Merchants And Farmers Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Merchants And Farmers Bank 2012 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 | Merchants And Farmers Bank 134 West Washington St Kosciusko, MS 39090 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,325 |
| Total Mortgage Loan Application Amount | $324,763,000 |
| Average Mortgage Loan Application Amount | $104,666 |
| Highest Mortgage Loan Application Amount | $3,998,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $915,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Merchants And Farmers Bank. 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 Merchants And Farmers Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Merchants And Farmers Bank'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 Merchants And Farmers Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Merchants And Farmers Bank, 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 Merchants And Farmers Bank's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rankin County Mississippi | 243 | $ 34,731,000 | $ 142,000 | $ 78,000 |
| Shelby County Alabama | 227 | $ 36,179,000 | $ 159,000 | $ 78,000 |
| Jefferson County Alabama | 205 | $ 35,040,000 | $ 170,000 | $ 78,000 |
| Madison County Mississippi | 201 | $ 35,760,000 | $ 177,000 | $ 85,000 |
| Lafayette County Mississippi | 154 | $ 21,953,000 | $ 142,000 | $ 120,000 |
| Attala County Mississippi | 145 | $ 11,220,000 | $ 77,000 | $ 59,000 |
| Lee County Mississippi | 143 | $ 14,190,000 | $ 99,000 | $ 63,000 |
| Cullman County Alabama | 129 | $ 18,060,000 | $ 140,000 | $ 68,000 |
| Oktibbeha County Mississippi | 104 | $ 17,539,000 | $ 168,000 | $ 86,000 |
| Hinds County Mississippi | 88 | $ 11,261,000 | $ 127,000 | $ 86,000 |
| Neshoba County Mississippi | 64 | $ 4,830,000 | $ 75,000 | $ 73,000 |
| DeSoto County Mississippi | 54 | $ 6,375,000 | $ 118,000 | $ 67,000 |
| Bolivar County Mississippi | 53 | $ 10,606,000 | $ 200,000 | $ 87,000 |
| Holmes County Mississippi | 31 | $ 1,660,000 | $ 53,000 | $ 73,000 |
| Choctaw County Mississippi | 27 | $ 1,731,000 | $ 64,000 | $ 56,000 |
| Grenada County Mississippi | 27 | $ 2,625,000 | $ 97,000 | $ 76,000 |
| Warren County Mississippi | 24 | $ 3,355,000 | $ 139,000 | $ 80,000 |
| Shelby County Tennessee | 23 | $ 3,371,000 | $ 146,000 | $ 81,000 |
| Lauderdale County Alabama | 21 | $ 3,088,000 | $ 147,000 | $ 60,000 |
| Blount County Alabama | 20 | $ 2,522,000 | $ 126,000 | $ 56,000 |
| Leake County Mississippi | 20 | $ 1,565,000 | $ 78,000 | $ 51,000 |
| Crockett County Tennessee | 20 | $ 1,149,000 | $ 57,000 | $ 63,000 |
| St. Clair County Alabama | 16 | $ 2,491,000 | $ 155,000 | $ 71,000 |
| Winston County Mississippi | 13 | $ 1,105,000 | $ 85,000 | $ 53,000 |
| Yalobusha County Mississippi | 12 | $ 1,075,000 | $ 89,000 | $ 58,000 |
| Talladega County Alabama | 11 | $ 1,716,000 | $ 156,000 | $ 69,000 |
| Pontotoc County Mississippi | 10 | $ 1,316,000 | $ 131,000 | $ 126,000 |
| Walker County Alabama | 9 | $ 1,173,000 | $ 130,000 | $ 107,000 |
| Scott County Mississippi | 9 | $ 930,000 | $ 103,000 | $ 79,000 |
| Colbert County Alabama | 8 | $ 1,023,000 | $ 127,000 | $ 79,000 |
| Morgan County Alabama | 8 | $ 1,103,000 | $ 137,000 | $ 62,000 |
| Calhoun County Mississippi | 8 | $ 276,000 | $ 34,000 | $ 55,000 |
| Chilton County Alabama | 7 | $ 716,000 | $ 102,000 | $ 51,000 |
| Marshall County Alabama | 7 | $ 2,315,000 | $ 330,000 | $ 199,000 |
| Tuscaloosa County Alabama | 7 | $ 1,627,000 | $ 232,000 | $ 106,000 |
| Itawamba County Mississippi | 7 | $ 579,000 | $ 82,000 | $ 65,000 |
| Monroe County Mississippi | 7 | $ 922,000 | $ 131,000 | $ 67,000 |
| Madison County Alabama | 6 | $ 1,071,000 | $ 178,000 | $ 114,000 |
| Montgomery County Mississippi | 6 | $ 436,000 | $ 72,000 | $ 52,000 |
| Panola County Mississippi | 6 | $ 481,000 | $ 80,000 | $ 35,000 |
| Lowndes County Mississippi | 5 | $ 885,000 | $ 177,000 | $ 125,000 |
| Simpson County Mississippi | 5 | $ 532,000 | $ 106,000 | $ 92,000 |
| Webster County Mississippi | 5 | $ 541,000 | $ 108,000 | $ 82,000 |
| Haywood County Tennessee | 5 | $ 211,000 | $ 42,000 | $ 51,000 |
| Baldwin County Alabama | 4 | $ 987,000 | $ 246,000 | $ 101,000 |
| Bibb County Alabama | 4 | $ 432,000 | $ 108,000 | $ 79,000 |
| Mobile County Alabama | 4 | $ 539,000 | $ 134,000 | $ 74,000 |
| Tallapoosa County Alabama | 4 | $ 1,059,000 | $ 264,000 | $ 171,000 |
| Winston County Alabama | 4 | $ 1,040,000 | $ 260,000 | $ 163,000 |
| Madison County Tennessee | 4 | $ 282,000 | $ 70,000 | $ 39,000 |
| Forsyth County Georgia | 3 | $ 990,000 | $ 330,000 | $ 148,000 |
| Gwinnett County Georgia | 3 | $ 347,000 | $ 115,000 | $ 72,000 |
| Carroll County Mississippi | 3 | $ 384,000 | $ 128,000 | $ 62,000 |
| Copiah County Mississippi | 3 | $ 372,000 | $ 124,000 | $ 57,000 |
| Kemper County Mississippi | 3 | $ 223,000 | $ 74,000 | $ 58,000 |
| Lamar County Mississippi | 3 | $ 327,000 | $ 109,000 | $ 84,000 |
| Marshall County Mississippi | 3 | $ 184,000 | $ 61,000 | $ 164,000 |
| Newton County Mississippi | 3 | $ 292,000 | $ 97,000 | $ 130,000 |
| Prentiss County Mississippi | 3 | $ 204,000 | $ 68,000 | $ 43,000 |
| Tate County Mississippi | 3 | $ 188,000 | $ 62,000 | $ 40,000 |
| Washington County Mississippi | 3 | $ 1,258,000 | $ 419,000 | $ 56,000 |
| Yazoo County Mississippi | 3 | $ 499,000 | $ 166,000 | $ 53,000 |
| Calhoun County Alabama | 2 | $ 206,000 | $ 103,000 | $ 48,000 |
| DeKalb County Alabama | 2 | $ 190,000 | $ 95,000 | $ 48,000 |
| Franklin County Alabama | 2 | $ 190,000 | $ 95,000 | $ 50,000 |
| Marion County Alabama | 2 | $ 262,000 | $ 131,000 | $ 87,000 |
| Walton County Florida | 2 | $ 757,000 | $ 378,000 | $ 345,000 |
| Alcorn County Mississippi | 2 | $ 226,000 | $ 113,000 | $ 21,000 |
| Clay County Mississippi | 2 | $ 378,000 | $ 189,000 | $ 74,000 |
| Jackson County Mississippi | 2 | $ 187,000 | $ 93,000 | $ 64,000 |
| Pike County Mississippi | 2 | $ 358,000 | $ 179,000 | $ 95,000 |
| Smith County Mississippi | 2 | $ 149,000 | $ 74,000 | $ 62,000 |
| Tallahatchie County Mississippi | 2 | $ 229,000 | $ 114,000 | $ 141,000 |
| Union County Mississippi | 2 | $ 318,000 | $ 159,000 | $ 61,000 |
| Wayne County Mississippi | 2 | $ 242,000 | $ 121,000 | $ 108,000 |
| Mecklenburg County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 53,000 |
| Autauga County Alabama | 1 | $ 356,000 | $ 356,000 | $ 159,000 |
| Clay County Alabama | 1 | $ 103,000 | $ 103,000 | $ 37,000 |
| Elmore County Alabama | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Etowah County Alabama | 1 | $ 88,000 | $ 88,000 | $ 30,000 |
| Lawrence County Alabama | 1 | $ 186,000 | $ 186,000 | $ 44,000 |
| Lee County Alabama | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Limestone County Alabama | 1 | $ 207,000 | $ 207,000 | $ 130,000 |
| Marengo County Alabama | 1 | $ 241,000 | $ 241,000 | $ 69,000 |
| Monroe County Alabama | 1 | $ 226,000 | $ 226,000 | $ 22,000 |
| Montgomery County Alabama | 1 | $ 417,000 | $ 417,000 | $ 285,000 |
| Escambia County Florida | 1 | $ 164,000 | $ 164,000 | $ 367,000 |
| Okaloosa County Florida | 1 | $ 246,000 | $ 246,000 | $ 117,000 |
| Clarke County Georgia | 1 | $ 123,000 | $ 123,000 | $ 39,000 |
| Coweta County Georgia | 1 | $ 353,000 | $ 353,000 | $ 74,000 |
| DeKalb County Georgia | 1 | $ 210,000 | $ 210,000 | $ 105,000 |
| Gordon County Georgia | 1 | $ 309,000 | $ 309,000 | $ 161,000 |
| Hall County Georgia | 1 | $ 44,000 | $ 44,000 | $ 59,000 |
| Towns County Georgia | 1 | $ 122,000 | $ 122,000 | $ 107,000 |
| Livingston County Louisiana | 1 | $ 72,000 | $ 72,000 | $ 78,000 |
| Orleans County Louisiana | 1 | $ 121,000 | $ 121,000 | $ 221,000 |
| Lincoln County Maine | 1 | $ 251,000 | $ 251,000 | $ 300,000 |
| Benton County Mississippi | 1 | $ 33,000 | $ 33,000 | $ 70,000 |
| Chickasaw County Mississippi | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Harrison County Mississippi | 1 | $ 362,000 | $ 362,000 | $ 88,000 |
| Jasper County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Jefferson Davis County Mississippi | 1 | $ 132,000 | $ 132,000 | $ 61,000 |
| Lauderdale County Mississippi | 1 | $ 3,455,000 | $ 3,455,000 | $ 0 |
| Leflore County Mississippi | 1 | $ 87,000 | $ 87,000 | $ 42,000 |
| Lincoln County Mississippi | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| Sunflower County Mississippi | 1 | $ 248,000 | $ 248,000 | $ 272,000 |
| Buncombe County North Carolina | 1 | $ 288,000 | $ 288,000 | $ 136,000 |
| Coffee County Tennessee | 1 | $ 96,000 | $ 96,000 | $ 47,000 |
| Fayette County Tennessee | 1 | $ 279,000 | $ 279,000 | $ 75,000 |
| Gibson County Tennessee | 1 | $ 73,000 | $ 73,000 | $ 43,000 |
| Hardin County Tennessee | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Henderson County Tennessee | 1 | $ 57,000 | $ 57,000 | $ 56,000 |
| Williamson County Tennessee | 1 | $ 270,000 | $ 270,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Merchants And Farmers Bank in 2012
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 | 1,356 | $207,899,000 | $153,000 | $3,998,000 | $81,000 | $835,000 |
| Home Purchase | 815 | $113,351,000 | $139,000 | $532,000 | $81,000 | $915,000 |
| Home Improvement | 154 | $3,513,000 | $22,000 | $201,000 | $54,000 | $331,000 |
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 | 1,915 | $266,537,000 | $139,000 | $1,190,000 | $85,000 | $915,000 |
| Black or African American | 256 | $21,821,000 | $85,000 | $417,000 | $54,000 | $356,000 |
| Not applicable | 61 | $24,321,000 | $398,000 | $3,998,000 | $0 | $0 |
| Asian | 37 | $6,415,000 | $173,000 | $417,000 | $90,000 | $313,000 |
| Not Provided | 30 | $2,277,000 | $75,000 | $300,000 | $56,000 | $265,000 |
| Hispanic | 21 | $2,721,000 | $129,000 | $383,000 | $85,000 | $214,000 |
| American Indian or Alaskan Native | 3 | $399,000 | $133,000 | $186,000 | $47,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $272,000 | $136,000 | $143,000 | $78,000 | $102,000 |
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) | 1,888 | $264,968,000 | $140,000 | $3,998,000 | $86,000 | $915,000 |
| FHA-insured (Federal Housing Administration) | 288 | $40,500,000 | $140,000 | $274,000 | $54,000 | $583,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 118 | $13,602,000 | $115,000 | $247,000 | $40,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 31 | $5,693,000 | $183,000 | $406,000 | $65,000 | $160,000 |
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 | 1,790 | $253,564,000 | $141,000 | $3,998,000 | $82,000 | $915,000 |
| Application Denied By Financial Institution | 308 | $38,595,000 | $125,000 | $1,190,000 | $61,000 | $333,000 |
| Application Withdrawn By Applicant | 188 | $26,594,000 | $141,000 | $527,000 | $78,000 | $300,000 |
| Application Approved But Not Accepted | 39 | $6,010,000 | $154,000 | $400,000 | $101,000 | $546,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 147 | $13,725,000 | $93,000 | $725,000 | $53,000 | $245,000 |
| Debt-To-Income Ratio | 77 | $9,542,000 | $123,000 | $360,000 | $48,000 | $187,000 |
| Collateral | 47 | $9,192,000 | $195,000 | $1,190,000 | $92,000 | $333,000 |
| Other | 16 | $2,246,000 | $140,000 | $300,000 | $74,000 | $221,000 |
| Credit Application Incomplete | 8 | $1,298,000 | $162,000 | $300,000 | $60,000 | $110,000 |
| Unverifiable Information | 6 | $1,723,000 | $287,000 | $417,000 | $133,000 | $285,000 |
| Employment History | 5 | $716,000 | $143,000 | $257,000 | $66,000 | $112,000 |
| 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 Merchants And Farmers Bank's 2012 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 Merchants And Farmers Bank'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.