First South Farm Credit, Aca
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
First South Farm Credit, Aca 2020 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 | First South Farm Credit, Aca 260 Trace Colony Park Dr Ridgeland, MS 39157 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 120 |
| Total Mortgage Loan Application Amount | $31,130,000 |
| Average Mortgage Loan Application Amount | $229,500 |
| Highest Mortgage Loan Application Amount | $1,615,000 |
| Average Applicant Income | $135,500 |
| Highest Applicant Income | $1,108,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with First South Farm Credit, Aca. 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 First South Farm Credit, Aca's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down First South Farm Credit, Aca'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 First South Farm Credit, Aca serves its applicants.
Each category highlights the total number of mortgage applications processed by First South Farm Credit, Aca, 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 First South Farm Credit, Aca's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Covington County Alabama | 9 | $ 2,145,000 | $ 238,000 | $ 111,000 |
| Dale County Alabama | 9 | $ 1,745,000 | $ 193,000 | $ 172,000 |
| Lee County Alabama | 6 | $ 1,680,000 | $ 280,000 | $ 129,000 |
| Morgan County Alabama | 6 | $ 1,110,000 | $ 185,000 | $ 97,000 |
| Tuscaloosa County Alabama | 6 | $ 1,430,000 | $ 238,000 | $ 133,000 |
| Blount County Alabama | 5 | $ 995,000 | $ 199,000 | $ 97,000 |
| Lawrence County Alabama | 4 | $ 940,000 | $ 235,000 | $ 109,000 |
| Pike County Alabama | 4 | $ 1,180,000 | $ 295,000 | $ 205,000 |
| Baldwin County Alabama | 3 | $ 1,275,000 | $ 425,000 | $ 485,000 |
| Bullock County Alabama | 3 | $ 495,000 | $ 165,000 | $ 102,000 |
| Crenshaw County Alabama | 3 | $ 475,000 | $ 158,000 | $ 106,000 |
| Elmore County Alabama | 3 | $ 805,000 | $ 268,000 | $ 111,000 |
| Henry County Alabama | 3 | $ 1,205,000 | $ 401,000 | $ 161,000 |
| Houston County Alabama | 3 | $ 615,000 | $ 205,000 | $ 114,000 |
| Shelby County Alabama | 3 | $ 1,225,000 | $ 408,000 | $ 144,000 |
| St. Clair County Alabama | 3 | $ 755,000 | $ 251,000 | $ 165,000 |
| Butler County Alabama | 2 | $ 380,000 | $ 190,000 | $ 152,000 |
| Coffee County Alabama | 2 | $ 330,000 | $ 165,000 | $ 89,000 |
| Conecuh County Alabama | 2 | $ 370,000 | $ 185,000 | $ 104,000 |
| Cullman County Alabama | 2 | $ 140,000 | $ 70,000 | $ 84,000 |
| Geneva County Alabama | 2 | $ 410,000 | $ 205,000 | $ 109,000 |
| Lowndes County Alabama | 2 | $ 530,000 | $ 265,000 | $ 99,000 |
| Marion County Alabama | 2 | $ 1,090,000 | $ 545,000 | $ 158,000 |
| Walker County Alabama | 2 | $ 500,000 | $ 250,000 | $ 103,000 |
| Franklin County Louisiana | 2 | $ 390,000 | $ 195,000 | $ 183,000 |
| Oktibbeha County Mississippi | 2 | $ 660,000 | $ 330,000 | $ 325,000 |
| Autauga County Alabama | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Chambers County Alabama | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Chilton County Alabama | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Clarke County Alabama | 1 | $ 185,000 | $ 185,000 | $ 294,000 |
| Dallas County Alabama | 1 | $ 295,000 | $ 295,000 | $ 134,000 |
| Etowah County Alabama | 1 | $ 285,000 | $ 285,000 | $ 85,000 |
| Franklin County Alabama | 1 | $ 175,000 | $ 175,000 | $ 213,000 |
| Macon County Alabama | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Madison County Alabama | 1 | $ 1,615,000 | $ 1,615,000 | $ 384,000 |
| Marshall County Alabama | 1 | $ 35,000 | $ 35,000 | $ 216,000 |
| Montgomery County Alabama | 1 | $ 125,000 | $ 125,000 | $ 123,000 |
| Randolph County Alabama | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Tallapoosa County Alabama | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| Wilcox County Alabama | 1 | $ 375,000 | $ 375,000 | $ 117,000 |
| St. Landry County Louisiana | 1 | $ 315,000 | $ 315,000 | $ 133,000 |
| Tangipahoa County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 146,000 |
| Terrebonne County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Franklin County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 202,000 |
| Hinds County Mississippi | 1 | $ 295,000 | $ 295,000 | $ 127,000 |
| Jefferson County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Jones County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 172,000 |
| Lafayette County Mississippi | 1 | $ 665,000 | $ 665,000 | $ 256,000 |
| Rankin County Mississippi | 1 | $ 255,000 | $ 255,000 | $ 126,000 |
| Scott County Mississippi | 1 | $ 275,000 | $ 275,000 | $ 271,000 |
| Smith County Mississippi | 1 | $ 275,000 | $ 275,000 | $ 150,000 |
| Yazoo County Mississippi | 1 | $ 1,065,000 | $ 1,065,000 | $ 413,000 |
| Lincoln County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for First South Farm Credit, Aca in 2020
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 | 49 | $14,105,000 | $287,000 | $1,615,000 | $165,000 | $760,000 |
| Other Purpose | 36 | $8,360,000 | $232,000 | $805,000 | $143,000 | $1,108,000 |
| Home Purchase | 30 | $8,000,000 | $266,000 | $655,000 | $127,000 | $581,000 |
| Home Improvement | 5 | $665,000 | $133,000 | $305,000 | $107,000 | $163,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 109 | $28,205,000 | $258,000 | $1,615,000 | $150,000 | $1,108,000 |
| Not applicable | 3 | $535,000 | $178,000 | $205,000 | $0 | $0 |
| Not Provided | 3 | $855,000 | $285,000 | $435,000 | $136,000 | $213,000 |
| Hispanic | 2 | $490,000 | $245,000 | $335,000 | $86,000 | $105,000 |
| American Indian or Alaskan Native | 1 | $285,000 | $285,000 | $285,000 | $13,000 | $13,000 |
| Asian | 1 | $305,000 | $305,000 | $305,000 | $95,000 | $95,000 |
| Black or African American | 1 | $455,000 | $455,000 | $455,000 | $163,000 | $163,000 |
| 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) | 120 | $31,130,000 | $259,000 | $1,615,000 | $147,000 | $1,108,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 104 | $27,490,000 | $264,000 | $1,615,000 | $152,000 | $1,108,000 |
| Application Withdrawn By Applicant | 11 | $3,135,000 | $285,000 | $595,000 | $117,000 | $213,000 |
| Application Denied By Financial Institution | 5 | $505,000 | $101,000 | $215,000 | $119,000 | $221,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 115 | $30,625,000 | $266,000 | $1,615,000 | $148,000 | $1,108,000 |
| Other | 2 | $130,000 | $65,000 | $85,000 | $130,000 | $202,000 |
| Collateral | 1 | $65,000 | $65,000 | $65,000 | $221,000 | $221,000 |
| Credit History | 1 | $215,000 | $215,000 | $215,000 | $63,000 | $63,000 |
| Debt-To-Income Ratio | 1 | $95,000 | $95,000 | $95,000 | $52,000 | $52,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First South Farm Credit, Aca's 2020 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 First South Farm Credit, Aca'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.