Lenders › Mortgage Research Center › Mississippi
Mortgage Research Center in Mississippi
HMDA record for properties in Mississippi, calendar year 2024. National record · Mississippi overview
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.
Mortgage Research Center's 2024 HMDA record for Mississippi covers 2,210 applications, 1,063 of them originated, worth $270m.
Its denial rate in the state was 28.3%, close to the Mississippi rate of 30.2% across all lenders and compared with the lender's national rate of 24.0%.
The median rate spread on its Mississippi originations was 0.0 percentage points (state median 0.4).
Applications in the state were up 12% on 2023.
Compared with the state and the lender's national record
| Measure | In Mississippi | Mississippi, all lenders | Mortgage Research Center, all states | United States |
|---|---|---|---|---|
| Denial rate | 28.3% | 30.2% | 24.0% | 24.3% |
| Median rate spread, pp | 0.0 | 0.4 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.1% | 18.2% | 0.8% | 15.6% |
| Average originated loan | $254k | $189k | $315k | $329k |
| Home purchase share | 84.6% | 57.7% | 81.8% | 57.0% |
| FHA-insured share | 3.6% | 18.3% | 2.9% | 13.4% |
| VA-guaranteed share | 92.7% | 10.3% | 92.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMississippi, all lenders
Loan purpose and loan type in Mississippi
By purpose
Home purchase 85% (899)Refinancing 13% (137)Cash-out refinancing 3% (27)
By type
Conventional 4% (39)FHA 4% (38)VA 93% (985)USDA 0% (1)
Denial reasons as coded
Share of 429 denials in Mississippi by first denial reason coded (outlined bar: all lenders in the state).
Counties in Mississippi
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harrison County | 347 | 158 | $38m | 26.5% |
| DeSoto County | 225 | 126 | $41m | 23.0% |
| Jackson County | 132 | 61 | $14m | 27.9% |
| Rankin County | 112 | 58 | $17m | 26.6% |
| Hinds County | 134 | 56 | $13m | 41.2% |
| Lowndes County | 93 | 52 | $14m | 11.7% |
| Lauderdale County | 95 | 46 | $10m | 32.9% |
| Pearl River County | 62 | 37 | $11m | 11.6% |
| Lee County | 68 | 36 | $8.6m | 27.5% |
| Lamar County | 70 | 30 | $8.8m | 26.2% |
| Madison County | 52 | 28 | $8.4m | 20.0% |
| Stone County | 29 | 23 | $4.9m | — |
| Forrest County | 54 | 22 | $5.9m | 32.4% |
| Warren County | 40 | 20 | $4.5m | 33.3% |
| Pike County | 35 | 20 | $4.4m | 35.5% |
| Hancock County | 44 | 18 | $4.3m | 29.6% |
| Jones County | 43 | 16 | $3.2m | — |
| Alcorn County | 30 | 16 | $3.2m | — |
| Adams County | 28 | 10 | $1.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mortgage Research Center originate in Mississippi in 2024?
1,063 loans totalling $270m, from 2,210 applications reported for properties in Mississippi.
What is Mortgage Research Center's denial rate in Mississippi?
28.3% of decided applications in Mississippi were denied, against 30.2% for all lenders in the state and 24.0% 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 Mortgage Research Center lend in most?
By originations: Harrison County (158), DeSoto County (126), Jackson County (61), Rankin County (58), Hinds County (56).
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.