Clay County, MS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 607 mortgage applications in Clay County, MS totaling $72.1 million, up 18% from 2023. The average application was for $118,000, and applicants reported an average income of $78,000. 42% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 115 applications, followed by Cadence Bank and Renasant 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 | 607 |
| Total Mortgage Loan Application Amount | $72,115,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $764,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 115 | $ 11,195,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 85 | $ 7,585,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 50 | $ 7,420,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ n/a | 24 | $ 2,170,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 23 | $ 1,835,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 23 | $ 2,215,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 15 | $ 1,685,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 14 | $ 2,430,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 14 | $ 1,410,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 14 | $ 2,690,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 14 | $ 1,380,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 9 | $ 1,025,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 8 | $ 1,320,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ n/a | 8 | $ 370,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 7 | $ 1,775,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 7 | $ 1,095,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 7 | $ 595,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 7 | $ 1,135,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 7 | $ 795,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 6 | $ 850,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 6 | $ 500,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 6 | $ 1,400,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 5 | $ 655,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 835,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 5 | $ 765,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 5 | $ 685,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 5 | $ 1,175,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 5 | $ 565,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 4 | $ 270,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ n/a | 4 | $ 780,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 360,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 4 | $ 120,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 725,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 335,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 3 | $ 385,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ n/a | 3 | $ 335,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 595,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 345,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 435,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 125,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 95,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 450,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 520,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 320,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 150,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 2 | $ 200,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ n/a | 2 | $ 310,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ n/a | 2 | $ 80,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 2 | $ 260,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 2 | $ 620,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ n/a | 2 | $ 90,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 250,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ n/a | 2 | $ 320,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 55,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 55,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 255,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 385,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 125,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 165,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 65,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 105,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 195,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ n/a | 1 | $ 225,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 95,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 145,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 365,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 55,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 255,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 145,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 45,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 345,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 35,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 1 | $ 95,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 335,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 95,000 |
| Decatur County Bank 56 N. PLEASANT ST. DECATURVILLE, TN 38329 |
* | $ n/a | 1 | $ 165,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 355,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 95,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 135,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 115,000 |
The tables below break down 2024 mortgage applications in Clay 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 Clay 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 | 381 | $49,855,000 | $130,000 | $645,000 | $73,000 | $600,000 |
| Refinancing | 86 | $10,410,000 | $121,000 | $805,000 | $98,000 | $764,000 |
| Other Purpose | 64 | $3,270,000 | $51,000 | $155,000 | $78,000 | $193,000 |
| Cash-out Refinancing | 49 | $7,325,000 | $149,000 | $365,000 | $82,000 | $280,000 |
| Home Improvement | 25 | $1,145,000 | $45,000 | $115,000 | $86,000 | $225,000 |
| Not Applicable | 2 | $110,000 | $55,000 | $55,000 | $30,000 | $30,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 246 | $25,960,000 | $105,000 | $385,000 | $63,000 | $600,000 |
| White | 231 | $29,175,000 | $126,000 | $805,000 | $94,000 | $764,000 |
| Not applicable | 78 | $10,780,000 | $138,000 | $645,000 | $30,000 | $30,000 |
| Not Provided | 42 | $5,120,000 | $121,000 | $385,000 | $81,000 | $310,000 |
| Hispanic | 6 | $530,000 | $88,000 | $165,000 | $63,000 | $168,000 |
| Asian | 3 | $385,000 | $128,000 | $195,000 | $37,000 | $106,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $41,000 | $41,000 |
| 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) | 434 | $42,120,000 | $97,000 | $805,000 | $77,000 | $764,000 |
| FHA-insured (Federal Housing Administration) | 100 | $15,460,000 | $154,000 | $385,000 | $76,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 45 | $10,595,000 | $235,000 | $385,000 | $105,000 | $319,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,940,000 | $140,000 | $205,000 | $64,000 | $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 | 257 | $32,135,000 | $125,000 | $805,000 | $88,000 | $764,000 |
| Application Denied By Financial Institution | 168 | $16,410,000 | $97,000 | $325,000 | $66,000 | $600,000 |
| Loan Purchased By The Institution | 57 | $7,735,000 | $135,000 | $565,000 | $44,000 | $59,000 |
| Application Withdrawn By Applicant | 53 | $7,035,000 | $132,000 | $375,000 | $87,000 | $570,000 |
| File Closed For Incompleteness | 52 | $5,860,000 | $112,000 | $255,000 | $58,000 | $168,000 |
| Application Approved But Not Accepted | 20 | $2,940,000 | $147,000 | $365,000 | $91,000 | $202,000 |
| 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 | 434 | $55,030,000 | $126,000 | $805,000 | $82,000 | $764,000 |
| Credit History | 85 | $7,695,000 | $90,000 | $285,000 | $64,000 | $600,000 |
| Debt-To-Income Ratio | 43 | $3,835,000 | $89,000 | $285,000 | $59,000 | $359,000 |
| Credit Application Incomplete | 18 | $2,230,000 | $123,000 | $315,000 | $91,000 | $319,000 |
| Collateral | 15 | $1,825,000 | $121,000 | $325,000 | $93,000 | $173,000 |
| Other | 8 | $1,090,000 | $136,000 | $325,000 | $76,000 | $137,000 |
| Unverifiable Information | 3 | $345,000 | $115,000 | $145,000 | $56,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $88,000 | $88,000 |
| 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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