Simpson County, MS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 917 mortgage applications in Simpson County, MS totaling $116.0 million, down 19% from 2022. The average application was for $126,000, and applicants reported an average income of $75,000. 38% of applications resulted in an originated loan and 30% were denied. The most active lender was 21st Mortgage, with 137 applications, followed by Vanderbilt Mortgage and Finance, Inc 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 | 917 |
| Total Mortgage Loan Application Amount | $115,975,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $1,395,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $1,136,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| 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 | 137 | $ 15,205,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 107 | $ 10,015,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 18,013,146,000 | 64 | $ 6,780,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 60 | $ 7,320,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 987,478,000 | 46 | $ 5,190,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 467,010,000 | 44 | $ 5,120,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 41 | $ 2,695,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 32 | $ 2,880,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 25 | $ 2,705,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 19 | $ 1,935,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 16 | $ 3,300,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 15 | $ 1,575,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 4,608,467,000 | 14 | $ 1,840,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 14 | $ 1,350,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 12 | $ 1,980,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 11 | $ 1,355,000 |
| Ferguson Federal Credit Union 1026 EAST BROAD ST MONTICELLO, MS 39654 |
* | $ 90,695,000 | 11 | $ 895,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 9 | $ 1,505,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 9 | $ 2,165,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 8 | $ 1,610,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 8 | $ 720,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 8 | $ 1,110,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,675,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 7 | $ 415,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ -1,000 | 7 | $ 975,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 7 | $ 1,395,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 6 | $ 1,450,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 5 | $ 595,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 755,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 1,675,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 4,186,102,000 | 5 | $ 595,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 5 | $ 1,165,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 1,991,593,000 | 4 | $ 620,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 4 | $ 1,170,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 7,028,113,000 | 4 | $ 500,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 640,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 4 | $ 760,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 840,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 460,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 4 | $ 660,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 6,463,617,000 | 4 | $ 740,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 460,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 4 | $ 1,060,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 4 | $ 270,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 3 | $ 705,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 43,900,126,000 | 3 | $ 245,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 395,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 695,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 485,000 |
| Primis Bank GLEN ALLEN, VA 23060 |
* | $ -1,000 | 3 | $ 635,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 7,415,263,000 | 3 | $ 875,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 275,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 370,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 2 | $ 370,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 80,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ -1,000 | 2 | $ 200,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 2 | $ 570,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 2 | $ 400,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 2 | $ 350,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 630,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 440,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 410,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 2,258,187,000 | 2 | $ 1,600,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 335,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 1 | $ 105,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 401,943,000 | 1 | $ 325,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 420,883,000 | 1 | $ 55,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ 273,517,000 | 1 | $ 175,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 305,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 135,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 125,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 115,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 405,000 |
| The Farmers Bank P. O. BOX 10, 120 VILLAGE DRIVE PORTLAND, TN 37148 |
* | $ 842,410,000 | 1 | $ 145,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 95,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 75,000 |
| New Orleans Firemen's Federal 4401 W. NAPOLEON AVE. METAIRIE, LA 70001 |
* | $ 246,154,000 | 1 | $ 175,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 15,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 155,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 35,158,162,000 | 1 | $ 165,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 135,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 708,340,000 | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 115,000 |
| Merchants & Marine Bank P. O. BOX 729 PASCAGOULA, MS 39567 |
* | $ 687,181,000 | 1 | $ 285,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 115,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 95,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ 12,354,380,000 | 1 | $ 165,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 325,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 2,402,492,000 | 1 | $ 475,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 195,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 165,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 1 | $ 105,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 145,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ -1,000 | 1 | $ 185,000 |
The tables below break down 2023 mortgage applications in Simpson 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 Simpson County, MS in 2023
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 | 645 | $86,945,000 | $134,000 | $1,395,000 | $69,000 | $1,136,000 |
| Refinancing | 84 | $9,860,000 | $117,000 | $505,000 | $100,000 | $316,000 |
| Cash-out Refinancing | 73 | $11,455,000 | $156,000 | $515,000 | $79,000 | $224,000 |
| Other Purpose | 65 | $4,635,000 | $71,000 | $305,000 | $75,000 | $317,000 |
| Home Improvement | 48 | $2,890,000 | $60,000 | $245,000 | $89,000 | $281,000 |
| Not Applicable | 2 | $190,000 | $95,000 | $115,000 | $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 |
|---|---|---|---|---|---|---|
| White | 475 | $58,895,000 | $123,000 | $725,000 | $83,000 | $1,136,000 |
| Black or African American | 302 | $32,570,000 | $107,000 | $505,000 | $61,000 | $348,000 |
| Not applicable | 63 | $13,165,000 | $208,000 | $1,395,000 | $105,000 | $106,000 |
| Not Provided | 54 | $9,020,000 | $167,000 | $425,000 | $87,000 | $319,000 |
| Hispanic | 14 | $1,870,000 | $133,000 | $225,000 | $50,000 | $128,000 |
| American Indian or Alaskan Native | 8 | $310,000 | $38,000 | $75,000 | $52,000 | $148,000 |
| Asian | 1 | $145,000 | $145,000 | $145,000 | $52,000 | $52,000 |
| 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) | 730 | $81,650,000 | $111,000 | $1,395,000 | $74,000 | $1,136,000 |
| FHA-insured (Federal Housing Administration) | 128 | $21,890,000 | $171,000 | $375,000 | $74,000 | $319,000 |
| VA-guaranteed (Veterans Administration) | 33 | $8,045,000 | $243,000 | $525,000 | $105,000 | $258,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $4,390,000 | $168,000 | $225,000 | $66,000 | $104,000 |
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 | 352 | $46,440,000 | $131,000 | $1,395,000 | $90,000 | $1,136,000 |
| Application Denied By Financial Institution | 279 | $29,665,000 | $106,000 | $425,000 | $57,000 | $348,000 |
| File Closed For Incompleteness | 107 | $12,085,000 | $112,000 | $405,000 | $71,000 | $240,000 |
| Application Withdrawn By Applicant | 72 | $11,210,000 | $155,000 | $525,000 | $80,000 | $258,000 |
| Application Approved But Not Accepted | 55 | $6,395,000 | $116,000 | $605,000 | $64,000 | $163,000 |
| Loan Purchased By The Institution | 52 | $10,180,000 | $195,000 | $555,000 | $124,000 | $248,000 |
| 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 | 599 | $81,825,000 | $136,000 | $1,395,000 | $83,000 | $1,136,000 |
| Credit History | 168 | $16,540,000 | $98,000 | $305,000 | $59,000 | $348,000 |
| Debt-To-Income Ratio | 101 | $11,765,000 | $116,000 | $605,000 | $57,000 | $257,000 |
| Unverifiable Information | 14 | $1,300,000 | $92,000 | $155,000 | $67,000 | $247,000 |
| Collateral | 11 | $1,625,000 | $147,000 | $425,000 | $75,000 | $211,000 |
| Credit Application Incomplete | 11 | $1,485,000 | $135,000 | $275,000 | $59,000 | $142,000 |
| Other | 8 | $670,000 | $83,000 | $165,000 | $53,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $680,000 | $170,000 | $295,000 | $53,000 | $91,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $30,000 | $30,000 |
| 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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