Jefferson County, MS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 217 mortgage applications in Jefferson County, MS totaling $21.9 million, up 23% from 2023. The average application was for $100,000, and applicants reported an average income of $67,000. 15% of applications resulted in an originated loan and 54% were denied. The most active lender was 21st Mortgage, with 110 applications, followed by Triad Financial Services, Inc. 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 | 217 |
| Total Mortgage Loan Application Amount | $21,865,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $583,000 |
| 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 |
* | $ n/a | 110 | $ 9,990,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 24 | $ 2,810,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 14 | $ 1,240,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 12 | $ 1,370,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 6 | $ 220,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 5 | $ 615,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 3 | $ 335,000 |
| Riverhills Bank 1400 HIGHWAY 61 NORTH VICKSBURG, MS 39183 |
* | $ n/a | 3 | $ 615,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ n/a | 3 | $ 195,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 2 | $ 230,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 230,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 380,000 |
| Concordia Bank & Trust Co. 904 CARTER ST VIDALIA, LA 71373 |
* | $ n/a | 2 | $ 70,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 210,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 140,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 150,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 105,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 1 | $ 45,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 335,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ n/a | 1 | $ 45,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 1 | $ 315,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 115,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 1 | $ 115,000 |
| Home Bank National Association PO BOX 81459, 503 KALISTE SALOOM RD. LAFAYETTE, LA 70598 |
* | $ n/a | 1 | $ 65,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 95,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 85,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 115,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 335,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 125,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 155,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 315,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 45,000 |
The tables below break down 2024 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 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 | 179 | $18,085,000 | $101,000 | $335,000 | $67,000 | $583,000 |
| Cash-out Refinancing | 11 | $1,335,000 | $121,000 | $335,000 | $61,000 | $147,000 |
| Refinancing | 10 | $1,520,000 | $152,000 | $315,000 | $85,000 | $143,000 |
| Home Improvement | 9 | $345,000 | $38,000 | $85,000 | $64,000 | $121,000 |
| Other Purpose | 8 | $580,000 | $72,000 | $125,000 | $64,000 | $215,000 |
| 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 | 157 | $16,245,000 | $103,000 | $335,000 | $62,000 | $583,000 |
| Not applicable | 32 | $2,570,000 | $80,000 | $315,000 | $0 | $0 |
| White | 14 | $1,700,000 | $121,000 | $315,000 | $129,000 | $338,000 |
| Hispanic | 9 | $925,000 | $102,000 | $205,000 | $69,000 | $145,000 |
| Not Provided | 5 | $425,000 | $85,000 | $125,000 | $45,000 | $87,000 |
| 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) | 203 | $20,555,000 | $101,000 | $335,000 | $67,000 | $583,000 |
| FHA-insured (Federal Housing Administration) | 10 | $810,000 | $81,000 | $125,000 | $57,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $230,000 | $115,000 | $115,000 | $54,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 2 | $270,000 | $135,000 | $175,000 | $56,000 | $56,000 |
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 | 117 | $12,455,000 | $106,000 | $335,000 | $60,000 | $583,000 |
| Loan Originated | 33 | $3,785,000 | $114,000 | $315,000 | $69,000 | $147,000 |
| Loan Purchased By The Institution | 29 | $2,105,000 | $72,000 | $315,000 | $0 | $0 |
| File Closed For Incompleteness | 23 | $2,035,000 | $88,000 | $145,000 | $78,000 | $338,000 |
| Application Withdrawn By Applicant | 10 | $1,040,000 | $104,000 | $205,000 | $84,000 | $215,000 |
| Application Approved But Not Accepted | 5 | $445,000 | $89,000 | $145,000 | $124,000 | $338,000 |
| 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 | 96 | $8,770,000 | $91,000 | $315,000 | $77,000 | $338,000 |
| Credit History | 62 | $6,350,000 | $102,000 | $225,000 | $67,000 | $583,000 |
| Debt-To-Income Ratio | 44 | $4,990,000 | $113,000 | $335,000 | $46,000 | $127,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $675,000 | $135,000 | $175,000 | $77,000 | $151,000 |
| Collateral | 4 | $540,000 | $135,000 | $335,000 | $70,000 | $136,000 |
| Credit Application Incomplete | 4 | $330,000 | $82,000 | $125,000 | $55,000 | $71,000 |
| Unverifiable Information | 2 | $210,000 | $105,000 | $105,000 | $119,000 | $156,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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