Choctaw County, MS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 203 mortgage applications in Choctaw County, MS totaling $22.8 million, up 4% from 2023. The average application was for $112,000, and applicants reported an average income of $80,000. 35% of applications resulted in an originated loan and 32% were denied. The most active lender was 21st Mortgage, with 44 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 | 203 |
| Total Mortgage Loan Application Amount | $22,825,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $396,000 |
| 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 |
* | $ n/a | 44 | $ 4,820,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 26 | $ 1,520,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 23 | $ 3,515,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 13 | $ 1,395,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 9 | $ 1,175,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 9 | $ 815,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 695,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 775,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 5 | $ 395,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 5 | $ 345,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 610,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 255,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 105,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 3 | $ 455,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 150,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 310,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 100,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 410,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 205,000 |
| Holmes County Bank 316 COURT SQUARE LEXINGTON, MS 39095 |
* | $ n/a | 1 | $ 135,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 135,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ n/a | 1 | $ 15,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 205,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 195,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 105,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 175,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 75,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 35,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 5,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 175,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 185,000 |
| Colorado Federal Savings Bank 8400 E PRENTICE AVE STE 840 ENGLEWOOD, CO 80111 |
* | $ n/a | 1 | $ 125,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 105,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 75,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 105,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 225,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ n/a | 1 | $ 105,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ n/a | 1 | $ 65,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 65,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ n/a | 1 | $ 55,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ n/a | 1 | $ 135,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 125,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 225,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 235,000 |
The tables below break down 2024 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 2024
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 | 104 | $14,180,000 | $136,000 | $395,000 | $73,000 | $313,000 |
| Cash-out Refinancing | 37 | $4,525,000 | $122,000 | $335,000 | $72,000 | $311,000 |
| Refinancing | 22 | $2,270,000 | $103,000 | $225,000 | $82,000 | $396,000 |
| Other Purpose | 21 | $1,135,000 | $54,000 | $155,000 | $100,000 | $356,000 |
| Home Improvement | 19 | $715,000 | $37,000 | $75,000 | $107,000 | $211,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 121 | $13,045,000 | $107,000 | $395,000 | $85,000 | $356,000 |
| Black or African American | 44 | $5,520,000 | $125,000 | $245,000 | $65,000 | $148,000 |
| Not Provided | 21 | $2,555,000 | $121,000 | $295,000 | $83,000 | $396,000 |
| Not applicable | 14 | $1,280,000 | $91,000 | $195,000 | $0 | $0 |
| Hispanic | 3 | $425,000 | $141,000 | $205,000 | $64,000 | $112,000 |
| 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) | 146 | $14,140,000 | $96,000 | $395,000 | $85,000 | $396,000 |
| FHA-insured (Federal Housing Administration) | 33 | $5,035,000 | $152,000 | $305,000 | $62,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,510,000 | $179,000 | $335,000 | $78,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,140,000 | $114,000 | $155,000 | $57,000 | $96,000 |
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 | 72 | $9,070,000 | $125,000 | $395,000 | $92,000 | $396,000 |
| Application Denied By Financial Institution | 65 | $6,605,000 | $101,000 | $285,000 | $70,000 | $253,000 |
| Application Withdrawn By Applicant | 23 | $2,755,000 | $119,000 | $295,000 | $78,000 | $211,000 |
| File Closed For Incompleteness | 17 | $1,945,000 | $114,000 | $335,000 | $72,000 | $130,000 |
| Loan Purchased By The Institution | 13 | $1,275,000 | $98,000 | $195,000 | $0 | $0 |
| Application Approved But Not Accepted | 12 | $1,070,000 | $89,000 | $205,000 | $79,000 | $203,000 |
| Preapproval Approved but not Accepted | 1 | $105,000 | $105,000 | $105,000 | $54,000 | $54,000 |
| 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 | 136 | $16,020,000 | $117,000 | $395,000 | $83,000 | $396,000 |
| Credit History | 29 | $2,505,000 | $86,000 | $255,000 | $76,000 | $253,000 |
| Debt-To-Income Ratio | 14 | $1,700,000 | $121,000 | $205,000 | $88,000 | $313,000 |
| Credit Application Incomplete | 12 | $1,380,000 | $115,000 | $285,000 | $61,000 | $124,000 |
| Collateral | 6 | $630,000 | $105,000 | $285,000 | $82,000 | $182,000 |
| Other | 3 | $215,000 | $71,000 | $105,000 | $88,000 | $140,000 |
| Unverifiable Information | 2 | $280,000 | $140,000 | $175,000 | $57,000 | $77,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $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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