Smith County, MS Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 417 mortgage applications in Smith County, MS totaling $36.1 million, down 10% from 2016. The average application was for $86,000, and applicants reported an average income of $61,000. 48% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 70 applications, followed by Community Bank of Mississippi and Vanderbilt Mortgage and Finance, Inc.
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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 | 417 |
| Total Mortgage Loan Application Amount | $36,137,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $859,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $929,000 |
* 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 | 70 | $ 4,167,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 797,048,000 | 51 | $ 3,863,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 29 | $ 1,880,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,350,429,000 | 29 | $ 1,933,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 14,723,604,000 | 23 | $ 2,832,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 284,312,000 | 20 | $ 1,651,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 298,752,000 | 19 | $ 1,441,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 588,215,000 | 11 | $ 1,096,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 11 | $ 928,000 |
| The Bank of Forest 211 WEST THIRD STREET FOREST, MS 39074 |
* | $ 158,482,000 | 8 | $ 205,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 8 | $ 1,059,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 692,703,000 | 7 | $ 1,400,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 6 | $ 513,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 831,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,042,021,000 | 5 | $ 26,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 5 | $ 541,000 |
| Omnibank 236 E CAPITOL ST JACKSON, MS 39201 |
* | $ 48,573,000 | 5 | $ 112,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ 202,468,000 | 4 | $ 268,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 353,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,896,533,000 | 4 | $ 279,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 56,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 608,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 3 | $ 357,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 3 | $ 435,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 3 | $ 318,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 3 | $ 401,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 2 | $ 157,000 |
| Bankers Mortgage Center, Inc. 909 NORTH 18TH STREET STE 110 MONROE, LA 71201 |
* | $ -1,000 | 2 | $ 433,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 2 | $ 197,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,186,502,000 | 2 | $ 277,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 2 | $ 91,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 171,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 205,000 |
| Liberty Bank 6600 PLAZA DRIVE NEW ORLEANS, LA 70127 |
* | $ 624,901,000 | 2 | $ 90,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 2 | $ 237,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 2 | $ 264,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 141,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 2 | $ 147,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,679,507,000 | 1 | $ 31,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ -1,000 | 1 | $ 155,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 68,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,277,552,000 | 1 | $ 175,000 |
| Riverland Federal Credit Union 639 LOYOLA AVENUE STE 220 NEW ORLEANS, LA 70113 |
* | $ 220,567,000 | 1 | $ 224,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 180,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ 0 | 1 | $ 63,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ 772,562,000 | 1 | $ 131,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 8,676,168,000 | 1 | $ 256,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 125,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 2,470,586,000 | 1 | $ 177,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 916,921,000 | 1 | $ 808,000 |
| Newton Federal Bank 3175 HIGHWAY 278 COVINGTON, GA 30014 |
* | $ 239,382,000 | 1 | $ 45,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 67,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 23,887,875,000 | 1 | $ 5,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 1 | $ 155,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,000,620,000 | 1 | $ 72,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 195,406,000 | 1 | $ 57,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 196,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 6,584,834,000 | 1 | $ 112,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 213,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 81,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 270,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 162,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 98,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ -1,000 | 1 | $ 81,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,315,467,000 | 1 | $ 3,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 927,725,000 | 1 | $ 7,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 405,496,000 | 1 | $ 133,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 115,000 |
The tables below break down 2017 mortgage applications in Smith 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 Smith County, MS in 2017
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 | 241 | $20,688,000 | $85,000 | $859,000 | $56,000 | $587,000 |
| Refinancing | 135 | $14,098,000 | $104,000 | $808,000 | $69,000 | $929,000 |
| Home Improvement | 41 | $1,351,000 | $32,000 | $239,000 | $59,000 | $189,000 |
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 | 297 | $25,850,000 | $87,000 | $859,000 | $67,000 | $929,000 |
| Black or African American | 74 | $4,983,000 | $67,000 | $209,000 | $47,000 | $215,000 |
| Not applicable | 24 | $3,551,000 | $147,000 | $808,000 | $22,000 | $126,000 |
| Not Provided | 16 | $1,408,000 | $88,000 | $242,000 | $64,000 | $122,000 |
| Hispanic | 4 | $189,000 | $47,000 | $95,000 | $37,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $91,000 | $91,000 | $91,000 | $34,000 | $34,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $85,000 | $85,000 |
| American Indian or Alaskan Native | 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) | 348 | $27,466,000 | $78,000 | $859,000 | $62,000 | $929,000 |
| FHA-insured (Federal Housing Administration) | 36 | $4,665,000 | $129,000 | $270,000 | $61,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,927,000 | $107,000 | $146,000 | $24,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,079,000 | $138,000 | $207,000 | $79,000 | $122,000 |
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 | 200 | $18,484,000 | $92,000 | $859,000 | $71,000 | $929,000 |
| Application Denied By Financial Institution | 115 | $7,530,000 | $65,000 | $196,000 | $48,000 | $587,000 |
| Application Withdrawn By Applicant | 32 | $3,296,000 | $103,000 | $270,000 | $69,000 | $151,000 |
| Loan Purchased By The Institution | 29 | $3,777,000 | $130,000 | $242,000 | $35,000 | $126,000 |
| File Closed For Incompleteness | 28 | $1,927,000 | $68,000 | $180,000 | $54,000 | $189,000 |
| Application Approved But Not Accepted | 13 | $1,123,000 | $86,000 | $239,000 | $58,000 | $122,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $739,000 | $43,000 | $152,000 | $45,000 | $88,000 |
| Debt-To-Income Ratio | 10 | $764,000 | $76,000 | $177,000 | $43,000 | $96,000 |
| Collateral | 6 | $576,000 | $96,000 | $177,000 | $54,000 | $70,000 |
| Credit Application Incomplete | 5 | $313,000 | $62,000 | $84,000 | $63,000 | $95,000 |
| Other | 1 | $1,000 | $1,000 | $1,000 | $11,000 | $11,000 |
| Unverifiable Information | 1 | $53,000 | $53,000 | $53,000 | $33,000 | $33,000 |
| Employment History | 1 | $91,000 | $91,000 | $91,000 | $49,000 | $49,000 |
| 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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