Humphreys County
Mississippi · FIPS 28053
According to CFPB HMDA 2024 application volume among U.S. counties, Humphreys County ranks #2,620 of 3,210, and #77 of 82 in Mississippi.
Mortgage lending activity in Humphreys County, Mississippi based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Humphreys County, Mississippi saw 189 HMDA-reported mortgage applications in 2024. Lenders originated 63 of those loans and denied 82, producing a denial rate of 43.4% and an approval (origination) rate of 33.3%. The average loan amount was $95,529 at an average note rate of 8.24%, with applicants self-reporting average annual income of $39K. 17 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 2.4x, meaning typical borrowers took on mortgages of about 2.4 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Humphreys County
In Humphreys County, lead originator Guaranty Bank & Trust Company funded 30.2% of 63 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 60.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Humphreys County's 189 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Humphreys County's $95,529 average loan (deduped against volume peers).
Lenders active in Humphreys County
Guaranty Bank & Trust Company funded 19 of the 63 loans originated in Humphreys County, 30.2% of the county. 17 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guaranty Bank & Trust Company | 19 | 30.2% |
| 2 | BANKPLUS | 14 | 22.2% |
| 3 | 21st Mortgage | 5 | 7.9% |
| 4 | Community Bank of Mississippi | 5 | 7.9% |
| 5 | PriorityOne Bank | 4 | 6.3% |
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; does not constitute financial advice for Humphreys County borrowers.
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 Humphreys County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.