Sharkey County, MS Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 58 mortgage applications in Sharkey County, MS totaling $3.5 million, about the same as 2012. The average application was for $60,000, and applicants reported an average income of $69,000. 43% of applications resulted in an originated loan and 31% were denied. The most active lender was Guaranty Bank & Trust Company, with 7 applications, followed by Regions Bank and Trustmark 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 | 58 |
| Total Mortgage Loan Application Amount | $3,482,000 |
| Average Mortgage Loan Application Amount | $60,000 |
| Highest Mortgage Loan Application Amount | $562,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $720,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 568,171,000 | 7 | $ 85,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 6 | $ 400,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 9,716,802,000 | 6 | $ 324,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 168,997,000 | 4 | $ 136,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 156,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 3 | $ 261,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 3 | $ 125,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 137,000 |
| Mississippi Federal Credit Union P. O. BOX 55889 JACKSON, MS 39296 |
* | $ 90,993,000 | 2 | $ 44,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,390,496,000 | 2 | $ 64,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 154,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,243,098,000 | 2 | $ 34,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 718,364,000 | 1 | $ 54,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 80,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 55,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 1 | $ 15,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 1 | $ 74,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 1,117,585,000 | 1 | $ 50,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 84,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 84,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,256,147,000 | 1 | $ 56,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 47,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 5,130,184,000 | 1 | $ 55,000 |
| Renasant Bk 201 SOUTH JACKSON ST CRYSTAL SPRINGS, MS 39059 |
* | $ 721,550,000 | 1 | $ 562,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 249,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,209,458,000 | 1 | $ 55,000 |
The tables below break down 2013 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 2013
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 | 29 | $1,619,000 | $55,000 | $108,000 | $73,000 | $720,000 |
| Refinancing | 16 | $1,579,000 | $98,000 | $562,000 | $58,000 | $170,000 |
| Home Improvement | 13 | $284,000 | $21,000 | $160,000 | $72,000 | $244,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 25 | $1,173,000 | $46,000 | $95,000 | $43,000 | $118,000 |
| White | 24 | $1,413,000 | $58,000 | $249,000 | $114,000 | $720,000 |
| Not applicable | 4 | $756,000 | $189,000 | $562,000 | $0 | $0 |
| Not Provided | 3 | $128,000 | $42,000 | $51,000 | $15,000 | $30,000 |
| Hispanic | 2 | $12,000 | $6,000 | $7,000 | $62,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 46 | $2,667,000 | $57,000 | $562,000 | $78,000 | $720,000 |
| FHA-insured (Federal Housing Administration) | 7 | $429,000 | $61,000 | $108,000 | $41,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $386,000 | $77,000 | $97,000 | $28,000 | $48,000 |
| VA-guaranteed (Veterans Administration) | 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 25 | $1,589,000 | $63,000 | $562,000 | $83,000 | $465,000 |
| Application Denied By Financial Institution | 18 | $921,000 | $51,000 | $249,000 | $31,000 | $118,000 |
| Application Withdrawn By Applicant | 6 | $448,000 | $74,000 | $160,000 | $77,000 | $244,000 |
| Loan Purchased By The Institution | 4 | $268,000 | $67,000 | $74,000 | $12,000 | $48,000 |
| Application Approved But Not Accepted | 3 | $144,000 | $48,000 | $53,000 | $34,000 | $42,000 |
| File Closed For Incompleteness | 2 | $112,000 | $56,000 | $84,000 | $378,000 | $720,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 6 | $430,000 | $71,000 | $249,000 | $20,000 | $28,000 |
| Credit History | 4 | $74,000 | $18,000 | $51,000 | $64,000 | $118,000 |
| Collateral | 3 | $164,000 | $54,000 | $75,000 | $22,000 | $30,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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