Choctaw County, MS Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 181 mortgage applications in Choctaw County, MS totaling $14.1 million, up 20% from 2014. The average application was for $77,000, and applicants reported an average income of $49,000. 44% of applications resulted in an originated loan and 27% were denied. The most active lender was 21st Mortgage, with 30 applications, followed by Regions Bank and Cadence 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 | 181 |
| Total Mortgage Loan Application Amount | $14,114,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $235,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $178,000 |
| 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 |
* | $ 10,000,000 | 30 | $ 1,632,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 29 | $ 1,790,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,314,758,000 | 22 | $ 1,915,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,785,742,000 | 16 | $ 1,039,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 8 | $ 498,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 406,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 743,343,000 | 5 | $ 504,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,713,197,000 | 4 | $ 343,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,476,204,000 | 4 | $ 223,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 7,925,450,000 | 4 | $ 307,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 4 | $ 385,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 3 | $ 209,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 131,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 708,292,000 | 3 | $ 119,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,248,532,000 | 2 | $ 125,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 132,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 363,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,112,889,000 | 2 | $ 241,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 2 | $ 198,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 156,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 314,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 30,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 235,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 135,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 57,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 1 | $ 131,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 330,728,000 | 1 | $ 49,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,827,707,000 | 1 | $ 111,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 87,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 1 | $ 109,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 13,563,392,000 | 1 | $ 150,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 140,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 21,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 179,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 115,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 95,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 208,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 102,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,622,355,000 | 1 | $ 79,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 207,000 |
| Eaglebank 11931 TECH RD SILVER SPRING, MD 20904 |
* | $ 5,230,016,000 | 1 | $ 109,000 |
The tables below break down 2015 mortgage applications in Choctaw 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 Choctaw 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 | 91 | $7,198,000 | $79,000 | $221,000 | $48,000 | $153,000 |
| Refinancing | 72 | $6,213,000 | $86,000 | $235,000 | $51,000 | $178,000 |
| Home Improvement | 18 | $703,000 | $39,000 | $207,000 | $50,000 | $114,000 |
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 | 124 | $10,001,000 | $80,000 | $235,000 | $58,000 | $178,000 |
| Black or African American | 38 | $2,257,000 | $59,000 | $185,000 | $37,000 | $100,000 |
| Not applicable | 11 | $1,057,000 | $96,000 | $235,000 | $0 | $0 |
| Not Provided | 8 | $799,000 | $99,000 | $190,000 | $40,000 | $96,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 131 | $9,582,000 | $73,000 | $235,000 | $52,000 | $178,000 |
| FHA-insured (Federal Housing Administration) | 31 | $2,850,000 | $91,000 | $190,000 | $46,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,038,000 | $79,000 | $163,000 | $27,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 6 | $644,000 | $107,000 | $207,000 | $54,000 | $114,000 |
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 | 80 | $6,508,000 | $81,000 | $235,000 | $57,000 | $178,000 |
| Application Denied By Financial Institution | 49 | $3,236,000 | $66,000 | $190,000 | $40,000 | $100,000 |
| File Closed For Incompleteness | 20 | $1,362,000 | $68,000 | $135,000 | $51,000 | $144,000 |
| Loan Purchased By The Institution | 15 | $1,337,000 | $89,000 | $235,000 | $20,000 | $108,000 |
| Application Withdrawn By Applicant | 14 | $1,538,000 | $109,000 | $207,000 | $68,000 | $127,000 |
| Application Approved But Not Accepted | 3 | $133,000 | $44,000 | $80,000 | $44,000 | $75,000 |
| 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 | 5 | $468,000 | $93,000 | $180,000 | $48,000 | $97,000 |
| Debt-To-Income Ratio | 3 | $290,000 | $96,000 | $190,000 | $23,000 | $40,000 |
| Collateral | 2 | $142,000 | $71,000 | $112,000 | $76,000 | $80,000 |
| Credit Application Incomplete | 2 | $224,000 | $112,000 | $157,000 | $36,000 | $37,000 |
| Other | 1 | $18,000 | $18,000 | $18,000 | $19,000 | $19,000 |
| Unverifiable Information | 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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