Neshoba County
Mississippi · FIPS 28099
According to CFPB HMDA 2024 application volume among U.S. counties, Neshoba County ranks #1,831 of 3,210, and #41 of 82 in Mississippi.
Mortgage lending activity in Neshoba 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. Neshoba County, Mississippi saw 628 HMDA-reported mortgage applications in 2024. Lenders originated 265 of those loans and denied 167, producing a denial rate of 26.6% and an approval (origination) rate of 42.2%. The average loan amount was $113,631 at an average note rate of 7.19%, with applicants self-reporting average annual income of $35K. 48 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 Neshoba County
In Neshoba County, lead originator The Citizens Bank funded 32.8% of 265 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 45.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Neshoba County's 628 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Neshoba County's $113,631 average loan (deduped against volume peers).
Lenders active in Neshoba County
The Citizens Bank funded 87 of the 265 loans originated in Neshoba County, 32.8% of the county. 48 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Citizens Bank | 87 | 32.8% |
| 2 | Trustmark National Bank | 18 | 6.8% |
| 3 | 21st Mortgage | 15 | 5.7% |
| 4 | Rocket Mortgage | 14 | 5.3% |
| 5 | Citizens National Bank of Meridian | 13 | 4.9% |
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 Neshoba 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 Neshoba 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.