Bankfirst Financial Services
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Bankfirst Financial Services 2006 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bankfirst Financial Services 110 South Jefferson Macon, MS 39341 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 974 |
| Total Mortgage Loan Application Amount | $88,009,000 |
| Average Mortgage Loan Application Amount | $69,000 |
| Highest Mortgage Loan Application Amount | $875,000 |
| Average Applicant Income | $62,666 |
| Highest Applicant Income | $1,404,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Bankfirst Financial Services. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bankfirst Financial Services's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Bankfirst Financial Services's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bankfirst Financial Services serves its applicants.
Each category highlights the total number of mortgage applications processed by Bankfirst Financial Services, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bankfirst Financial Services's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lowndes County Mississippi | 282 | $ 22,159,000 | $ 78,000 | $ 59,000 |
| Oktibbeha County Mississippi | 168 | $ 17,796,000 | $ 105,000 | $ 80,000 |
| Noxubee County Mississippi | 153 | $ 6,846,000 | $ 44,000 | $ 62,000 |
| Clay County Mississippi | 119 | $ 8,157,000 | $ 68,000 | $ 55,000 |
| Madison County Mississippi | 54 | $ 12,831,000 | $ 237,000 | $ 82,000 |
| Rankin County Mississippi | 40 | $ 6,687,000 | $ 167,000 | $ 76,000 |
| Hinds County Mississippi | 24 | $ 3,277,000 | $ 136,000 | $ 58,000 |
| Webster County Mississippi | 21 | $ 1,314,000 | $ 62,000 | $ 40,000 |
| Monroe County Mississippi | 19 | $ 1,238,000 | $ 65,000 | $ 60,000 |
| Pickens County Alabama | 10 | $ 501,000 | $ 50,000 | $ 46,000 |
| Lauderdale County Mississippi | 9 | $ 805,000 | $ 89,000 | $ 74,000 |
| Winston County Mississippi | 9 | $ 369,000 | $ 41,000 | $ 28,000 |
| Choctaw County Mississippi | 8 | $ 896,000 | $ 112,000 | $ 63,000 |
| Kemper County Mississippi | 6 | $ 259,000 | $ 43,000 | $ 38,000 |
| Copiah County Mississippi | 4 | $ 782,000 | $ 195,000 | $ 77,000 |
| Lafayette County Mississippi | 4 | $ 426,000 | $ 106,000 | $ 110,000 |
| Lee County Mississippi | 4 | $ 288,000 | $ 72,000 | $ 174,000 |
| Baldwin County Alabama | 2 | $ 838,000 | $ 419,000 | $ 0 |
| Attala County Mississippi | 2 | $ 123,000 | $ 61,000 | $ 144,000 |
| Chickasaw County Mississippi | 2 | $ 51,000 | $ 25,000 | $ 22,000 |
| Harrison County Mississippi | 2 | $ 65,000 | $ 32,000 | $ 11,000 |
| Shelby County Tennessee | 2 | $ 132,000 | $ 66,000 | $ 864,000 |
| Fayette County Alabama | 1 | $ 31,000 | $ 31,000 | $ 104,000 |
| Jefferson County Alabama | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Lamar County Alabama | 1 | $ 22,000 | $ 22,000 | $ 64,000 |
| Lake County Florida | 1 | $ 114,000 | $ 114,000 | $ 70,000 |
| Okaloosa County Florida | 1 | $ 100,000 | $ 100,000 | $ 73,000 |
| Heard County Georgia | 1 | $ 74,000 | $ 74,000 | $ 72,000 |
| Adams County Mississippi | 1 | $ 110,000 | $ 110,000 | $ 245,000 |
| Forrest County Mississippi | 1 | $ 62,000 | $ 62,000 | $ 50,000 |
| Grenada County Mississippi | 1 | $ 17,000 | $ 17,000 | $ 124,000 |
| Jones County Mississippi | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Leake County Mississippi | 1 | $ 197,000 | $ 197,000 | $ 65,000 |
| Leflore County Mississippi | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| Scott County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Simpson County Mississippi | 1 | $ 70,000 | $ 70,000 | $ 52,000 |
| Warren County Mississippi | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Yazoo County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Bankfirst Financial Services in 2006
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 | 477 | $52,189,000 | $109,000 | $875,000 | $65,000 | $864,000 |
| Refinancing | 441 | $34,661,000 | $78,000 | $608,000 | $68,000 | $1,404,000 |
| Home Improvement | 56 | $1,159,000 | $20,000 | $100,000 | $55,000 | $267,000 |
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 | 648 | $63,029,000 | $97,000 | $875,000 | $80,000 | $1,404,000 |
| Black or African American | 232 | $13,954,000 | $60,000 | $341,000 | $49,000 | $444,000 |
| Not applicable | 82 | $9,610,000 | $117,000 | $608,000 | $0 | $0 |
| Asian | 6 | $1,072,000 | $178,000 | $288,000 | $97,000 | $209,000 |
| Hispanic | 5 | $342,000 | $68,000 | $200,000 | $46,000 | $85,000 |
| Not Provided | 1 | $2,000 | $2,000 | $2,000 | $23,000 | $23,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 931 | $82,769,000 | $88,000 | $875,000 | $66,000 | $1,404,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,872,000 | $114,000 | $187,000 | $53,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,979,000 | $152,000 | $391,000 | $64,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $389,000 | $77,000 | $147,000 | $32,000 | $66,000 |
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 | 828 | $76,388,000 | $92,000 | $875,000 | $70,000 | $1,404,000 |
| Application Denied By Financial Institution | 71 | $4,076,000 | $57,000 | $300,000 | $32,000 | $126,000 |
| Application Withdrawn By Applicant | 50 | $4,979,000 | $99,000 | $295,000 | $51,000 | $192,000 |
| Preapproval Denied by Financial Institution | 12 | $877,000 | $73,000 | $146,000 | $28,000 | $56,000 |
| Application Approved But Not Accepted | 11 | $1,478,000 | $134,000 | $332,000 | $65,000 | $122,000 |
| File Closed For Incompleteness | 2 | $211,000 | $105,000 | $126,000 | $41,000 | $60,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankfirst Financial Services's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bankfirst Financial Services's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Mississippi, download the full spreadsheet
with aggregated HMDA statistics today.