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2024 data HMDA 2024 disclosure official source

Copiah County

742 mortgage applications, 30.5% denial rate. Verify FIPS 28029 with U.S. Census Bureau →

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Mississippi · FIPS 28029

Local mortgage market. Copiah County, Mississippi saw 742 HMDA-reported mortgage applications in 2024. Lenders originated 269 of those loans and denied 226, producing a denial rate of 30.5% and an approval (origination) rate of 36.3%. The average loan amount was $125,539 at an average note rate of 7.78%, with applicants self-reporting average annual income of $38K. 59 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.3x, meaning typical borrowers took on mortgages of about 3.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 28029 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

742
Applications
269
Originated
30.5%
Denial Rate
36.3%
Approval Rate
$125,539
Avg Loan Amount
7.78%
Avg Interest Rate
$38K
Avg Applicant Income
3.3x
Loan-to-Income Ratio

Nearby Lenders in Copiah County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Trustmark National Bank 37 13.8%
2 21st Mortgage 27 10.0%
3 Copiah Bank 22 8.2%
4 Regions Bank 17 6.3%
5 Crosscountry Mortgage, LLC 16 5.9%
Compare Trustmark National Bank vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Copiah County?
In the 2024 HMDA reporting year, 742 mortgage applications were filed in Copiah County, Mississippi. Of these, 269 were originated (approved and funded), while 226 were denied, resulting in a denial rate of 30.5%.
What is the mortgage denial rate in Copiah County?
The mortgage denial rate in Copiah County is 30.5%. The approval (origination) rate is 36.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Copiah County?
The average mortgage loan amount in Copiah County is $125,539. The average interest rate is 7.778%. The average applicant income is $38K.
What is the loan-to-income ratio in Copiah County?
The average loan-to-income ratio in Copiah County is 3.3x, meaning borrowers took on loans averaging 3.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Copiah County?
The top mortgage lenders in Copiah County by origination volume are Trustmark National Bank, 21st Mortgage, Copiah Bank. In total, 59 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.