Winston County, MS Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 522 mortgage applications in Winston County, MS totaling $43.3 million, up 12% from 2017. The average application was for $82,000, and applicants reported an average income of $76,000. 57% of applications resulted in an originated loan and 23% were denied. The most active lender was Cadence Bank, with 165 applications, followed by Renasant 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 | 522 |
| Total Mortgage Loan Application Amount | $43,310,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $1,629,000 |
* 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 |
|---|---|---|---|---|
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 15,308,454,000 | 165 | $ 11,525,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 9,805,580,000 | 91 | $ 8,505,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 38 | $ 2,290,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ 992,744,000 | 33 | $ 1,575,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 17 | $ 805,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 16 | $ 1,080,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 12 | $ 1,600,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 11 | $ 1,045,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 10 | $ 990,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 7 | $ 485,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,795,627,000 | 6 | $ 670,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 540,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 4 | $ 310,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 4 | $ 150,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 320,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 4 | $ 210,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 375,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 957,533,000 | 3 | $ 215,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 875,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 355,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 3 | $ 225,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 210,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 955,028,000 | 2 | $ 210,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 470,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 430,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 2 | $ 100,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 110,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 2 | $ 100,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 10,932,664,000 | 2 | $ 120,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,695,108,000 | 2 | $ 160,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,598,550,000 | 2 | $ 260,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 2 | $ 30,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 60,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,331,493,000 | 2 | $ 410,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 310,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 25,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ -1,000 | 1 | $ 105,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 133,225,000 | 1 | $ 115,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 145,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 65,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 75,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 65,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 235,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 345,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 85,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 7,112,603,000 | 1 | $ 95,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,107,765,000 | 1 | $ 115,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ -1,000 | 1 | $ 325,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 115,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 205,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 145,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ 278,676,000 | 1 | $ 45,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 75,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 55,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 145,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 65,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 1 | $ 95,000 |
| Jefferson Financial Federal Credit Union BILOXI, MS 39531 |
* | $ 888,870,000 | 1 | $ 95,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 45,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 65,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 265,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ -1,000 | 1 | $ 5,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 195,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 927,259,000 | 1 | $ 245,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 95,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 2,572,628,000 | 1 | $ 75,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 295,000 |
The tables below break down 2018 mortgage applications in Winston 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 Winston County, MS in 2018
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 | 189 | $17,145,000 | $90,000 | $345,000 | $64,000 | $609,000 |
| Refinancing | 162 | $11,440,000 | $70,000 | $305,000 | $83,000 | $384,000 |
| Cash-out Refinancing | 72 | $9,370,000 | $130,000 | $505,000 | $95,000 | $1,629,000 |
| Other Purpose | 54 | $2,260,000 | $41,000 | $185,000 | $68,000 | $275,000 |
| Home Improvement | 36 | $2,150,000 | $59,000 | $205,000 | $75,000 | $185,000 |
| Not Applicable | 9 | $945,000 | $105,000 | $265,000 | $61,000 | $94,000 |
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 | 334 | $29,550,000 | $88,000 | $505,000 | $85,000 | $1,629,000 |
| Black or African American | 135 | $8,385,000 | $62,000 | $235,000 | $56,000 | $247,000 |
| Not applicable | 25 | $2,725,000 | $109,000 | $345,000 | $29,000 | $29,000 |
| Not Provided | 21 | $2,005,000 | $95,000 | $295,000 | $60,000 | $141,000 |
| Hispanic | 4 | $290,000 | $72,000 | $145,000 | $76,000 | $179,000 |
| American Indian or Alaskan Native | 2 | $130,000 | $65,000 | $115,000 | $75,000 | $75,000 |
| Asian | 1 | $225,000 | $225,000 | $225,000 | $124,000 | $124,000 |
| 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) | 410 | $30,990,000 | $75,000 | $505,000 | $82,000 | $1,629,000 |
| FHA-insured (Federal Housing Administration) | 62 | $6,170,000 | $99,000 | $295,000 | $47,000 | $121,000 |
| VA-guaranteed (Veterans Administration) | 29 | $4,365,000 | $150,000 | $405,000 | $60,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,785,000 | $85,000 | $185,000 | $40,000 | $75,000 |
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 | 295 | $23,455,000 | $79,000 | $355,000 | $88,000 | $1,629,000 |
| Application Denied By Financial Institution | 121 | $8,845,000 | $73,000 | $325,000 | $49,000 | $215,000 |
| Application Withdrawn By Applicant | 38 | $4,310,000 | $113,000 | $505,000 | $88,000 | $609,000 |
| File Closed For Incompleteness | 26 | $2,020,000 | $77,000 | $265,000 | $63,000 | $318,000 |
| Loan Purchased By The Institution | 26 | $3,250,000 | $125,000 | $345,000 | $59,000 | $84,000 |
| Application Approved But Not Accepted | 16 | $1,430,000 | $89,000 | $295,000 | $60,000 | $144,000 |
| 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 | 372 | $32,970,000 | $88,000 | $505,000 | $84,000 | $1,629,000 |
| Debt-To-Income Ratio | 60 | $4,110,000 | $68,000 | $305,000 | $66,000 | $247,000 |
| Credit History | 56 | $3,110,000 | $55,000 | $205,000 | $44,000 | $173,000 |
| Collateral | 14 | $1,260,000 | $90,000 | $255,000 | $60,000 | $141,000 |
| Other | 8 | $830,000 | $103,000 | $325,000 | $47,000 | $108,000 |
| Credit Application Incomplete | 6 | $630,000 | $105,000 | $195,000 | $71,000 | $148,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $240,000 | $60,000 | $85,000 | $44,000 | $56,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $28,000 | $28,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $45,000 | $45,000 |
| 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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