Sharkey County, MS Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 78 mortgage applications in Sharkey County, MS totaling $7.6 million, up 77% from 2020. The average application was for $97,000, and applicants reported an average income of $62,000. 36% of applications resulted in an originated loan and 31% were denied. The most active lender was 21st Mortgage, with 15 applications, followed by Reliant 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 | 78 |
| Total Mortgage Loan Application Amount | $7,610,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $206,000 |
| 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 | 15 | $ 1,225,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 5 | $ 415,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,495,944,000 | 4 | $ 310,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 4 | $ 180,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,971,297,000 | 3 | $ 245,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 535,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 216,098,000 | 3 | $ 305,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 1,040,564,000 | 2 | $ 110,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 21,061,188,000 | 2 | $ 290,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 3,259,650,000 | 2 | $ 130,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 150,000 |
| Home Bank National Association PO BOX 81459, 503 KALISTE SALOOM RD. LAFAYETTE, LA 70598 |
* | $ 2,195,856,000 | 2 | $ 150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 320,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 110,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 2 | $ 130,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 75,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 43,126,164,000 | 1 | $ 55,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 85,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 95,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,165,396,000 | 1 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 65,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 1 | $ 175,000 |
| Copiah Bank 101 CALDWELL DRIVE HAZLEHURST, MS 39083 |
* | $ 227,306,000 | 1 | $ 45,000 |
| Century Bank P O BOX 647 LUCEDALE, MS 39452 |
* | $ 333,115,000 | 1 | $ 75,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 5,294,103,000 | 1 | $ 225,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 705,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 105,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 105,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 45,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 75,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 45,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 275,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 1 | $ 155,000 |
The tables below break down 2021 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 2021
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 | 51 | $4,275,000 | $83,000 | $275,000 | $59,000 | $206,000 |
| Refinancing | 15 | $2,535,000 | $169,000 | $705,000 | $71,000 | $174,000 |
| Cash-out Refinancing | 6 | $370,000 | $61,000 | $85,000 | $35,000 | $56,000 |
| Home Improvement | 3 | $155,000 | $51,000 | $55,000 | $100,000 | $150,000 |
| Other Purpose | 3 | $275,000 | $91,000 | $155,000 | $83,000 | $130,000 |
| 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 | 41 | $4,305,000 | $105,000 | $705,000 | $56,000 | $130,000 |
| White | 27 | $2,215,000 | $82,000 | $225,000 | $76,000 | $206,000 |
| Not applicable | 5 | $565,000 | $113,000 | $155,000 | $0 | $0 |
| Not Provided | 4 | $370,000 | $92,000 | $125,000 | $29,000 | $62,000 |
| American Indian or Alaskan Native | 1 | $155,000 | $155,000 | $155,000 | $43,000 | $43,000 |
| 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) | 56 | $4,950,000 | $88,000 | $275,000 | $69,000 | $206,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,025,000 | $93,000 | $205,000 | $35,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,200,000 | $200,000 | $705,000 | $35,000 | $41,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $435,000 | $87,000 | $155,000 | $31,000 | $45,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 28 | $2,840,000 | $101,000 | $275,000 | $68,000 | $206,000 |
| Application Denied By Financial Institution | 24 | $1,710,000 | $71,000 | $155,000 | $50,000 | $130,000 |
| File Closed For Incompleteness | 10 | $840,000 | $84,000 | $225,000 | $59,000 | $151,000 |
| Application Withdrawn By Applicant | 9 | $1,435,000 | $159,000 | $705,000 | $84,000 | $150,000 |
| Loan Purchased By The Institution | 7 | $785,000 | $112,000 | $175,000 | $51,000 | $77,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 50 | $5,530,000 | $110,000 | $705,000 | $64,000 | $174,000 |
| Debt-To-Income Ratio | 13 | $1,025,000 | $78,000 | $145,000 | $64,000 | $206,000 |
| Credit History | 9 | $665,000 | $73,000 | $155,000 | $60,000 | $130,000 |
| Credit Application Incomplete | 3 | $235,000 | $78,000 | $145,000 | $53,000 | $76,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $57,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $32,000 | $32,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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