Union County, MS Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 583 mortgage applications in Union County, MS totaling $53.4 million, down 27% from 2013. The average application was for $91,000, and applicants reported an average income of $56,000. 54% of applications resulted in an originated loan and 25% were denied. The most active lender was Renasant Bank, with 90 applications, followed by Cadence Bank and 21st Mortgage.
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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 | 583 |
| Total Mortgage Loan Application Amount | $53,353,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $628,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $2,811,000 |
* 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 |
|---|---|---|---|---|
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,733,100,000 | 90 | $ 7,397,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,032,498,000 | 68 | $ 6,355,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 64 | $ 3,248,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 38 | $ 2,248,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 28 | $ 3,793,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 28 | $ 2,805,000 |
| Bank of Holly Springs 970 HIGHWAY 7 SOUTH HOLLY SPRINGS, MS 38635 |
* | $ 203,356,000 | 23 | $ 1,068,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 20 | $ 3,504,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 16 | $ 2,081,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 16 | $ 1,859,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 15 | $ 1,467,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 14 | $ 1,444,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 11 | $ 758,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 9 | $ 1,252,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 11,681,215,000 | 8 | $ 1,158,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 8 | $ 870,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 733,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 517,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 7 | $ 142,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 6 | $ 618,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 670,000 |
| Community Bank, North Mississippi P. O. BOX 270 AMORY, MS 38821 |
* | $ 475,742,000 | 5 | $ 783,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 280,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 366,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 3 | $ 333,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 3 | $ 501,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 224,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 2 | $ 6,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,884,304,000 | 2 | $ 105,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 2 | $ 130,000 |
| Mississippi Federal Credit Union P. O. BOX 55889 JACKSON, MS 39296 |
* | $ 94,762,000 | 2 | $ 103,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 242,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 105,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 203,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 107,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 183,000 |
| Merchants & Farmers Bank 650 HWY 7 SOUTH HOLLY SPRINGS, MS 38635 |
* | $ 89,506,000 | 2 | $ 58,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 187,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 436,956,000 | 1 | $ 148,000 |
| The Old Point National Bank of Phoebus 1 W MELLEN STREET HAMPTON, VA 23669 |
* | $ 859,578,000 | 1 | $ 63,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 3,870,208,000 | 1 | $ 5,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 108,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 189,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 91,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 44,000 |
| Leaders Credit Union 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 213,352,000 | 1 | $ 90,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 691,820,000 | 1 | $ 172,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 67,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 114,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 986,791,000 | 1 | $ 128,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 1 | $ 40,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,933,259,000 | 1 | $ 24,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 690,026,000 | 1 | $ 25,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 200,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 122,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 106,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 101,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 133,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 81,000 |
The tables below break down 2014 mortgage applications in Union 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 Union County, MS in 2014
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 | 293 | $27,763,000 | $94,000 | $374,000 | $48,000 | $318,000 |
| Refinancing | 238 | $23,461,000 | $98,000 | $628,000 | $66,000 | $2,811,000 |
| Home Improvement | 52 | $2,129,000 | $40,000 | $299,000 | $59,000 | $425,000 |
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 | 459 | $42,597,000 | $92,000 | $628,000 | $61,000 | $2,811,000 |
| Black or African American | 51 | $2,951,000 | $57,000 | $256,000 | $44,000 | $91,000 |
| Not applicable | 32 | $3,459,000 | $108,000 | $417,000 | $0 | $20,000 |
| Not Provided | 32 | $3,542,000 | $110,000 | $406,000 | $64,000 | $318,000 |
| Hispanic | 7 | $622,000 | $88,000 | $187,000 | $48,000 | $99,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $26,000 | $26,000 |
| Asian | 1 | $107,000 | $107,000 | $107,000 | $128,000 | $128,000 |
| 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) | 415 | $35,445,000 | $85,000 | $628,000 | $63,000 | $2,811,000 |
| FHA-insured (Federal Housing Administration) | 78 | $8,189,000 | $104,000 | $236,000 | $40,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $7,374,000 | $110,000 | $284,000 | $33,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 23 | $2,345,000 | $101,000 | $194,000 | $55,000 | $110,000 |
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 | 316 | $31,127,000 | $98,000 | $628,000 | $60,000 | $425,000 |
| Application Denied By Financial Institution | 143 | $10,866,000 | $75,000 | $417,000 | $61,000 | $2,811,000 |
| Loan Purchased By The Institution | 47 | $4,893,000 | $104,000 | $417,000 | $16,000 | $102,000 |
| Application Approved But Not Accepted | 33 | $2,317,000 | $70,000 | $374,000 | $47,000 | $135,000 |
| Application Withdrawn By Applicant | 27 | $2,349,000 | $87,000 | $188,000 | $48,000 | $212,000 |
| File Closed For Incompleteness | 17 | $1,801,000 | $105,000 | $200,000 | $76,000 | $318,000 |
| 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 | $1,487,000 | $87,000 | $417,000 | $56,000 | $149,000 |
| Debt-To-Income Ratio | 17 | $1,434,000 | $84,000 | $284,000 | $38,000 | $115,000 |
| Collateral | 6 | $1,017,000 | $169,000 | $268,000 | $76,000 | $128,000 |
| Credit Application Incomplete | 6 | $771,000 | $128,000 | $211,000 | $63,000 | $120,000 |
| Other | 4 | $398,000 | $99,000 | $131,000 | $42,000 | $64,000 |
| Unverifiable Information | 2 | $217,000 | $108,000 | $154,000 | $55,000 | $66,000 |
| Employment History | 2 | $78,000 | $39,000 | $54,000 | $34,000 | $37,000 |
| 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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