Covington County, MS Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 548 mortgage applications in Covington County, MS totaling $58.2 million, down 24% from 2013. The average application was for $106,000, and applicants reported an average income of $59,000. 43% of applications resulted in an originated loan and 32% were denied. The most active lender was 21st Mortgage, with 70 applications, followed by Priorityone Bank 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 | 548 |
| Total Mortgage Loan Application Amount | $58,197,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $5,705,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $2,246,000 |
* 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 |
* | $ 10,000,000 | 70 | $ 3,983,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 543,003,000 | 65 | $ 11,274,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 54 | $ 3,703,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 46 | $ 2,335,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 11,681,215,000 | 33 | $ 2,857,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 366,409,000 | 30 | $ 2,395,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 237,114,000 | 27 | $ 1,810,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,032,498,000 | 19 | $ 1,670,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 18 | $ 2,099,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 661,510,000 | 17 | $ 3,792,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 15 | $ 1,641,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 11 | $ 1,189,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 10 | $ 635,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 8 | $ 1,355,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 768,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 939,735,000 | 8 | $ 3,824,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 7 | $ 1,086,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 7 | $ 778,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 6,615,096,000 | 6 | $ 643,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 757,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 584,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 296,901,000 | 4 | $ 528,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 457,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 4 | $ 348,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 3 | $ 143,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 3 | $ 544,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ 107,890,000 | 3 | $ 403,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 243,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 471,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 2 | $ 8,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 2 | $ 226,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 2 | $ 93,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 2 | $ 237,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 165,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 169,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 118,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 115,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 59,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 111,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 6,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 45,000 |
| Southside Bank 1201 S BECKHAM TYLER, TX 75701 |
* | $ 3,441,570,000 | 1 | $ 496,000 |
| Great Southern National Bank P O BOX 1271 MERIDIAN, MS 39302 |
* | $ 265,878,000 | 1 | $ 38,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,861,646,000 | 1 | $ 51,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 1 | $ 52,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,560,571,000 | 1 | $ 88,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,933,259,000 | 1 | $ 39,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 270,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 100,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,082,473,000 | 1 | $ 10,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 107,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ 825,044,000 | 1 | $ 107,000 |
| Trust Company Bank 766 S WHITE STATION RD SUITE 5 MEMPHIS, TN 38117 |
* | $ 32,060,000 | 1 | $ 88,000 |
| Bank of Labor 756 MINNESOTA AVENUE KANSAS CITY, KS 66101 |
* | $ 518,966,000 | 1 | $ 7,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,256,102,000 | 1 | $ 189,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 691,820,000 | 1 | $ 70,000 |
The tables below break down 2014 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 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 | 282 | $28,297,000 | $100,000 | $2,442,000 | $53,000 | $914,000 |
| Refinancing | 208 | $27,372,000 | $131,000 | $5,705,000 | $68,000 | $2,246,000 |
| Home Improvement | 58 | $2,528,000 | $43,000 | $345,000 | $56,000 | $220,000 |
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 | 322 | $37,130,000 | $115,000 | $5,705,000 | $79,000 | $2,246,000 |
| Black or African American | 127 | $7,119,000 | $56,000 | $300,000 | $36,000 | $207,000 |
| Not applicable | 53 | $7,801,000 | $147,000 | $1,146,000 | $0 | $35,000 |
| Not Provided | 39 | $3,198,000 | $82,000 | $270,000 | $46,000 | $174,000 |
| Hispanic | 3 | $83,000 | $27,000 | $70,000 | $54,000 | $102,000 |
| Asian | 2 | $2,498,000 | $1,249,000 | $2,442,000 | $21,000 | $25,000 |
| American Indian or Alaskan Native | 1 | $328,000 | $328,000 | $328,000 | $298,000 | $298,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $40,000 | $40,000 | $40,000 | $33,000 | $33,000 |
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) | 455 | $46,994,000 | $103,000 | $5,705,000 | $63,000 | $2,246,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $4,134,000 | $96,000 | $212,000 | $21,000 | $71,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,595,000 | $128,000 | $270,000 | $57,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,474,000 | $157,000 | $293,000 | $51,000 | $150,000 |
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 | 234 | $30,220,000 | $129,000 | $5,705,000 | $77,000 | $2,246,000 |
| Application Denied By Financial Institution | 178 | $13,466,000 | $75,000 | $300,000 | $51,000 | $464,000 |
| Loan Purchased By The Institution | 58 | $7,456,000 | $128,000 | $315,000 | $9,000 | $104,000 |
| Application Approved But Not Accepted | 38 | $2,428,000 | $63,000 | $161,000 | $49,000 | $203,000 |
| Application Withdrawn By Applicant | 31 | $3,905,000 | $125,000 | $305,000 | $77,000 | $426,000 |
| File Closed For Incompleteness | 9 | $722,000 | $80,000 | $172,000 | $43,000 | $135,000 |
| 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 | 26 | $1,826,000 | $70,000 | $189,000 | $58,000 | $253,000 |
| Collateral | 10 | $1,230,000 | $123,000 | $216,000 | $70,000 | $140,000 |
| Debt-To-Income Ratio | 9 | $1,371,000 | $152,000 | $300,000 | $64,000 | $149,000 |
| Credit Application Incomplete | 4 | $528,000 | $132,000 | $209,000 | $80,000 | $180,000 |
| Other | 3 | $163,000 | $54,000 | $122,000 | $69,000 | $80,000 |
| Unverifiable Information | 1 | $232,000 | $232,000 | $232,000 | $129,000 | $129,000 |
| 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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