Claiborne County, MS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 214 mortgage applications in Claiborne County, MS totaling $24.8 million, up 2% from 2023. The average application was for $116,000, and applicants reported an average income of $83,000. 24% of applications resulted in an originated loan and 37% were denied. The most active lender was 21st Mortgage, with 88 applications, followed by Triad Financial Services, Inc. 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 | 214 |
| Total Mortgage Loan Application Amount | $24,840,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $652,000 |
| 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 | 88 | $ 8,060,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 25 | $ 2,625,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 16 | $ 1,460,000 |
| Riverhills Bank 1400 HIGHWAY 61 NORTH VICKSBURG, MS 39183 |
* | $ n/a | 14 | $ 810,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 7 | $ 415,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 5 | $ 405,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ n/a | 5 | $ 225,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 4 | $ 320,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 420,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 600,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ n/a | 3 | $ 3,045,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 3 | $ 295,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 185,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 3 | $ 455,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 100,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 70,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 2 | $ 80,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 75,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 305,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 75,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ n/a | 1 | $ 125,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 95,000 |
| Washington State Bank 103 NORTH MAIN STREET WASHINGTON, LA 70589 |
* | $ n/a | 1 | $ 355,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ n/a | 1 | $ 305,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ n/a | 1 | $ 95,000 |
| Planters Bank and Trust Company P. O. BOX 31 INDIANOLA, MS 38751 |
* | $ n/a | 1 | $ 1,445,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 315,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ n/a | 1 | $ 85,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 35,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 355,000 |
| La Capitol Federal Credit Union P.O. BOX 3398 BATON ROUGE, LA 70802 |
* | $ n/a | 1 | $ 5,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 315,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ n/a | 1 | $ 85,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 1 | $ 535,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ n/a | 1 | $ 95,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2024 mortgage applications in Claiborne 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 Claiborne 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 | 164 | $19,870,000 | $121,000 | $1,575,000 | $77,000 | $652,000 |
| Refinancing | 17 | $1,575,000 | $92,000 | $315,000 | $106,000 | $463,000 |
| Other Purpose | 16 | $1,400,000 | $87,000 | $305,000 | $76,000 | $140,000 |
| Cash-out Refinancing | 9 | $1,185,000 | $131,000 | $415,000 | $91,000 | $195,000 |
| Home Improvement | 8 | $810,000 | $101,000 | $535,000 | $148,000 | $279,000 |
| 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 |
|---|---|---|---|---|---|---|
| Black or African American | 147 | $15,095,000 | $102,000 | $535,000 | $69,000 | $279,000 |
| White | 24 | $4,790,000 | $199,000 | $1,575,000 | $161,000 | $652,000 |
| Not applicable | 23 | $3,115,000 | $135,000 | $1,445,000 | $0 | $0 |
| Not Provided | 9 | $785,000 | $87,000 | $225,000 | $105,000 | $188,000 |
| Hispanic | 8 | $820,000 | $102,000 | $185,000 | $65,000 | $96,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $61,000 | $61,000 |
| 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) | 201 | $22,245,000 | $110,000 | $1,575,000 | $84,000 | $652,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,515,000 | $168,000 | $415,000 | $58,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 3 | $985,000 | $328,000 | $355,000 | $96,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 80 | $7,580,000 | $94,000 | $415,000 | $61,000 | $199,000 |
| Loan Originated | 52 | $6,680,000 | $128,000 | $1,445,000 | $89,000 | $463,000 |
| File Closed For Incompleteness | 34 | $3,170,000 | $93,000 | $185,000 | $72,000 | $185,000 |
| Loan Purchased By The Institution | 21 | $1,615,000 | $76,000 | $305,000 | $0 | $0 |
| Application Withdrawn By Applicant | 15 | $4,605,000 | $307,000 | $1,575,000 | $183,000 | $652,000 |
| Application Approved But Not Accepted | 12 | $1,190,000 | $99,000 | $165,000 | $111,000 | $208,000 |
| 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 | 118 | $16,010,000 | $135,000 | $1,575,000 | $97,000 | $652,000 |
| Credit History | 38 | $3,320,000 | $87,000 | $225,000 | $67,000 | $199,000 |
| Debt-To-Income Ratio | 38 | $3,260,000 | $85,000 | $355,000 | $74,000 | $195,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $430,000 | $71,000 | $75,000 | $41,000 | $138,000 |
| Unverifiable Information | 5 | $535,000 | $107,000 | $135,000 | $48,000 | $90,000 |
| Credit Application Incomplete | 4 | $540,000 | $135,000 | $315,000 | $79,000 | $108,000 |
| Collateral | 3 | $565,000 | $188,000 | $415,000 | $99,000 | $137,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $60,000 | $60,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $43,000 | $43,000 |
| 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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