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Lowndes 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.
Lowndes County, Mississippi, saw 1,747 HMDA-reported applications and 981 originations ($189m) in 2024.
That is 42.6 originations per 1,000 households, against 43.3 for Mississippi and 48.0 nationally.
The county's denial rate was 27.2%, below the state rate of 30.2%. The median rate spread on originated loans was 0.3 percentage points and 11.7% of originations were 1.5 points or more above the average prime offer rate.
13 lenders reached 25 applications in the county; the most active by originations were BankFirst Financial Services (107), Renasant Bank (103) and Cadence Bank (90).
Originations were up 11% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | BankFirst Financial Services | 142 | 107 | $23m | 11.3% | — |
| 2 | Renasant Bank | 145 | 103 | $17m | 15.3% | — |
| 3 | Cadence Bank | 147 | 90 | $13m | 28.1% | — |
| 4 | Trustmark National Bank | 123 | 89 | $11m | 16.5% | — |
| 5 | Rocket Mortgage | 79 | 55 | $10.0m | 27.6% | — |
| 6 | Mortgage Research Center | 93 | 52 | $14m | 11.7% | — |
| 7 | Flagstar Bank NA | 43 | 33 | $7.7m | 21.4% | — |
| 8 | Regions Bank | 93 | 28 | $2.5m | 58.8% | — |
| 9 | Cardinal Financial Company, Li | 42 | 26 | $5.7m | 24.4% | — |
| 10 | 21st Mortgage | 100 | 24 | $2.6m | 61.9% | — |
| 11 | Magnolia Bank | 33 | 24 | $5.1m | 10.7% | — |
| 12 | Citizens National Bank of Meridian | 30 | 22 | $1.9m | 18.5% | — |
| 13 | First Community Mortgage | 26 | 20 | $3.6m | 15.4% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 13. Denial rate is denials over decided applications in this county.
Compared with Mississippi and the nation
| Measure | This county | Mississippi | United States |
|---|---|---|---|
| Denial rate | 27.2% | 30.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.7% | 18.2% | 15.6% |
| Average originated loan | $192k | $189k | $329k |
| Originations per 1,000 households | 42.6 | 43.3 | 48.0 |
| Home purchase share of originations | 60.8% | 57.7% | 57.0% |
| FHA-insured share | 19.6% | 18.3% | 13.4% |
| VA-guaranteed share | 20.1% | 10.3% | 7.9% |
Rate spread distribution
Share of 849 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 61% (596)Home improvement 4% (41)Refinancing 19% (185)Cash-out refinancing 8% (77)Other purpose 8% (82)
By type
Conventional 55% (544)FHA 20% (192)VA 20% (197)USDA 5% (48)
Trend by year
ApplicationsOriginations
This countyMississippi
Questions and answers
Which lenders are most active in Lowndes County, MS?
By 2024 originations: BankFirst Financial Services (107), Renasant Bank (103), Cadence Bank (90), Trustmark National Bank (89), Rocket Mortgage (55). 13 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Lowndes County?
27.2% of decided applications were denied in 2024, against 30.2% across Mississippi and 24.3% nationally.
How many mortgages were originated in Lowndes County in 2024?
981 loans totalling $189m, from 1,747 applications; 42.6 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 28087; 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.