Bankplus Mortgage Lending & HMDA Data, 2022

In 2022, Bankplus of Ridgeland, MS reported 3,639 mortgage applications totaling $1.0 billion, down 11% from 2021. The average application was for $281,463, and applicants reported an average income of $183,394. 75% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Jackson, MS (1,469), Memphis, TN-MS-AR (233) and New Orleans-Metairie, LA (231) (applications in parentheses).

Mortgage Company & Address Bankplus
1068 Highland Colony Parkway
Ridgeland, MS 39157
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  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 3,639
Total Mortgage Loan Application Amount $1,024,245,000
Average Mortgage Loan Application Amount $281,463
Highest Mortgage Loan Application Amount $20,405,000
Average Applicant Income $183,394
Highest Applicant Income $7,868,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bankplus filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Bankplus by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Madison, Mississippi 585 $ 172,205,000 $ 294,367 $ 221,000
Hinds, Mississippi 433 $ 111,985,000 $ 258,625 $ 179,000
Rankin, Mississippi 292 $ 67,940,000 $ 232,671 $ 139,000
DeSoto, Mississippi 195 $ 47,105,000 $ 241,564 $ 169,000
Lee, Mississippi 174 $ 42,550,000 $ 244,540 $ 238,000
Orleans, Louisiana 137 $ 119,315,000 $ 870,912 $ 324,000
Pearl River, Mississippi 125 $ 19,625,000 $ 157,000 $ 109,000
Lafayette, Mississippi 101 $ 44,035,000 $ 435,990 $ 341,000
Yazoo, Mississippi 90 $ 10,950,000 $ 121,666 $ 83,000
Lincoln, Mississippi 76 $ 10,820,000 $ 142,368 $ 119,000
Mobile, Alabama 71 $ 18,445,000 $ 259,788 $ 151,000
Grenada, Mississippi 59 $ 7,165,000 $ 121,440 $ 90,000
Lauderdale, Mississippi 57 $ 6,785,000 $ 119,035 $ 128,000
Clarke, Mississippi 55 $ 4,795,000 $ 87,181 $ 122,000
Jefferson, Louisiana 50 $ 20,650,000 $ 413,000 $ 192,000
East Baton Rouge, Louisiana 48 $ 19,670,000 $ 409,791 $ 289,000
Bay, Florida 45 $ 14,985,000 $ 333,000 $ 266,000
Baldwin, Alabama 42 $ 30,380,000 $ 723,333 $ 267,000
Walton, Florida 41 $ 24,435,000 $ 595,975 $ 365,000
Holmes, Mississippi 41 $ 3,285,000 $ 80,121 $ 61,000
St. Tammany, Louisiana 40 $ 11,760,000 $ 294,000 $ 230,000
Marion, Mississippi 40 $ 3,550,000 $ 88,750 $ 94,000
Livingston, Louisiana 39 $ 9,095,000 $ 233,205 $ 135,000
Newton, Mississippi 32 $ 1,900,000 $ 59,375 $ 81,000
Leflore, Mississippi 29 $ 3,015,000 $ 103,965 $ 105,000
Coffee, Alabama 26 $ 5,490,000 $ 211,153 $ 107,000
Pike, Mississippi 26 $ 2,480,000 $ 95,384 $ 79,000
Tangipahoa, Louisiana 25 $ 6,135,000 $ 245,400 $ 233,000
Copiah, Mississippi 24 $ 2,590,000 $ 107,916 $ 128,000
Hancock, Mississippi 23 $ 5,605,000 $ 243,695 $ 164,000
Harrison, Mississippi 23 $ 6,295,000 $ 273,695 $ 177,000
Ascension, Louisiana 21 $ 4,675,000 $ 222,619 $ 139,000
Bolivar, Mississippi 18 $ 2,290,000 $ 127,222 $ 90,000
Wayne, Mississippi 18 $ 2,620,000 $ 145,555 $ 84,000
Shelby, Tennessee 18 $ 6,060,000 $ 336,666 $ 223,000
Geneva, Alabama 17 $ 2,395,000 $ 140,882 $ 90,000
Houston, Alabama 17 $ 2,775,000 $ 163,235 $ 135,000
Okaloosa, Florida 17 $ 10,615,000 $ 624,411 $ 278,000
Jefferson, Alabama 15 $ 6,625,000 $ 441,666 $ 255,000
Pointe Coupee, Louisiana 15 $ 785,000 $ 52,333 $ 94,000
Humphreys, Mississippi 15 $ 1,185,000 $ 79,000 $ 98,000
Itawamba, Mississippi 15 $ 2,685,000 $ 179,000 $ 213,000
Oktibbeha, Mississippi 15 $ 4,115,000 $ 274,333 $ 210,000
Lawrence, Mississippi 14 $ 1,080,000 $ 77,142 $ 137,000
Warren, Mississippi 13 $ 2,905,000 $ 223,461 $ 131,000
Jasper, Mississippi 11 $ 1,585,000 $ 144,090 $ 56,000
Marshall, Mississippi 11 $ 2,975,000 $ 270,454 $ 122,000
Tallahatchie, Mississippi 11 $ 1,135,000 $ 103,181 $ 116,000
Montgomery, Mississippi 10 $ 1,320,000 $ 132,000 $ 98,000
Escambia, Florida 9 $ 4,165,000 $ 462,777 $ 266,000
Carroll, Mississippi 9 $ 1,025,000 $ 113,888 $ 104,000
Jackson, Mississippi 9 $ 2,555,000 $ 283,888 $ 184,000
Lamar, Mississippi 9 $ 3,515,000 $ 390,555 $ 212,000
Scott, Mississippi 9 $ 625,000 $ 69,444 $ 65,000
Pontotoc, Mississippi 8 $ 1,410,000 $ 176,250 $ 118,000
Walthall, Mississippi 8 $ 860,000 $ 107,500 $ 95,000
Yalobusha, Mississippi 8 $ 1,160,000 $ 145,000 $ 94,000
St. Landry, Louisiana 7 $ 395,000 $ 56,428 $ 186,000
Attala, Mississippi 7 $ 485,000 $ 69,285 $ 72,000
Forrest, Mississippi 7 $ 1,715,000 $ 245,000 $ 176,000
Monroe, Mississippi 7 $ 1,555,000 $ 222,142 $ 93,000
Sunflower, Mississippi 7 $ 755,000 $ 107,857 $ 93,000
Panola, Mississippi 6 $ 1,390,000 $ 231,666 $ 242,000
Sharkey, Mississippi 6 $ 5,730,000 $ 955,000 $ 40,000
Tate, Mississippi 6 $ 880,000 $ 146,666 $ 149,000
Santa Rosa, Florida 5 $ 4,065,000 $ 813,000 $ 303,000
Amite, Mississippi 5 $ 295,000 $ 59,000 $ 119,000
Jefferson Davis, Mississippi 5 $ 475,000 $ 95,000 $ 104,000
Jones, Mississippi 5 $ 1,985,000 $ 397,000 $ 40,000
Union, Mississippi 5 $ 925,000 $ 185,000 $ 115,000
Williamson, Tennessee 5 $ 3,965,000 $ 793,000 $ 638,000
Dale, Alabama 4 $ 1,100,000 $ 275,000 $ 101,000
Tuscaloosa, Alabama 4 $ 890,000 $ 222,500 $ 135,000
Winston, Alabama 4 $ 2,530,000 $ 632,500 $ 311,000
Lafayette, Louisiana 4 $ 1,570,000 $ 392,500 $ 392,000
Alcorn, Mississippi 4 $ 1,970,000 $ 492,500 $ 428,000
Chickasaw, Mississippi 4 $ 520,000 $ 130,000 $ 72,000
Franklin, Mississippi 4 $ 1,180,000 $ 295,000 $ 111,000
Simpson, Mississippi 4 $ 190,000 $ 47,500 $ 76,000
Washington, Mississippi 4 $ 460,000 $ 115,000 $ 115,000
Dallas, Texas 4 $ 1,350,000 $ 337,500 $ 114,000
Harris, Texas 4 $ 2,310,000 $ 577,500 $ 237,000
Henry, Alabama 3 $ 935,000 $ 311,666 $ 205,000
Morgan, Alabama 3 $ 695,000 $ 231,666 $ 0
Shelby, Alabama 3 $ 855,000 $ 285,000 $ 202,000
Washington, Florida 3 $ 525,000 $ 175,000 $ 78,000
Cherokee, Georgia 3 $ 1,515,000 $ 505,000 $ 0
St. Bernard, Louisiana 3 $ 755,000 $ 251,666 $ 0
George, Mississippi 3 $ 775,000 $ 258,333 $ 95,000
Prentiss, Mississippi 3 $ 605,000 $ 201,666 $ 95,000
Covington, Alabama 2 $ 150,000 $ 75,000 $ 90,000
Talladega, Alabama 2 $ 1,660,000 $ 830,000 $ 768,000
Miami-Dade, Florida 2 $ 500,000 $ 250,000 $ 105,000
Palm Beach, Florida 2 $ 1,160,000 $ 580,000 $ 677,000
Bartow, Georgia 2 $ 530,000 $ 265,000 $ 243,000
DeKalb, Georgia 2 $ 2,190,000 $ 1,095,000 $ 452,000
Warren, Kentucky 2 $ 470,000 $ 235,000 $ 514,000
Calcasieu, Louisiana 2 $ 650,000 $ 325,000 $ 0
Tensas, Louisiana 2 $ 900,000 $ 450,000 $ 510,000
Terrebonne, Louisiana 2 $ 240,000 $ 120,000 $ 373,000
Calhoun, Mississippi 2 $ 180,000 $ 90,000 $ 117,000
Claiborne, Mississippi 2 $ 210,000 $ 105,000 $ 56,000
Lowndes, Mississippi 2 $ 680,000 $ 340,000 $ 150,000
Neshoba, Mississippi 2 $ 290,000 $ 145,000 $ 33,000
Smith, Mississippi 2 $ 120,000 $ 60,000 $ 63,000
Stone, Mississippi 2 $ 170,000 $ 85,000 $ 173,000
Tishomingo, Mississippi 2 $ 910,000 $ 455,000 $ 253,000
Cumberland, North Carolina 2 $ 170,000 $ 85,000 $ 68,000
Polk, Oregon 2 $ 610,000 $ 305,000 $ 100,000
Greenville, South Carolina 2 $ 1,380,000 $ 690,000 $ 218,000
Pickens, South Carolina 2 $ 800,000 $ 400,000 $ 103,000
Davidson, Tennessee 2 $ 630,000 $ 315,000 $ 376,000
Washington, Tennessee 2 $ 1,120,000 $ 560,000 $ 288,000
Crenshaw, Alabama 1 $ 65,000 $ 65,000 $ 101,000
Cullman, Alabama 1 $ 305,000 $ 305,000 $ 110,000
Madison, Alabama 1 $ 225,000 $ 225,000 $ 0
Marion, Alabama 1 $ 85,000 $ 85,000 $ 57,000
Marshall, Alabama 1 $ 255,000 $ 255,000 $ 0
Pike, Alabama 1 $ 75,000 $ 75,000 $ 130,000
St. Clair, Alabama 1 $ 305,000 $ 305,000 $ 106,000
Tallapoosa, Alabama 1 $ 305,000 $ 305,000 $ 1,248,000
Chicot, Arkansas 1 $ 2,005,000 $ 2,005,000 $ 0
Izard, Arkansas 1 $ 235,000 $ 235,000 $ 184,000
Monroe, Arkansas 1 $ 215,000 $ 215,000 $ 0
Pulaski, Arkansas 1 $ 165,000 $ 165,000 $ 62,000
Denver, Colorado 1 $ 485,000 $ 485,000 $ 156,000
Garfield, Colorado 1 $ 855,000 $ 855,000 $ 374,000
Duval, Florida 1 $ 395,000 $ 395,000 $ 107,000
Jackson, Florida 1 $ 235,000 $ 235,000 $ 67,000
Monroe, Florida 1 $ 645,000 $ 645,000 $ 325,000
Orange, Florida 1 $ 825,000 $ 825,000 $ 1,236,000
St. Johns, Florida 1 $ 1,755,000 $ 1,755,000 $ 2,418,000
Cobb, Georgia 1 $ 1,055,000 $ 1,055,000 $ 0
Fannin, Georgia 1 $ 495,000 $ 495,000 $ 0
Fulton, Georgia 1 $ 1,005,000 $ 1,005,000 $ 374,000
Elk, Kansas 1 $ 325,000 $ 325,000 $ 389,000
Acadia, Louisiana 1 $ 35,000 $ 35,000 $ 109,000
Caddo, Louisiana 1 $ 345,000 $ 345,000 $ 107,000
East Feliciana, Louisiana 1 $ 85,000 $ 85,000 $ 303,000
Evangeline, Louisiana 1 $ 55,000 $ 55,000 $ 96,000
Lafourche, Louisiana 1 $ 325,000 $ 325,000 $ 156,000
Ouachita, Louisiana 1 $ 505,000 $ 505,000 $ 502,000
Sabine, Louisiana 1 $ 35,000 $ 35,000 $ 40,000
St. John the Baptist, Louisiana 1 $ 145,000 $ 145,000 $ 50,000
St. Martin, Louisiana 1 $ 65,000 $ 65,000 $ 194,000
Vermilion, Louisiana 1 $ 335,000 $ 335,000 $ 164,000
West Baton Rouge, Louisiana 1 $ 65,000 $ 65,000 $ 99,000
West Feliciana, Louisiana 1 $ 85,000 $ 85,000 $ 207,000
Adams, Mississippi 1 $ 105,000 $ 105,000 $ 314,000
Clay, Mississippi 1 $ 225,000 $ 225,000 $ 887,000
Covington, Mississippi 1 $ 75,000 $ 75,000 $ 52,000
Greene, Mississippi 1 $ 55,000 $ 55,000 $ 71,000
Kemper, Mississippi 1 $ 45,000 $ 45,000 $ 97,000
Leake, Mississippi 1 $ 55,000 $ 55,000 $ 93,000
Tunica, Mississippi 1 $ 65,000 $ 65,000 $ 210,000
Gallatin, Montana 1 $ 805,000 $ 805,000 $ 967,000
Yellowstone, Montana 1 $ 335,000 $ 335,000 $ 117,000
Burke, North Carolina 1 $ 755,000 $ 755,000 $ 617,000
Forsyth, North Carolina 1 $ 545,000 $ 545,000 $ 65,000
Rutherford, North Carolina 1 $ 105,000 $ 105,000 $ 292,000
Fayette, Tennessee 1 $ 415,000 $ 415,000 $ 114,000
Hamilton, Tennessee 1 $ 13,255,000 $ 13,255,000 $ 0
Sevier, Tennessee 1 $ 575,000 $ 575,000 $ 0
Tipton, Tennessee 1 $ 245,000 $ 245,000 $ 0
Brazos, Texas 1 $ 175,000 $ 175,000 $ 65,000
Collin, Texas 1 $ 395,000 $ 395,000 $ 146,000
Randall, Texas 1 $ 625,000 $ 625,000 $ 700,000
San Augustine, Texas 1 $ 545,000 $ 545,000 $ 253,000
Williamson, Texas 1 $ 495,000 $ 495,000 $ 173,000
Kane, Utah 1 $ 505,000 $ 505,000 $ 364,000
Teton, Wyoming 1 $ 205,000 $ 205,000 $ 309,000

Mortgage Loan Application Detail Totals for Bankplus 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 1,758 $654,070,000 $372,000 $20,405,000 $189,000 $7,868,000
Refinancing 1,086 $275,160,000 $253,000 $16,625,000 $191,000 $3,617,000
Home Improvement 438 $38,000,000 $86,000 $1,645,000 $152,000 $1,269,000
Other Purpose 273 $30,735,000 $112,000 $1,005,000 $174,000 $2,537,000
Cash-out Refinancing 84 $26,280,000 $312,000 $1,285,000 $162,000 $936,000
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 2,387 $574,955,000 $240,000 $2,505,000 $197,000 $7,868,000
Black or African American 458 $65,020,000 $141,000 $1,915,000 $92,000 $909,000
Not applicable 434 $271,190,000 $624,000 $20,405,000 $0 $0
Not Provided 241 $80,715,000 $334,000 $1,955,000 $228,000 $3,301,000
Hispanic 53 $13,025,000 $245,000 $795,000 $141,000 $713,000
Asian 50 $15,020,000 $300,000 $2,005,000 $192,000 $881,000
American Indian or Alaskan Native 4 $1,730,000 $432,000 $585,000 $133,000 $219,000
Native Hawaiian or Other Pacific Islander 1 $405,000 $405,000 $405,000 $184,000 $184,000

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) 3,488 $991,550,000 $284,000 $20,405,000 $188,000 $7,868,000
FHA-insured (Federal Housing Administration) 117 $23,265,000 $198,000 $475,000 $68,000 $357,000
VA-guaranteed (Veterans Administration) 24 $7,540,000 $314,000 $635,000 $117,000 $228,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10 $1,890,000 $189,000 $265,000 $68,000 $94,000

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 2,733 $789,355,000 $288,000 $20,405,000 $196,000 $7,868,000
Application Approved But Not Accepted 530 $168,070,000 $317,000 $2,505,000 $183,000 $3,042,000
Application Denied By Financial Institution 327 $54,695,000 $167,000 $1,875,000 $94,000 $967,000
Application Withdrawn By Applicant 34 $11,250,000 $330,000 $3,175,000 $139,000 $242,000
File Closed For Incompleteness 15 $875,000 $58,000 $255,000 $54,000 $163,000
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 3,312 $969,550,000 $292,000 $20,405,000 $193,000 $7,868,000
Debt-To-Income Ratio 160 $28,380,000 $177,000 $1,875,000 $83,000 $967,000
Credit History 108 $12,780,000 $118,000 $1,605,000 $93,000 $768,000
Other 34 $8,980,000 $264,000 $885,000 $125,000 $748,000
Collateral 14 $1,620,000 $115,000 $275,000 $85,000 $204,000
Insufficient Cash (Downpayment, Closing Cost) 8 $2,260,000 $282,000 $645,000 $215,000 $600,000
Employment History 2 $460,000 $230,000 $275,000 $48,000 $60,000
Credit Application Incomplete 1 $215,000 $215,000 $215,000 $72,000 $72,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankplus'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 Bankplus'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.

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