Kemper County, MS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 191 mortgage applications in Kemper County, MS totaling $21.9 million, up 14% from 2023. The average application was for $114,000, and applicants reported an average income of $77,000. 36% of applications resulted in an originated loan and 37% were denied. The most active lender was 21st Mortgage, with 50 applications, followed by The Citizens Bank and Regions 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 | 191 |
| Total Mortgage Loan Application Amount | $21,885,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $551,000 |
| 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 | 50 | $ 4,230,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ n/a | 20 | $ 1,720,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 16 | $ 1,010,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 14 | $ 1,380,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 9 | $ 455,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 7 | $ 695,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 5 | $ 635,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ n/a | 5 | $ 645,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 5 | $ 435,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 1,135,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 4 | $ 380,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 180,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 635,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 2 | $ 590,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 2 | $ 380,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 260,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 320,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 290,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 2 | $ 210,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 680,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 75,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 95,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 1 | $ 35,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 1 | $ 205,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 235,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 385,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 185,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 385,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 125,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 125,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 405,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ n/a | 1 | $ 65,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ n/a | 1 | $ 175,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ n/a | 1 | $ 35,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 165,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 355,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 65,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 75,000 |
| Great Southern Bank P O BOX 1271 MERIDIAN, MS 39301 |
* | $ n/a | 1 | $ 125,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2024 mortgage applications in Kemper 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 Kemper 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 | 127 | $15,325,000 | $120,000 | $455,000 | $72,000 | $551,000 |
| Refinancing | 24 | $3,360,000 | $140,000 | $475,000 | $113,000 | $295,000 |
| Other Purpose | 15 | $1,075,000 | $71,000 | $125,000 | $71,000 | $194,000 |
| Home Improvement | 15 | $705,000 | $47,000 | $105,000 | $69,000 | $221,000 |
| Cash-out Refinancing | 10 | $1,420,000 | $142,000 | $285,000 | $85,000 | $205,000 |
| 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 | 88 | $7,790,000 | $88,000 | $285,000 | $63,000 | $348,000 |
| White | 77 | $10,925,000 | $141,000 | $475,000 | $94,000 | $551,000 |
| Not applicable | 16 | $1,830,000 | $114,000 | $385,000 | $0 | $0 |
| Not Provided | 9 | $1,285,000 | $142,000 | $455,000 | $77,000 | $213,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $35,000 | $35,000 |
| 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) | 152 | $13,370,000 | $87,000 | $385,000 | $72,000 | $551,000 |
| VA-guaranteed (Veterans Administration) | 23 | $5,635,000 | $245,000 | $475,000 | $96,000 | $166,000 |
| FHA-insured (Federal Housing Administration) | 14 | $2,670,000 | $190,000 | $455,000 | $102,000 | $213,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $210,000 | $105,000 | $135,000 | $50,000 | $58,000 |
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 | 71 | $6,555,000 | $92,000 | $295,000 | $54,000 | $221,000 |
| Loan Originated | 69 | $8,875,000 | $128,000 | $475,000 | $95,000 | $551,000 |
| Loan Purchased By The Institution | 15 | $1,725,000 | $115,000 | $385,000 | $0 | $0 |
| File Closed For Incompleteness | 15 | $1,425,000 | $95,000 | $155,000 | $70,000 | $146,000 |
| Application Withdrawn By Applicant | 13 | $2,105,000 | $161,000 | $455,000 | $116,000 | $290,000 |
| Application Approved But Not Accepted | 7 | $795,000 | $113,000 | $205,000 | $89,000 | $140,000 |
| Preapproval Denied by Financial Institution | 1 | $405,000 | $405,000 | $405,000 | $116,000 | $116,000 |
| Preapproval Approved but not Accepted | 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 | 97 | $12,835,000 | $132,000 | $475,000 | $89,000 | $551,000 |
| Credit History | 43 | $3,775,000 | $87,000 | $185,000 | $52,000 | $221,000 |
| Debt-To-Income Ratio | 35 | $3,225,000 | $92,000 | $345,000 | $80,000 | $295,000 |
| Credit Application Incomplete | 7 | $985,000 | $140,000 | $285,000 | $86,000 | $166,000 |
| Collateral | 6 | $340,000 | $56,000 | $115,000 | $77,000 | $205,000 |
| Employment History | 2 | $320,000 | $160,000 | $235,000 | $69,000 | $83,000 |
| Unverifiable Information | 1 | $405,000 | $405,000 | $405,000 | $116,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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