Franklin County, MS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 227 mortgage applications in Franklin County, MS totaling $26.7 million, up 22% from 2024. The average application was for $117,000, and applicants reported an average income of $79,000. 35% of applications resulted in an originated loan and 33% were denied. The most active lender was 21st Mortgage, with 52 applications, followed by Vanderbilt Mortgage and Finance, Inc and Triad Financial Services, 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 | 227 |
| Total Mortgage Loan Application Amount | $26,665,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $383,000 |
| 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 | 52 | $ 4,640,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 25 | $ 2,055,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 21 | $ 2,025,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 10 | $ 880,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 8 | $ 710,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 7 | $ 1,255,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ n/a | 6 | $ 1,360,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 6 | $ 450,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 5 | $ 515,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 565,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 940,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 510,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 4 | $ 800,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 970,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 4 | $ 300,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 3 | $ 605,000 |
| Concordia Bank & Trust Co. 904 CARTER ST VIDALIA, LA 71373 |
* | $ n/a | 3 | $ 295,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 775,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 3 | $ 395,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 190,000 |
| Loansteady LLC 8401 GREENSBORO DRIVE SUITE 950 MCCLEAN, VA 22102 |
* | $ n/a | 2 | $ 380,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 140,000 |
| Riverland Federal Credit Union 639 LOYOLA AVENUE STE 220 NEW ORLEANS, LA 70113 |
* | $ n/a | 2 | $ 190,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 220,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 160,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 1 | $ 65,000 |
| Feliciana Bank and Trust Company 10926 HIGHWAY 67 P. O. BOX 247 CLINTON, LA 70722 |
* | $ n/a | 1 | $ 205,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 1 | $ 205,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 55,000 |
| Bank of Forest 211 WEST THIRD STREET FOREST, MS 39074 |
* | $ n/a | 1 | $ 315,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 125,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ n/a | 1 | $ 215,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ n/a | 1 | $ 415,000 |
| First South Farm Credit, Aca 260 TRACE COLONY PARK DR RIDGELAND, MS 39157 |
* | $ n/a | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 165,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ n/a | 1 | $ 195,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 125,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 1 | $ 245,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ n/a | 1 | $ 75,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ n/a | 1 | $ 85,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 235,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 1 | $ 55,000 |
| Bank of Louisiana 300 SAINT CHARLES AVENUE NEW ORLEANS, LA 70130 |
* | $ n/a | 1 | $ 235,000 |
| First Bank 100 S BROADWAY MCCOMB, MS 39648 |
* | $ n/a | 1 | $ 65,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 185,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 195,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Franklin 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 Franklin County, MS in 2025
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 | 165 | $18,725,000 | $113,000 | $505,000 | $73,000 | $354,000 |
| Refinancing | 24 | $3,940,000 | $164,000 | $355,000 | $97,000 | $206,000 |
| Cash-out Refinancing | 20 | $2,690,000 | $134,000 | $215,000 | $79,000 | $260,000 |
| Home Improvement | 7 | $435,000 | $62,000 | $115,000 | $140,000 | $383,000 |
| Other Purpose | 7 | $685,000 | $97,000 | $205,000 | $122,000 | $280,000 |
| Not Applicable | 4 | $190,000 | $47,000 | $55,000 | $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 | 99 | $13,965,000 | $141,000 | $505,000 | $103,000 | $383,000 |
| Black or African American | 88 | $7,400,000 | $84,000 | $175,000 | $56,000 | $280,000 |
| Not applicable | 20 | $2,920,000 | $146,000 | $385,000 | $0 | $0 |
| Not Provided | 13 | $1,615,000 | $124,000 | $205,000 | $62,000 | $156,000 |
| Hispanic | 6 | $650,000 | $108,000 | $245,000 | $83,000 | $183,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $48,000 | $48,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 177 | $18,835,000 | $106,000 | $415,000 | $81,000 | $383,000 |
| FHA-insured (Federal Housing Administration) | 32 | $4,110,000 | $128,000 | $355,000 | $64,000 | $153,000 |
| VA-guaranteed (Veterans Administration) | 15 | $3,325,000 | $221,000 | $505,000 | $92,000 | $260,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $395,000 | $131,000 | $165,000 | $46,000 | $77,000 |
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 | 79 | $11,675,000 | $147,000 | $505,000 | $103,000 | $383,000 |
| Application Denied By Financial Institution | 74 | $6,230,000 | $84,000 | $185,000 | $57,000 | $329,000 |
| File Closed For Incompleteness | 33 | $3,265,000 | $98,000 | $195,000 | $76,000 | $305,000 |
| Loan Purchased By The Institution | 16 | $2,390,000 | $149,000 | $385,000 | $0 | $0 |
| Application Withdrawn By Applicant | 14 | $2,120,000 | $151,000 | $245,000 | $63,000 | $155,000 |
| Application Approved But Not Accepted | 11 | $985,000 | $89,000 | $115,000 | $96,000 | $305,000 |
| 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 | 147 | $19,365,000 | $131,000 | $505,000 | $91,000 | $383,000 |
| Credit History | 48 | $3,970,000 | $82,000 | $145,000 | $60,000 | $329,000 |
| Debt-To-Income Ratio | 21 | $2,355,000 | $112,000 | $315,000 | $55,000 | $169,000 |
| Credit Application Incomplete | 5 | $505,000 | $101,000 | $185,000 | $40,000 | $80,000 |
| Collateral | 2 | $190,000 | $95,000 | $105,000 | $103,000 | $140,000 |
| Other | 2 | $160,000 | $80,000 | $95,000 | $47,000 | $61,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $14,000 | $14,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $148,000 | $148,000 |
| 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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