Covington County, MS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 654 mortgage applications in Covington County, MS totaling $73.5 million, up 4% from 2023. The average application was for $112,000, and applicants reported an average income of $81,000. 34% of applications resulted in an originated loan and 35% were denied. The most active lender was 21st Mortgage, with 179 applications, followed by Vanderbilt Mortgage and Finance, Inc and Priorityone Bank.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Mississippi.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 654 |
| Total Mortgage Loan Application Amount | $73,480,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $2,704,000 |
* 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 | 179 | $ 15,685,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 58 | $ 4,910,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ n/a | 53 | $ 6,535,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 50 | $ 3,770,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 46 | $ 4,960,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ n/a | 25 | $ 1,715,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 19 | $ 1,885,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ n/a | 16 | $ 1,810,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 13 | $ 1,315,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 13 | $ 1,795,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ n/a | 10 | $ 760,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 10 | $ 1,130,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 8 | $ 670,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 7 | $ 715,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ n/a | 7 | $ 505,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 6 | $ 660,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,150,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 420,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ n/a | 5 | $ 1,065,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 1,165,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ n/a | 4 | $ 610,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ n/a | 4 | $ 680,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 4 | $ 210,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 1,470,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 510,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 435,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 3 | $ 895,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ n/a | 3 | $ 1,695,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 3 | $ 175,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 375,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 835,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 615,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 320,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 240,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 2 | $ 390,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 2 | $ 300,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ n/a | 2 | $ 460,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 580,000 |
| Merchants & Marine Bank P. O. BOX 729 PASCAGOULA, MS 39567 |
* | $ n/a | 2 | $ 340,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 320,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ n/a | 2 | $ 290,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 2 | $ 270,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 170,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 2 | $ 480,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 770,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 185,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 255,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 5,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 1 | $ 65,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 185,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ n/a | 1 | $ 345,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 145,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 65,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 85,000 |
| Traditions Bank 109 SECOND AVE NW CULLMAN, AL 35055 |
* | $ n/a | 1 | $ 85,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 105,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 155,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ n/a | 1 | $ 275,000 |
| Ferguson Federal Credit Union 1026 EAST BROAD ST MONTICELLO, MS 39654 |
* | $ n/a | 1 | $ 155,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ n/a | 1 | $ 85,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 245,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 115,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ n/a | 1 | $ 305,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 155,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 345,000 |
| Residential Acceptance Corporation. Rac. 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ n/a | 1 | $ 125,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ n/a | 1 | $ 135,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 1 | $ 515,000 |
| First South Farm Credit, Aca 260 TRACE COLONY PARK DR RIDGELAND, MS 39157 |
* | $ n/a | 1 | $ 145,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ n/a | 1 | $ 125,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ n/a | 1 | $ 255,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 25,000 |
| Loansteady LLC 8401 GREENSBORO DRIVE SUITE 950 MCCLEAN, VA 22102 |
* | $ n/a | 1 | $ 415,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 105,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 55,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 215,000 |
The tables below break down 2024 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 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 | 451 | $53,325,000 | $118,000 | $805,000 | $67,000 | $482,000 |
| Refinancing | 67 | $9,735,000 | $145,000 | $685,000 | $114,000 | $506,000 |
| Home Improvement | 53 | $3,435,000 | $64,000 | $225,000 | $95,000 | $432,000 |
| Other Purpose | 51 | $3,105,000 | $60,000 | $205,000 | $142,000 | $2,704,000 |
| Cash-out Refinancing | 30 | $3,870,000 | $129,000 | $545,000 | $74,000 | $200,000 |
| Not Applicable | 2 | $10,000 | $5,000 | $5,000 | $0 | $0 |
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 | 305 | $38,025,000 | $124,000 | $805,000 | $103,000 | $2,704,000 |
| Black or African American | 231 | $21,135,000 | $91,000 | $515,000 | $54,000 | $432,000 |
| Not applicable | 70 | $8,150,000 | $116,000 | $545,000 | $39,000 | $39,000 |
| Not Provided | 34 | $4,290,000 | $126,000 | $465,000 | $76,000 | $225,000 |
| Hispanic | 10 | $1,330,000 | $133,000 | $355,000 | $89,000 | $147,000 |
| American Indian or Alaskan Native | 2 | $190,000 | $95,000 | $145,000 | $44,000 | $75,000 |
| Asian | 2 | $360,000 | $180,000 | $255,000 | $78,000 | $90,000 |
| 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) | 576 | $59,770,000 | $103,000 | $805,000 | $83,000 | $2,704,000 |
| FHA-insured (Federal Housing Administration) | 43 | $6,945,000 | $161,000 | $465,000 | $66,000 | $254,000 |
| VA-guaranteed (Veterans Administration) | 23 | $5,125,000 | $222,000 | $545,000 | $87,000 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,640,000 | $136,000 | $235,000 | $54,000 | $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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 232 | $22,040,000 | $95,000 | $605,000 | $76,000 | $2,704,000 |
| Loan Originated | 221 | $27,985,000 | $126,000 | $805,000 | $95,000 | $506,000 |
| Loan Purchased By The Institution | 63 | $6,235,000 | $98,000 | $545,000 | $82,000 | $136,000 |
| File Closed For Incompleteness | 61 | $5,885,000 | $96,000 | $265,000 | $56,000 | $167,000 |
| Application Withdrawn By Applicant | 43 | $7,315,000 | $170,000 | $605,000 | $94,000 | $356,000 |
| Application Approved But Not Accepted | 34 | $4,020,000 | $118,000 | $345,000 | $66,000 | $195,000 |
| 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 | 393 | $48,855,000 | $124,000 | $805,000 | $86,000 | $506,000 |
| Credit History | 131 | $11,515,000 | $87,000 | $405,000 | $85,000 | $2,704,000 |
| Debt-To-Income Ratio | 80 | $8,060,000 | $100,000 | $355,000 | $54,000 | $300,000 |
| Credit Application Incomplete | 14 | $1,230,000 | $87,000 | $335,000 | $133,000 | $600,000 |
| Collateral | 12 | $1,690,000 | $140,000 | $605,000 | $93,000 | $268,000 |
| Unverifiable Information | 12 | $1,200,000 | $100,000 | $145,000 | $79,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $840,000 | $84,000 | $115,000 | $41,000 | $112,000 |
| Other | 2 | $90,000 | $45,000 | $85,000 | $66,000 | $95,000 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About