Holmes County, MS Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 380 mortgage applications in Holmes County, MS totaling $21.2 million, up 11% from 2015. The average application was for $55,000, and applicants reported an average income of $43,000. 41% of applications resulted in an originated loan and 40% were denied. The most active lender was Bankplus, with 128 applications, followed by Vanderbilt Mortgage and Finance, Inc and 21st Mortgage.
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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 | 380 |
| Total Mortgage Loan Application Amount | $21,221,000 |
| Average Mortgage Loan Application Amount | $55,000 |
| Highest Mortgage Loan Application Amount | $691,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $229,000 |
* 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 |
|---|---|---|---|---|
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,569,849,000 | 128 | $ 1,862,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 38 | $ 2,117,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 31 | $ 1,676,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 23 | $ 678,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 7,901,669,000 | 17 | $ 578,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 17 | $ 2,226,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 7 | $ 423,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 6 | $ 572,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 6 | $ 940,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 5 | $ 583,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 447,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 4 | $ 182,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 261,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 266,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 85,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 3 | $ 167,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 3 | $ 152,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 355,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 3 | $ 281,000 |
| American Southwest Mortgage Funding Corp 5900 MOSTELLER DRIVE SUITE 8 OKLAHOMA CITY, OK 73112 |
* | $ 336,426,000 | 3 | $ 380,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,951,154,000 | 3 | $ 844,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 999,878,000 | 2 | $ 21,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 723,474,000 | 2 | $ 474,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,677,017,000 | 2 | $ 6,000 |
| Bank of Yazoo P.O. BOX 600 YAZOO CITY, MS 39194 |
* | $ 243,894,000 | 2 | $ 251,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 189,426,000 | 2 | $ 220,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 2 | $ 408,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,515,162,000 | 2 | $ 30,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 240,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 194,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 2 | $ 42,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,198,079,000 | 2 | $ 52,000 |
| Pedestal Bank 1300 W TUNNEL BLVD HOUMA, LA 70360 |
* | $ 416,370,000 | 1 | $ 36,000 |
| Sterling Bank P O BOX 460, 1100 STERLING DRIVE POPLAR BLUFF, MO 63902 |
* | $ 865,444,000 | 1 | $ 95,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 591,973,000 | 1 | $ 63,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 464,368,000 | 1 | $ 202,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 132,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 72,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 75,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 133,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 41,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,790,125,000 | 1 | $ 30,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 11,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 270,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 73,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 113,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 1 | $ 46,000 |
| Fbt Mortgage, L.L.C. 6911 WASHINGTON AVE SUITE B OCEAN SPRINGS, MS 39564 |
* | $ 678,000,000 | 1 | $ 173,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 667,544,000 | 1 | $ 40,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ 973,196,000 | 1 | $ 89,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,560,707,000 | 1 | $ 76,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 379,807,000 | 1 | $ 15,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 1 | $ 160,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 160,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 184,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 90,000 |
The tables below break down 2016 mortgage applications in Holmes 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 Holmes County, MS in 2016
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 | 147 | $10,433,000 | $70,000 | $691,000 | $45,000 | $229,000 |
| Home Improvement | 140 | $1,450,000 | $10,000 | $203,000 | $34,000 | $123,000 |
| Refinancing | 93 | $9,338,000 | $100,000 | $270,000 | $52,000 | $192,000 |
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 | 281 | $13,161,000 | $46,000 | $270,000 | $40,000 | $229,000 |
| White | 67 | $5,070,000 | $75,000 | $355,000 | $59,000 | $192,000 |
| Not Provided | 21 | $1,571,000 | $74,000 | $270,000 | $48,000 | $171,000 |
| Not applicable | 10 | $1,414,000 | $141,000 | $691,000 | $0 | $0 |
| Hispanic | 1 | $5,000 | $5,000 | $5,000 | $60,000 | $60,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 303 | $13,843,000 | $45,000 | $691,000 | $43,000 | $229,000 |
| FHA-insured (Federal Housing Administration) | 54 | $4,914,000 | $91,000 | $270,000 | $39,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 16 | $1,786,000 | $111,000 | $225,000 | $58,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $678,000 | $96,000 | $160,000 | $28,000 | $60,000 |
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 | 156 | $6,859,000 | $43,000 | $691,000 | $44,000 | $192,000 |
| Application Denied By Financial Institution | 151 | $8,537,000 | $56,000 | $270,000 | $42,000 | $151,000 |
| File Closed For Incompleteness | 31 | $2,063,000 | $66,000 | $134,000 | $49,000 | $229,000 |
| Application Withdrawn By Applicant | 16 | $1,379,000 | $86,000 | $205,000 | $44,000 | $107,000 |
| Application Approved But Not Accepted | 13 | $824,000 | $63,000 | $97,000 | $40,000 | $82,000 |
| Loan Purchased By The Institution | 13 | $1,559,000 | $119,000 | $234,000 | $31,000 | $89,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8 | $596,000 | $74,000 | $90,000 | $57,000 | $151,000 |
| Credit History | 6 | $260,000 | $43,000 | $95,000 | $51,000 | $62,000 |
| Credit Application Incomplete | 5 | $519,000 | $103,000 | $225,000 | $50,000 | $76,000 |
| Debt-To-Income Ratio | 3 | $292,000 | $97,000 | $153,000 | $44,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $188,000 | $62,000 | $83,000 | $49,000 | $85,000 |
| Other | 2 | $55,000 | $27,000 | $40,000 | $21,000 | $24,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $68,000 | $68,000 |
| 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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