Kemper County
Mississippi · FIPS 28069
According to CFPB HMDA 2024 application volume among U.S. counties, Kemper County ranks #2,624 of 3,223, and #75 of 82 in Mississippi.
Mortgage lending activity in Kemper 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. Kemper County, Mississippi lenders denied 71 of the applications reported here, financing the rest at an average note rate of 7.93%, with applicants self-reporting average annual income of $36K. 27 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.2x, meaning typical borrowers took on mortgages of about 3.2 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 Kemper County
In Kemper County, lead originator The Citizens Bank funded 20.3% of 69 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 36.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Kemper County's 191 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Kemper County's $114,581 average loan (deduped against volume peers).
Lenders active in Kemper County
The Citizens Bank funded 14 of the 69 loans originated in Kemper County, 20.3% of the county. 27 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Citizens Bank | 14 | 20.3% |
| 2 | Rocket Mortgage | 6 | 8.7% |
| 3 | Trustmark National Bank | 5 | 7.2% |
| 4 | Regions Bank | 5 | 7.2% |
| 5 | Triad Financial Services, INC. | 5 | 7.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Kemper County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Kemper County borrowers. 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.