Sharkey County, MS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 81 mortgage applications in Sharkey County, MS totaling $6.8 million, up 50% from 2024. The average application was for $84,000, and applicants reported an average income of $60,000. 30% of applications resulted in an originated loan and 48% were denied. The most active lender was 21st Mortgage, with 17 applications, followed by Triad Financial Services, Inc. and Bankplus.
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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 | 81 |
| Total Mortgage Loan Application Amount | $6,835,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $189,000 |
| 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 |
* | $ n/a | 17 | $ 1,875,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 12 | $ 990,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 9 | $ 165,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ n/a | 7 | $ 435,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 5 | $ 375,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ n/a | 2 | $ 50,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 2 | $ 140,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 2 | $ 120,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ n/a | 2 | $ 10,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 250,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 360,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ n/a | 1 | $ 195,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 15,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 125,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 25,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 135,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 65,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 105,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 125,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 95,000 |
| Planters Bank and Trust Company P. O. BOX 31 INDIANOLA, MS 38751 |
* | $ n/a | 1 | $ 65,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 185,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 75,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ n/a | 1 | $ 295,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ n/a | 1 | $ 25,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 55,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 115,000 |
The tables below break down 2025 mortgage applications in Sharkey 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 Sharkey County, MS in 2025
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 | 64 | $5,260,000 | $82,000 | $295,000 | $60,000 | $189,000 |
| Refinancing | 7 | $745,000 | $106,000 | $195,000 | $57,000 | $136,000 |
| Cash-out Refinancing | 6 | $680,000 | $113,000 | $125,000 | $57,000 | $67,000 |
| Other Purpose | 3 | $125,000 | $41,000 | $115,000 | $70,000 | $122,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $23,000 | $23,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Black or African American | 63 | $5,105,000 | $81,000 | $295,000 | $56,000 | $189,000 |
| White | 9 | $955,000 | $106,000 | $185,000 | $93,000 | $160,000 |
| Not applicable | 3 | $385,000 | $128,000 | $195,000 | $0 | $0 |
| Not Provided | 2 | $180,000 | $90,000 | $125,000 | $65,000 | $67,000 |
| Hispanic | 2 | $160,000 | $80,000 | $85,000 | $76,000 | $100,000 |
| American Indian or Alaskan Native | 2 | $50,000 | $25,000 | $25,000 | $22,000 | $30,000 |
| Asian | 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) | 70 | $5,430,000 | $77,000 | $295,000 | $59,000 | $189,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,220,000 | $122,000 | $165,000 | $63,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 39 | $3,565,000 | $91,000 | $165,000 | $53,000 | $188,000 |
| Loan Originated | 24 | $1,630,000 | $67,000 | $295,000 | $63,000 | $189,000 |
| Application Withdrawn By Applicant | 7 | $465,000 | $66,000 | $125,000 | $74,000 | $160,000 |
| Application Approved But Not Accepted | 7 | $655,000 | $93,000 | $155,000 | $74,000 | $137,000 |
| File Closed For Incompleteness | 2 | $190,000 | $95,000 | $115,000 | $40,000 | $52,000 |
| Loan Purchased By The Institution | 2 | $330,000 | $165,000 | $195,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 41 | $3,245,000 | $79,000 | $295,000 | $67,000 | $189,000 |
| Credit History | 24 | $2,240,000 | $93,000 | $165,000 | $59,000 | $188,000 |
| Debt-To-Income Ratio | 8 | $670,000 | $83,000 | $165,000 | $31,000 | $57,000 |
| Credit Application Incomplete | 2 | $150,000 | $75,000 | $85,000 | $0 | $0 |
| Other | 2 | $100,000 | $50,000 | $75,000 | $44,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $290,000 | $145,000 | $165,000 | $71,000 | $104,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $47,000 | $47,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $69,000 | $69,000 |
| Employment History | 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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