Benton County, MS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 226 mortgage applications in Benton County, MS totaling $28.5 million, down 26% from 2022. The average application was for $126,000, and applicants reported an average income of $99,000. 45% of applications resulted in an originated loan and 31% were denied. The most active lender was 21st Mortgage, with 27 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 | 226 |
| Total Mortgage Loan Application Amount | $28,510,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $735,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $5,517,000 |
* 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 |
* | $ -1,000 | 27 | $ 3,235,000 |
| Bank of Holly Springs 970 HIGHWAY 7 SOUTH HOLLY SPRINGS, MS 38635 |
* | $ 474,842,000 | 27 | $ 2,615,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 20 | $ 2,280,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 11 | $ 825,000 |
| Unity Bank of Mississippi 650 HWY 7 SOUTH HOLLY SPRINGS, MS 38635 |
* | $ 286,316,000 | 11 | $ 835,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 10 | $ 1,390,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 7 | $ 915,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 6 | $ 810,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 605,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 535,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 4 | $ 330,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 4,608,467,000 | 4 | $ 260,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ -1,000 | 3 | $ 355,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 985,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 2,442,888,000 | 3 | $ 165,000 |
| The Bank of Fayette County 1265 HWY 57 EAST COLLIERVILLE, TN 38017 |
* | $ 847,944,000 | 3 | $ 695,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 3 | $ 415,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 545,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 3 | $ 235,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ 473,884,000 | 3 | $ 305,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 925,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 865,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 41,842,515,000 | 3 | $ 425,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 280,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 18,013,146,000 | 2 | $ 510,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 160,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 7,028,113,000 | 2 | $ 260,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 210,000 |
| Community Mortgage Corporation 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ -1,000 | 2 | $ 320,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 78,672,073,000 | 1 | $ 405,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 175,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 185,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 265,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 125,000 |
| Abnb Federal Credit Union 830 GREENBRIER CIRCLE CHESAPEAKE, VA 23320 |
* | $ 883,875,000 | 1 | $ 105,000 |
| First Security Bank P.O. BOX 690 BATESVILLE, MS 38606 |
* | $ 852,086,000 | 1 | $ 45,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 75,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 235,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 35,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 43,900,126,000 | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 75,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 708,340,000 | 1 | $ 75,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 75,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 55,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 450,910,000 | 1 | $ 145,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 1 | $ 75,000 |
| Leaders Credit Union 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 872,464,000 | 1 | $ 55,000 |
| Banktennessee 1125 WEST POPLAR AVENUE COLLIERVILLE, TN 38017 |
* | $ 545,520,000 | 1 | $ 325,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 265,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 45,000 |
| Fed Ex Employees Credit Association 2731 NONCONNAH BLVD MEMPHIS, TN 38132 |
* | $ 684,833,000 | 1 | $ 125,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 105,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 255,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 265,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 185,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 205,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 85,000 |
| First National Bank of Eastern Arkansas 101 N WASHINGTON STREET FORREST CITY, AR 72335 |
* | $ 559,838,000 | 1 | $ 35,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 145,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 165,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 355,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 1 | $ 125,000 |
| Insouth Bank 111 SOUTH WASHINGTON AVE BROWNSVILLE, TN 38012 |
* | $ 472,434,000 | 1 | $ 95,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 105,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 45,000 |
| McKenzie Banking Company 676 N MAIN ST MCKENZIE, TN 38201 |
* | $ 187,721,000 | 1 | $ 65,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2023 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 2023
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 | 146 | $19,260,000 | $131,000 | $475,000 | $72,000 | $389,000 |
| Cash-out Refinancing | 33 | $4,585,000 | $138,000 | $735,000 | $77,000 | $350,000 |
| Other Purpose | 22 | $1,690,000 | $76,000 | $175,000 | $81,000 | $257,000 |
| Refinancing | 14 | $2,360,000 | $168,000 | $685,000 | $54,000 | $121,000 |
| Home Improvement | 10 | $580,000 | $58,000 | $105,000 | $622,000 | $5,517,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $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 | 127 | $16,005,000 | $126,000 | $655,000 | $121,000 | $5,517,000 |
| Black or African American | 56 | $5,550,000 | $99,000 | $305,000 | $64,000 | $353,000 |
| Not applicable | 19 | $3,615,000 | $190,000 | $685,000 | $0 | $0 |
| Not Provided | 16 | $1,930,000 | $120,000 | $255,000 | $67,000 | $172,000 |
| Hispanic | 5 | $1,145,000 | $229,000 | $735,000 | $79,000 | $180,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $46,000 | $46,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $70,000 | $70,000 |
| 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) | 173 | $19,095,000 | $110,000 | $685,000 | $108,000 | $5,517,000 |
| FHA-insured (Federal Housing Administration) | 39 | $5,905,000 | $151,000 | $345,000 | $60,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,670,000 | $333,000 | $735,000 | $100,000 | $204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $840,000 | $140,000 | $205,000 | $49,000 | $63,000 |
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 | 101 | $12,815,000 | $126,000 | $655,000 | $83,000 | $389,000 |
| Application Denied By Financial Institution | 69 | $7,745,000 | $112,000 | $475,000 | $138,000 | $5,517,000 |
| Application Withdrawn By Applicant | 21 | $2,775,000 | $132,000 | $735,000 | $81,000 | $180,000 |
| File Closed For Incompleteness | 17 | $1,795,000 | $105,000 | $205,000 | $77,000 | $353,000 |
| Loan Purchased By The Institution | 13 | $2,775,000 | $213,000 | $685,000 | $57,000 | $57,000 |
| Application Approved But Not Accepted | 5 | $605,000 | $121,000 | $175,000 | $55,000 | $84,000 |
| 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 | 125 | $17,585,000 | $140,000 | $735,000 | $78,000 | $389,000 |
| Debt-To-Income Ratio | 48 | $4,940,000 | $102,000 | $415,000 | $71,000 | $350,000 |
| Credit History | 35 | $3,615,000 | $103,000 | $355,000 | $57,000 | $257,000 |
| Unverifiable Information | 6 | $760,000 | $126,000 | $325,000 | $58,000 | $93,000 |
| Collateral | 6 | $1,100,000 | $183,000 | $475,000 | $101,000 | $170,000 |
| Other | 3 | $235,000 | $78,000 | $105,000 | $2,766,000 | $5,517,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $170,000 | $85,000 | $135,000 | $61,000 | $86,000 |
| Credit Application Incomplete | 1 | $105,000 | $105,000 | $105,000 | $27,000 | $27,000 |
| Employment History | 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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