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Disclosure Act (HMDA) records Bankplus filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,135 | $ 209,855,000 | $ 184,894 | $ 185,380 |
| Jackson, MS | 1,123 | $ 225,155,000 | $ 200,494 | $ 173,000 |
| New Orleans-Metairie, LA | 246 | $ 135,750,000 | $ 551,829 | $ 279,000 |
| Crestview-Fort Walton Beach-Destin, FL | 179 | $ 105,515,000 | $ 589,469 | $ 301,000 |
| Memphis, TN-MS-AR | 176 | $ 42,090,000 | $ 239,147 | $ 160,579 |
| Baton Rouge, LA | 132 | $ 44,740,000 | $ 338,939 | $ 195,000 |
| Panama City, FL | 109 | $ 34,145,000 | $ 313,256 | $ 223,000 |
| Mobile, AL | 106 | $ 30,760,000 | $ 290,188 | $ 132,000 |
| Daphne-Fairhope-Foley, AL | 81 | $ 27,085,000 | $ 334,382 | $ 233,000 |
| Hammond, LA | 78 | $ 22,180,000 | $ 284,358 | $ 119,000 |
| Gulfport-Biloxi-Pascagoula, MS | 51 | $ 11,835,000 | $ 232,058 | $ 151,000 |
| Dothan, AL | 33 | $ 11,015,000 | $ 333,787 | $ 147,000 |
| Pensacola-Ferry Pass-Brent, FL | 33 | $ 17,515,000 | $ 530,757 | $ 316,000 |
| Birmingham-Hoover, AL | 21 | $ 8,715,000 | $ 415,000 | $ 217,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 11,990,000 | $ 856,428 | $ 476,000 |
| Hattiesburg, MS | 11 | $ 3,605,000 | $ 327,727 | $ 299,000 |
| Lafayette, LA | 10 | $ 15,400,000 | $ 1,540,000 | $ 445,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 4,265,000 | $ 473,888 | $ 461,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 2,690,000 | $ 448,333 | $ 472,000 |
| Athens-Clarke County, GA | 3 | $ 985,000 | $ 328,333 | $ 0 |
| Auburn-Opelika, AL | 2 | $ 230,000 | $ 115,000 | $ 313,000 |
| Austin-Round Rock, TX | 2 | $ 840,000 | $ 420,000 | $ 231,000 |
| Jacksonville, FL | 2 | $ 780,000 | $ 390,000 | $ 133,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 660,000 | $ 330,000 | $ 365,000 |
| Tuscaloosa, AL | 2 | $ 320,000 | $ 160,000 | $ 146,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 425,000 | $ 425,000 | $ 187,000 |
| Camden, NJ | 1 | $ 385,000 | $ 385,000 | $ 221,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 255,000 | $ 255,000 | $ 203,000 |
| Chattanooga, TN-GA | 1 | $ 455,000 | $ 455,000 | $ 516,000 |
| Dallas-Plano-Irving, TX | 1 | $ 1,875,000 | $ 1,875,000 | $ 551,000 |
| Decatur, AL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 875,000 | $ 875,000 | $ 1,721,000 |
| Fort Worth-Arlington, TX | 1 | $ 655,000 | $ 655,000 | $ 291,000 |
| Gainesville, FL | 1 | $ 645,000 | $ 645,000 | $ 319,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 725,000 | $ 725,000 | $ 295,000 |
| Houma-Thibodaux, LA | 1 | $ 375,000 | $ 375,000 | $ 330,000 |
| Kansas City, MO-KS | 1 | $ 105,000 | $ 105,000 | $ 480,000 |
| Knoxville, TN | 1 | $ 895,000 | $ 895,000 | $ 350,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 85,000 | $ 85,000 | $ 12,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 335,000 | $ 335,000 | $ 214,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Raleigh, NC | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Roanoke, VA | 1 | $ 725,000 | $ 725,000 | $ 749,000 |
| Salisbury, MD-DE | 1 | $ 95,000 | $ 95,000 | $ 215,000 |
| Spartanburg, SC | 1 | $ 155,000 | $ 155,000 | $ 325,000 |
| Springfield, IL | 1 | $ 825,000 | $ 825,000 | $ 550,000 |
| St. Louis, MO-IL | 1 | $ 305,000 | $ 305,000 | $ 495,000 |
| Tulsa, OK | 1 | $ 655,000 | $ 655,000 | $ 700,000 |
| Tyler, TX | 1 | $ 615,000 | $ 615,000 | $ 480,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 725,000 | $ 725,000 | $ 559,000 |
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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