Humphreys County, MS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 200 mortgage applications in Humphreys County, MS totaling $17.9 million, up 20% from 2022. The average application was for $89,000, and applicants reported an average income of $63,000. 32% of applications resulted in an originated loan and 40% were denied. The most active lender was Guaranty Bank & Trust Company, with 41 applications, followed by 21st Mortgage 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 | 200 |
| Total Mortgage Loan Application Amount | $17,910,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $411,000 |
| 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 |
* | $ 1,881,339,000 | 41 | $ 2,935,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 23 | $ 2,255,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 7,028,113,000 | 22 | $ 1,900,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 18,013,146,000 | 15 | $ 1,235,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 11 | $ 715,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 10 | $ 1,080,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 10 | $ 850,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 292,779,000 | 5 | $ 245,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 300,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 4 | $ 420,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 3 | $ 275,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 355,000 |
| Bank of Yazoo P.O. BOX 600 YAZOO CITY, MS 39194 |
* | $ 317,943,000 | 3 | $ 295,000 |
| Planters Bank and Trust Company P. O. BOX 31 INDIANOLA, MS 38751 |
* | $ 1,896,312,000 | 2 | $ 40,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 2 | $ 250,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 2 | $ 120,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 200,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 2 | $ 290,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 2 | $ 130,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 230,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 530,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 150,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 2 | $ 100,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 4,608,467,000 | 2 | $ 100,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 210,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 8,876,888,000 | 1 | $ 105,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 420,883,000 | 1 | $ 315,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 1 | $ 295,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 175,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 2,258,187,000 | 1 | $ 35,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 2,442,888,000 | 1 | $ 35,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 85,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 205,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 35,158,162,000 | 1 | $ 65,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 95,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 135,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 125,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 95,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2023 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 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 | 147 | $14,235,000 | $96,000 | $415,000 | $61,000 | $411,000 |
| Refinancing | 16 | $1,160,000 | $72,000 | $195,000 | $70,000 | $213,000 |
| Cash-out Refinancing | 15 | $1,565,000 | $104,000 | $175,000 | $63,000 | $204,000 |
| Home Improvement | 12 | $580,000 | $48,000 | $105,000 | $88,000 | $276,000 |
| Other Purpose | 9 | $295,000 | $32,000 | $55,000 | $63,000 | $150,000 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $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 |
|---|---|---|---|---|---|---|
| Black or African American | 155 | $11,965,000 | $77,000 | $215,000 | $52,000 | $276,000 |
| White | 33 | $4,225,000 | $128,000 | $415,000 | $114,000 | $411,000 |
| Not applicable | 7 | $1,145,000 | $163,000 | $315,000 | $0 | $0 |
| Not Provided | 5 | $575,000 | $115,000 | $205,000 | $82,000 | $133,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian 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) | 157 | $13,125,000 | $83,000 | $375,000 | $64,000 | $411,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,580,000 | $99,000 | $215,000 | $55,000 | $204,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,975,000 | $151,000 | $415,000 | $75,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $230,000 | $57,000 | $75,000 | $40,000 | $44,000 |
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 | 81 | $6,155,000 | $75,000 | $175,000 | $52,000 | $276,000 |
| Loan Originated | 64 | $6,020,000 | $94,000 | $415,000 | $76,000 | $411,000 |
| Application Withdrawn By Applicant | 26 | $2,770,000 | $106,000 | $255,000 | $70,000 | $156,000 |
| File Closed For Incompleteness | 15 | $1,305,000 | $87,000 | $195,000 | $46,000 | $96,000 |
| Application Approved But Not Accepted | 12 | $1,490,000 | $124,000 | $305,000 | $84,000 | $150,000 |
| Loan Purchased By The Institution | 2 | $170,000 | $85,000 | $95,000 | $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 | 112 | $11,020,000 | $98,000 | $415,000 | $71,000 | $411,000 |
| Credit History | 34 | $2,540,000 | $74,000 | $175,000 | $56,000 | $204,000 |
| Debt-To-Income Ratio | 33 | $2,745,000 | $83,000 | $315,000 | $52,000 | $276,000 |
| Credit Application Incomplete | 7 | $575,000 | $82,000 | $155,000 | $67,000 | $99,000 |
| Other | 6 | $460,000 | $76,000 | $125,000 | $46,000 | $78,000 |
| Collateral | 5 | $295,000 | $59,000 | $105,000 | $50,000 | $65,000 |
| Unverifiable Information | 2 | $220,000 | $110,000 | $145,000 | $74,000 | $78,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| 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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