Benton County, MS Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 236 mortgage applications in Benton County, MS totaling $17.9 million, up 2% from 2010. The average application was for $75,000, and applicants reported an average income of $58,000. 40% of applications resulted in an originated loan and 35% were denied. The most active lender was Bank of Holly Springs, with 37 applications, followed by Vanderbilt Mortgage and Finance, Inc and Embrace Home Loans, 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 | 236 |
| Total Mortgage Loan Application Amount | $17,895,000 |
| Average Mortgage Loan Application Amount | $75,000 |
| Highest Mortgage Loan Application Amount | $577,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $1,822,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of Holly Springs 970 HIGHWAY 7 SOUTH HOLLY SPRINGS, MS 38635 |
* | $ 181,580,000 | 37 | $ 1,716,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 32 | $ 1,786,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 21 | $ 1,386,000 |
| Merchants & Farmers Bank 650 HWY 7 SOUTH HOLLY SPRINGS, MS 38635 |
* | $ 82,803,000 | 17 | $ 757,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 15 | $ 1,978,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 13 | $ 815,000 |
| First State Bank P O BOX 580 HOLLY SPRINGS, MS 38635 |
* | $ 100,525,000 | 8 | $ 441,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 8 | $ 700,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 8 | $ 329,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 7 | $ 695,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 4 | $ 576,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,362,287,000 | 4 | $ 549,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 4 | $ 578,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,291,724,000 | 4 | $ 233,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,425,755,000 | 3 | $ 278,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 24,832,312,000 | 3 | $ 244,000 |
| Magna Bank 6525 QUAIL HOLLOW RD STE 513 MEMPHIS, TN 38120 |
* | $ 426,512,000 | 3 | $ 778,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 159,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 294,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 277,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 189,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 139,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 177,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 127,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 83,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 627,881,000 | 2 | $ 366,000 |
| Renasant Bk 201 SOUTH JACKSON ST CRYSTAL SPRINGS, MS 39059 |
* | $ 506,584,000 | 2 | $ 240,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 147,635,000 | 1 | $ 150,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 64,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 36,000 |
| Merchants and Farmers Bank 134 WEST WASHINGTON ST KOSCIUSKO, MS 39090 |
* | $ 1,599,283,000 | 1 | $ 112,000 |
| First Security Bank P.O. BOX 690 BATESVILLE, MS 38606 |
* | $ 499,114,000 | 1 | $ 139,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ 40,000,000 | 1 | $ 64,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 79,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 34,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 1 | $ 71,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 21,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 40,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 665,875,000 | 1 | $ 30,000 |
| Paragon National Bank 5400 POPLAR AVE STE 220 MEMPHIS, TN 38119 |
* | $ 246,914,000 | 1 | $ 105,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 1 | $ 28,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 113,000 |
| The Bank of Fayette County 1265 HWY 57 EAST COLLIERVILLE, TN 38017 |
* | $ 295,562,000 | 1 | $ 7,000 |
| Bartlett Mortgage Inc. 2860 STAGE VILLAGE COVE BARTLETT, TN 38133 |
* | $ 389,474,000 | 1 | $ 99,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 193,110,000 | 1 | $ 64,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 650,594,000 | 1 | $ 45,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 61,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 165,800,581,000 | 1 | $ 3,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 916,922,000 | 1 | $ 247,000 |
The tables below break down 2011 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 2011
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 | 109 | $7,599,000 | $69,000 | $304,000 | $53,000 | $203,000 |
| Refinancing | 105 | $9,644,000 | $91,000 | $577,000 | $67,000 | $1,822,000 |
| Home Improvement | 22 | $652,000 | $29,000 | $139,000 | $39,000 | $122,000 |
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 | 142 | $11,896,000 | $83,000 | $577,000 | $73,000 | $1,822,000 |
| Black or African American | 56 | $3,115,000 | $55,000 | $245,000 | $36,000 | $86,000 |
| Not Provided | 21 | $1,310,000 | $62,000 | $126,000 | $45,000 | $155,000 |
| Not applicable | 10 | $933,000 | $93,000 | $145,000 | $8,000 | $83,000 |
| Asian | 4 | $515,000 | $128,000 | $152,000 | $40,000 | $57,000 |
| Hispanic | 3 | $126,000 | $42,000 | $48,000 | $35,000 | $41,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 178 | $13,237,000 | $74,000 | $577,000 | $65,000 | $1,822,000 |
| FHA-insured (Federal Housing Administration) | 48 | $3,878,000 | $80,000 | $274,000 | $33,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $592,000 | $84,000 | $104,000 | $41,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 3 | $188,000 | $62,000 | $72,000 | $41,000 | $51,000 |
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 | 94 | $7,370,000 | $78,000 | $577,000 | $82,000 | $1,822,000 |
| Application Denied By Financial Institution | 83 | $5,978,000 | $72,000 | $304,000 | $40,000 | $190,000 |
| Loan Purchased By The Institution | 25 | $2,292,000 | $91,000 | $180,000 | $43,000 | $203,000 |
| Application Approved But Not Accepted | 19 | $942,000 | $49,000 | $71,000 | $40,000 | $177,000 |
| Application Withdrawn By Applicant | 13 | $1,162,000 | $89,000 | $274,000 | $52,000 | $115,000 |
| File Closed For Incompleteness | 2 | $151,000 | $75,000 | $80,000 | $56,000 | $85,000 |
| 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 | 10 | $987,000 | $98,000 | $200,000 | $42,000 | $126,000 |
| Credit History | 7 | $377,000 | $53,000 | $160,000 | $26,000 | $60,000 |
| Collateral | 6 | $757,000 | $126,000 | $167,000 | $81,000 | $120,000 |
| Credit Application Incomplete | 2 | $108,000 | $54,000 | $75,000 | $16,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $204,000 | $204,000 | $204,000 | $45,000 | $45,000 |
| Other | 1 | $167,000 | $167,000 | $167,000 | $190,000 | $190,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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