Jefferson County, MS Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 182 mortgage applications in Jefferson County, MS totaling $21.5 million, down 13% from 2021. The average application was for $118,000, and applicants reported an average income of $59,000. 23% of applications resulted in an originated loan and 53% were denied. The most active lender was 21st Mortgage, with 71 applications, followed by Firstbank and United Community Bank.
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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 | 182 |
| Total Mortgage Loan Application Amount | $21,540,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $2,245,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $280,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 71 | $ 7,535,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 17 | $ 1,595,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 20,897,645,000 | 14 | $ 1,380,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 11 | $ 1,165,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 9 | $ 675,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 9 | $ 545,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 6 | $ 840,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 4 | $ 470,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 400,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 3 | $ 625,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 17,593,319,000 | 2 | $ 180,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 2 | $ 450,000 |
| Concordia Bank & Trust Co. 904 CARTER ST VIDALIA, LA 71373 |
* | $ 637,175,000 | 2 | $ 90,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 170,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 2 | $ 200,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 140,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 260,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 420,000 |
| Bellwether Enterprise Real Estate Capital, LLC 1360 E. 9TH STREET SUITE 300 CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 2,245,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 105,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 45,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,072,223,000 | 1 | $ 95,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 85,000 |
| Bank of Zachary PO BOX 497 ZACHARY, LA 70791 |
* | $ 322,922,000 | 1 | $ 215,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 95,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 145,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 105,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 265,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 185,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 55,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,758,936,000 | 1 | $ 75,000 |
The tables below break down 2022 mortgage applications in Jefferson 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 Jefferson County, MS in 2022
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 | 148 | $15,660,000 | $105,000 | $285,000 | $58,000 | $252,000 |
| Cash-out Refinancing | 14 | $1,820,000 | $130,000 | $265,000 | $49,000 | $106,000 |
| Refinancing | 13 | $1,535,000 | $118,000 | $215,000 | $73,000 | $235,000 |
| Home Improvement | 5 | $225,000 | $45,000 | $75,000 | $87,000 | $280,000 |
| Not Applicable | 1 | $2,245,000 | $2,245,000 | $2,245,000 | $0 | $0 |
| Other Purpose | 1 | $55,000 | $55,000 | $55,000 | $38,000 | $38,000 |
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 | 153 | $16,265,000 | $106,000 | $285,000 | $58,000 | $252,000 |
| Not Provided | 13 | $1,505,000 | $115,000 | $215,000 | $76,000 | $280,000 |
| White | 9 | $885,000 | $98,000 | $265,000 | $70,000 | $235,000 |
| Not applicable | 3 | $2,605,000 | $868,000 | $2,245,000 | $0 | $0 |
| Hispanic | 1 | $75,000 | $75,000 | $75,000 | $10,000 | $10,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $6,000 | $6,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $37,000 | $37,000 |
| 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) | 166 | $17,310,000 | $104,000 | $285,000 | $60,000 | $280,000 |
| FHA-insured (Federal Housing Administration) | 12 | $3,750,000 | $312,000 | $2,245,000 | $54,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $290,000 | $145,000 | $145,000 | $57,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 2 | $190,000 | $95,000 | $105,000 | $34,000 | $47,000 |
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 | 96 | $10,390,000 | $108,000 | $285,000 | $58,000 | $280,000 |
| Loan Originated | 41 | $6,625,000 | $161,000 | $2,245,000 | $59,000 | $132,000 |
| File Closed For Incompleteness | 29 | $2,695,000 | $92,000 | $215,000 | $57,000 | $134,000 |
| Application Withdrawn By Applicant | 10 | $1,340,000 | $134,000 | $255,000 | $76,000 | $235,000 |
| Application Approved But Not Accepted | 5 | $345,000 | $69,000 | $95,000 | $52,000 | $83,000 |
| Loan Purchased By The Institution | 1 | $145,000 | $145,000 | $145,000 | $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 | 84 | $10,900,000 | $129,000 | $2,245,000 | $60,000 | $235,000 |
| Credit History | 57 | $6,515,000 | $114,000 | $285,000 | $68,000 | $280,000 |
| Debt-To-Income Ratio | 31 | $3,145,000 | $101,000 | $215,000 | $37,000 | $93,000 |
| Unverifiable Information | 3 | $315,000 | $105,000 | $125,000 | $65,000 | $108,000 |
| Other | 2 | $70,000 | $35,000 | $65,000 | $84,000 | $110,000 |
| Credit Application Incomplete | 2 | $260,000 | $130,000 | $175,000 | $22,000 | $22,000 |
| Collateral | 1 | $65,000 | $65,000 | $65,000 | $57,000 | $57,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $76,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $52,000 | $52,000 |
| 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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