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2024 data HMDA 2024 disclosure official source

Leake County

472 mortgage applications, 25.0% denial rate. Verify FIPS 28079 with U.S. Census Bureau →

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Mississippi · FIPS 28079

Local mortgage market. Leake County, Mississippi saw 472 HMDA-reported mortgage applications in 2024. Lenders originated 209 of those loans and denied 118, producing a denial rate of 25.0% and an approval (origination) rate of 44.3%. The average loan amount was $127,479 at an average note rate of 7.79%, with applicants self-reporting average annual income of $37K. 57 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.4x, meaning typical borrowers took on mortgages of about 3.4 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 28079 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

472
Applications
209
Originated
25.0%
Denial Rate
44.3%
Approval Rate
$127,479
Avg Loan Amount
7.79%
Avg Interest Rate
$37K
Avg Applicant Income
3.4x
Loan-to-Income Ratio

Nearby Lenders in Leake 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 Community Bank of Mississippi 20 9.6%
2 Bank of Forest 19 9.1%
3 Trustmark National Bank 18 8.6%
4 Citizens National Bank of Meridian 18 8.6%
5 21st Mortgage 13 6.2%
Compare Community Bank of Mississippi vs Bank of Forest →

Frequently Asked Questions

How many mortgage applications were filed in Leake County?
In the 2024 HMDA reporting year, 472 mortgage applications were filed in Leake County, Mississippi. Of these, 209 were originated (approved and funded), while 118 were denied, resulting in a denial rate of 25.0%.
What is the mortgage denial rate in Leake County?
The mortgage denial rate in Leake County is 25.0%. The approval (origination) rate is 44.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Leake County?
The average mortgage loan amount in Leake County is $127,479. The average interest rate is 7.791%. The average applicant income is $37K.
What is the loan-to-income ratio in Leake County?
The average loan-to-income ratio in Leake County is 3.4x, meaning borrowers took on loans averaging 3.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Leake County?
The top mortgage lenders in Leake County by origination volume are Community Bank of Mississippi, Bank of Forest, Trustmark National Bank. In total, 57 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.