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2024 data HMDA 2024 disclosure official source

Humphreys County

189 mortgage applications, 43.4% denial rate. Verify FIPS 28053 with U.S. Census Bureau →

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Mississippi · FIPS 28053

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.

FIPS 28053 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

189
Applications
63
Originated
43.4%
Denial Rate
33.3%
Approval Rate
$95,529
Avg Loan Amount
8.24%
Avg Interest Rate
$39K
Avg Applicant Income
2.4x
Loan-to-Income Ratio

Nearby Lenders in Humphreys 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 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%
Compare Guaranty Bank & Trust Company vs BANKPLUS →

Frequently Asked Questions

How many mortgage applications were filed in Humphreys County?
In the 2024 HMDA reporting year, 189 mortgage applications were filed in Humphreys County, Mississippi. Of these, 63 were originated (approved and funded), while 82 were denied, resulting in a denial rate of 43.4%.
What is the mortgage denial rate in Humphreys County?
The mortgage denial rate in Humphreys County is 43.4%. The approval (origination) rate is 33.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Humphreys County?
The average mortgage loan amount in Humphreys County is $95,529. The average interest rate is 8.238%. The average applicant income is $39K.
What is the loan-to-income ratio in Humphreys County?
The average loan-to-income ratio in Humphreys County is 2.4x, meaning borrowers took on loans averaging 2.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Humphreys County?
The top mortgage lenders in Humphreys County by origination volume are Guaranty Bank & Trust Company, BANKPLUS, 21st Mortgage. In total, 17 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.