Lenders › Regions Bank › Mississippi
Regions Bank 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.
Regions Bank's 2024 HMDA record for Mississippi covers 5,058 applications, 1,796 of them originated, worth $263m.
Its denial rate in the state was 54.2%, above the Mississippi rate of 30.2% across all lenders and compared with the lender's national rate of 45.8%.
The median rate spread on its Mississippi originations was 0.6 percentage points (state median 0.4).
Applications in the state were down 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Mississippi | Mississippi, all lenders | Regions Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 54.2% | 30.2% | 45.8% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 22.9% | 18.2% | 22.5% | 15.6% |
| Average originated loan | $146k | $189k | $300k | $329k |
| Home purchase share | 29.7% | 57.7% | 29.2% | 57.0% |
| FHA-insured share | 9.2% | 18.3% | 4.9% | 13.4% |
| VA-guaranteed share | 1.7% | 10.3% | 1.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMississippi, all lenders
Loan purpose and loan type in Mississippi
By purpose
Home purchase 30% (534)Home improvement 25% (451)Refinancing 19% (347)Cash-out refinancing 4% (65)Other purpose 22% (399)
By type
Conventional 87% (1,561)FHA 9% (166)VA 2% (31)USDA 2% (38)
Denial reasons as coded
Share of 2,394 denials in Mississippi by first denial reason coded (outlined bar: all lenders in the state).
Counties in Mississippi
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hinds County | 713 | 219 | $16m | 59.2% |
| DeSoto County | 446 | 170 | $18m | 53.2% |
| Rankin County | 391 | 141 | $52m | 54.3% |
| Madison County | 304 | 116 | $16m | 49.6% |
| Lafayette County | 164 | 94 | $25m | 30.8% |
| Harrison County | 236 | 92 | $27m | 45.7% |
| Forrest County | 166 | 69 | $7.4m | 46.2% |
| Jackson County | 143 | 57 | $8.6m | 50.4% |
| Lee County | 133 | 57 | $6.7m | 47.9% |
| Lamar County | 125 | 55 | $8.2m | 42.2% |
| Lauderdale County | 122 | 52 | $4.9m | 41.6% |
| Hancock County | 93 | 38 | $8.2m | 44.0% |
| Jones County | 104 | 30 | $3.6m | 55.7% |
| Lowndes County | 93 | 28 | $2.5m | 58.8% |
| Marshall County | 73 | 27 | $3.9m | 47.7% |
| Oktibbeha County | 64 | 26 | $3.2m | 48.2% |
| Newton County | 47 | 25 | $1.9m | 37.5% |
| Adams County | 82 | 24 | $1.8m | 60.3% |
| Lawrence County | 53 | 23 | $1.9m | 43.2% |
| Pearl River County | 68 | 22 | $2.6m | 59.6% |
| Panola County | 57 | 22 | $2.3m | 57.9% |
| Alcorn County | 55 | 22 | $2.4m | 42.2% |
| Washington County | 76 | 21 | $2.3m | 62.0% |
| Pike County | 67 | 21 | $2.0m | 61.7% |
| Grenada County | 42 | 18 | $1.7m | 50.0% |
| Copiah County | 49 | 17 | $1.5m | 60.5% |
| Covington County | 50 | 16 | $1.0m | 57.8% |
| Calhoun County | 36 | 15 | $1.1m | 50.0% |
| Lincoln County | 66 | 14 | $1.2m | 71.4% |
| Union County | 38 | 14 | $1.4m | 52.9% |
| Tippah County | 47 | 13 | $1.5m | 67.4% |
| Jefferson Davis County | 45 | 12 | $730k | 65.9% |
| Webster County | 25 | 12 | $880k | — |
| Neshoba County | 36 | 10 | $930k | 68.8% |
| Yazoo County | 38 | 9 | $1.1m | 70.6% |
| Tate County | 37 | 9 | $785k | 69.7% |
| Monroe County | 30 | 9 | $1.1m | 66.7% |
| Warren County | 46 | 7 | $695k | 70.7% |
| Simpson County | 29 | 7 | $725k | 67.9% |
| Leflore County | 27 | 7 | $735k | 69.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Regions Bank originate in Mississippi in 2024?
1,796 loans totalling $263m, from 5,058 applications reported for properties in Mississippi.
What is Regions Bank's denial rate in Mississippi?
54.2% of decided applications in Mississippi were denied, against 30.2% for all lenders in the state and 45.8% 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 Regions Bank lend in most?
By originations: Hinds County (219), DeSoto County (170), Rankin County (141), Madison County (116), Lafayette County (94).
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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.