Sharkey County, MS Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 25 mortgage applications in Sharkey County, MS totaling $1.8 million, down 39% from 2018. The average application was for $71,000, and applicants reported an average income of $45,000. 28% of applications resulted in an originated loan and 52% were denied. The most active lender was Regions Bank, with 4 applications, followed by Trustmark Bank and PHH Mortgage Corporation.
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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 | 25 |
| Total Mortgage Loan Application Amount | $1,795,000 |
| Average Mortgage Loan Application Amount | $71,000 |
| Highest Mortgage Loan Application Amount | $235,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $127,000 |
| 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 |
* | $ 124,716,588,000 | 4 | $ 110,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,284,058,000 | 3 | $ 45,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 65,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 1 | $ 175,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 45,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 35,000 |
| Riverhills Bank 702 MARKET STREET PORT GIBSON, MS 39150 |
* | $ 315,992,000 | 1 | $ 55,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,761,289,000 | 1 | $ 175,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 155,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 235,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 125,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 1 | $ 55,000 |
| Planters Bank and Trust Company P. O. BOX 31 INDIANOLA, MS 38751 |
* | $ 1,047,355,000 | 1 | $ 105,000 |
| Inova Federal Credit Union 358 S ELKHART AVENUE ELKHART, IN 46516 |
* | $ 392,255,000 | 1 | $ 75,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 18,008,424,000 | 1 | $ 45,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 3,239,014,000 | 1 | $ 25,000 |
The tables below break down 2019 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 2019
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 | 7 | $535,000 | $76,000 | $175,000 | $56,000 | $90,000 |
| Other Purpose | 6 | $260,000 | $43,000 | $75,000 | $38,000 | $42,000 |
| Refinancing | 5 | $525,000 | $105,000 | $235,000 | $16,000 | $16,000 |
| Cash-out Refinancing | 5 | $425,000 | $85,000 | $125,000 | $50,000 | $127,000 |
| Home Improvement | 2 | $50,000 | $25,000 | $35,000 | $38,000 | $45,000 |
| 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 | 11 | $585,000 | $53,000 | $155,000 | $48,000 | $127,000 |
| White | 9 | $895,000 | $99,000 | $235,000 | $37,000 | $62,000 |
| Not Provided | 3 | $185,000 | $61,000 | $75,000 | $53,000 | $90,000 |
| Not applicable | 2 | $130,000 | $65,000 | $105,000 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 22 | $1,480,000 | $67,000 | $235,000 | $42,000 | $90,000 |
| FHA-insured (Federal Housing Administration) | 2 | $160,000 | $80,000 | $125,000 | $73,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 1 | $155,000 | $155,000 | $155,000 | $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 | 13 | $765,000 | $58,000 | $235,000 | $40,000 | $90,000 |
| Loan Originated | 7 | $605,000 | $86,000 | $175,000 | $57,000 | $127,000 |
| Application Approved But Not Accepted | 2 | $20,000 | $10,000 | $15,000 | $35,000 | $55,000 |
| Application Withdrawn By Applicant | 1 | $75,000 | $75,000 | $75,000 | $49,000 | $49,000 |
| File Closed For Incompleteness | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| Loan Purchased By The Institution | 1 | $175,000 | $175,000 | $175,000 | $62,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 12 | $1,030,000 | $85,000 | $175,000 | $51,000 | $127,000 |
| Credit History | 8 | $300,000 | $37,000 | $75,000 | $40,000 | $55,000 |
| Debt-To-Income Ratio | 2 | $290,000 | $145,000 | $235,000 | $28,000 | $41,000 |
| Collateral | 2 | $110,000 | $55,000 | $75,000 | $59,000 | $90,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $25,000 | $25,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
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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