Sharkey County, MS Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 44 mortgage applications in Sharkey County, MS totaling $3.1 million, up 76% from 2019. The average application was for $69,000, and applicants reported an average income of $52,000. 45% of applications resulted in an originated loan and 30% were denied. The most active lender was 21st Mortgage, with 7 applications, followed by Trustmark Bank and Reliant 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 | 44 |
| Total Mortgage Loan Application Amount | $3,070,000 |
| Average Mortgage Loan Application Amount | $69,000 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $168,000 |
| 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 |
* | $ -1,000 | 7 | $ 335,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,495,944,000 | 7 | $ 475,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 5 | $ 285,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 1,040,564,000 | 4 | $ 210,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 580,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 4 | $ 210,000 |
| Planters Bank and Trust Company P. O. BOX 31 INDIANOLA, MS 38751 |
* | $ 1,098,217,000 | 3 | $ 265,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 75,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 3,259,650,000 | 1 | $ 25,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,971,297,000 | 1 | $ 75,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 216,098,000 | 1 | $ 85,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 45,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 105,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 1 | $ 105,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 15,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 55,000 |
The tables below break down 2020 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 2020
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 | $1,815,000 | $62,000 | $145,000 | $43,000 | $108,000 |
| Refinancing | 9 | $895,000 | $99,000 | $205,000 | $72,000 | $168,000 |
| Other Purpose | 2 | $70,000 | $35,000 | $55,000 | $78,000 | $120,000 |
| Cash-out Refinancing | 2 | $190,000 | $95,000 | $105,000 | $83,000 | $128,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $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 | 24 | $1,440,000 | $60,000 | $125,000 | $46,000 | $168,000 |
| White | 12 | $870,000 | $72,000 | $125,000 | $63,000 | $128,000 |
| Not applicable | 5 | $395,000 | $79,000 | $145,000 | $0 | $0 |
| Not Provided | 2 | $350,000 | $175,000 | $205,000 | $57,000 | $57,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $58,000 | $58,000 |
| 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) | 35 | $1,995,000 | $57,000 | $145,000 | $52,000 | $168,000 |
| FHA-insured (Federal Housing Administration) | 4 | $430,000 | $107,000 | $205,000 | $47,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $395,000 | $131,000 | $145,000 | $48,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 2 | $250,000 | $125,000 | $125,000 | $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 | 20 | $1,580,000 | $79,000 | $205,000 | $46,000 | $128,000 |
| Application Denied By Financial Institution | 13 | $615,000 | $47,000 | $85,000 | $54,000 | $120,000 |
| Application Approved But Not Accepted | 5 | $315,000 | $63,000 | $95,000 | $41,000 | $50,000 |
| File Closed For Incompleteness | 3 | $235,000 | $78,000 | $125,000 | $86,000 | $168,000 |
| Loan Purchased By The Institution | 2 | $200,000 | $100,000 | $125,000 | $0 | $0 |
| Application Withdrawn By Applicant | 1 | $125,000 | $125,000 | $125,000 | $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 | 30 | $2,370,000 | $79,000 | $205,000 | $51,000 | $168,000 |
| Credit History | 6 | $300,000 | $50,000 | $65,000 | $67,000 | $120,000 |
| Debt-To-Income Ratio | 5 | $275,000 | $55,000 | $85,000 | $30,000 | $39,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Unverifiable Information | 1 | $15,000 | $15,000 | $15,000 | $58,000 | $58,000 |
| Collateral | 1 | $55,000 | $55,000 | $55,000 | $108,000 | $108,000 |
| 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 |
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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