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.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Mississippi.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 |
Top Mortgage Lenders in Kemper County, MS (2024)
Ranked by the number of mortgage applications each lender reported in Kemper County, MS in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | 21st Mortgage Knoxville, TN |
50 | $4,230,000 | $84,000 | $53,000 |
| 2 | The Citizens Bank Philadelphia, MS |
20 | $1,720,000 | $86,000 | $106,000 |
| 3 | Regions Bank Birmingham, AL |
16 | $1,010,000 | $63,000 | $86,000 |
| 4 | Triad Financial Services, Inc. Jacksonville, FL |
14 | $1,380,000 | $98,000 | $56,000 |
| 5 | Trustmark Bank Jackson, MS |
9 | $455,000 | $50,000 | $62,000 |
| 6 | Firstbank Nashville, TN |
7 | $695,000 | $99,000 | $42,000 |
| 7 | Navy Federal Credit Union Vienna, VA |
5 | $635,000 | $127,000 | $72,000 |
| 8 | Community Bank of Mississippi Flowood, MS |
5 | $645,000 | $129,000 | $200,000 |
| 9 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
5 | $435,000 | $87,000 | $19,000 |
| 10 | Mortgage Research Center Columbia, MO |
5 | $1,135,000 | $227,000 | $103,000 |
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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About