Scott County, MS Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 800 mortgage applications in Scott County, MS totaling $58.6 million, down 12% from 2013. The average application was for $73,000, and applicants reported an average income of $55,000. 54% of applications resulted in an originated loan and 24% were denied. The most active lender was Community Bank of Mississippi, with 162 applications, followed by The Bank of Forest 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 | 800 |
| Total Mortgage Loan Application Amount | $58,562,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $1,448,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $581,000 |
* 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 |
|---|---|---|---|---|
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 691,820,000 | 162 | $ 13,912,000 |
| The Bank of Forest 211 WEST THIRD STREET FOREST, MS 39074 |
* | $ 142,464,000 | 129 | $ 5,405,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 60 | $ 2,651,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 54 | $ 3,202,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 543,003,000 | 43 | $ 2,019,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ 872,795,000 | 41 | $ 1,059,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 11,681,215,000 | 41 | $ 4,466,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 19 | $ 760,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,032,498,000 | 19 | $ 2,047,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 18 | $ 1,964,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 15 | $ 1,338,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 14 | $ 1,726,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 12 | $ 552,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 814,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,385,232,000 | 9 | $ 322,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,933,259,000 | 9 | $ 403,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 9 | $ 1,338,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 806,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 7 | $ 572,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 661,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 7 | $ 706,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 855,988,000 | 6 | $ 862,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 6 | $ 945,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 237,114,000 | 5 | $ 690,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 5 | $ 489,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 6,615,096,000 | 4 | $ 20,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ 825,044,000 | 4 | $ 526,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 173,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 462,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 340,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 192,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 2 | $ 9,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 285,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 293,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 2 | $ 149,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 261,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 180,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 2 | $ 33,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 1,150,854,000 | 2 | $ 239,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 177,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 195,000 |
| Renasant Bk 201 SOUTH JACKSON ST CRYSTAL SPRINGS, MS 39059 |
* | $ 800,727,000 | 2 | $ 292,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 2 | $ 327,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 84,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 94,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 230,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 104,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 366,409,000 | 1 | $ 194,000 |
| Centennial Bank P.O. BOX 308 TREZEVANT, TN 38258 |
* | $ 295,749,000 | 1 | $ 60,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 13,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 586,512,000 | 1 | $ 130,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 116,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 1 | $ 106,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,161,463,000 | 1 | $ 235,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,560,571,000 | 1 | $ 90,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 204,003,000 | 1 | $ 9,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 1 | $ 60,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ 186,716,000 | 1 | $ 791,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 84,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 97,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 94,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 175,000 |
The tables below break down 2014 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 2014
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 | 337 | $27,680,000 | $82,000 | $1,448,000 | $49,000 | $431,000 |
| Refinancing | 312 | $28,058,000 | $89,000 | $1,185,000 | $66,000 | $581,000 |
| Home Improvement | 151 | $2,824,000 | $18,000 | $507,000 | $46,000 | $373,000 |
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 | 453 | $32,561,000 | $71,000 | $1,185,000 | $69,000 | $581,000 |
| Black or African American | 212 | $8,978,000 | $42,000 | $235,000 | $41,000 | $200,000 |
| Not applicable | 75 | $12,330,000 | $164,000 | $1,448,000 | $7,000 | $127,000 |
| Not Provided | 34 | $2,596,000 | $76,000 | $230,000 | $54,000 | $148,000 |
| Hispanic | 20 | $1,117,000 | $55,000 | $115,000 | $59,000 | $307,000 |
| Asian | 4 | $913,000 | $228,000 | $850,000 | $97,000 | $230,000 |
| American Indian or Alaskan Native | 2 | $67,000 | $33,000 | $41,000 | $27,000 | $31,000 |
| 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) | 696 | $47,359,000 | $68,000 | $1,448,000 | $58,000 | $581,000 |
| FHA-insured (Federal Housing Administration) | 55 | $5,720,000 | $104,000 | $233,000 | $44,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $2,956,000 | $101,000 | $194,000 | $17,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,527,000 | $126,000 | $235,000 | $45,000 | $131,000 |
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 | 431 | $31,721,000 | $73,000 | $1,448,000 | $66,000 | $581,000 |
| Application Denied By Financial Institution | 192 | $10,242,000 | $53,000 | $174,000 | $42,000 | $203,000 |
| Loan Purchased By The Institution | 74 | $9,373,000 | $126,000 | $361,000 | $16,000 | $137,000 |
| Application Approved But Not Accepted | 60 | $3,227,000 | $53,000 | $201,000 | $58,000 | $373,000 |
| Application Withdrawn By Applicant | 39 | $3,682,000 | $94,000 | $304,000 | $62,000 | $276,000 |
| File Closed For Incompleteness | 4 | $317,000 | $79,000 | $128,000 | $52,000 | $107,000 |
| 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 | 35 | $1,700,000 | $48,000 | $126,000 | $48,000 | $203,000 |
| Debt-To-Income Ratio | 13 | $924,000 | $71,000 | $174,000 | $48,000 | $140,000 |
| Collateral | 6 | $431,000 | $71,000 | $115,000 | $56,000 | $82,000 |
| Credit Application Incomplete | 5 | $596,000 | $119,000 | $162,000 | $108,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $266,000 | $88,000 | $123,000 | $40,000 | $59,000 |
| Other | 1 | $90,000 | $90,000 | $90,000 | $120,000 | $120,000 |
| Employment History | 1 | $41,000 | $41,000 | $41,000 | $43,000 | $43,000 |
| Unverifiable Information | 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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