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Harrison County, Mississippi
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Harrison County, Mississippi, saw 8,382 HMDA-reported applications and 4,457 originations ($992m) in 2024.
That is 53.5 originations per 1,000 households, against 43.3 for Mississippi and 48.0 nationally.
The county's denial rate was 26.3%, below the state rate of 30.2%. The median rate spread on originated loans was 0.2 percentage points and 11.6% of originations were 1.5 points or more above the average prime offer rate.
54 lenders reached 25 applications in the county; the most active by originations were Cadence Bank (299), Keesler Federal Credit Union (296) and CMG Mortgage Inc (256).
Originations were up 16% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 54. Denial rate is denials over decided applications in this county.
Compared with Mississippi and the nation
| Measure | This county | Mississippi | United States |
|---|---|---|---|
| Denial rate | 26.3% | 30.2% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.6% | 18.2% | 15.6% |
| Average originated loan | $222k | $189k | $329k |
| Originations per 1,000 households | 53.5 | 43.3 | 48.0 |
| Home purchase share of originations | 62.1% | 57.7% | 57.0% |
| FHA-insured share | 17.2% | 18.3% | 13.4% |
| VA-guaranteed share | 24.4% | 10.3% | 7.9% |
Rate spread distribution
Share of 3,823 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Mississippi). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 62% (2,766)Home improvement 4% (185)Refinancing 14% (639)Cash-out refinancing 11% (470)Other purpose 9% (397)
By type
Conventional 57% (2,538)FHA 17% (768)VA 24% (1,089)USDA 1% (62)
Trend by year
ApplicationsOriginations
This countyMississippi
Questions and answers
Which lenders are most active in Harrison County, MS?
By 2024 originations: Cadence Bank (299), Keesler Federal Credit Union (296), CMG Mortgage Inc (256), DHI Mortgage Company, LTD. (243), Community Bank of Mississippi (228). 54 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Harrison County?
26.3% of decided applications were denied in 2024, against 30.2% across Mississippi and 24.3% nationally.
How many mortgages were originated in Harrison County in 2024?
4,457 loans totalling $992m, from 8,382 applications; 53.5 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 28047; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.