MS · Statewide HMDA 2024
Mississippi mortgage lending
According to the CFPB HMDA 2024 Snapshot, 576 reporting lenders · 82 counties · 4 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Mississippi ranks #34 of 54 by application volume but #49 of 52 states with 10,000+ applications on origination share (46.5%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #49
- Origination-share rank of 52
- 46.5%
- Origination share
- 49,576
- Originated
- 21.8%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
106,666reported applications
CFPB HMDA state filing plate
State MS · Mississippi 21.8% denial
VOL-LIGHT · DEN-STEEP · CLEAR-PEER · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-LIGHT #34/54
- DEN-STEEP 21.8%
- CLEAR-PEER Hawaii
- ORIG-FLOOR 46.5%
- BOOK-FULL 576 lenders
- LEAD-MIX 8% top
Photo-finish peer: Hawaii · 22.4% denial (+0.6pp vs Mississippi)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Mississippi
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Mississippi: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (21.8% here).
Similar application volume
Nearest states by HMDA applications filed (106,666 here).
Top lenders by originations · Mississippi
Funded loans among HMDA-reporting institutions active in this state.
Where Mississippi sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
106,666 37th percentile higher than 37% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Mississippi
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Mississippi filed 106,666 HMDA-reported applications in 2024 (#34 of 54 by volume) with a 21.8% denial rate - 4.7pp above the national 17.2% baseline. White applicants (54,421 apps) show 19.0% denial; Black or African American applicants (25,823 apps) show 35.9% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Mississippi
Top HMDA-reporting lenders active in Mississippi. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Trustmark National Bank | 4,122 | 8.3% |
| 2 | Cadence Bank | 3,519 | 7.1% |
| 3 | Community Bank of Mississippi | 2,730 | 5.5% |
| 4 | Rocket Mortgage | 2,626 | 5.3% |
| 5 | BANKPLUS | 1,921 | 3.9% |
Reported outcomes by applicant race in Mississippi
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 54,421 | 57.7% | 19.0% |
| Black or African American | 25,823 | 38.8% | 35.9% |
| Asian | 1,333 | 54.5% | 19.4% |
| Joint | 1,073 | 52.0% | 22.8% |
| American Indian or Alaska Native | 339 | 38.9% | 34.2% |
| 2 or more minority races | 178 | 34.3% | 41.0% |
| Native Hawaiian or Other Pacific Islander | 139 | 35.3% | 27.3% |
Every county in Mississippi, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| DeSoto County | 9,817 | 4,992 | 16.4% | $227,414 |
| Harrison County | 9,343 | 4,453 | 18.2% | $204,826 |
| Rankin County | 7,354 | 3,970 | 16.5% | $195,494 |
| Hinds County | 7,242 | 3,400 | 23.6% | $158,111 |
| Jackson County | 5,986 | 2,823 | 18.6% | $182,334 |
| Madison County | 4,989 | 2,730 | 15.6% | $252,274 |
| Lee County | 3,175 | 1,637 | 18.2% | $172,546 |
| Lamar County | 2,761 | 1,373 | 17.4% | $198,481 |
| Forrest County | 2,737 | 1,387 | 19.7% | $167,631 |
| Hancock County | 2,257 | 1,052 | 21.4% | $201,872 |
| Pearl River County | 2,251 | 1,034 | 21.1% | $170,038 |
| Jones County | 2,238 | 1,095 | 19.8% | $130,670 |
| Lafayette County | 2,225 | 1,334 | 13.7% | $291,822 |
| Lowndes County | 1,963 | 981 | 19.9% | $180,176 |
| Lauderdale County | 1,935 | 898 | 24.1% | $138,535 |
| Marshall County | 1,706 | 746 | 21.3% | $195,135 |
| Oktibbeha County | 1,420 | 723 | 19.6% | $198,120 |
| Warren County | 1,406 | 572 | 26.5% | $141,622 |
| Panola County | 1,243 | 472 | 28.6% | $133,721 |
| Pike County | 1,233 | 443 | 32.2% | $135,941 |
| Monroe County | 1,190 | 518 | 22.1% | $122,866 |
| Lincoln County | 1,182 | 443 | 26.3% | $134,704 |
| Tate County | 1,083 | 564 | 17.4% | $172,313 |
| George County | 1,001 | 448 | 22.8% | $175,050 |
| Simpson County | 984 | 411 | 24.2% | $131,362 |
| Pontotoc County | 974 | 411 | 26.8% | $145,483 |
| Alcorn County | 917 | 456 | 20.1% | $144,248 |
| Marion County | 913 | 390 | 29.7% | $116,030 |
| Scott County | 902 | 341 | 30.8% | $112,694 |
| Washington County | 871 | 420 | 28.5% | $104,403 |
| Union County | 773 | 329 | 24.8% | $140,744 |
| Copiah County | 742 | 269 | 30.5% | $125,539 |
| Prentiss County | 738 | 358 | 22.6% | $121,260 |
| Itawamba County | 735 | 377 | 16.5% | $142,007 |
| Adams County | 718 | 253 | 31.1% | $134,610 |
| Stone County | 693 | 320 | 22.4% | $152,229 |
| Yazoo County | 656 | 276 | 25.8% | $119,238 |
| Covington County | 654 | 221 | 35.5% | $112,355 |
| Tishomingo County | 638 | 328 | 19.0% | $144,013 |
| Newton County | 633 | 266 | 25.4% | $115,269 |
| Neshoba County | 628 | 265 | 26.6% | $113,631 |
| Wayne County | 614 | 200 | 33.1% | $115,749 |
| Clay County | 607 | 257 | 27.7% | $118,806 |
| Grenada County | 597 | 292 | 20.6% | $134,347 |
| Walthall County | 567 | 187 | 32.3% | $119,991 |
| Bolivar County | 562 | 262 | 26.3% | $126,975 |
| Yalobusha County | 556 | 253 | 24.5% | $116,133 |
| Jasper County | 551 | 199 | 32.7% | $112,096 |
| Smith County | 523 | 220 | 24.5% | $109,627 |
| Chickasaw County | 507 | 141 | 36.9% | $116,183 |
| Tippah County | 496 | 197 | 25.6% | $124,274 |
| Sunflower County | 494 | 269 | 23.9% | $112,389 |
| Attala County | 487 | 199 | 24.4% | $111,160 |
| Winston County | 483 | 214 | 28.8% | $107,567 |
| Leake County | 472 | 209 | 25.0% | $127,479 |
| Jefferson Davis County | 440 | 114 | 40.5% | $102,000 |
| Clarke County | 434 | 186 | 26.0% | $113,479 |
| Lawrence County | 391 | 146 | 34.3% | $105,767 |
| Perry County | 384 | 156 | 26.6% | $124,922 |
| Leflore County | 383 | 165 | 31.1% | $121,449 |
| Amite County | 371 | 113 | 36.1% | $128,369 |
| Greene County | 356 | 159 | 26.4% | $115,197 |
| Coahoma County | 348 | 98 | 36.8% | $115,603 |
| Calhoun County | 347 | 145 | 25.9% | $125,663 |
| Holmes County | 312 | 100 | 34.0% | $96,603 |
| Webster County | 260 | 127 | 19.2% | $134,269 |
| Noxubee County | 257 | 91 | 35.4% | $93,988 |
| Tallahatchie County | 250 | 82 | 31.2% | $96,000 |
| Benton County | 238 | 89 | 27.3% | $128,319 |
| Carroll County | 228 | 88 | 23.7% | $130,614 |
| Jefferson County | 217 | 33 | 53.9% | $100,760 |
| Claiborne County | 214 | 52 | 37.4% | $116,075 |
| Wilkinson County | 205 | 57 | 38.5% | $114,561 |
| Choctaw County | 203 | 72 | 32.0% | $112,438 |
| Montgomery County | 191 | 72 | 28.8% | $107,984 |
| Kemper County | 191 | 69 | 37.2% | $114,581 |
| Humphreys County | 189 | 63 | 43.4% | $95,529 |
| Franklin County | 186 | 58 | 32.3% | $108,172 |
| Tunica County | 146 | 67 | 19.9% | $126,849 |
| Quitman County | 100 | 23 | 40.0% | $89,800 |
| Sharkey County | 54 | 17 | 42.6% | $85,185 |
| Issaquena County | 6 | 2 | 16.7% | $60,000 |
Metro Areas in Mississippi
Frequently Asked Questions
How many mortgage applications were filed in Mississippi?
Where does Mississippi sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Mississippi?
What is the average mortgage loan amount in Mississippi?
How many mortgage lenders operate in Mississippi?
How do mortgage denial rates vary by demographics in Mississippi?
Which counties in Mississippi have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.