Calhoun County, MS Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 322 mortgage applications in Calhoun County, MS totaling $21.3 million, down 4% from 2012. The average application was for $66,000, and applicants reported an average income of $60,000. 58% of applications resulted in an originated loan and 22% were denied. The most active lender was Cadence Bank, with 97 applications, followed by Regions Bank and Renasant 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 | 322 |
| Total Mortgage Loan Application Amount | $21,307,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $372,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $1,568,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,390,496,000 | 97 | $ 3,649,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 84 | $ 6,290,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,169,063,000 | 43 | $ 2,863,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 22 | $ 1,183,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 8 | $ 660,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 7 | $ 668,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 909,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 252,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 718,364,000 | 4 | $ 172,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 9,716,802,000 | 4 | $ 350,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 4 | $ 255,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 3 | $ 247,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 2 | $ 181,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 2 | $ 148,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,209,458,000 | 2 | $ 79,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 469,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 208,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 1 | $ 115,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 121,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Community Bank, North Mississippi P. O. BOX 270 AMORY, MS 38821 |
* | $ 481,684,000 | 1 | $ 52,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 5,130,184,000 | 1 | $ 50,000 |
| Nola Lending Group, LLC 830 W CAUSEWAY BLVD MANDEVILLE, LA 70471 |
* | $ 28,686,000 | 1 | $ 112,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,076,739,000 | 1 | $ 155,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ 10,000,000 | 1 | $ 218,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 1 | $ 257,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 1 | $ 45,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 52,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD ROAD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 170,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 25,893,829,000 | 1 | $ 69,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 5,707,401,000 | 1 | $ 170,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 268,686,000 | 1 | $ 124,000 |
The tables below break down 2013 mortgage applications in Calhoun 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 Calhoun County, MS in 2013
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 |
|---|---|---|---|---|---|---|
| Refinancing | 164 | $11,757,000 | $71,000 | $372,000 | $71,000 | $1,568,000 |
| Home Purchase | 127 | $8,955,000 | $70,000 | $261,000 | $47,000 | $341,000 |
| Home Improvement | 31 | $595,000 | $19,000 | $52,000 | $51,000 | $320,000 |
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 | 238 | $16,320,000 | $68,000 | $372,000 | $66,000 | $1,568,000 |
| Black or African American | 55 | $3,059,000 | $55,000 | $175,000 | $37,000 | $118,000 |
| Not applicable | 10 | $771,000 | $77,000 | $136,000 | $6,000 | $63,000 |
| Not Provided | 10 | $693,000 | $69,000 | $170,000 | $36,000 | $94,000 |
| Hispanic | 9 | $464,000 | $51,000 | $95,000 | $117,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 247 | $13,685,000 | $55,000 | $372,000 | $67,000 | $1,568,000 |
| FHA-insured (Federal Housing Administration) | 35 | $3,532,000 | $100,000 | $227,000 | $36,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $2,227,000 | $79,000 | $166,000 | $32,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,863,000 | $155,000 | $257,000 | $57,000 | $138,000 |
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 | 188 | $11,112,000 | $59,000 | $372,000 | $74,000 | $1,568,000 |
| Application Denied By Financial Institution | 71 | $4,677,000 | $65,000 | $227,000 | $36,000 | $118,000 |
| Application Withdrawn By Applicant | 19 | $2,003,000 | $105,000 | $257,000 | $56,000 | $177,000 |
| Loan Purchased By The Institution | 19 | $1,726,000 | $90,000 | $205,000 | $28,000 | $76,000 |
| Application Approved But Not Accepted | 15 | $897,000 | $59,000 | $175,000 | $51,000 | $119,000 |
| File Closed For Incompleteness | 10 | $892,000 | $89,000 | $170,000 | $40,000 | $94,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $651,000 | $38,000 | $124,000 | $33,000 | $80,000 |
| Debt-To-Income Ratio | 6 | $612,000 | $102,000 | $225,000 | $38,000 | $89,000 |
| Other | 2 | $228,000 | $114,000 | $134,000 | $59,000 | $80,000 |
| Unverifiable Information | 1 | $42,000 | $42,000 | $42,000 | $12,000 | $12,000 |
| Credit Application Incomplete | 1 | $166,000 | $166,000 | $166,000 | $46,000 | $46,000 |
| Collateral | 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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