Humphreys County, MS Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 214 mortgage applications in Humphreys County, MS totaling $13.7 million, up 27% from 2015. The average application was for $63,000, and applicants reported an average income of $47,000. 43% of applications resulted in an originated loan and 39% were denied. The most active lender was Guaranty Bank & Trust Company, with 51 applications, followed by Bankplus and Vanderbilt Mortgage and Finance, 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 | 214 |
| Total Mortgage Loan Application Amount | $13,680,000 |
| Average Mortgage Loan Application Amount | $63,000 |
| Highest Mortgage Loan Application Amount | $437,000 |
| Average Applicant Income | $47,000 |
| Highest Applicant Income | $244,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 616,251,000 | 51 | $ 2,856,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,569,849,000 | 45 | $ 1,016,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 17 | $ 1,066,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 14 | $ 1,942,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 11 | $ 665,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 9 | $ 253,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,677,017,000 | 7 | $ 777,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 436,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 408,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 3 | $ 103,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 189,426,000 | 3 | $ 111,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 3 | $ 138,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 723,474,000 | 3 | $ 308,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 3 | $ 237,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 7,901,669,000 | 2 | $ 193,000 |
| Bank of Yazoo P.O. BOX 600 YAZOO CITY, MS 39194 |
* | $ 243,894,000 | 2 | $ 114,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 2 | $ 166,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ 181,267,000 | 2 | $ 40,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 248,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 157,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 52,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,951,154,000 | 1 | $ 113,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 112,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 51,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 180,082,000 | 1 | $ 149,000 |
| Centennial Bank P.O. BOX 308 TREZEVANT, TN 38258 |
* | $ 321,852,000 | 1 | $ 38,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 263,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 110,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 198,000 |
| Priority Bank 3401 E MISSION BLVD FAYETTEVILLE, AR 72703 |
* | $ 82,358,000 | 1 | $ 59,000 |
| Community Bank, North Mississippi P. O. BOX 270 AMORY, MS 38821 |
* | $ 523,128,000 | 1 | $ 69,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 1 | $ 62,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 263,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 1 | $ 84,000 |
The tables below break down 2016 mortgage applications in Humphreys 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 Humphreys 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 |
|---|---|---|---|---|---|---|
| Refinancing | 79 | $7,168,000 | $90,000 | $437,000 | $53,000 | $200,000 |
| Home Purchase | 72 | $5,673,000 | $78,000 | $276,000 | $41,000 | $123,000 |
| Home Improvement | 63 | $839,000 | $13,000 | $203,000 | $46,000 | $244,000 |
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 | 138 | $7,596,000 | $55,000 | $437,000 | $44,000 | $244,000 |
| White | 52 | $3,927,000 | $75,000 | $276,000 | $58,000 | $200,000 |
| Not applicable | 11 | $1,137,000 | $103,000 | $263,000 | $18,000 | $200,000 |
| Not Provided | 11 | $884,000 | $80,000 | $203,000 | $59,000 | $174,000 |
| Hispanic | 1 | $59,000 | $59,000 | $59,000 | $15,000 | $15,000 |
| Asian | 1 | $77,000 | $77,000 | $77,000 | $85,000 | $85,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 171 | $9,133,000 | $53,000 | $437,000 | $48,000 | $244,000 |
| FHA-insured (Federal Housing Administration) | 34 | $3,540,000 | $104,000 | $276,000 | $44,000 | $174,000 |
| VA-guaranteed (Veterans Administration) | 5 | $578,000 | $115,000 | $198,000 | $28,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $429,000 | $107,000 | $128,000 | $52,000 | $69,000 |
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 | 92 | $4,959,000 | $53,000 | $263,000 | $58,000 | $244,000 |
| Application Denied By Financial Institution | 84 | $5,478,000 | $65,000 | $437,000 | $39,000 | $169,000 |
| File Closed For Incompleteness | 15 | $1,056,000 | $70,000 | $168,000 | $37,000 | $69,000 |
| Loan Purchased By The Institution | 14 | $1,452,000 | $103,000 | $263,000 | $37,000 | $200,000 |
| Application Withdrawn By Applicant | 7 | $632,000 | $90,000 | $219,000 | $39,000 | $80,000 |
| Application Approved But Not Accepted | 2 | $103,000 | $51,000 | $52,000 | $33,000 | $39,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 14 | $900,000 | $64,000 | $152,000 | $28,000 | $52,000 |
| Credit History | 13 | $688,000 | $52,000 | $276,000 | $42,000 | $95,000 |
| Other | 2 | $40,000 | $20,000 | $35,000 | $30,000 | $48,000 |
| Unverifiable Information | 1 | $19,000 | $19,000 | $19,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $23,000 | $23,000 | $23,000 | $75,000 | $75,000 |
| Collateral | 1 | $109,000 | $109,000 | $109,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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