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Bank of Holly Springs

Holly Springs, MS

Bank of Holly Springs processed 255 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 203 loans with a 6.7% denial rate. Home Purchase was the primary loan purpose. Based in Holly Springs, MS. The approval rate of 79.6% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Bank of Holly Springs processed 255 HMDA-reported mortgage applications in 2024, originating 203 loans and denying 17 for a denial rate of 6.7% (applicants themselves withdrew 35 files before a decision). The average loan amount was $119,745. The lender reports under LEI 2549001R901BOUXDJQ68 from Holly Springs, MS.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Bank of Holly Springs's 79.6% origination rate tells you how often an application turned into funded money; the 6.7% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (255 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

255
Applications
203
Originated
6.7%
Denial Rate
$119,745
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 255 203 17 $119,745

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Bank of Holly Springs (LEI: 2549001R901BOUXDJQ68) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 142 118 $152,042
Cash-out Refinancing 45 30 $77,889
Home Improvement 33 28 $67,424
Refinancing 27 25 $110,556
Other 8 2 $28,750

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 143 74.1% 9.1%
Black or African American 78 80.8% 5.1%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 199 76.9% 8.0%
Hispanic or Latino 21 76.2% 0.0%

Nearby Lenders in MS

Other HMDA-reporting lenders in MS with similar activity. Compare any two side-by-side.

Cadence Bank

Tupelo, MS

19,150 apps 12,823 originated 18.2% denied

TRUSTMARK NATIONAL BANK

JACKSON, MS

11,550 apps 8,088 originated 12.3% denied

HANCOCK WHITNEY BANK

GULFPORT, MS

5,857 apps 3,192 originated 20.9% denied

Community Bank of Mississippi

Flowood, MS

4,507 apps 3,490 originated 7.3% denied

BANKPLUS

RIDGELAND, MS

3,698 apps 2,745 originated 10.7% denied
Compare Bank of Holly Springs vs Cadence Bank →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Bank of Holly Springs process?
Bank of Holly Springs processed 255 mortgage applications in the 2023 HMDA reporting year. Of these, 203 were originated (approved and funded), 35 were withdrawn by the applicant, and 17 were denied.
What is Bank of Holly Springs's mortgage approval rate?
Bank of Holly Springs has an approval (origination) rate of 79.6%, meaning 79.6% of all applications resulted in a funded mortgage. The denial rate is 6.7%.
What is the average loan amount at Bank of Holly Springs?
The average mortgage loan amount at Bank of Holly Springs is $119,745.
What types of mortgage loans does Bank of Holly Springs offer?
Bank of Holly Springs processes Conventional loans. The most common type is Conventional with 255 applications and an average loan amount of $119,745.
What loan purposes does Bank of Holly Springs serve?
Bank of Holly Springs serves the following loan purposes: Home Purchase (142 applications), Cash-out Refinancing (45 applications), Home Improvement (33 applications), Refinancing (27 applications), Other (8 applications). Home Purchase is the most common purpose.
Where is Bank of Holly Springs located?
Bank of Holly Springs is headquartered in Holly Springs, MS. The lender is identified by LEI 2549001R901BOUXDJQ68 in HMDA data.
How does Bank of Holly Springs compare in lending across racial demographics?
Bank of Holly Springs reports demographic lending data under HMDA requirements. White applicants have an approval rate of 74.1% and denial rate of 9.1%; Black or African American applicants have an approval rate of 80.8% and denial rate of 5.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.