Neshoba County, MS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 552 mortgage applications in Neshoba County, MS totaling $67.7 million, down 16% from 2022. The average application was for $122,000, and applicants reported an average income of $85,000. 46% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 75 applications, followed by The Citizens Bank and Regions 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 | 552 |
| Total Mortgage Loan Application Amount | $67,740,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $840,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 75 | $ 8,525,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ 1,323,586,000 | 74 | $ 5,590,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 36 | $ 2,440,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 18,013,146,000 | 28 | $ 2,990,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 27 | $ 3,765,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 27 | $ 3,045,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 18 | $ 1,370,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 15 | $ 2,605,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,678,732,000 | 13 | $ 1,385,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 10 | $ 1,460,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 9 | $ 1,035,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 9 | $ 1,805,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 9 | $ 1,165,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 9 | $ 1,015,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 8 | $ 380,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 985,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,115,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 4,608,467,000 | 7 | $ 905,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 7 | $ 875,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 6 | $ 840,000 |
| Bank of Forest 211 WEST THIRD STREET FOREST, MS 39074 |
* | $ 235,011,000 | 6 | $ 940,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 6 | $ 510,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 6 | $ 790,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 6 | $ 930,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 665,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 815,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 4 | $ 190,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 1,436,326,000 | 4 | $ 740,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 1,080,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 340,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 530,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 7,028,113,000 | 3 | $ 295,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 435,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 3 | $ 215,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 335,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 2,402,492,000 | 3 | $ 255,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 200,000 |
| Ferguson Federal Credit Union 1026 EAST BROAD ST MONTICELLO, MS 39654 |
* | $ 90,695,000 | 2 | $ 390,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 2 | $ 180,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 320,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 470,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 490,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 60,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 200,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 160,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 280,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ -1,000 | 2 | $ 300,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 310,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 170,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 15,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 1,991,593,000 | 1 | $ 225,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 125,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 245,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 295,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 175,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 205,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 75,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 255,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 355,000 |
| Byline Bank 180 N LASALLE STREET, SUITE 300 CHICAGO, IL 60601 |
* | $ 7,347,241,000 | 1 | $ 2,505,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 165,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 3,450,913,000 | 1 | $ 195,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 175,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ -1,000 | 1 | $ 55,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 85,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 2,502,081,000 | 1 | $ 245,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 95,000 |
| Financial Federal Bank 1715 AARON BRENNER DRIVE MEMPHIS, TN 38120 |
* | $ 891,834,000 | 1 | $ 755,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 95,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 225,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 565,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 43,900,126,000 | 1 | $ 75,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ 2,427,913,000 | 1 | $ 155,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 275,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 245,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 85,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 175,000 |
| Story Bank dba Story Financial Partners 1300 MEADOWBROOK ROAD JACKSON, MS 39211 |
* | $ 869,275,000 | 1 | $ 185,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 45,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2023 mortgage applications in Neshoba 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 Neshoba County, MS 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 | 324 | $45,050,000 | $139,000 | $2,505,000 | $77,000 | $618,000 |
| Refinancing | 92 | $9,860,000 | $107,000 | $755,000 | $109,000 | $545,000 |
| Cash-out Refinancing | 62 | $8,900,000 | $143,000 | $335,000 | $75,000 | $260,000 |
| Other Purpose | 40 | $2,370,000 | $59,000 | $175,000 | $78,000 | $217,000 |
| Home Improvement | 28 | $1,160,000 | $41,000 | $105,000 | $147,000 | $840,000 |
| Not Applicable | 6 | $400,000 | $66,000 | $85,000 | $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 | 331 | $39,955,000 | $120,000 | $755,000 | $91,000 | $840,000 |
| Black or African American | 118 | $12,860,000 | $108,000 | $355,000 | $68,000 | $280,000 |
| Not applicable | 43 | $7,935,000 | $184,000 | $2,505,000 | $0 | $0 |
| Not Provided | 36 | $4,830,000 | $134,000 | $305,000 | $89,000 | $260,000 |
| American Indian or Alaskan Native | 16 | $1,270,000 | $79,000 | $245,000 | $94,000 | $350,000 |
| Hispanic | 7 | $825,000 | $117,000 | $215,000 | $70,000 | $96,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $22,000 | $22,000 |
| 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) | 406 | $45,560,000 | $112,000 | $2,505,000 | $89,000 | $840,000 |
| FHA-insured (Federal Housing Administration) | 80 | $10,720,000 | $134,000 | $345,000 | $71,000 | $260,000 |
| VA-guaranteed (Veterans Administration) | 38 | $8,000,000 | $210,000 | $355,000 | $82,000 | $168,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,460,000 | $123,000 | $355,000 | $63,000 | $100,000 |
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 | 254 | $32,620,000 | $128,000 | $2,505,000 | $95,000 | $618,000 |
| Application Denied By Financial Institution | 155 | $15,865,000 | $102,000 | $355,000 | $73,000 | $840,000 |
| File Closed For Incompleteness | 50 | $6,060,000 | $121,000 | $255,000 | $79,000 | $260,000 |
| Application Withdrawn By Applicant | 37 | $5,305,000 | $143,000 | $345,000 | $83,000 | $182,000 |
| Loan Purchased By The Institution | 30 | $3,960,000 | $132,000 | $295,000 | $84,000 | $121,000 |
| Application Approved But Not Accepted | 25 | $3,755,000 | $150,000 | $565,000 | $86,000 | $169,000 |
| Preapproval Approved but not Accepted | 1 | $175,000 | $175,000 | $175,000 | $66,000 | $66,000 |
| 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 | 322 | $43,380,000 | $134,000 | $755,000 | $85,000 | $618,000 |
| Debt-To-Income Ratio | 117 | $13,105,000 | $112,000 | $2,505,000 | $91,000 | $349,000 |
| Credit History | 77 | $7,225,000 | $93,000 | $255,000 | $85,000 | $840,000 |
| Collateral | 17 | $1,545,000 | $90,000 | $295,000 | $56,000 | $120,000 |
| Credit Application Incomplete | 7 | $855,000 | $122,000 | $255,000 | $80,000 | $116,000 |
| Unverifiable Information | 6 | $750,000 | $125,000 | $355,000 | $97,000 | $174,000 |
| Other | 3 | $345,000 | $115,000 | $145,000 | $89,000 | $168,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $535,000 | $178,000 | $255,000 | $93,000 | $116,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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