Carroll County, MS Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 199 mortgage applications in Carroll County, MS totaling $19.2 million, up 46% from 2014. The average application was for $96,000, and applicants reported an average income of $56,000. 47% of applications resulted in an originated loan and 34% were denied. The most active lender was Regions Bank, with 40 applications, followed by Renasant Bank 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 | 199 |
| Total Mortgage Loan Application Amount | $19,213,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $527,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $380,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 40 | $ 2,108,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,785,742,000 | 22 | $ 1,380,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 19 | $ 1,536,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,248,532,000 | 17 | $ 2,512,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 12 | $ 720,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 970,659,000 | 10 | $ 489,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 5 | $ 871,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 1,048,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,314,758,000 | 5 | $ 713,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 5 | $ 525,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 4 | $ 601,000 |
| Fbt Mortgage, L.L.C. 6911 WASHINGTON AVE SUITE B OCEAN SPRINGS, MS 39564 |
* | $ 678,000,000 | 3 | $ 551,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 634,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 295,168,000 | 2 | $ 317,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 300,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 560,787,000 | 2 | $ 443,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 251,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,476,204,000 | 1 | $ 20,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 8,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,112,889,000 | 1 | $ 50,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 24,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 125,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 665,271,000 | 1 | $ 17,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 257,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 2,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 56,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 266,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 12,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ 836,647,000 | 1 | $ 125,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 96,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 154,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 1 | $ 110,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 133,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 46,000 |
| Southern Security Federal Credit Union 765 W POPLAR AVE COLLIERVILLE, TN 38017 |
* | $ 134,196,000 | 1 | $ 40,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 251,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,406,489,000 | 1 | $ 3,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 260,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 1 | $ 245,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 121,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 91,000 |
The tables below break down 2015 mortgage applications in Carroll 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 Carroll County, MS in 2015
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 | 79 | $8,906,000 | $112,000 | $370,000 | $50,000 | $216,000 |
| Refinancing | 77 | $9,534,000 | $123,000 | $527,000 | $69,000 | $380,000 |
| Home Improvement | 43 | $773,000 | $17,000 | $161,000 | $45,000 | $150,000 |
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 | 123 | $13,242,000 | $107,000 | $370,000 | $71,000 | $380,000 |
| Black or African American | 50 | $2,258,000 | $45,000 | $251,000 | $39,000 | $106,000 |
| Not applicable | 17 | $3,075,000 | $180,000 | $527,000 | $0 | $0 |
| Not Provided | 8 | $548,000 | $68,000 | $136,000 | $58,000 | $115,000 |
| Hispanic | 1 | $90,000 | $90,000 | $90,000 | $33,000 | $33,000 |
| 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) | 160 | $13,740,000 | $85,000 | $527,000 | $59,000 | $380,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,782,000 | $132,000 | $276,000 | $37,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,556,000 | $141,000 | $266,000 | $65,000 | $124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,135,000 | $162,000 | $245,000 | $30,000 | $90,000 |
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 | $9,712,000 | $103,000 | $527,000 | $72,000 | $329,000 |
| Application Denied By Financial Institution | 68 | $4,392,000 | $64,000 | $292,000 | $45,000 | $380,000 |
| Loan Purchased By The Institution | 17 | $2,702,000 | $158,000 | $257,000 | $2,000 | $37,000 |
| File Closed For Incompleteness | 10 | $985,000 | $98,000 | $324,000 | $76,000 | $288,000 |
| Application Withdrawn By Applicant | 7 | $1,164,000 | $166,000 | $251,000 | $60,000 | $125,000 |
| Application Approved But Not Accepted | 3 | $258,000 | $86,000 | $162,000 | $72,000 | $87,000 |
| 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 | 6 | $409,000 | $68,000 | $260,000 | $94,000 | $380,000 |
| Credit Application Incomplete | 4 | $315,000 | $78,000 | $120,000 | $50,000 | $93,000 |
| Debt-To-Income Ratio | 3 | $283,000 | $94,000 | $210,000 | $44,000 | $55,000 |
| Collateral | 2 | $146,000 | $73,000 | $96,000 | $39,000 | $46,000 |
| Employment History | 1 | $102,000 | $102,000 | $102,000 | $62,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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