Simpson County, MS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 984 mortgage applications in Simpson County, MS totaling $129.3 million, up 7% from 2023. The average application was for $131,000, and applicants reported an average income of $79,000. 42% of applications resulted in an originated loan and 24% were denied. The most active lender was 21st Mortgage, with 170 applications, followed by Vanderbilt Mortgage and Finance, Inc and Priorityone 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 | 984 |
| Total Mortgage Loan Application Amount | $129,260,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $620,000 |
* 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 |
* | $ n/a | 170 | $ 16,690,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 89 | $ 9,095,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ n/a | 68 | $ 10,910,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 66 | $ 7,890,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 52 | $ 6,200,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 44 | $ 5,220,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ n/a | 43 | $ 2,975,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 29 | $ 2,215,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 29 | $ 5,765,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 21 | $ 5,535,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 21 | $ 2,805,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 19 | $ 1,775,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ n/a | 18 | $ 2,810,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 17 | $ 1,715,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 14 | $ 2,670,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 13 | $ 805,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 12 | $ 1,840,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 11 | $ 2,045,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 10 | $ 1,170,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 10 | $ 1,470,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 9 | $ 1,115,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 8 | $ 1,140,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 8 | $ 1,880,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 7 | $ 1,905,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 455,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 6 | $ 1,720,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 6 | $ 860,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 5 | $ 705,000 |
| Ferguson Federal Credit Union 1026 EAST BROAD ST MONTICELLO, MS 39654 |
* | $ n/a | 5 | $ 615,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 5 | $ 815,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 1,025,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 5 | $ 1,015,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ n/a | 5 | $ 665,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ n/a | 5 | $ 675,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 4 | $ 720,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 4 | $ 590,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 1,030,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 4 | $ 500,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 700,000 |
| Copiah Bank 101 CALDWELL DRIVE HAZLEHURST, MS 39083 |
* | $ n/a | 4 | $ 190,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ n/a | 4 | $ 670,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 4 | $ 550,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ n/a | 4 | $ 520,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 185,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 625,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 3 | $ 505,000 |
| Residential Acceptance Corporation. Rac. 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ n/a | 3 | $ 625,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 295,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ n/a | 3 | $ 495,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ n/a | 2 | $ 210,000 |
| Home Mortgage Alliance Corp (Hmac) 4 HUTTON CENTER DR. SUITE 500 SANTA ANA, CA 92707 |
* | $ n/a | 2 | $ 150,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ n/a | 2 | $ 200,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 2 | $ 360,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 310,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 100,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 2 | $ 630,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 550,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 2 | $ 510,000 |
| Bank of Forest 211 WEST THIRD STREET FOREST, MS 39074 |
* | $ n/a | 2 | $ 770,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 220,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 290,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ n/a | 2 | $ 100,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 390,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 2 | $ 420,000 |
| Story Bank dba Story Financial Partners 1300 MEADOWBROOK ROAD JACKSON, MS 39211 |
* | $ n/a | 2 | $ 780,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 85,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 205,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 155,000 |
| Ussfcu 2750 EISENHOWER AVENUE ALEXANDRIA, VA 22314 |
* | $ n/a | 1 | $ 55,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 1 | $ 55,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 215,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ n/a | 1 | $ 265,000 |
| Liberty Bank 6600 PLAZA DRIVE NEW ORLEANS, LA 70127 |
* | $ n/a | 1 | $ 175,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ n/a | 1 | $ 115,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ n/a | 1 | $ 65,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 345,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 125,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 275,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 35,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ n/a | 1 | $ 295,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 275,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ n/a | 1 | $ 75,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 25,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ n/a | 1 | $ 105,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ n/a | 1 | $ 25,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ n/a | 1 | $ 65,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ n/a | 1 | $ 45,000 |
| Valley West Corporation 8010 W SAHARA AVE SUITE #140 LAS VEGAS, NV 89117 |
* | $ n/a | 1 | $ 285,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 65,000 |
| Navigator Credit Union P O BOX 1647 PASCAGOULA, MS 39568 |
* | $ n/a | 1 | $ 255,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 1 | $ 55,000 |
| Servis One, Inc 4200 REGENT BLVD SUIT B200 IRVING, TX 75063 |
* | $ n/a | 1 | $ 395,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ n/a | 1 | $ 155,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 135,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 105,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 285,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 1 | $ 85,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 145,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 1 | $ 165,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2024 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 2024
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 | 657 | $94,095,000 | $143,000 | $705,000 | $75,000 | $620,000 |
| Refinancing | 119 | $15,735,000 | $132,000 | $495,000 | $91,000 | $330,000 |
| Other Purpose | 81 | $5,275,000 | $65,000 | $305,000 | $79,000 | $323,000 |
| Cash-out Refinancing | 72 | $10,820,000 | $150,000 | $455,000 | $82,000 | $280,000 |
| Home Improvement | 55 | $3,335,000 | $60,000 | $205,000 | $103,000 | $381,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 500 | $65,920,000 | $131,000 | $505,000 | $85,000 | $550,000 |
| Black or African American | 270 | $30,630,000 | $113,000 | $405,000 | $65,000 | $620,000 |
| Not applicable | 139 | $19,985,000 | $143,000 | $705,000 | $208,000 | $208,000 |
| Not Provided | 58 | $10,330,000 | $178,000 | $505,000 | $96,000 | $432,000 |
| Hispanic | 11 | $1,535,000 | $139,000 | $275,000 | $62,000 | $102,000 |
| American Indian or Alaskan Native | 4 | $680,000 | $170,000 | $195,000 | $56,000 | $67,000 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $129,000 | $129,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $65,000 | $65,000 |
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) | 737 | $80,505,000 | $109,000 | $705,000 | $82,000 | $620,000 |
| FHA-insured (Federal Housing Administration) | 162 | $29,570,000 | $182,000 | $455,000 | $67,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 51 | $12,905,000 | $253,000 | $455,000 | $81,000 | $183,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $6,280,000 | $184,000 | $275,000 | $64,000 | $94,000 |
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 | 411 | $55,035,000 | $133,000 | $705,000 | $86,000 | $550,000 |
| Application Denied By Financial Institution | 238 | $25,740,000 | $108,000 | $395,000 | $63,000 | $460,000 |
| Loan Purchased By The Institution | 123 | $17,765,000 | $144,000 | $485,000 | $108,000 | $208,000 |
| Application Withdrawn By Applicant | 93 | $16,545,000 | $177,000 | $505,000 | $85,000 | $432,000 |
| File Closed For Incompleteness | 78 | $9,420,000 | $120,000 | $505,000 | $88,000 | $620,000 |
| Application Approved But Not Accepted | 41 | $4,755,000 | $115,000 | $335,000 | $74,000 | $214,000 |
| 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 | 693 | $97,965,000 | $141,000 | $505,000 | $86,000 | $620,000 |
| Credit History | 129 | $12,855,000 | $99,000 | $375,000 | $66,000 | $460,000 |
| Debt-To-Income Ratio | 101 | $11,075,000 | $109,000 | $705,000 | $64,000 | $246,000 |
| Unverifiable Information | 20 | $2,140,000 | $107,000 | $175,000 | $69,000 | $146,000 |
| Collateral | 12 | $1,770,000 | $147,000 | $395,000 | $74,000 | $188,000 |
| Other | 11 | $1,325,000 | $120,000 | $265,000 | $73,000 | $192,000 |
| Credit Application Incomplete | 10 | $1,130,000 | $113,000 | $185,000 | $74,000 | $168,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,000,000 | $125,000 | $225,000 | $65,000 | $158,000 |
| Mortgage Insurance Denied | 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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