,000 | $191,000 | $585,000 | $76,000 | $193,000 |
| Home Improvement | 22 | $1,420,000 | $64,000 | $205,000 | $80,000 | $442,000 |
| Other Purpose | 13 | $1,285,000 | $98,000 | $255,000 | $80,000 | $184,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
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 | 186 | $30,250,000 | $162,000 | $805,000 | $90,000 | $632,000 |
| Black or African American | 88 | $11,290,000 | $128,000 | $485,000 | $67,000 | $247,000 |
| Not applicable | 38 | $9,000,000 | $236,000 | $1,005,000 | $62,000 | $62,000 |
| Not Provided | 21 | $2,795,000 | $133,000 | $445,000 | $79,000 | $462,000 |
| Hispanic | 19 | $2,015,000 | $106,000 | $295,000 | $100,000 | $442,000 |
| American Indian or Alaskan Native | 3 | $175,000 | $58,000 | $125,000 | $42,000 | $80,000 |
| 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) | 242 | $32,200,000 | $133,000 | $1,005,000 | $87,000 | $632,000 |
| FHA-insured (Federal Housing Administration) | 68 | $12,240,000 | $180,000 | $375,000 | $61,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 36 | $9,830,000 | $273,000 | $805,000 | $88,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,255,000 | $139,000 | $165,000 | $62,000 | $101,000 |
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 | 144 | $23,910,000 | $166,000 | $1,005,000 | $94,000 | $610,000 |
| Application Denied By Financial Institution | 78 | $11,150,000 | $142,000 | $585,000 | $61,000 | $241,000 |
| File Closed For Incompleteness | 39 | $4,575,000 | $117,000 | $325,000 | $76,000 | $325,000 |
| Application Withdrawn By Applicant | 36 | $6,100,000 | $169,000 | $545,000 | $95,000 | $632,000 |
| Loan Purchased By The Institution | 34 | $7,620,000 | $224,000 | $505,000 | $62,000 | $62,000 |
| Application Approved But Not Accepted | 24 | $2,170,000 | $90,000 | $405,000 | $78,000 | $238,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 235 | $38,965,000 | $165,000 | $805,000 | $90,000 | $632,000 |
| Debt-To-Income Ratio | 62 | $8,240,000 | $132,000 | $1,005,000 | $75,000 | $241,000 |
| Credit History | 38 | $5,320,000 | $140,000 | $585,000 | $69,000 | $151,000 |
| Credit Application Incomplete | 7 | $975,000 | $139,000 | $215,000 | $45,000 | $62,000 |
| Unverifiable Information | 4 | $240,000 | $60,000 | $145,000 | $26,000 | $41,000 |
| Collateral | 3 | $495,000 | $165,000 | $355,000 | $55,000 | $81,000 |
| Other | 3 | $575,000 | $191,000 | $225,000 | $108,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $715,000 | $238,000 | $325,000 | $76,000 | $118,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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