Humphreys County, MS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 189 mortgage applications in Humphreys County, MS totaling $18.1 million, down 6% from 2023. The average application was for $95,000, and applicants reported an average income of $65,000. 33% of applications resulted in an originated loan and 43% were denied. The most active lender was Guaranty Bank & Trust Company, with 39 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 | 189 |
| Total Mortgage Loan Application Amount | $18,055,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $311,000 |
| 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 |
* | $ n/a | 39 | $ 3,845,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 37 | $ 3,195,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 18 | $ 1,600,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 15 | $ 1,135,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 8 | $ 950,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 6 | $ 190,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ n/a | 5 | $ 415,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ n/a | 5 | $ 235,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 5 | $ 335,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 4 | $ 130,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 245,000 |
| Bank of Yazoo P.O. BOX 600 YAZOO CITY, MS 39194 |
* | $ n/a | 3 | $ 415,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 245,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 225,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 3 | $ 285,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 280,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 170,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 230,000 |
| Planters Bank and Trust Company P. O. BOX 31 INDIANOLA, MS 38751 |
* | $ n/a | 2 | $ 60,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 75,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 145,000 |
| Bellwether Enterprise Real Estate Capital, LLC 1360 E. 9TH STREET SUITE 300 CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 1,005,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 45,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 455,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 15,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 95,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 135,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 25,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 55,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 475,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 95,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 25,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 75,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ n/a | 1 | $ 185,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 1 | $ 55,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 135,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 155,000 |
| Temple View Capital Funding LP 7550 WISCONSIN AVE STE 1000 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2024 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 2024
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 | 128 | $12,120,000 | $94,000 | $505,000 | $62,000 | $311,000 |
| Refinancing | 30 | $3,380,000 | $112,000 | $475,000 | $72,000 | $187,000 |
| Home Improvement | 14 | $370,000 | $26,000 | $105,000 | $59,000 | $273,000 |
| Cash-out Refinancing | 8 | $770,000 | $96,000 | $175,000 | $77,000 | $250,000 |
| Other Purpose | 6 | $340,000 | $56,000 | $85,000 | $74,000 | $157,000 |
| Not Applicable | 3 | $1,075,000 | $358,000 | $1,005,000 | $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 | 132 | $10,490,000 | $79,000 | $425,000 | $56,000 | $187,000 |
| White | 27 | $3,505,000 | $129,000 | $505,000 | $103,000 | $311,000 |
| Not applicable | 15 | $2,695,000 | $179,000 | $1,005,000 | $0 | $0 |
| Not Provided | 12 | $1,290,000 | $107,000 | $475,000 | $69,000 | $250,000 |
| Hispanic | 2 | $60,000 | $30,000 | $35,000 | $128,000 | $244,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $53,000 | $53,000 |
| Asian | 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) | 158 | $14,090,000 | $89,000 | $505,000 | $67,000 | $311,000 |
| FHA-insured (Federal Housing Administration) | 28 | $2,730,000 | $97,000 | $155,000 | $49,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 2 | $230,000 | $115,000 | $145,000 | $44,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $1,005,000 | $1,005,000 | $1,005,000 | $0 | $0 |
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 | 82 | $6,020,000 | $73,000 | $195,000 | $50,000 | $250,000 |
| Loan Originated | 63 | $7,355,000 | $116,000 | $1,005,000 | $80,000 | $273,000 |
| File Closed For Incompleteness | 15 | $1,065,000 | $71,000 | $185,000 | $65,000 | $139,000 |
| Application Withdrawn By Applicant | 12 | $2,000,000 | $166,000 | $485,000 | $93,000 | $311,000 |
| Loan Purchased By The Institution | 9 | $715,000 | $79,000 | $155,000 | $0 | $0 |
| Application Approved But Not Accepted | 8 | $900,000 | $112,000 | $195,000 | $70,000 | $122,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 104 | $11,620,000 | $111,000 | $1,005,000 | $78,000 | $311,000 |
| Credit History | 30 | $1,830,000 | $61,000 | $165,000 | $50,000 | $147,000 |
| Debt-To-Income Ratio | 30 | $2,360,000 | $78,000 | $225,000 | $35,000 | $78,000 |
| Credit Application Incomplete | 9 | $935,000 | $103,000 | $185,000 | $103,000 | $250,000 |
| Collateral | 7 | $615,000 | $87,000 | $145,000 | $63,000 | $122,000 |
| Unverifiable Information | 5 | $395,000 | $79,000 | $155,000 | $65,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $205,000 | $68,000 | $95,000 | $32,000 | $41,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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