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Trustmark National Bank in Mississippi

HMDA record for properties in Mississippi, calendar year 2024. National record · Mississippi overview

LEI 01J4SO3XTWZF4PP38209
Reporting agency Consumer Financial Protection Bureau
State Mississippi

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.

Trustmark National Bank's 2024 HMDA record for Mississippi covers 5,759 applications, 4,122 of them originated, worth $618m.

Its denial rate in the state was 15.4%, below the Mississippi rate of 30.2% across all lenders and compared with the lender's national rate of 14.5%.

The median rate spread on its Mississippi originations was 0.3 percentage points (state median 0.4).

Applications in the state were down 6% on 2023.

5,759applications in MS, 202451.6% of the lender's total
4,122loans originated$618m
15.4%denial rateMS all lenders 30.2%
0.3 ppmedian rate spreadMS 0.4 pp

Compared with the state and the lender's national record

MeasureIn MississippiMississippi, all lendersTrustmark National Bank, all statesUnited States
Denial rate15.4%30.2%14.5%24.3%
Median rate spread, pp0.30.40.30.3
Originations with spread of 1.5 pp or more1.9%18.2%2.0%15.6%
Average originated loan$150k$189k$203k$329k
Home purchase share58.4%57.7%64.7%57.0%
FHA-insured share19.9%18.3%17.6%13.4%
VA-guaranteed share3.8%10.3%5.9%7.9%

Trend by year

ApplicationsOriginations

03,7667,5322022: 7,532 Applications2023: 6,136 Applications2024: 5,759 Applications2022: 5,300 Originations2023: 4,304 Originations2024: 4,122 Originations202220232024
Trustmark National Bank in Mississippi: applications and originations, 2022–2024

This lender in stateMississippi, all lenders

0%15.6%31.1%2022: 15.3% This lender in state2023: 17.9% This lender in state2024: 15.4% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Mississippi

By purpose

Home purchase 58% (2,408)Home improvement 4% (150)Refinancing 19% (786)Cash-out refinancing 1% (57)Other purpose 17% (721)

By type

Conventional 74% (3,064)FHA 20% (822)VA 4% (158)USDA 2% (78)

Denial reasons as coded

Credit history49.6%
Debt-to-income ratio27.6%
Collateral10.7%
Other6%
Insufficient cash (downpayment, closing costs)2.7%
Employment history1.7%
Unverifiable information1.7%
Credit application incomplete0%
Mortgage insurance denied0%

Share of 782 denials in Mississippi by first denial reason coded (outlined bar: all lenders in the state).

Counties in Mississippi

CountyApplicationsOriginationsAmountDenial rate
Rankin County823609$94m15.8%
Hinds County778528$63m18.9%
Madison County567434$99m9.7%
DeSoto County401298$53m11.7%
Lauderdale County276212$28m12.6%
Harrison County256174$25m13.8%
Lamar County221163$30m11.6%
Forrest County228156$19m15.7%
Jackson County219153$26m13.9%
Warren County218147$19m16.1%
Jones County141101$11m10.8%
Lowndes County12389$11m16.5%
Lincoln County12386$8.3m20.7%
Lafayette County7260$15m4.6%
Pike County7457$6.2m15.9%
George County7155$10m8.3%
Lee County7850$6.3m27.8%
Marion County6645$3.8m12.1%
Simpson County6144$4.9m7.8%
Smith County6242$4.3m15.1%
Washington County5438$2.8m13.3%
Tate County4938$7.3m11.4%
Copiah County6237$4.7m27.3%
Hancock County3726$4.9m13.3%
Clarke County2825$3.3m10.7%
Itawamba County3224$4.4m16.7%
Oktibbeha County3123$3.4m20.7%
Alcorn County4122$2.2m33.3%
Walthall County3422$1.9m28.1%
Perry County2520$2.0m—
Amite County2519$3.9m—
Leake County2818$2.5m33.3%
Leflore County3217$2.1m35.7%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Trustmark National Bank originate in Mississippi in 2024?

4,122 loans totalling $618m, from 5,759 applications reported for properties in Mississippi.

What is Trustmark National Bank's denial rate in Mississippi?

15.4% of decided applications in Mississippi were denied, against 30.2% for all lenders in the state and 14.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Mississippi counties does Trustmark National Bank lend in most?

By originations: Rankin County (609), Hinds County (528), Madison County (434), DeSoto County (298), Lauderdale County (212).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Mississippi. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.