Covington County, MS Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 721 mortgage applications in Covington County, MS totaling $64.6 million, down 4% from 2012. The average application was for $89,000, and applicants reported an average income of $61,000. 46% of applications resulted in an originated loan and 27% were denied. The most active lender was Priorityone Bank, with 86 applications, followed by 21st Mortgage 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 | 721 |
| Total Mortgage Loan Application Amount | $64,619,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $1,820,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $5,400,000 |
* 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 |
|---|---|---|---|---|
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 515,199,000 | 86 | $ 7,451,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 76 | $ 3,654,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 74 | $ 4,077,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 57 | $ 4,206,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 362,481,000 | 40 | $ 2,668,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 221,316,000 | 38 | $ 1,600,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 34 | $ 3,940,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 33 | $ 4,099,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 660,319,000 | 25 | $ 3,320,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 9,716,802,000 | 23 | $ 2,015,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 718,364,000 | 19 | $ 886,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 17 | $ 2,096,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 14 | $ 2,163,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ 115,367,000 | 14 | $ 2,231,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,390,496,000 | 13 | $ 1,305,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 13 | $ 1,356,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 718,697,000 | 12 | $ 1,323,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 644,190,000 | 8 | $ 543,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 8 | $ 854,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 7 | $ 763,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 285,129,000 | 6 | $ 722,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 379,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 6 | $ 212,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 977,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 6,618,162,000 | 5 | $ 362,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 4 | $ 479,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 199,204,000 | 4 | $ 510,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 4 | $ 263,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 326,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 3 | $ 250,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 3 | $ 368,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 357,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 3 | $ 395,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,084,821,000 | 2 | $ 264,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 2 | $ 53,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 2 | $ 190,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 2 | $ 295,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 2,052,024,000 | 2 | $ 438,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 271,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ 10,000,000 | 2 | $ 344,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,595,673,000 | 2 | $ 118,000 |
| Nola Lending Group, LLC 830 W CAUSEWAY BLVD MANDEVILLE, LA 70471 |
* | $ 28,686,000 | 2 | $ 542,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 353,000 |
| Bank of Wiggins P.O. DRAWER 67 WIGGINS, MS 39577 |
* | $ 189,270,000 | 1 | $ 10,000 |
| Omnibank 236 E CAPITOL ST JACKSON, MS 39201 |
* | $ 50,108,000 | 1 | $ 26,000 |
| Great Southern National Bank P O BOX 1271 MERIDIAN, MS 39302 |
* | $ 266,064,000 | 1 | $ 179,000 |
| Peoples National Bank 5175 N ACADEMY BLVD COLORADO SPRINGS, CO 80918 |
* | $ 241,442,000 | 1 | $ 100,000 |
| Sterling Bank P O BOX 460, 1100 STERLING DRIVE POPLAR BLUFF, MO 63902 |
* | $ 417,114,000 | 1 | $ 1,820,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 39,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 134,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 192,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 224,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 5,923,392,000 | 1 | $ 164,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 81,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 186,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 768,613,000 | 1 | $ 110,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 2,108,081,000 | 1 | $ 62,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 85,000 |
| First State Bank P O BOX 506 WAYNESBORO, MS 39367 |
* | $ 491,960,000 | 1 | $ 81,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 178,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 1 | $ 18,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 183,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 132,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 52,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 1 | $ 54,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 1 | $ 55,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ 187,551,000 | 1 | $ 50,000 |
The tables below break down 2013 mortgage applications in Covington 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 Covington County, MS in 2013
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 | 370 | $31,118,000 | $84,000 | $1,820,000 | $66,000 | $5,400,000 |
| Refinancing | 294 | $32,043,000 | $108,000 | $397,000 | $57,000 | $481,000 |
| Home Improvement | 57 | $1,458,000 | $25,000 | $300,000 | $44,000 | $199,000 |
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 | 434 | $41,031,000 | $94,000 | $1,133,000 | $66,000 | $481,000 |
| Black or African American | 174 | $8,688,000 | $49,000 | $246,000 | $63,000 | $5,400,000 |
| Not applicable | 64 | $9,784,000 | $152,000 | $1,820,000 | $8,000 | $102,000 |
| Not Provided | 43 | $4,154,000 | $96,000 | $306,000 | $58,000 | $201,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $438,000 | $219,000 | $238,000 | $295,000 | $336,000 |
| Asian | 2 | $359,000 | $179,000 | $235,000 | $190,000 | $340,000 |
| American Indian or Alaskan Native | 1 | $117,000 | $117,000 | $117,000 | $26,000 | $26,000 |
| Hispanic | 1 | $48,000 | $48,000 | $48,000 | $49,000 | $49,000 |
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) | 619 | $52,864,000 | $85,000 | $1,820,000 | $65,000 | $5,400,000 |
| FHA-insured (Federal Housing Administration) | 50 | $5,907,000 | $118,000 | $231,000 | $38,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $3,338,000 | $107,000 | $192,000 | $33,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 21 | $2,510,000 | $119,000 | $178,000 | $38,000 | $86,000 |
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 | 335 | $32,043,000 | $95,000 | $1,820,000 | $67,000 | $481,000 |
| Application Denied By Financial Institution | 197 | $12,829,000 | $65,000 | $289,000 | $66,000 | $5,400,000 |
| Loan Purchased By The Institution | 81 | $10,243,000 | $126,000 | $397,000 | $23,000 | $170,000 |
| Application Approved But Not Accepted | 56 | $3,273,000 | $58,000 | $238,000 | $54,000 | $336,000 |
| Application Withdrawn By Applicant | 46 | $5,712,000 | $124,000 | $295,000 | $63,000 | $195,000 |
| File Closed For Incompleteness | 6 | $519,000 | $86,000 | $135,000 | $54,000 | $144,000 |
| 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 | 24 | $1,686,000 | $70,000 | $151,000 | $46,000 | $195,000 |
| Debt-To-Income Ratio | 11 | $987,000 | $89,000 | $186,000 | $30,000 | $83,000 |
| Collateral | 7 | $821,000 | $117,000 | $289,000 | $47,000 | $128,000 |
| Other | 6 | $536,000 | $89,000 | $164,000 | $55,000 | $104,000 |
| Credit Application Incomplete | 3 | $348,000 | $116,000 | $174,000 | $22,000 | $40,000 |
| Unverifiable Information | 1 | $183,000 | $183,000 | $183,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $124,000 | $124,000 | $124,000 | $65,000 | $65,000 |
| 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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