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2024 data HMDA 2024 disclosure official source

Walthall County

567 mortgage applications, 32.3% denial rate. Verify FIPS 28147 with U.S. Census Bureau →

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Mississippi · FIPS 28147

Local mortgage market. Walthall County, Mississippi saw 567 HMDA-reported mortgage applications in 2024. Lenders originated 187 of those loans and denied 183, producing a denial rate of 32.3% and an approval (origination) rate of 33.0%. The average loan amount was $119,991 at an average note rate of 8.08%, with applicants self-reporting average annual income of $36K. 55 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.3x, meaning typical borrowers took on mortgages of about 3.3 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 28147 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

567
Applications
187
Originated
32.3%
Denial Rate
33.0%
Approval Rate
$119,991
Avg Loan Amount
8.08%
Avg Interest Rate
$36K
Avg Applicant Income
3.3x
Loan-to-Income Ratio

Nearby Lenders in Walthall 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 Citizens Bank 26 13.9%
2 Trustmark National Bank 22 11.8%
3 Vanderbilt Mortgage and Finance, INC 17 9.1%
4 Rocket Mortgage 16 8.6%
5 21st Mortgage 13 7.0%
Compare Citizens Bank vs Trustmark National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Walthall County?
In the 2024 HMDA reporting year, 567 mortgage applications were filed in Walthall County, Mississippi. Of these, 187 were originated (approved and funded), while 183 were denied, resulting in a denial rate of 32.3%.
What is the mortgage denial rate in Walthall County?
The mortgage denial rate in Walthall County is 32.3%. The approval (origination) rate is 33.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Walthall County?
The average mortgage loan amount in Walthall County is $119,991. The average interest rate is 8.082%. The average applicant income is $36K.
What is the loan-to-income ratio in Walthall County?
The average loan-to-income ratio in Walthall County is 3.3x, meaning borrowers took on loans averaging 3.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Walthall County?
The top mortgage lenders in Walthall County by origination volume are Citizens Bank, Trustmark National Bank, Vanderbilt Mortgage and Finance, INC. In total, 55 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.