Clarke County, MS Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 1,004 mortgage applications in Clarke County, MS totaling $57.4 million, down 4% from 2004. The average application was for $57,000, and applicants reported an average income of $43,000. 43% of applications resulted in an originated loan and 26% were denied. The most active lender was Bankplus, with 174 applications, followed by Vanderbilt Mortgage and Ameriquest Mortgage Company.
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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 | 1,004 |
| Total Mortgage Loan Application Amount | $57,363,000 |
| Average Mortgage Loan Application Amount | $57,000 |
| Highest Mortgage Loan Application Amount | $531,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $490,000 |
Top Mortgage Lenders in Clarke County, MS (2005)
Ranked by the number of mortgage applications each lender reported in Clarke County, MS in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Bankplus Ridgeland, MS |
174 | $5,730,000 | $32,000 | $39,000 |
| 2 | Vanderbilt Mortgage Maryville, TN |
83 | $2,670,000 | $32,000 | $27,000 |
| 3 | Ameriquest Mortgage Company Orange, CA |
72 | $5,692,000 | $79,000 | $52,000 |
| 4 | First State Bank Waynesboro, MS |
48 | $1,927,000 | $40,000 | $34,000 |
| 5 | Great Southern National Bank Meridian, MS |
48 | $1,742,000 | $36,000 | $41,000 |
| 6 | Homeowners Loan Corporation Atlanta, GA |
47 | $2,755,000 | $58,000 | $36,000 |
| 7 | Wells Fargo Fin'l Mississippi Des Moines, IA |
25 | $2,097,000 | $83,000 | $51,000 |
| 8 | American General Fin.Serv.(De) Evansville, IN |
24 | $623,000 | $25,000 | $23,000 |
| 9 | Decision One Mortgage Mettawa, IL |
23 | $1,374,000 | $59,000 | $53,000 |
| 10 | Citifinancial, Inc. Baltimore, MD |
21 | $664,000 | $31,000 | $36,000 |
The tables below break down 2005 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 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 462 | $33,534,000 | $72,000 | $369,000 | $44,000 | $490,000 |
| Home Purchase | 355 | $19,032,000 | $53,000 | $231,000 | $42,000 | $280,000 |
| Home Improvement | 187 | $4,797,000 | $25,000 | $531,000 | $40,000 | $270,000 |
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 | 537 | $29,964,000 | $55,000 | $369,000 | $46,000 | $270,000 |
| Black or African American | 183 | $8,577,000 | $46,000 | $181,000 | $36,000 | $280,000 |
| Not Provided | 156 | $12,320,000 | $78,000 | $531,000 | $53,000 | $490,000 |
| Not applicable | 116 | $6,075,000 | $52,000 | $237,000 | $14,000 | $102,000 |
| Hispanic | 6 | $171,000 | $28,000 | $63,000 | $57,000 | $86,000 |
| American Indian or Alaskan Native | 4 | $143,000 | $35,000 | $70,000 | $40,000 | $67,000 |
| Asian | 1 | $101,000 | $101,000 | $101,000 | $39,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $12,000 | $12,000 | $12,000 | $17,000 | $17,000 |
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) | 979 | $55,436,000 | $56,000 | $531,000 | $43,000 | $490,000 |
| FHA-insured (Federal Housing Administration) | 14 | $882,000 | $63,000 | $103,000 | $34,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 9 | $919,000 | $102,000 | $132,000 | $41,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $126,000 | $63,000 | $74,000 | $30,000 | $30,000 |
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 | 429 | $21,166,000 | $49,000 | $369,000 | $48,000 | $270,000 |
| Application Denied By Financial Institution | 259 | $14,498,000 | $55,000 | $237,000 | $39,000 | $280,000 |
| Loan Purchased By The Institution | 136 | $6,990,000 | $51,000 | $234,000 | $26,000 | $102,000 |
| Application Withdrawn By Applicant | 102 | $9,633,000 | $94,000 | $531,000 | $49,000 | $490,000 |
| Application Approved But Not Accepted | 68 | $4,133,000 | $60,000 | $219,000 | $45,000 | $122,000 |
| File Closed For Incompleteness | 10 | $943,000 | $94,000 | $180,000 | $49,000 | $102,000 |
| 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 | 52 | $2,921,000 | $56,000 | $172,000 | $43,000 | $280,000 |
| Other | 50 | $3,337,000 | $66,000 | $133,000 | $38,000 | $120,000 |
| Collateral | 14 | $1,112,000 | $79,000 | $237,000 | $44,000 | $123,000 |
| Credit Application Incomplete | 11 | $965,000 | $87,000 | $174,000 | $44,000 | $83,000 |
| Debt-To-Income Ratio | 10 | $765,000 | $76,000 | $137,000 | $32,000 | $53,000 |
| Unverifiable Information | 8 | $486,000 | $60,000 | $127,000 | $36,000 | $90,000 |
| 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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