Clarke County, MS Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 486 mortgage applications in Clarke County, MS totaling $42.9 million, down 22% from 2013. The average application was for $88,000, and applicants reported an average income of $69,000. 57% of applications resulted in an originated loan and 24% were denied. The most active lender was Bankplus, with 112 applications, followed by First State Bank and 21st Mortgage.
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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 | 486 |
| Total Mortgage Loan Application Amount | $42,925,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $1,000,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,385,232,000 | 112 | $ 5,838,000 |
| First State Bank P O BOX 506 WAYNESBORO, MS 39367 |
* | $ 517,223,000 | 78 | $ 7,611,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 61 | $ 3,354,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 661,510,000 | 20 | $ 1,221,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 15 | $ 768,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 14 | $ 1,249,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 13 | $ 2,319,000 |
| Great Southern National Bank P O BOX 1271 MERIDIAN, MS 39302 |
* | $ 265,878,000 | 12 | $ 791,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 11 | $ 1,897,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 11 | $ 1,293,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 6,615,096,000 | 10 | $ 74,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 11,681,215,000 | 9 | $ 950,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 9 | $ 806,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 7 | $ 705,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 6 | $ 373,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 6 | $ 639,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,082,473,000 | 6 | $ 455,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 732,000 |
| American Home Free Mortgage PO BOX 760 PROSPER, TX 75078 |
* | $ 11,149,000 | 4 | $ 517,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 4 | $ 411,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 4 | $ 218,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 4 | $ 222,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 3 | $ 285,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 795,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 3 | $ 377,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 344,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ 872,795,000 | 3 | $ 320,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 2 | $ 221,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 691,820,000 | 2 | $ 271,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,933,259,000 | 2 | $ 103,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 2 | $ 134,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,733,100,000 | 2 | $ 379,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 2 | $ 57,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 2 | $ 448,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 225,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 2 | $ 174,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 266,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 141,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 86,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,032,498,000 | 1 | $ 3,000,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 50,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 62,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 176,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 102,326,000 | 1 | $ 270,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 1 | $ 1,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 296,901,000 | 1 | $ 86,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 85,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 42,000 |
| Campus Federal Credit Union 6230 PERKINS ROAD BATON ROUGE, LA 70808 |
* | $ 509,915,000 | 1 | $ 3,000 |
The tables below break down 2014 mortgage applications in Clarke 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 Clarke County, MS in 2014
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 | 233 | $19,108,000 | $82,000 | $416,000 | $62,000 | $294,000 |
| Refinancing | 166 | $21,745,000 | $130,000 | $3,000,000 | $82,000 | $1,000,000 |
| Home Improvement | 87 | $2,072,000 | $23,000 | $251,000 | $60,000 | $267,000 |
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 | 332 | $31,352,000 | $94,000 | $3,000,000 | $80,000 | $1,000,000 |
| Black or African American | 106 | $5,705,000 | $53,000 | $205,000 | $48,000 | $209,000 |
| Not Provided | 21 | $2,251,000 | $107,000 | $315,000 | $54,000 | $170,000 |
| Not applicable | 19 | $3,141,000 | $165,000 | $812,000 | $1,000 | $36,000 |
| Hispanic | 5 | $137,000 | $27,000 | $55,000 | $40,000 | $67,000 |
| American Indian or Alaskan Native | 2 | $227,000 | $113,000 | $150,000 | $92,000 | $150,000 |
| Asian | 1 | $112,000 | $112,000 | $112,000 | $44,000 | $44,000 |
| 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) | 410 | $33,495,000 | $81,000 | $3,000,000 | $72,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 48 | $5,929,000 | $123,000 | $288,000 | $57,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,213,000 | $86,000 | $171,000 | $31,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,288,000 | $163,000 | $315,000 | $57,000 | $95,000 |
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 | 279 | $22,958,000 | $82,000 | $812,000 | $72,000 | $348,000 |
| Application Denied By Financial Institution | 116 | $9,264,000 | $79,000 | $417,000 | $57,000 | $560,000 |
| Application Approved But Not Accepted | 43 | $2,757,000 | $64,000 | $226,000 | $67,000 | $287,000 |
| Application Withdrawn By Applicant | 23 | $2,426,000 | $105,000 | $335,000 | $80,000 | $263,000 |
| Loan Purchased By The Institution | 19 | $2,213,000 | $116,000 | $208,000 | $27,000 | $150,000 |
| File Closed For Incompleteness | 6 | $3,307,000 | $551,000 | $3,000,000 | $218,000 | $1,000,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8 | $1,045,000 | $130,000 | $219,000 | $55,000 | $95,000 |
| Credit History | 7 | $565,000 | $80,000 | $270,000 | $40,000 | $66,000 |
| Debt-To-Income Ratio | 4 | $673,000 | $168,000 | $266,000 | $67,000 | $109,000 |
| Credit Application Incomplete | 4 | $349,000 | $87,000 | $124,000 | $170,000 | $560,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $143,000 | $143,000 | $143,000 | $61,000 | $61,000 |
| Other | 1 | $41,000 | $41,000 | $41,000 | $177,000 | $177,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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