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21st Mortgage in Mississippi

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

LEI 549300XQVJ1XBNFA5536
Reporting agency Department of Housing and Urban Development
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.

21st Mortgage's 2024 HMDA record for Mississippi covers 6,769 applications, 1,254 of them originated, worth $140m.

Its denial rate in the state was 68.8%, above the Mississippi rate of 30.2% across all lenders and compared with the lender's national rate of 70.3%.

The median rate spread on its Mississippi originations was 4.2 percentage points (state median 0.4).

Applications in the state were up 15% on 2023.

6,769applications in MS, 20244.1% of the lender's total
1,254loans originated$140m
68.8%denial rateMS all lenders 30.2%
4.2 ppmedian rate spreadMS 0.4 pp

Compared with the state and the lender's national record

MeasureIn MississippiMississippi, all lenders21st Mortgage, all statesUnited States
Denial rate68.8%30.2%70.3%24.3%
Median rate spread, pp4.20.44.20.3
Originations with spread of 1.5 pp or more99.8%18.2%99.0%15.6%
Average originated loan$111k$189k$114k$329k
Home purchase share99.3%57.7%98.4%57.0%
FHA-insured share0.0%18.3%0.0%13.4%
VA-guaranteed share0.0%10.3%0.0%7.9%

Trend by year

ApplicationsOriginations

03384.56,7692022: 6,328 Applications2023: 5,861 Applications2024: 6,769 Applications2022: 979 Originations2023: 1,045 Originations2024: 1,254 Originations202220232024
21st Mortgage in Mississippi: applications and originations, 2022–2024

This lender in stateMississippi, all lenders

0%37.5%74.9%2022: 74.9% This lender in state2023: 70.1% This lender in state2024: 68.8% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Mississippi

By purpose

Home purchase 99% (1,245)Refinancing 1% (7)Cash-out refinancing 0% (1)Other purpose 0% (1)

By type

Conventional 100% (1,254)

Denial reasons as coded

Credit history60.5%
Debt-to-income ratio22.7%
Insufficient cash (downpayment, closing costs)7.3%
Credit application incomplete6.6%
Unverifiable information1.2%
Collateral0.9%
Other0.4%
Employment history0.3%
Mortgage insurance denied0%

Share of 2,992 denials in Mississippi by first denial reason coded (outlined bar: all lenders in the state).

Counties in Mississippi

CountyApplicationsOriginationsAmountDenial rate
Jones County20646$5.0m63.1%
Lincoln County19537$4.2m68.9%
Scott County20834$3.7m74.6%
Rankin County16833$4.2m67.9%
Lauderdale County18531$2.9m74.2%
Marshall County15031$4.4m59.1%
Panola County17728$3.2m69.2%
Monroe County15628$3.5m63.5%
Simpson County12328$3.0m62.7%
Lee County20227$2.8m75.4%
Pontotoc County16327$3.3m71.6%
Copiah County11727$3.1m62.0%
Wayne County14326$2.8m68.5%
Hinds County13926$3.1m67.5%
Chickasaw County16025$2.7m71.7%
Pearl River County10525$2.7m65.3%
Lowndes County10024$2.6m61.9%
Oktibbeha County14722$2.2m74.2%
Pike County11522$2.4m70.7%
Clay County9420$2.2m66.1%
Tippah County8420$2.2m52.2%
Perry County5820$2.3m52.4%
Jasper County13519$1.9m77.4%
Harrison County12419$2.8m73.2%
Union County10619$2.0m71.0%
Smith County9519$1.9m64.4%
Lamar County9219$1.7m65.5%
Yalobusha County8919$2.0m62.9%
Hancock County6619$2.2m54.8%
Covington County13717$2.0m80.6%
Forrest County9017$2.1m73.0%
Prentiss County6017$1.8m59.5%
Lafayette County9516$1.9m67.3%
Noxubee County6916$1.6m67.3%
Winston County5416$1.8m58.7%
Neshoba County9515$2.1m70.2%
Clarke County8215$1.6m73.0%
Yazoo County6015$1.6m51.6%
Alcorn County5715$1.7m56.8%
Newton County9714$1.6m75.4%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did 21st Mortgage originate in Mississippi in 2024?

1,254 loans totalling $140m, from 6,769 applications reported for properties in Mississippi.

What is 21st Mortgage's denial rate in Mississippi?

68.8% of decided applications in Mississippi were denied, against 30.2% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?

By originations: Jones County (46), Lincoln County (37), Scott County (34), Rankin County (33), Lauderdale County (31).

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.