Bankfirst Financial Services Mortgage Lending & HMDA Data, 2019
In 2019, Bankfirst Financial Services of Macon, MS reported 629 mortgage applications totaling $128.1 million, down 8% from 2018. The average application was for $203,696, and applicants reported an average income of $125,117. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Tuscaloosa, AL (140), Jackson, MS (102) and Crestview-Fort Walton Beach-Destin, FL (6) (applications in parentheses).
| Mortgage Company & Address | Bankfirst Financial Services Po Box 31 Macon, MS 39341 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 629 |
| Total Mortgage Loan Application Amount | $128,125,000 |
| Average Mortgage Loan Application Amount | $203,696 |
| Highest Mortgage Loan Application Amount | $3,995,000 |
| Average Applicant Income | $125,117 |
| Highest Applicant Income | $5,051,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bankfirst Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tuscaloosa, Alabama | 122 | $ 47,060,000 | $ 385,737 | $ 131,000 |
| Lowndes, Mississippi | 94 | $ 10,650,000 | $ 113,297 | $ 84,000 |
| Newton, Mississippi | 62 | $ 4,670,000 | $ 75,322 | $ 81,000 |
| Oktibbeha, Mississippi | 53 | $ 10,255,000 | $ 193,490 | $ 120,000 |
| Madison, Mississippi | 44 | $ 11,270,000 | $ 256,136 | $ 146,000 |
| Hinds, Mississippi | 34 | $ 3,710,000 | $ 109,117 | $ 79,000 |
| Lafayette, Mississippi | 34 | $ 7,430,000 | $ 218,529 | $ 127,000 |
| Clay, Mississippi | 29 | $ 2,085,000 | $ 71,896 | $ 52,000 |
| Rankin, Mississippi | 24 | $ 5,950,000 | $ 247,916 | $ 317,000 |
| Noxubee, Mississippi | 21 | $ 2,775,000 | $ 132,142 | $ 95,000 |
| Pickens, Alabama | 18 | $ 1,270,000 | $ 70,555 | $ 70,000 |
| Jasper, Mississippi | 16 | $ 860,000 | $ 53,750 | $ 84,000 |
| Webster, Mississippi | 12 | $ 1,790,000 | $ 149,166 | $ 73,000 |
| Baldwin, Alabama | 5 | $ 3,125,000 | $ 625,000 | $ 188,000 |
| Okaloosa, Florida | 4 | $ 1,660,000 | $ 415,000 | $ 464,000 |
| Monroe, Mississippi | 4 | $ 230,000 | $ 57,500 | $ 31,000 |
| Shelby, Tennessee | 4 | $ 1,230,000 | $ 307,500 | $ 106,000 |
| Jefferson, Alabama | 3 | $ 685,000 | $ 228,333 | $ 214,000 |
| Lee, Alabama | 3 | $ 335,000 | $ 111,666 | $ 484,000 |
| Lee, Mississippi | 3 | $ 335,000 | $ 111,666 | $ 52,000 |
| Smith, Mississippi | 3 | $ 285,000 | $ 95,000 | $ 101,000 |
| Lamar, Alabama | 2 | $ 100,000 | $ 50,000 | $ 41,000 |
| Benton, Arkansas | 2 | $ 290,000 | $ 145,000 | $ 39,000 |
| Walton, Florida | 2 | $ 1,090,000 | $ 545,000 | $ 94,000 |
| Chickasaw, Mississippi | 2 | $ 270,000 | $ 135,000 | $ 104,000 |
| Choctaw, Mississippi | 2 | $ 160,000 | $ 80,000 | $ 93,000 |
| Kemper, Mississippi | 2 | $ 90,000 | $ 45,000 | $ 48,000 |
| Lauderdale, Mississippi | 2 | $ 930,000 | $ 465,000 | $ 79,000 |
| Neshoba, Mississippi | 2 | $ 260,000 | $ 130,000 | $ 71,000 |
| Scott, Mississippi | 2 | $ 190,000 | $ 95,000 | $ 66,000 |
| Winston, Mississippi | 2 | $ 330,000 | $ 165,000 | $ 71,000 |
| Madison, Montana | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Bibb, Alabama | 1 | $ 315,000 | $ 315,000 | $ 121,000 |
| Fayette, Alabama | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Madison, Alabama | 1 | $ 125,000 | $ 125,000 | $ 495,000 |
| Winston, Alabama | 1 | $ 375,000 | $ 375,000 | $ 112,000 |
| Pulaski, Arkansas | 1 | $ 285,000 | $ 285,000 | $ 60,000 |
| Escambia, Florida | 1 | $ 465,000 | $ 465,000 | $ 266,000 |
| Cook, Illinois | 1 | $ 3,315,000 | $ 3,315,000 | $ 5,051,000 |
| East Baton Rouge, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Attala, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Calhoun, Mississippi | 1 | $ 225,000 | $ 225,000 | $ 51,000 |
| Forrest, Mississippi | 1 | $ 285,000 | $ 285,000 | $ 76,000 |
| Jones, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Leake, Mississippi | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Lubbock, Texas | 1 | $ 95,000 | $ 95,000 | $ 106,000 |
| Travis, Texas | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Bankfirst Financial Services 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 |
|---|---|---|---|---|---|---|
| Refinancing | 279 | $48,905,000 | $175,000 | $3,995,000 | $143,000 | $5,051,000 |
| Home Purchase | 262 | $66,390,000 | $253,000 | $3,995,000 | $117,000 | $935,000 |
| Cash-out Refinancing | 44 | $9,430,000 | $214,000 | $455,000 | $108,000 | $370,000 |
| Home Improvement | 32 | $2,490,000 | $77,000 | $315,000 | $81,000 | $358,000 |
| Other Purpose | 12 | $910,000 | $75,000 | $225,000 | $67,000 | $212,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 433 | $79,315,000 | $183,000 | $3,315,000 | $133,000 | $5,051,000 |
| Not applicable | 105 | $40,065,000 | $381,000 | $3,995,000 | $0 | $0 |
| Black or African American | 80 | $6,690,000 | $83,000 | $285,000 | $78,000 | $495,000 |
| Hispanic | 5 | $955,000 | $191,000 | $365,000 | $102,000 | $333,000 |
| Asian | 3 | $645,000 | $215,000 | $275,000 | $185,000 | $391,000 |
| American Indian or Alaskan Native | 2 | $150,000 | $75,000 | $75,000 | $83,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $305,000 | $305,000 | $305,000 | $127,000 | $127,000 |
| Not Provided | 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) | 594 | $122,330,000 | $205,000 | $3,995,000 | $129,000 | $5,051,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,530,000 | $176,000 | $315,000 | $77,000 | $204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,630,000 | $163,000 | $285,000 | $59,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 5 | $635,000 | $127,000 | $185,000 | $51,000 | $74,000 |
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 | 516 | $110,900,000 | $214,000 | $3,995,000 | $137,000 | $5,051,000 |
| Application Denied By Financial Institution | 54 | $5,720,000 | $105,000 | $345,000 | $57,000 | $142,000 |
| Application Withdrawn By Applicant | 49 | $10,025,000 | $204,000 | $875,000 | $101,000 | $457,000 |
| Application Approved But Not Accepted | 9 | $1,315,000 | $146,000 | $305,000 | $93,000 | $204,000 |
| File Closed For Incompleteness | 1 | $165,000 | $165,000 | $165,000 | $37,000 | $37,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 575 | $122,405,000 | $212,000 | $3,995,000 | $133,000 | $5,051,000 |
| Credit History | 28 | $2,190,000 | $78,000 | $255,000 | $48,000 | $113,000 |
| Debt-To-Income Ratio | 13 | $1,705,000 | $131,000 | $345,000 | $69,000 | $142,000 |
| Other | 7 | $835,000 | $119,000 | $285,000 | $56,000 | $102,000 |
| Collateral | 3 | $725,000 | $241,000 | $285,000 | $86,000 | $114,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $53,000 | $53,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 1 | $95,000 | $95,000 | $95,000 | $39,000 | $39,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankfirst Financial Services's 2019 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.
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