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 |
Top Mortgage Lenders in Holmes County, MS (2016)
Ranked by the number of mortgage applications each lender reported in Holmes County, MS in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Bankplus Ridgeland, MS |
128 | $1,862,000 | $14,000 | $38,000 |
| 2 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
38 | $2,117,000 | $55,000 | $39,000 |
| 3 | 21st Mortgage Knoxville, TN |
31 | $1,676,000 | $54,000 | $46,000 |
| 4 | Regions Bank Birmingham, AL |
23 | $678,000 | $29,000 | $46,000 |
| 5 | Renasant Bank Johns Creek, GA |
17 | $578,000 | $34,000 | $38,000 |
| 6 | loanDepot.com LLC Irvine, CA |
17 | $2,226,000 | $130,000 | $44,000 |
| 7 | Clayton Bank and Trust Knoxville, TN |
7 | $423,000 | $60,000 | $44,000 |
| 8 | Reliance First Capital, LLC Melville, NY |
6 | $572,000 | $95,000 | $40,000 |
| 9 | Wells Fargo Bank NA Minneapolis, MN |
6 | $940,000 | $156,000 | $75,000 |
| 10 | USAA Federal Savings Bank San Antonio, TX |
5 | $583,000 | $116,000 | $78,000 |
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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