Bankfirst Financial Services
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Bankfirst Financial Services 2022 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 Po Box 31 Columbus, MS 39341 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 1,241 |
| Total Mortgage Loan Application Amount | $259,075,000 |
| Average Mortgage Loan Application Amount | $170,600 |
| Highest Mortgage Loan Application Amount | $6,405,000 |
| Average Applicant Income | $137,400 |
| Highest Applicant Income | $6,786,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tuscaloosa County Alabama | 210 | $ 55,300,000 | $ 263,000 | $ 165,000 |
| Lowndes County Mississippi | 158 | $ 27,320,000 | $ 172,000 | $ 159,000 |
| Winston County Alabama | 119 | $ 9,335,000 | $ 78,000 | $ 84,000 |
| Oktibbeha County Mississippi | 97 | $ 19,965,000 | $ 205,000 | $ 128,000 |
| Madison County Mississippi | 58 | $ 15,010,000 | $ 258,000 | $ 321,000 |
| Rankin County Mississippi | 53 | $ 19,755,000 | $ 372,000 | $ 130,000 |
| Lamar County Mississippi | 48 | $ 16,160,000 | $ 336,000 | $ 157,000 |
| Hinds County Mississippi | 41 | $ 5,685,000 | $ 138,000 | $ 103,000 |
| Walker County Alabama | 40 | $ 3,970,000 | $ 99,000 | $ 69,000 |
| Newton County Mississippi | 37 | $ 2,395,000 | $ 64,000 | $ 90,000 |
| Noxubee County Mississippi | 37 | $ 2,305,000 | $ 62,000 | $ 82,000 |
| Forrest County Mississippi | 35 | $ 9,945,000 | $ 284,000 | $ 92,000 |
| Clay County Mississippi | 30 | $ 3,550,000 | $ 118,000 | $ 133,000 |
| Pickens County Alabama | 29 | $ 2,275,000 | $ 78,000 | $ 79,000 |
| Marion County Alabama | 23 | $ 1,335,000 | $ 58,000 | $ 53,000 |
| Lafayette County Mississippi | 23 | $ 10,765,000 | $ 468,000 | $ 508,000 |
| Jefferson County Alabama | 19 | $ 5,355,000 | $ 281,000 | $ 202,000 |
| Jasper County Mississippi | 14 | $ 1,420,000 | $ 101,000 | $ 140,000 |
| Cullman County Alabama | 13 | $ 1,705,000 | $ 131,000 | $ 150,000 |
| Lee County Mississippi | 13 | $ 2,565,000 | $ 197,000 | $ 151,000 |
| Winston County Mississippi | 10 | $ 1,010,000 | $ 101,000 | $ 372,000 |
| Baldwin County Alabama | 9 | $ 4,615,000 | $ 512,000 | $ 409,000 |
| Webster County Mississippi | 9 | $ 1,195,000 | $ 132,000 | $ 83,000 |
| Harrison County Mississippi | 8 | $ 8,840,000 | $ 1,105,000 | $ 124,000 |
| Fayette County Alabama | 6 | $ 800,000 | $ 133,000 | $ 76,000 |
| Shelby County Alabama | 6 | $ 1,880,000 | $ 313,000 | $ 144,000 |
| Walton County Florida | 6 | $ 4,390,000 | $ 731,000 | $ 985,000 |
| Kemper County Mississippi | 6 | $ 860,000 | $ 143,000 | $ 338,000 |
| Hale County Alabama | 5 | $ 1,185,000 | $ 237,000 | $ 56,000 |
| Jones County Mississippi | 5 | $ 885,000 | $ 177,000 | $ 122,000 |
| Monroe County Mississippi | 5 | $ 615,000 | $ 123,000 | $ 73,000 |
| Scott County Mississippi | 5 | $ 515,000 | $ 103,000 | $ 62,000 |
| Franklin County Alabama | 4 | $ 170,000 | $ 42,000 | $ 52,000 |
| Choctaw County Mississippi | 4 | $ 460,000 | $ 115,000 | $ 64,000 |
| Hancock County Mississippi | 4 | $ 980,000 | $ 245,000 | $ 143,000 |
| Lauderdale County Alabama | 3 | $ 575,000 | $ 191,000 | $ 102,000 |
| Jackson County Mississippi | 3 | $ 485,000 | $ 161,000 | $ 151,000 |
| Greene County Alabama | 2 | $ 100,000 | $ 50,000 | $ 67,000 |
| Lamar County Alabama | 2 | $ 200,000 | $ 100,000 | $ 104,000 |
| Morgan County Alabama | 2 | $ 360,000 | $ 180,000 | $ 78,000 |
| Santa Rosa County Florida | 2 | $ 760,000 | $ 380,000 | $ 153,000 |
| Attala County Mississippi | 2 | $ 810,000 | $ 405,000 | $ 177,000 |
| Itawamba County Mississippi | 2 | $ 520,000 | $ 260,000 | $ 167,000 |
| Lauderdale County Mississippi | 2 | $ 510,000 | $ 255,000 | $ 162,000 |
| Perry County Mississippi | 2 | $ 200,000 | $ 100,000 | $ 98,000 |
| Autauga County Alabama | 1 | $ 305,000 | $ 305,000 | $ 102,000 |
| Bibb County Alabama | 1 | $ 355,000 | $ 355,000 | $ 165,000 |
| Blount County Alabama | 1 | $ 305,000 | $ 305,000 | $ 85,000 |
| Dallas County Alabama | 1 | $ 235,000 | $ 235,000 | $ 127,000 |
| Elmore County Alabama | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Madison County Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Marshall County Alabama | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Bay County Florida | 1 | $ 245,000 | $ 245,000 | $ 165,000 |
| Escambia County Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Lake County Florida | 1 | $ 415,000 | $ 415,000 | $ 111,000 |
| Martin County Florida | 1 | $ 645,000 | $ 645,000 | $ 240,000 |
| Chattooga County Georgia | 1 | $ 505,000 | $ 505,000 | $ 152,000 |
| Dougherty County Georgia | 1 | $ 125,000 | $ 125,000 | $ 278,000 |
| East Baton Rouge County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 206,000 |
| Chickasaw County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 129,000 |
| Clarke County Mississippi | 1 | $ 605,000 | $ 605,000 | $ 146,000 |
| Copiah County Mississippi | 1 | $ 675,000 | $ 675,000 | $ 0 |
| DeSoto County Mississippi | 1 | $ 295,000 | $ 295,000 | $ 127,000 |
| Marion County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Neshoba County Mississippi | 1 | $ 235,000 | $ 235,000 | $ 114,000 |
| Pontotoc County Mississippi | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Tate County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 203,000 |
| Tippah County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Union County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Walthall County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 135,000 |
| Yazoo County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Buncombe County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 99,000 |
| Sampson County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 130,000 |
| Davidson County Tennessee | 1 | $ 1,155,000 | $ 1,155,000 | $ 300,000 |
| Walker County Texas | 1 | $ 265,000 | $ 265,000 | $ 175,000 |
Mortgage Loan Application Detail Totals for Bankfirst Financial Services in 2022
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 | 561 | $154,895,000 | $276,000 | $6,405,000 | $147,000 | $2,443,000 |
| Refinancing | 395 | $73,165,000 | $185,000 | $6,005,000 | $163,000 | $6,786,000 |
| Home Improvement | 148 | $12,960,000 | $87,000 | $1,565,000 | $121,000 | $949,000 |
| Other Purpose | 88 | $6,930,000 | $78,000 | $395,000 | $131,000 | $1,120,000 |
| Cash-out Refinancing | 49 | $11,125,000 | $227,000 | $645,000 | $125,000 | $422,000 |
| 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 | 873 | $154,505,000 | $176,000 | $5,005,000 | $155,000 | $6,786,000 |
| Not applicable | 223 | $81,885,000 | $367,000 | $6,405,000 | $0 | $0 |
| Black or African American | 97 | $10,885,000 | $112,000 | $795,000 | $74,000 | $309,000 |
| Hispanic | 18 | $3,010,000 | $167,000 | $635,000 | $115,000 | $508,000 |
| Asian | 18 | $5,260,000 | $292,000 | $635,000 | $190,000 | $612,000 |
| Not Provided | 8 | $2,620,000 | $327,000 | $1,205,000 | $94,000 | $159,000 |
| American Indian or Alaskan Native | 3 | $575,000 | $191,000 | $385,000 | $100,000 | $158,000 |
| 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) | 1,182 | $246,560,000 | $208,000 | $6,405,000 | $151,000 | $6,786,000 |
| FHA-insured (Federal Housing Administration) | 46 | $8,860,000 | $192,000 | $415,000 | $70,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 10 | $3,290,000 | $329,000 | $545,000 | $121,000 | $309,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $365,000 | $121,000 | $155,000 | $46,000 | $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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,007 | $223,485,000 | $221,000 | $6,405,000 | $163,000 | $6,786,000 |
| Application Withdrawn By Applicant | 117 | $23,415,000 | $200,000 | $1,705,000 | $121,000 | $2,443,000 |
| Application Denied By Financial Institution | 99 | $9,435,000 | $95,000 | $515,000 | $60,000 | $614,000 |
| Application Approved But Not Accepted | 16 | $2,100,000 | $131,000 | $565,000 | $82,000 | $178,000 |
| File Closed For Incompleteness | 2 | $640,000 | $320,000 | $445,000 | $82,000 | $82,000 |
| 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 | 1,142 | $249,640,000 | $218,000 | $6,405,000 | $156,000 | $6,786,000 |
| Credit History | 51 | $3,115,000 | $61,000 | $255,000 | $55,000 | $434,000 |
| Debt-To-Income Ratio | 35 | $4,905,000 | $140,000 | $515,000 | $67,000 | $614,000 |
| Other | 6 | $770,000 | $128,000 | $245,000 | $90,000 | $165,000 |
| Unverifiable Information | 3 | $325,000 | $108,000 | $145,000 | $27,000 | $42,000 |
| Collateral | 2 | $140,000 | $70,000 | $95,000 | $88,000 | $112,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $18,000 | $18,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankfirst Financial Services's 2022 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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with aggregated HMDA statistics today.