Monroe County, MS Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,046 mortgage applications in Monroe County, MS totaling $316.8 million, down 7% from 2012. The average application was for $302,000, and applicants reported an average income of $60,000. 57% of applications resulted in an originated loan and 20% were denied. The most active lender was Renasant Bank, with 262 applications, followed by Community Bank, North Mississippi and Cadence Bank.
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| 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 | 1,046 |
| Total Mortgage Loan Application Amount | $316,783,000 |
| Average Mortgage Loan Application Amount | $302,000 |
| Highest Mortgage Loan Application Amount | $97,037,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $532,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,169,063,000 | 262 | $ 22,777,000 |
| Community Bank, North Mississippi P. O. BOX 270 AMORY, MS 38821 |
* | $ 481,684,000 | 124 | $ 7,973,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,390,496,000 | 113 | $ 7,988,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 65 | $ 7,099,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 56 | $ 2,399,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 5,707,401,000 | 39 | $ 1,181,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 38 | $ 3,102,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 26 | $ 1,801,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 21 | $ 2,421,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 18 | $ 1,493,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 9,716,802,000 | 18 | $ 2,038,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 718,364,000 | 17 | $ 779,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 644,190,000 | 16 | $ 2,533,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 10 | $ 768,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 10 | $ 1,061,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 747,529,000 | 10 | $ 887,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 9 | $ 845,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 9 | $ 1,018,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 8 | $ 977,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 8 | $ 1,532,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 727,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,209,458,000 | 8 | $ 408,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 7 | $ 680,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 6 | $ 711,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 851,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 6 | $ 965,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 6 | $ 909,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 393,000 |
| First State Bank of the South, Inc. P.O. BOX 596, 5856 HWY 278 SULLIGENT, AL 35586 |
* | $ 97,508,000 | 5 | $ 166,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 4 | $ 464,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 4 | $ 574,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 5,130,184,000 | 4 | $ 220,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 3 | $ 193,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 517,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 3 | $ 530,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 364,000 |
| Mississippi Federal Credit Union P. O. BOX 55889 JACKSON, MS 39296 |
* | $ 90,993,000 | 3 | $ 318,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 192,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 3 | $ 226,847,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 3 | $ 573,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 2 | $ 320,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,595,673,000 | 2 | $ 82,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 2 | $ 119,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 2 | $ 544,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 288,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 81,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 2 | $ 130,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 73,000 |
| Star One Credit Union PO BOX 3643 SUNNYVALE, CA 94088 |
* | $ 6,304,302,000 | 1 | $ 28,000 |
| Hunt Mortgage Capital, LLC 230 PARK AVE FL 19 NEW YORK, NY 10169 |
* | $ 495,813,000 | 1 | $ 1,392,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 54,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 77,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 7,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,701,612,000 | 1 | $ 75,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 627,435,000 | 1 | $ 80,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 137,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 1 | $ 102,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 578,292,000 | 1 | $ 328,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 149,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 135,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 162,278,000 | 1 | $ 166,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 1 | $ 155,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 1 | $ 22,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 646,232,000 | 1 | $ 20,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 1 | $ 103,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 301,000 |
| Bankers Mortgage Center, Inc. 909 NORTH 18TH STREET STE 110 MONROE, LA 71201 |
* | $ 10,000,000 | 1 | $ 87,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 68,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 467,666,000 | 1 | $ 270,000 |
| Bank Independent 710 S MONTGOMERY AVE SHEFFIELD, AL 35660 |
* | $ 1,081,660,000 | 1 | $ 20,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,076,739,000 | 1 | $ 82,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Heritage Financial Credit Union 25 RYKOWSKI LANE MIDDLETOWN, NY 10941 |
* | $ 265,762,000 | 1 | $ 172,000 |
| Southern Security Federal Credit Union 765 W POPLAR AVE COLLIERVILLE, TN 38017 |
* | $ 129,211,000 | 1 | $ 62,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 39,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 64,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 1 | $ 116,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 102,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 33,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,030,878,000 | 1 | $ 30,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 127,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 40,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,084,821,000 | 1 | $ 10,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 116,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 64,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 70,000 |
The tables below break down 2013 mortgage applications in Monroe County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Monroe County, MS in 2013
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 | 519 | $279,375,000 | $538,000 | $97,037,000 | $65,000 | $532,000 |
| Home Purchase | 415 | $34,252,000 | $82,000 | $328,000 | $55,000 | $500,000 |
| Home Improvement | 112 | $3,156,000 | $28,000 | $277,000 | $55,000 | $180,000 |
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 | 756 | $67,056,000 | $88,000 | $417,000 | $69,000 | $532,000 |
| Black or African American | 174 | $9,121,000 | $52,000 | $270,000 | $41,000 | $167,000 |
| Not applicable | 61 | $234,683,000 | $3,847,000 | $97,037,000 | $8,000 | $138,000 |
| Not Provided | 38 | $4,749,000 | $124,000 | $314,000 | $63,000 | $188,000 |
| Hispanic | 14 | $908,000 | $64,000 | $229,000 | $70,000 | $200,000 |
| Asian | 3 | $266,000 | $88,000 | $140,000 | $81,000 | $170,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 815 | $63,261,000 | $77,000 | $417,000 | $66,000 | $532,000 |
| FHA-insured (Federal Housing Administration) | 118 | $240,244,000 | $2,035,000 | $97,037,000 | $37,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $5,879,000 | $86,000 | $183,000 | $36,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 45 | $7,399,000 | $164,000 | $301,000 | $52,000 | $294,000 |
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 | 591 | $49,220,000 | $83,000 | $417,000 | $69,000 | $532,000 |
| Application Denied By Financial Institution | 212 | $14,901,000 | $70,000 | $380,000 | $46,000 | $250,000 |
| Loan Purchased By The Institution | 94 | $236,821,000 | $2,519,000 | $97,037,000 | $30,000 | $337,000 |
| Application Withdrawn By Applicant | 69 | $8,662,000 | $125,000 | $1,392,000 | $68,000 | $300,000 |
| Application Approved But Not Accepted | 58 | $4,412,000 | $76,000 | $304,000 | $64,000 | $500,000 |
| File Closed For Incompleteness | 22 | $2,767,000 | $125,000 | $314,000 | $58,000 | $188,000 |
| 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 | 66 | $3,647,000 | $55,000 | $350,000 | $46,000 | $250,000 |
| Debt-To-Income Ratio | 19 | $1,201,000 | $63,000 | $380,000 | $33,000 | $97,000 |
| Collateral | 16 | $1,744,000 | $109,000 | $240,000 | $58,000 | $116,000 |
| Credit Application Incomplete | 8 | $694,000 | $86,000 | $124,000 | $51,000 | $90,000 |
| Other | 8 | $802,000 | $100,000 | $166,000 | $79,000 | $236,000 |
| Unverifiable Information | 3 | $390,000 | $130,000 | $155,000 | $56,000 | $75,000 |
| Employment History | 1 | $220,000 | $220,000 | $220,000 | $79,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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