Bankplus Mortgage Lending & HMDA Data, 2023

In 2023, Bankplus of Ridgeland, MS reported 3,593 mortgage applications totaling $981.7 million, down 1% from 2022. The average application was for $273,227, and applicants reported an average income of $197,527. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Jackson, MS (1,123), New Orleans-Metairie, LA (246) and Crestview-Fort Walton Beach-Destin, FL (179) (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 3,593
Total Mortgage Loan Application Amount $981,705,000
Average Mortgage Loan Application Amount $273,227
Highest Mortgage Loan Application Amount $14,455,000
Average Applicant Income $197,527
Highest Applicant Income $4,050,000

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Disclosure Act (HMDA) records Bankplus filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Madison, Mississippi 387 $ 103,615,000 $ 267,739 $ 243,000
Hinds, Mississippi 363 $ 65,835,000 $ 181,363 $ 143,000
Rankin, Mississippi 243 $ 42,225,000 $ 173,765 $ 137,000
Lafayette, Mississippi 225 $ 73,865,000 $ 328,288 $ 385,000
Lee, Mississippi 166 $ 30,870,000 $ 185,963 $ 141,000
DeSoto, Mississippi 137 $ 31,615,000 $ 230,766 $ 164,000
Orleans, Louisiana 119 $ 61,265,000 $ 514,831 $ 357,000
Pearl River, Mississippi 115 $ 17,415,000 $ 151,434 $ 127,000
Bay, Florida 109 $ 34,145,000 $ 313,256 $ 223,000
Mobile, Alabama 105 $ 30,735,000 $ 292,714 $ 132,000
Walton, Florida 94 $ 65,230,000 $ 693,936 $ 339,000
Okaloosa, Florida 85 $ 40,285,000 $ 473,941 $ 264,000
Baldwin, Alabama 81 $ 27,085,000 $ 334,382 $ 233,000
Yazoo, Mississippi 80 $ 9,980,000 $ 124,750 $ 116,000
Tangipahoa, Louisiana 78 $ 22,180,000 $ 284,358 $ 119,000
St. Tammany, Louisiana 56 $ 20,160,000 $ 360,000 $ 207,000
Lauderdale, Mississippi 56 $ 5,400,000 $ 96,428 $ 94,000
East Baton Rouge, Louisiana 55 $ 25,175,000 $ 457,727 $ 288,000
Jefferson, Louisiana 54 $ 48,270,000 $ 893,888 $ 190,000
Grenada, Mississippi 50 $ 5,260,000 $ 105,200 $ 111,000
Lincoln, Mississippi 47 $ 3,525,000 $ 75,000 $ 111,000
Livingston, Louisiana 40 $ 7,720,000 $ 193,000 $ 134,000
Clarke, Mississippi 39 $ 3,205,000 $ 82,179 $ 124,000
Holmes, Mississippi 33 $ 1,665,000 $ 50,454 $ 80,000
Leflore, Mississippi 33 $ 2,305,000 $ 69,848 $ 149,000
Marion, Mississippi 30 $ 1,820,000 $ 60,666 $ 76,000
Coffee, Alabama 27 $ 6,385,000 $ 236,481 $ 141,000
Newton, Mississippi 27 $ 2,145,000 $ 79,444 $ 72,000
Bolivar, Mississippi 26 $ 4,910,000 $ 188,846 $ 95,000
Harrison, Mississippi 22 $ 3,610,000 $ 164,090 $ 151,000
Humphreys, Mississippi 22 $ 1,900,000 $ 86,363 $ 93,000
Oktibbeha, Mississippi 20 $ 6,360,000 $ 318,000 $ 301,000
Jefferson, Alabama 19 $ 8,445,000 $ 444,473 $ 223,000
Geneva, Alabama 17 $ 1,915,000 $ 112,647 $ 142,000
Santa Rosa, Florida 17 $ 7,745,000 $ 455,588 $ 175,000
Pike, Mississippi 17 $ 1,125,000 $ 66,176 $ 103,000
Escambia, Florida 16 $ 9,770,000 $ 610,625 $ 516,000
Hancock, Mississippi 16 $ 4,470,000 $ 279,375 $ 110,000
Marshall, Mississippi 16 $ 2,890,000 $ 180,625 $ 128,000
Pointe Coupee, Louisiana 15 $ 1,205,000 $ 80,333 $ 157,000
Wayne, Mississippi 15 $ 1,755,000 $ 117,000 $ 158,000
Ascension, Louisiana 14 $ 9,130,000 $ 652,142 $ 160,000
Yalobusha, Mississippi 14 $ 1,910,000 $ 136,428 $ 106,000
Copiah, Mississippi 13 $ 1,335,000 $ 102,692 $ 93,000
Itawamba, Mississippi 13 $ 1,825,000 $ 140,384 $ 120,000
Lawrence, Mississippi 13 $ 675,000 $ 51,923 $ 56,000
Jackson, Mississippi 11 $ 3,485,000 $ 316,818 $ 226,000
Shelby, Tennessee 11 $ 5,065,000 $ 460,454 $ 195,000
Leake, Mississippi 10 $ 970,000 $ 97,000 $ 129,000
Panola, Mississippi 10 $ 2,870,000 $ 287,000 $ 345,000
Tate, Mississippi 10 $ 1,920,000 $ 192,000 $ 87,000
Union, Mississippi 10 $ 1,090,000 $ 109,000 $ 74,000
Washington, Mississippi 10 $ 2,540,000 $ 254,000 $ 202,000
Houston, Alabama 9 $ 7,125,000 $ 791,666 $ 159,000
St. Landry, Louisiana 9 $ 635,000 $ 70,555 $ 559,000
Carroll, Mississippi 9 $ 1,105,000 $ 122,777 $ 103,000
Tallahatchie, Mississippi 9 $ 715,000 $ 79,444 $ 112,000
Lafayette, Louisiana 8 $ 14,770,000 $ 1,846,250 $ 541,000
Henry, Alabama 7 $ 1,975,000 $ 282,142 $ 150,000
St. Charles, Louisiana 7 $ 925,000 $ 132,142 $ 129,000
Sunflower, Mississippi 7 $ 365,000 $ 52,142 $ 66,000
Warren, Mississippi 7 $ 2,745,000 $ 392,142 $ 286,000
Alcorn, Mississippi 6 $ 3,910,000 $ 651,666 $ 314,000
St. Bernard, Louisiana 5 $ 925,000 $ 185,000 $ 76,000
Washington, Louisiana 5 $ 795,000 $ 159,000 $ 104,000
Forrest, Mississippi 5 $ 1,875,000 $ 375,000 $ 375,000
Lamar, Mississippi 5 $ 1,715,000 $ 343,000 $ 274,000
Pontotoc, Mississippi 5 $ 1,035,000 $ 207,000 $ 93,000
St. John the Baptist, Louisiana 4 $ 3,510,000 $ 877,500 $ 226,000
West Baton Rouge, Louisiana 4 $ 520,000 $ 130,000 $ 76,000
Clay, Mississippi 4 $ 1,100,000 $ 275,000 $ 194,000
Montgomery, Mississippi 4 $ 310,000 $ 77,500 $ 193,000
Simpson, Mississippi 4 $ 500,000 $ 125,000 $ 102,000
Tishomingo, Mississippi 4 $ 820,000 $ 205,000 $ 128,000
Williamson, Tennessee 4 $ 4,090,000 $ 1,022,500 $ 586,000
Harris, Texas 4 $ 2,180,000 $ 545,000 $ 597,000
Jackson, Florida 3 $ 515,000 $ 171,666 $ 325,000
Clarke, Georgia 3 $ 985,000 $ 328,333 $ 0
Cobb, Georgia 3 $ 965,000 $ 321,666 $ 253,000
Attala, Mississippi 3 $ 205,000 $ 68,333 $ 86,000
Chickasaw, Mississippi 3 $ 395,000 $ 131,666 $ 56,000
Lowndes, Mississippi 3 $ 705,000 $ 235,000 $ 91,000
Neshoba, Mississippi 3 $ 295,000 $ 98,333 $ 545,000
Davidson, Tennessee 3 $ 5,495,000 $ 1,831,666 $ 823,000
Rutherford, Tennessee 3 $ 945,000 $ 315,000 $ 277,000
Sumner, Tennessee 3 $ 1,145,000 $ 381,666 $ 249,000
Clarke, Alabama 2 $ 310,000 $ 155,000 $ 152,000
Lee, Alabama 2 $ 230,000 $ 115,000 $ 313,000
Marion, Alabama 2 $ 150,000 $ 75,000 $ 65,000
Tuscaloosa, Alabama 2 $ 320,000 $ 160,000 $ 146,000
Duval, Florida 2 $ 780,000 $ 390,000 $ 133,000
Fulton, Georgia 2 $ 2,250,000 $ 1,125,000 $ 1,380,000
Acadia, Louisiana 2 $ 630,000 $ 315,000 $ 206,000
Amite, Mississippi 2 $ 150,000 $ 75,000 $ 112,000
Benton, Mississippi 2 $ 260,000 $ 130,000 $ 235,000
Calhoun, Mississippi 2 $ 50,000 $ 25,000 $ 79,000
Coahoma, Mississippi 2 $ 130,000 $ 65,000 $ 93,000
Franklin, Mississippi 2 $ 270,000 $ 135,000 $ 122,000
George, Mississippi 2 $ 490,000 $ 245,000 $ 69,000
Jones, Mississippi 2 $ 420,000 $ 210,000 $ 56,000
Kemper, Mississippi 2 $ 90,000 $ 45,000 $ 98,000
Prentiss, Mississippi 2 $ 170,000 $ 85,000 $ 41,000
Smith, Mississippi 2 $ 110,000 $ 55,000 $ 57,000
Stone, Mississippi 2 $ 270,000 $ 135,000 $ 86,000
Tippah, Mississippi 2 $ 110,000 $ 55,000 $ 127,000
Walthall, Mississippi 2 $ 140,000 $ 70,000 $ 256,000
Webster, Mississippi 2 $ 160,000 $ 80,000 $ 121,000
Winston, Mississippi 2 $ 70,000 $ 35,000 $ 41,000
Fayette, Tennessee 2 $ 600,000 $ 300,000 $ 309,000
Travis, Texas 2 $ 840,000 $ 420,000 $ 231,000
Colbert, Alabama 1 $ 875,000 $ 875,000 $ 1,721,000
Dale, Alabama 1 $ 285,000 $ 285,000 $ 80,000
Morgan, Alabama 1 $ 165,000 $ 165,000 $ 0
Pike, Alabama 1 $ 155,000 $ 155,000 $ 273,000
Shelby, Alabama 1 $ 165,000 $ 165,000 $ 110,000
St. Clair, Alabama 1 $ 105,000 $ 105,000 $ 233,000
Washington, Alabama 1 $ 25,000 $ 25,000 $ 101,000
Winston, Alabama 1 $ 475,000 $ 475,000 $ 833,000
Maricopa, Arizona 1 $ 305,000 $ 305,000 $ 0
Pulaski, Arkansas 1 $ 235,000 $ 235,000 $ 100,000
Washington, Arkansas 1 $ 405,000 $ 405,000 $ 0
Alachua, Florida 1 $ 645,000 $ 645,000 $ 319,000
Calhoun, Florida 1 $ 415,000 $ 415,000 $ 89,000
Hillsborough, Florida 1 $ 205,000 $ 205,000 $ 531,000
Lee, Florida 1 $ 255,000 $ 255,000 $ 203,000
Osceola, Florida 1 $ 335,000 $ 335,000 $ 214,000
Pinellas, Florida 1 $ 455,000 $ 455,000 $ 200,000
DeKalb, Georgia 1 $ 205,000 $ 205,000 $ 70,000
Dooly, Georgia 1 $ 225,000 $ 225,000 $ 234,000
Fayette, Georgia 1 $ 355,000 $ 355,000 $ 229,000
Gordon, Georgia 1 $ 175,000 $ 175,000 $ 60,000
Gwinnett, Georgia 1 $ 285,000 $ 285,000 $ 79,000
Spalding, Georgia 1 $ 205,000 $ 205,000 $ 47,000
Sangamon, Illinois 1 $ 825,000 $ 825,000 $ 550,000
Concordia, Louisiana 1 $ 25,000 $ 25,000 $ 107,000
East Feliciana, Louisiana 1 $ 565,000 $ 565,000 $ 251,000
Iberville, Louisiana 1 $ 115,000 $ 115,000 $ 142,000
Natchitoches, Louisiana 1 $ 65,000 $ 65,000 $ 230,000
Plaquemines, Louisiana 1 $ 695,000 $ 695,000 $ 0
St. Helena, Louisiana 1 $ 125,000 $ 125,000 $ 86,000
St. Mary, Louisiana 1 $ 1,605,000 $ 1,605,000 $ 1,888,000
Terrebonne, Louisiana 1 $ 375,000 $ 375,000 $ 330,000
West Feliciana, Louisiana 1 $ 185,000 $ 185,000 $ 425,000
Carroll, Maryland 1 $ 425,000 $ 425,000 $ 187,000
Somerset, Maryland 1 $ 95,000 $ 95,000 $ 215,000
Adams, Mississippi 1 $ 175,000 $ 175,000 $ 83,000
Choctaw, Mississippi 1 $ 305,000 $ 305,000 $ 185,000
Claiborne, Mississippi 1 $ 75,000 $ 75,000 $ 195,000
Covington, Mississippi 1 $ 15,000 $ 15,000 $ 47,000
Jasper, Mississippi 1 $ 25,000 $ 25,000 $ 62,000
Monroe, Mississippi 1 $ 45,000 $ 45,000 $ 52,000
Quitman, Mississippi 1 $ 65,000 $ 65,000 $ 32,000
Scott, Mississippi 1 $ 405,000 $ 405,000 $ 160,000
Wilkinson, Mississippi 1 $ 75,000 $ 75,000 $ 0
Clay, Missouri 1 $ 105,000 $ 105,000 $ 480,000
St. Louis City, Missouri 1 $ 305,000 $ 305,000 $ 495,000
Gloucester, New Jersey 1 $ 385,000 $ 385,000 $ 221,000
Avery, North Carolina 1 $ 485,000 $ 485,000 $ 611,000
Johnston, North Carolina 1 $ 285,000 $ 285,000 $ 0
Tulsa, Oklahoma 1 $ 655,000 $ 655,000 $ 700,000
Greenville, South Carolina 1 $ 725,000 $ 725,000 $ 295,000
Horry, South Carolina 1 $ 85,000 $ 85,000 $ 12,000
Spartanburg, South Carolina 1 $ 155,000 $ 155,000 $ 325,000
Bedford, Tennessee 1 $ 635,000 $ 635,000 $ 603,000
Cheatham, Tennessee 1 $ 315,000 $ 315,000 $ 75,000
Hamilton, Tennessee 1 $ 455,000 $ 455,000 $ 516,000
Hardin, Tennessee 1 $ 225,000 $ 225,000 $ 1,721,000
Knox, Tennessee 1 $ 895,000 $ 895,000 $ 350,000
Sevier, Tennessee 1 $ 725,000 $ 725,000 $ 282,000
Chambers, Texas 1 $ 205,000 $ 205,000 $ 99,000
Dallas, Texas 1 $ 1,875,000 $ 1,875,000 $ 551,000
Galveston, Texas 1 $ 305,000 $ 305,000 $ 0
Smith, Texas 1 $ 615,000 $ 615,000 $ 480,000
Tarrant, Texas 1 $ 655,000 $ 655,000 $ 291,000
Summit, Utah 1 $ 3,955,000 $ 3,955,000 $ 1,756,000
Roanoke, Virginia 1 $ 725,000 $ 725,000 $ 749,000
Stafford, Virginia 1 $ 725,000 $ 725,000 $ 559,000
Teton, Wyoming 1 $ 305,000 $ 305,000 $ 283,000

Mortgage Loan Application Detail Totals for Bankplus in 2023

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 1,966 $694,400,000 $353,000 $14,005,000 $215,000 $4,050,000
Refinancing 860 $198,610,000 $230,000 $14,455,000 $189,000 $3,948,000
Home Improvement 465 $46,645,000 $100,000 $2,235,000 $168,000 $2,534,000
Other Purpose 257 $25,645,000 $99,000 $1,755,000 $151,000 $1,212,000
Cash-out Refinancing 45 $16,405,000 $364,000 $2,525,000 $168,000 $937,000
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 2,277 $580,265,000 $254,000 $3,955,000 $211,000 $4,050,000
Black or African American 487 $70,025,000 $143,000 $2,815,000 $107,000 $1,479,000
Not applicable 433 $204,075,000 $471,000 $14,455,000 $0 $0
Not Provided 269 $93,765,000 $348,000 $3,005,000 $245,000 $2,536,000
Asian 59 $16,835,000 $285,000 $1,875,000 $203,000 $2,534,000
Hispanic 51 $11,315,000 $221,000 $1,405,000 $182,000 $1,086,000
American Indian or Alaskan Native 5 $2,285,000 $457,000 $925,000 $137,000 $240,000
Native Hawaiian or Other Pacific Islander 1 $215,000 $215,000 $215,000 $8,000 $8,000

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) 3,361 $915,845,000 $272,000 $14,455,000 $205,000 $4,050,000
FHA-insured (Federal Housing Administration) 156 $36,400,000 $233,000 $485,000 $81,000 $228,000
VA-guaranteed (Veterans Administration) 60 $25,940,000 $432,000 $1,135,000 $134,000 $352,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $3,520,000 $220,000 $325,000 $80,000 $108,000

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 2,556 $668,940,000 $261,000 $14,005,000 $210,000 $4,050,000
Application Approved But Not Accepted 596 $221,760,000 $372,000 $14,455,000 $210,000 $1,888,000
Application Denied By Financial Institution 386 $76,180,000 $197,000 $2,525,000 $106,000 $937,000
Application Withdrawn By Applicant 39 $13,995,000 $358,000 $1,605,000 $297,000 $807,000
File Closed For Incompleteness 16 $830,000 $51,000 $185,000 $75,000 $357,000
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 3,207 $905,525,000 $282,000 $14,455,000 $210,000 $4,050,000
Debt-To-Income Ratio 208 $40,190,000 $193,000 $1,755,000 $82,000 $313,000
Credit History 103 $13,165,000 $127,000 $1,565,000 $99,000 $465,000
Other 40 $13,630,000 $340,000 $2,525,000 $201,000 $937,000
Collateral 23 $5,555,000 $241,000 $735,000 $183,000 $600,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,965,000 $280,000 $705,000 $90,000 $147,000
Unverifiable Information 5 $1,675,000 $335,000 $715,000 $187,000 $284,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankplus's 2023 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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