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2024 data HMDA 2024 disclosure official source

Leflore County

383 mortgage applications, 31.1% denial rate. Verify FIPS 28083 with U.S. Census Bureau →

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Mississippi · FIPS 28083

Local mortgage market. Leflore County, Mississippi saw 383 HMDA-reported mortgage applications in 2024. Lenders originated 165 of those loans and denied 119, producing a denial rate of 31.1% and an approval (origination) rate of 43.1%. The average loan amount was $121,449 at an average note rate of 7.30%, with applicants self-reporting average annual income of $38K. 45 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.

FIPS 28083 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

383
Applications
165
Originated
31.1%
Denial Rate
43.1%
Approval Rate
$121,449
Avg Loan Amount
7.30%
Avg Interest Rate
$38K
Avg Applicant Income
3.2x
Loan-to-Income Ratio

Nearby Lenders in Leflore 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 Planters Bank and Trust Company 21 12.7%
2 Trustmark National Bank 17 10.3%
3 Guaranty Bank & Trust Company 15 9.1%
4 American Mortgage Bank, LLC 13 7.9%
5 Rocket Mortgage 12 7.3%
Compare Planters Bank and Trust Company vs Trustmark National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Leflore County?
In the 2024 HMDA reporting year, 383 mortgage applications were filed in Leflore County, Mississippi. Of these, 165 were originated (approved and funded), while 119 were denied, resulting in a denial rate of 31.1%.
What is the mortgage denial rate in Leflore County?
The mortgage denial rate in Leflore County is 31.1%. The approval (origination) rate is 43.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Leflore County?
The average mortgage loan amount in Leflore County is $121,449. The average interest rate is 7.304%. The average applicant income is $38K.
What is the loan-to-income ratio in Leflore County?
The average loan-to-income ratio in Leflore County is 3.2x, meaning borrowers took on loans averaging 3.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Leflore County?
The top mortgage lenders in Leflore County by origination volume are Planters Bank and Trust Company, Trustmark National Bank, Guaranty Bank & Trust Company. In total, 45 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.