Sharkey County, MS Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 52 mortgage applications in Sharkey County, MS totaling $4.0 million, down 10% from 2013. The average application was for $76,000, and applicants reported an average income of $52,000. 38% of applications resulted in an originated loan and 52% were denied. The most active lender was Regions Bank, with 9 applications, followed by Guaranty Bank & Trust Company 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 | 52 |
| Total Mortgage Loan Application Amount | $3,991,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $297,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $350,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 9 | $ 350,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 586,512,000 | 7 | $ 200,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 324,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 537,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 220,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 432,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,032,498,000 | 2 | $ 62,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 122,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 11,681,215,000 | 2 | $ 433,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 2 | $ 65,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 45,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 33,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 5,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 229,000 |
| Kondaur Capital Corporation 333 S ANITA DR STE 400 ORANGE, CA 92868 |
* | $ 54,713,000 | 1 | $ 214,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 598,835,000 | 1 | $ 73,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 174,491,000 | 1 | $ 3,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 1 | $ 71,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,733,100,000 | 1 | $ 132,000 |
The tables below break down 2014 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 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 | 21 | $1,783,000 | $84,000 | $229,000 | $53,000 | $134,000 |
| Refinancing | 19 | $2,104,000 | $110,000 | $297,000 | $48,000 | $119,000 |
| Home Improvement | 12 | $104,000 | $8,000 | $56,000 | $56,000 | $350,000 |
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 | 31 | $2,110,000 | $68,000 | $240,000 | $32,000 | $84,000 |
| White | 10 | $1,111,000 | $111,000 | $297,000 | $89,000 | $128,000 |
| Not Provided | 8 | $669,000 | $83,000 | $229,000 | $92,000 | $350,000 |
| Not applicable | 2 | $39,000 | $19,000 | $21,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $62,000 | $62,000 | $62,000 | $66,000 | $66,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 37 | $2,346,000 | $63,000 | $297,000 | $52,000 | $350,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,424,000 | $129,000 | $229,000 | $53,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $99,000 | $49,000 | $56,000 | $34,000 | $36,000 |
| VA-guaranteed (Veterans Administration) | 2 | $122,000 | $61,000 | $89,000 | $62,000 | $84,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 27 | $1,871,000 | $69,000 | $240,000 | $48,000 | $350,000 |
| Loan Originated | 20 | $1,514,000 | $75,000 | $297,000 | $58,000 | $128,000 |
| File Closed For Incompleteness | 2 | $444,000 | $222,000 | $229,000 | $67,000 | $134,000 |
| Application Approved But Not Accepted | 1 | $74,000 | $74,000 | $74,000 | $47,000 | $47,000 |
| Application Withdrawn By Applicant | 1 | $43,000 | $43,000 | $43,000 | $36,000 | $36,000 |
| Loan Purchased By The Institution | 1 | $45,000 | $45,000 | $45,000 | $25,000 | $25,000 |
| 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 | 5 | $256,000 | $51,000 | $214,000 | $34,000 | $51,000 |
| Other | 2 | $222,000 | $111,000 | $217,000 | $0 | $1,000 |
| Collateral | 1 | $62,000 | $62,000 | $62,000 | $66,000 | $66,000 |
| Credit Application Incomplete | 1 | $147,000 | $147,000 | $147,000 | $128,000 | $128,000 |
| Debt-To-Income Ratio | 1 | $1,000 | $1,000 | $1,000 | $23,000 | $23,000 |
| 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 |
| 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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