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FNB PICAYUNE BANK

Picayune, MS

FNB PICAYUNE BANK processed 139 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 105 loans with a 7.9% denial rate. Home Purchase was the primary loan purpose. Based in Picayune, MS. The approval rate of 75.5% 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. FNB PICAYUNE BANK processed 139 HMDA-reported mortgage applications in 2024, originating 105 loans and denying 11 for a denial rate of 7.9% (applicants themselves withdrew 21 files before a decision). The average loan amount was $107,590. The lender reports under LEI 549300JHFXRY8T6LN749 from Picayune, 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. FNB PICAYUNE BANK's 75.5% origination rate tells you how often an application turned into funded money; the 7.9% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (139 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.

139
Applications
105
Originated
7.9%
Denial Rate
$107,590
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 139 105 11 $107,590

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for FNB PICAYUNE BANK (LEI: 549300JHFXRY8T6LN749) · 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 74 52 $136,081
Cash-out Refinancing 19 16 $91,842
Other 18 15 $61,111
Refinancing 16 12 $86,875
Home Improvement 12 10 $54,167

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 118 78.0% 5.9%
Black or African American 13 53.9% 30.8%
Asian 1 0.0% 0.0%
Joint 1 0.0% 0.0%

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 126 73.8% 8.7%
Hispanic or Latino 5 80.0% 0.0%
Joint 2 100.0% 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 FNB PICAYUNE BANK 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 FNB PICAYUNE BANK process?
FNB PICAYUNE BANK processed 139 mortgage applications in the 2023 HMDA reporting year. Of these, 105 were originated (approved and funded), 21 were withdrawn by the applicant, and 11 were denied.
What is FNB PICAYUNE BANK's mortgage approval rate?
FNB PICAYUNE BANK has an approval (origination) rate of 75.5%, meaning 75.5% of all applications resulted in a funded mortgage. The denial rate is 7.9%.
What is the average loan amount at FNB PICAYUNE BANK?
The average mortgage loan amount at FNB PICAYUNE BANK is $107,590.
What types of mortgage loans does FNB PICAYUNE BANK offer?
FNB PICAYUNE BANK processes Conventional loans. The most common type is Conventional with 139 applications and an average loan amount of $107,590.
What loan purposes does FNB PICAYUNE BANK serve?
FNB PICAYUNE BANK serves the following loan purposes: Home Purchase (74 applications), Cash-out Refinancing (19 applications), Other (18 applications), Refinancing (16 applications), Home Improvement (12 applications). Home Purchase is the most common purpose.
Where is FNB PICAYUNE BANK located?
FNB PICAYUNE BANK is headquartered in Picayune, MS. The lender is identified by LEI 549300JHFXRY8T6LN749 in HMDA data.
How does FNB PICAYUNE BANK compare in lending across racial demographics?
FNB PICAYUNE BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 78.0% and denial rate of 5.9%; Black or African American applicants have an approval rate of 53.9% and denial rate of 30.8%; Asian applicants have an approval rate of 0.0% and denial rate of 0.0%. 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.