Holmes County, MS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 309 mortgage applications in Holmes County, MS totaling $27.0 million, down 5% from 2022. The average application was for $87,000, and applicants reported an average income of $69,000. 32% of applications resulted in an originated loan and 44% were denied. The most active lender was 21st Mortgage, with 67 applications, followed by Vanderbilt Mortgage and Finance, Inc and Bankplus.
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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 | 309 |
| Total Mortgage Loan Application Amount | $27,035,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $389,000 |
Top Mortgage Lenders in Holmes County, MS (2023)
Ranked by the number of mortgage applications each lender reported in Holmes County, MS in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | 21st Mortgage Knoxville, TN |
67 | $6,645,000 | $99,000 | $62,000 |
| 2 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
36 | $3,170,000 | $88,000 | $61,000 |
| 3 | Bankplus Ridgeland, MS |
33 | $1,665,000 | $50,000 | $80,000 |
| 4 | Holmes County Bank Lexington, MS |
33 | $1,335,000 | $40,000 | $71,000 |
| 5 | Triad Financial Services, Inc. Jacksonville, FL |
15 | $1,745,000 | $116,000 | $68,000 |
| 6 | Firstbank Nashville, TN |
11 | $1,145,000 | $104,000 | $71,000 |
| 7 | Trustmark Bank Jackson, MS |
9 | $515,000 | $57,000 | $59,000 |
| 8 | Countryplace Mortgage, Ltd. Plano, TX |
9 | $1,485,000 | $165,000 | $108,000 |
| 9 | Credit Human Federal Credit Un San Antonio, TX |
9 | $805,000 | $89,000 | $87,000 |
| 10 | United Community Bank Greenville, SC |
8 | $770,000 | $96,000 | $56,000 |
The tables below break down 2023 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 2023
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 | 213 | $21,805,000 | $102,000 | $255,000 | $69,000 | $360,000 |
| Refinancing | 50 | $2,270,000 | $45,000 | $225,000 | $75,000 | $300,000 |
| Home Improvement | 20 | $790,000 | $39,000 | $145,000 | $67,000 | $185,000 |
| Cash-out Refinancing | 13 | $1,225,000 | $94,000 | $255,000 | $42,000 | $88,000 |
| Other Purpose | 13 | $945,000 | $72,000 | $125,000 | $81,000 | $389,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Black or African American | 222 | $18,280,000 | $82,000 | $255,000 | $65,000 | $300,000 |
| White | 59 | $5,575,000 | $94,000 | $185,000 | $80,000 | $389,000 |
| Not Provided | 15 | $1,765,000 | $117,000 | $225,000 | $75,000 | $186,000 |
| Not applicable | 9 | $1,225,000 | $136,000 | $255,000 | $0 | $0 |
| Hispanic | 1 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $141,000 | $141,000 |
| American Indian or Alaskan Native | 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) | 279 | $23,125,000 | $82,000 | $235,000 | $70,000 | $389,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,745,000 | $119,000 | $255,000 | $55,000 | $121,000 |
| VA-guaranteed (Veterans Administration) | 4 | $780,000 | $195,000 | $255,000 | $54,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $385,000 | $128,000 | $185,000 | $67,000 | $68,000 |
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 | 137 | $12,425,000 | $90,000 | $235,000 | $65,000 | $360,000 |
| Loan Originated | 99 | $7,415,000 | $74,000 | $255,000 | $80,000 | $389,000 |
| File Closed For Incompleteness | 29 | $2,665,000 | $91,000 | $185,000 | $51,000 | $100,000 |
| Application Withdrawn By Applicant | 21 | $2,295,000 | $109,000 | $235,000 | $72,000 | $145,000 |
| Application Approved But Not Accepted | 15 | $1,075,000 | $71,000 | $155,000 | $62,000 | $106,000 |
| Loan Purchased By The Institution | 8 | $1,160,000 | $145,000 | $255,000 | $0 | $0 |
| 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 | 142 | $13,390,000 | $94,000 | $255,000 | $71,000 | $389,000 |
| Credit History | 81 | $7,455,000 | $92,000 | $235,000 | $67,000 | $255,000 |
| Debt-To-Income Ratio | 59 | $3,955,000 | $67,000 | $165,000 | $62,000 | $300,000 |
| Unverifiable Information | 10 | $990,000 | $99,000 | $175,000 | $82,000 | $360,000 |
| Credit Application Incomplete | 5 | $255,000 | $51,000 | $85,000 | $45,000 | $80,000 |
| Collateral | 4 | $390,000 | $97,000 | $125,000 | $54,000 | $93,000 |
| Other | 4 | $190,000 | $47,000 | $105,000 | $73,000 | $164,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $410,000 | $102,000 | $145,000 | $148,000 | $360,000 |
| 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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