Scott County, MS Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 717 mortgage applications in Scott County, MS totaling $59.9 million, down 10% from 2014. The average application was for $83,000, and applicants reported an average income of $60,000. 55% of applications resulted in an originated loan and 21% were denied. The most active lender was Community Bank of Mississippi, with 156 applications, followed by The Bank of Forest and Vanderbilt Mortgage and Finance, Inc.
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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 | 717 |
| Total Mortgage Loan Application Amount | $59,927,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $1,458,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $1,600,000 |
* 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 |
* | $ 665,271,000 | 156 | $ 14,514,000 |
| The Bank of Forest 211 WEST THIRD STREET FOREST, MS 39074 |
* | $ 146,592,000 | 89 | $ 2,721,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 52 | $ 2,966,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 46 | $ 2,774,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,314,758,000 | 45 | $ 4,330,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,248,532,000 | 39 | $ 4,576,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ 920,689,000 | 32 | $ 777,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 560,787,000 | 26 | $ 1,350,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 19 | $ 3,289,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 14 | $ 2,022,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 13 | $ 1,863,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 12 | $ 278,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 11 | $ 956,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 747,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 708,292,000 | 8 | $ 511,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 813,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 7 | $ 853,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,406,489,000 | 6 | $ 325,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 5 | $ 638,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 5 | $ 656,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 5 | $ 1,200,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 672,844,000 | 4 | $ 270,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 915,717,000 | 3 | $ 777,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,785,742,000 | 3 | $ 118,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 3 | $ 447,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 324,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 3 | $ 39,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 20,632,572,000 | 3 | $ 16,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 3 | $ 150,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 2 | $ 19,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 243,010,000 | 2 | $ 580,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,112,889,000 | 2 | $ 12,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 286,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 400,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 154,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 275,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 2 | $ 116,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 267,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 2 | $ 70,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 379,303,000 | 2 | $ 341,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 2 | $ 182,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 2 | $ 180,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,713,197,000 | 2 | $ 369,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 2,218,206,000 | 1 | $ 25,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,622,355,000 | 1 | $ 78,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 3,083,087,000 | 1 | $ 216,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 57,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 109,000 |
| Central Bank of Boone County 720 E. BROADWAY COLUMBIA, MO 65201 |
* | $ 1,448,928,000 | 1 | $ 102,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 130,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 271,000 |
| Renasant Bk 201 SOUTH JACKSON ST CRYSTAL SPRINGS, MS 39059 |
* | $ 932,670,000 | 1 | $ 139,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 116,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,424,729,000 | 1 | $ 120,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 137,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 113,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 168,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 210,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 46,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 24,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 158,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 88,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ 836,647,000 | 1 | $ 144,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 831,994,000 | 1 | $ 148,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 161,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 60,000 |
| The Old Point National Bank of Phoebus 1 W MELLEN STREET HAMPTON, VA 23669 |
* | $ 871,691,000 | 1 | $ 77,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 163,000 |
| The Home Lending Group, LLC 215 KATHERINE DRIVE FLOWOOD, MS 39232 |
* | $ 22,596,000 | 1 | $ 229,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 49,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 91,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 62,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ 178,453,000 | 1 | $ 6,000 |
The tables below break down 2015 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 2015
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 | 314 | $32,489,000 | $103,000 | $1,458,000 | $67,000 | $572,000 |
| Home Purchase | 306 | $25,820,000 | $84,000 | $452,000 | $56,000 | $1,600,000 |
| Home Improvement | 97 | $1,618,000 | $16,000 | $139,000 | $48,000 | $216,000 |
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 | 397 | $35,429,000 | $89,000 | $461,000 | $77,000 | $1,600,000 |
| Black or African American | 193 | $9,861,000 | $51,000 | $294,000 | $41,000 | $240,000 |
| Not applicable | 63 | $8,584,000 | $136,000 | $407,000 | $10,000 | $322,000 |
| Hispanic | 34 | $1,953,000 | $57,000 | $159,000 | $54,000 | $305,000 |
| Not Provided | 25 | $3,655,000 | $146,000 | $1,458,000 | $69,000 | $572,000 |
| American Indian or Alaskan Native | 3 | $339,000 | $113,000 | $163,000 | $47,000 | $56,000 |
| Asian | 2 | $106,000 | $53,000 | $53,000 | $28,000 | $30,000 |
| 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) | 572 | $43,735,000 | $76,000 | $1,458,000 | $64,000 | $1,600,000 |
| FHA-insured (Federal Housing Administration) | 89 | $9,819,000 | $110,000 | $372,000 | $44,000 | $207,000 |
| VA-guaranteed (Veterans Administration) | 33 | $3,863,000 | $117,000 | $294,000 | $61,000 | $214,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,510,000 | $109,000 | $189,000 | $14,000 | $47,000 |
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 | 394 | $31,436,000 | $79,000 | $1,458,000 | $73,000 | $1,600,000 |
| Application Denied By Financial Institution | 149 | $10,829,000 | $72,000 | $360,000 | $47,000 | $323,000 |
| Loan Purchased By The Institution | 72 | $9,295,000 | $129,000 | $407,000 | $21,000 | $322,000 |
| Application Withdrawn By Applicant | 44 | $4,829,000 | $109,000 | $372,000 | $69,000 | $214,000 |
| File Closed For Incompleteness | 44 | $2,451,000 | $55,000 | $163,000 | $42,000 | $95,000 |
| Application Approved But Not Accepted | 14 | $1,087,000 | $77,000 | $210,000 | $60,000 | $127,000 |
| 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 | 27 | $1,766,000 | $65,000 | $225,000 | $44,000 | $170,000 |
| Debt-To-Income Ratio | 13 | $1,343,000 | $103,000 | $357,000 | $71,000 | $323,000 |
| Collateral | 12 | $1,234,000 | $102,000 | $271,000 | $75,000 | $176,000 |
| Credit Application Incomplete | 4 | $436,000 | $109,000 | $360,000 | $82,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $179,000 | $59,000 | $91,000 | $63,000 | $89,000 |
| Unverifiable Information | 2 | $258,000 | $129,000 | $158,000 | $138,000 | $150,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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