Union County, MS Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 854 mortgage applications in Union County, MS totaling $99.3 million, up 19% from 2018. The average application was for $116,000, and applicants reported an average income of $67,000. 52% of applications resulted in an originated loan and 25% were denied. The most active lender was Renasant Bank, with 154 applications, followed by 21st Mortgage and Flagstar Bank NA.
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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 | 854 |
| Total Mortgage Loan Application Amount | $99,300,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $751,000 |
* 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 |
* | $ 12,915,178,000 | 154 | $ 18,440,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 142 | $ 9,690,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 77 | $ 13,525,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 18,008,424,000 | 63 | $ 7,035,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 45 | $ 3,675,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 41 | $ 4,235,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 25 | $ 4,625,000 |
| Bank of Holly Springs 970 HIGHWAY 7 SOUTH HOLLY SPRINGS, MS 38635 |
* | $ 217,727,000 | 16 | $ 890,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 16 | $ 2,460,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 11 | $ 525,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ -1,000 | 11 | $ 1,385,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 787,746,000 | 8 | $ 1,310,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 8 | $ 1,140,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 8 | $ 1,190,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 890,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,284,058,000 | 8 | $ 1,060,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 3,239,014,000 | 7 | $ 755,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 825,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 7 | $ 465,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,070,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 725,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 5 | $ 375,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 4 | $ 70,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 310,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 4 | $ 830,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 340,000 |
| Mississippi Land Bank, Aca 5509 US-51 SENATOBIA, MS 38668 |
* | $ -1,000 | 4 | $ 550,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,761,289,000 | 4 | $ 400,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 540,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 370,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 310,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 4 | $ 320,000 |
| Community Mortgage Corporation 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ -1,000 | 3 | $ 475,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 185,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 665,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 3 | $ 385,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 3 | $ 435,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 645,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 635,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 3 | $ 375,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 3 | $ 195,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 3 | $ 215,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 4,790,262,000 | 3 | $ 515,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ 404,037,000 | 3 | $ 265,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 365,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ -1,000 | 2 | $ 190,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 120,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 380,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 1,387,751,000 | 2 | $ 1,910,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 2 | $ 100,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 2 | $ 240,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 3,023,882,000 | 2 | $ 170,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 230,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 65,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 45,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 476,111,000 | 1 | $ 95,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 45,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 95,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 165,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 1 | $ 75,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 829,051,000 | 1 | $ 145,000 |
| Rivertrust Federal Credit Union P O BOX 97997 PEARL, MS 39288 |
* | $ 162,911,000 | 1 | $ 155,000 |
| Fort Financial Credit Union 3102 SPRING ST FORT WAYNE, IN 46818 |
* | $ 228,341,000 | 1 | $ 15,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 1 | $ 115,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 275,000 |
| Farmers-Merchants Bank of Illinois P.O. BOX 217 JOY, IL 61260 |
* | $ 173,321,000 | 1 | $ 175,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 55,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 1 | $ 45,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 32,077,582,000 | 1 | $ 95,000 |
| Holmes County Bank 316 COURT SQUARE LEXINGTON, MS 39095 |
* | $ 116,784,000 | 1 | $ 35,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 1 | $ 25,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 312,093,000 | 1 | $ 115,000 |
| Bartlett Mortgage Inc. 2860 STAGE VILLAGE COVE BARTLETT, TN 38133 |
* | $ -1,000 | 1 | $ 75,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 40,636,055,000 | 1 | $ 35,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 145,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 125,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 35,000 |
| The Bank of Fayette County 1265 HWY 57 EAST COLLIERVILLE, TN 38017 |
* | $ 617,322,000 | 1 | $ 365,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 185,000 |
| American Home Lending USA, LLC 230 S BUCHANAN ST, STE A EDWARDSVILLE, IL 62025 |
* | $ -1,000 | 1 | $ 55,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 2,734,648,000 | 1 | $ 175,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 115,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 255,000 |
The tables below break down 2019 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 2019
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 | 469 | $54,625,000 | $116,000 | $1,005,000 | $62,000 | $751,000 |
| Refinancing | 135 | $17,725,000 | $131,000 | $915,000 | $73,000 | $227,000 |
| Cash-out Refinancing | 128 | $18,380,000 | $143,000 | $645,000 | $77,000 | $427,000 |
| Other Purpose | 73 | $3,955,000 | $54,000 | $205,000 | $69,000 | $600,000 |
| Home Improvement | 32 | $1,560,000 | $48,000 | $175,000 | $69,000 | $214,000 |
| Not Applicable | 17 | $3,055,000 | $179,000 | $335,000 | $76,000 | $157,000 |
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 | 655 | $74,785,000 | $114,000 | $645,000 | $68,000 | $751,000 |
| Black or African American | 94 | $9,410,000 | $100,000 | $915,000 | $60,000 | $600,000 |
| Not applicable | 48 | $7,730,000 | $161,000 | $1,005,000 | $66,000 | $111,000 |
| Not Provided | 29 | $3,935,000 | $135,000 | $275,000 | $76,000 | $170,000 |
| Hispanic | 19 | $2,485,000 | $130,000 | $325,000 | $69,000 | $153,000 |
| American Indian or Alaskan Native | 7 | $685,000 | $97,000 | $185,000 | $38,000 | $52,000 |
| Asian | 1 | $195,000 | $195,000 | $195,000 | $30,000 | $30,000 |
| 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) | 618 | $62,900,000 | $101,000 | $1,005,000 | $69,000 | $751,000 |
| FHA-insured (Federal Housing Administration) | 121 | $17,855,000 | $147,000 | $325,000 | $60,000 | $157,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $9,225,000 | $129,000 | $395,000 | $46,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 44 | $9,320,000 | $211,000 | $645,000 | $83,000 | $322,000 |
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 | 441 | $59,595,000 | $135,000 | $1,005,000 | $74,000 | $751,000 |
| Application Denied By Financial Institution | 210 | $15,700,000 | $74,000 | $325,000 | $50,000 | $600,000 |
| Application Withdrawn By Applicant | 64 | $7,250,000 | $113,000 | $645,000 | $70,000 | $322,000 |
| Loan Purchased By The Institution | 59 | $8,835,000 | $149,000 | $455,000 | $115,000 | $751,000 |
| File Closed For Incompleteness | 50 | $4,190,000 | $83,000 | $285,000 | $54,000 | $142,000 |
| Application Approved But Not Accepted | 30 | $3,730,000 | $124,000 | $915,000 | $57,000 | $200,000 |
| 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 | 626 | $81,680,000 | $130,000 | $1,005,000 | $73,000 | $751,000 |
| Credit History | 122 | $7,870,000 | $64,000 | $255,000 | $49,000 | $600,000 |
| Debt-To-Income Ratio | 65 | $6,125,000 | $94,000 | $365,000 | $51,000 | $275,000 |
| Collateral | 15 | $1,185,000 | $79,000 | $175,000 | $75,000 | $149,000 |
| Credit Application Incomplete | 10 | $980,000 | $98,000 | $205,000 | $75,000 | $141,000 |
| Other | 10 | $760,000 | $76,000 | $295,000 | $59,000 | $162,000 |
| Unverifiable Information | 3 | $395,000 | $131,000 | $195,000 | $59,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $180,000 | $90,000 | $105,000 | $51,000 | $74,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $44,000 | $44,000 |
| 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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