Scott County, MS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,020 mortgage applications in Scott County, MS totaling $68.8 million, up 9% from 2011. The average application was for $67,000, and applicants reported an average income of $56,000. 55% of applications resulted in an originated loan and 24% were denied. The most active lender was The Bank of Forest, with 201 applications, followed by Community Bank of Mississippi and 21st Mortgage.
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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 | 1,020 |
| Total Mortgage Loan Application Amount | $68,839,000 |
| Average Mortgage Loan Application Amount | $67,000 |
| Highest Mortgage Loan Application Amount | $370,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $696,000 |
* 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 |
|---|---|---|---|---|
| The Bank of Forest 211 WEST THIRD STREET FOREST, MS 39074 |
* | $ 142,309,000 | 201 | $ 8,171,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 639,243,000 | 193 | $ 11,545,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 97 | $ 4,578,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 80 | $ 4,431,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,612,081,000 | 66 | $ 6,804,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 511,515,000 | 49 | $ 2,840,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 39 | $ 4,019,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 38 | $ 3,830,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 12,990,345,000 | 37 | $ 4,013,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ 853,660,000 | 26 | $ 815,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 20 | $ 1,388,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 13 | $ 883,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 11 | $ 814,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 11 | $ 875,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 791,266,000 | 11 | $ 1,741,000 |
| Merchants and Farmers Bank 134 WEST WASHINGTON ST KOSCIUSKO, MS 39090 |
* | $ 1,561,320,000 | 9 | $ 930,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 8 | $ 406,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 7 | $ 495,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 5 | $ 384,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 5 | $ 37,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 5 | $ 665,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 4 | $ 312,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 539,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 4 | $ 685,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,177,006,000 | 4 | $ 342,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 3 | $ 537,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 3 | $ 309,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 3 | $ 241,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 3 | $ 133,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 3 | $ 414,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 267,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 4,988,392,000 | 2 | $ 10,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 2 | $ 268,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 2 | $ 210,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 2 | $ 295,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 2 | $ 348,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 2 | $ 100,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ 126,196,000 | 2 | $ 300,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 2 | $ 42,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD ROAD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 2 | $ 157,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 191,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 99,000 |
| Executive Mortgage Corp. of Ms 582 LAKELAND EAST DRIVE, STE C FLOWOOD, MS 39232 |
* | $ 124,011,000 | 2 | $ 189,000 |
| Eustis Mortgage Corporation 1100 POYDRAS STREET, SUITE 2525 NEW ORLEANS, LA 70163 |
* | $ 10,000,000 | 2 | $ 294,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 67,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 228,911,000 | 1 | $ 83,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 264,492,000 | 1 | $ 85,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 1 | $ 87,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 143,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 189,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 357,201,000 | 1 | $ 54,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 628,766,000 | 1 | $ 39,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 1,147,058,000 | 1 | $ 105,000 |
| Copiah Bank, N.A. 101 CALDWELL DRIVE HAZLEHURST, MS 39083 |
* | $ 158,973,000 | 1 | $ 59,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 1 | $ 13,000 |
| American Bank of Huntsville 3301 MEMORIAL PKWY SW HUNTSVILLE, AL 35801 |
* | $ 173,615,000 | 1 | $ 64,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 64,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 190,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 55,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 1 | $ 106,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 189,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 109,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 100,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 129,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 104,000 |
| E*Trade Savings Bank 671 N. GLEBE RD 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 1,677,184,000 | 1 | $ 44,000 |
The tables below break down 2012 mortgage applications in Scott 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 Scott County, MS 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 | 504 | $38,589,000 | $76,000 | $302,000 | $64,000 | $696,000 |
| Home Purchase | 383 | $27,487,000 | $71,000 | $370,000 | $48,000 | $400,000 |
| Home Improvement | 133 | $2,763,000 | $20,000 | $153,000 | $45,000 | $248,000 |
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 | 590 | $43,902,000 | $74,000 | $355,000 | $70,000 | $696,000 |
| Black or African American | 277 | $11,901,000 | $42,000 | $204,000 | $39,000 | $182,000 |
| Not applicable | 84 | $8,948,000 | $106,000 | $370,000 | $6,000 | $121,000 |
| Not Provided | 41 | $2,705,000 | $65,000 | $269,000 | $51,000 | $400,000 |
| Hispanic | 19 | $703,000 | $37,000 | $101,000 | $74,000 | $355,000 |
| Asian | 7 | $571,000 | $81,000 | $128,000 | $120,000 | $362,000 |
| American Indian or Alaskan Native | 2 | $109,000 | $54,000 | $57,000 | $11,000 | $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) | 880 | $55,040,000 | $62,000 | $370,000 | $58,000 | $696,000 |
| FHA-insured (Federal Housing Administration) | 85 | $8,469,000 | $99,000 | $268,000 | $49,000 | $678,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $3,899,000 | $95,000 | $171,000 | $24,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,431,000 | $102,000 | $189,000 | $16,000 | $140,000 |
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 | 563 | $33,320,000 | $59,000 | $355,000 | $62,000 | $391,000 |
| Application Denied By Financial Institution | 249 | $14,876,000 | $59,000 | $300,000 | $50,000 | $696,000 |
| Loan Purchased By The Institution | 121 | $12,985,000 | $107,000 | $292,000 | $30,000 | $189,000 |
| Application Withdrawn By Applicant | 42 | $4,836,000 | $115,000 | $370,000 | $83,000 | $678,000 |
| Application Approved But Not Accepted | 37 | $1,788,000 | $48,000 | $80,000 | $47,000 | $138,000 |
| File Closed For Incompleteness | 8 | $1,034,000 | $129,000 | $220,000 | $39,000 | $137,000 |
| 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 | 88 | $4,967,000 | $56,000 | $300,000 | $53,000 | $696,000 |
| Debt-To-Income Ratio | 35 | $1,818,000 | $51,000 | $245,000 | $43,000 | $400,000 |
| Collateral | 9 | $1,289,000 | $143,000 | $270,000 | $111,000 | $333,000 |
| Credit Application Incomplete | 6 | $585,000 | $97,000 | $204,000 | $74,000 | $179,000 |
| Other | 6 | $284,000 | $47,000 | $101,000 | $56,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $363,000 | $121,000 | $167,000 | $66,000 | $91,000 |
| Unverifiable Information | 2 | $160,000 | $80,000 | $84,000 | $40,000 | $50,000 |
| Employment History | 2 | $142,000 | $71,000 | $110,000 | $34,000 | $43,000 |
| 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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