Lawrence County, MS Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 324 mortgage applications in Lawrence County, MS totaling $28.6 million, up 18% from 2018. The average application was for $88,000, and applicants reported an average income of $66,000. 38% of applications resulted in an originated loan and 36% were denied. The most active lender was Regions Bank, with 65 applications, followed by 21st Mortgage and State Bank & Trust Company.
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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 | 324 |
| Total Mortgage Loan Application Amount | $28,590,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $303,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 65 | $ 5,665,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 53 | $ 3,235,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 1,178,729,000 | 28 | $ 1,870,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 22 | $ 1,330,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 17 | $ 985,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,284,058,000 | 16 | $ 1,440,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 8 | $ 530,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 420,400,000 | 6 | $ 370,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 2,734,648,000 | 5 | $ 365,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 1,190,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 297,303,000 | 4 | $ 260,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 510,000 |
| First Bank 100 S BROADWAY MCCOMB, MS 39648 |
* | $ 543,863,000 | 4 | $ 250,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 175,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 3 | $ 345,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 3,239,014,000 | 3 | $ 195,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 575,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 735,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 270,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 2 | $ 110,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 190,441,000 | 2 | $ 160,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 12,915,178,000 | 2 | $ 550,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 350,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 250,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 18,008,424,000 | 2 | $ 290,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 28,215,417,000 | 2 | $ 120,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 2 | $ 120,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 190,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 200,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ 824,014,000 | 2 | $ 330,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 2 | $ 220,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 230,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 2 | $ 100,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 185,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 125,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 165,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 85,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ -1,000 | 1 | $ 335,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 476,111,000 | 1 | $ 65,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 3,335,459,000 | 1 | $ 85,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ -1,000 | 1 | $ 15,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 1 | $ 155,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 65,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 65,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 95,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 85,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 1 | $ 35,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 7,347,510,000 | 1 | $ 75,000 |
| Copiah Bank 101 CALDWELL DRIVE HAZLEHURST, MS 39083 |
* | $ 224,714,000 | 1 | $ 325,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 9,796,674,000 | 1 | $ 115,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 105,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 145,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 787,746,000 | 1 | $ 335,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 165,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 165,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 30,737,643,000 | 1 | $ 245,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 25,000 |
The tables below break down 2019 mortgage applications in Lawrence 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 Lawrence County, MS in 2019
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 | $15,135,000 | $84,000 | $365,000 | $56,000 | $303,000 |
| Refinancing | 63 | $7,175,000 | $113,000 | $455,000 | $84,000 | $273,000 |
| Other Purpose | 32 | $1,670,000 | $52,000 | $155,000 | $71,000 | $300,000 |
| Cash-out Refinancing | 28 | $3,300,000 | $117,000 | $265,000 | $80,000 | $195,000 |
| Home Improvement | 19 | $1,065,000 | $56,000 | $165,000 | $71,000 | $286,000 |
| Not Applicable | 3 | $245,000 | $81,000 | $115,000 | $125,000 | $125,000 |
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 |
|---|---|---|---|---|---|---|
| White | 201 | $18,295,000 | $91,000 | $455,000 | $75,000 | $303,000 |
| Black or African American | 89 | $6,825,000 | $76,000 | $345,000 | $46,000 | $140,000 |
| Not Provided | 15 | $1,095,000 | $73,000 | $145,000 | $69,000 | $136,000 |
| Not applicable | 13 | $1,565,000 | $120,000 | $265,000 | $48,000 | $69,000 |
| Hispanic | 5 | $765,000 | $153,000 | $265,000 | $56,000 | $102,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $71,000 | $71,000 |
| 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) | 261 | $19,965,000 | $76,000 | $365,000 | $66,000 | $286,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,350,000 | $119,000 | $305,000 | $78,000 | $303,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,835,000 | $182,000 | $455,000 | $63,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,440,000 | $102,000 | $245,000 | $40,000 | $71,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 124 | $12,910,000 | $104,000 | $365,000 | $79,000 | $303,000 |
| Application Denied By Financial Institution | 117 | $8,005,000 | $68,000 | $215,000 | $55,000 | $300,000 |
| File Closed For Incompleteness | 28 | $2,460,000 | $87,000 | $345,000 | $61,000 | $169,000 |
| Application Approved But Not Accepted | 23 | $1,815,000 | $78,000 | $455,000 | $67,000 | $136,000 |
| Application Withdrawn By Applicant | 17 | $1,685,000 | $99,000 | $455,000 | $63,000 | $132,000 |
| Loan Purchased By The Institution | 15 | $1,715,000 | $114,000 | $265,000 | $57,000 | $82,000 |
| 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 | 181 | $18,125,000 | $100,000 | $455,000 | $72,000 | $303,000 |
| Credit History | 61 | $3,325,000 | $54,000 | $125,000 | $44,000 | $120,000 |
| Debt-To-Income Ratio | 52 | $4,440,000 | $85,000 | $325,000 | $63,000 | $195,000 |
| Credit Application Incomplete | 12 | $1,040,000 | $86,000 | $125,000 | $108,000 | $286,000 |
| Other | 8 | $780,000 | $97,000 | $215,000 | $62,000 | $153,000 |
| Unverifiable Information | 7 | $655,000 | $93,000 | $215,000 | $90,000 | $300,000 |
| Collateral | 1 | $25,000 | $25,000 | $25,000 | $21,000 | $21,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $25,000 | $25,000 | $25,000 | $23,000 | $23,000 |
| 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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