Mississippi mortgage lenders: applications, originations, denial rate and counties, 2024

States › 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. Record year 2024.

Mississippi had 95,665 HMDA-reported mortgage applications and 49,623 originations ($9.4bn) in 2024, from 218 lenders with at least 25 applications in the state.

The statewide denial rate was 30.2% (national 24.3%) and the median rate spread 0.4 percentage points (national 0.3). Originations ran at 43.3 per 1,000 households, against 48.0 nationally.

Originations in the state went from 53,195 in 2018 to 49,623 in 2024; the denial rate moved from 28.0% to 30.2%.

The most active lenders by originations were Trustmark National Bank (4,122), Cadence Bank (3,519) and Community Bank of Mississippi (2,730).

95,665applications, 2024

49,623loans originated$9.4bn

30.2%denial rateUS 24.3%

43.3originations per 1,000 householdsUS 48.0

Most active lenders in Mississippi

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Trustmark National Bank	5,759	4,122	$618m	15.4%	0.3
2	Cadence Bank	5,239	3,519	$571m	22.3%	0.3
3	Community Bank of Mississippi	3,507	2,730	$406m	8.2%	0.7
4	Rocket Mortgage	3,890	2,626	$472m	24.9%	0.6
5	Bankplus	2,521	1,921	$375m	11.9%	0.2
6	Regions Bank	5,058	1,796	$263m	54.2%	0.6
7	Renasant Bank	2,493	1,657	$288m	17.4%	0.3
8	21st Mortgage	6,769	1,254	$140m	68.8%	4.2
9	Mortgage Research Center	2,210	1,063	$270m	28.3%	0.0
10	United Wholesale Mortgage	1,382	998	$252m	14.8%	0.2
11	Keesler Federal Credit Union	2,056	887	$128m	46.4%	-0.5
12	BankFirst Financial Services	1,051	851	$153m	8.7%	0.3
13	CMG Mortgage Inc	1,030	669	$136m	7.2%	0.4
14	Guaranty Bank & Trust Company	943	668	$155m	19.0%	—
15	Navy Federal Credit Union	1,639	655	$114m	40.8%	0.4
16	PriorityOne Bank	798	636	$122m	8.7%	0.4
17	DHI Mortgage Company, LTD.	905	616	$182m	14.0%	-1.2
18	Triad Financial Services, Inc.	2,387	584	$68m	44.9%	3.1
19	Crosscountry Mortgage, LLC	1,090	573	$130m	5.1%	0.6
20	Flagstar Bank NA	675	518	$111m	18.1%	0.3
21	Stockton Mortgage Corporation	761	504	$107m	12.9%	0.5
22	Hancock Whitney Bank	796	481	$98m	25.5%	0.4
23	Freedom Mortgage Corporation	1,048	478	$121m	15.3%	0.2
24	SWBC Mortgage Corporation	623	444	$95m	7.9%	-0.1
25	The First Bank	629	426	$91m	19.3%	0.2
26	New American Funding, LLC.	1,189	418	$85m	27.6%	1.0
27	American Mortgage Bank, LLC	571	411	$70m	4.3%	0.3
28	Pennymac Loan Services LLC	882	380	$89m	21.2%	0.1
29	Vanderbilt Mortgage and Finance, Inc	2,915	360	$47m	75.1%	4.3
30	Gmfs, LLC	570	360	$85m	6.5%	0.4
31	Community Mortgage Corporation	410	356	$104m	2.5%	0.2
32	Planters Bank and Trust Company	450	344	$32m	16.1%	2.9
33	Citizens National Bank of Meridian	480	332	$57m	14.0%	0.4
34	Magnolia Bank	393	314	$72m	5.6%	0.3
35	Guild Mortgage Company	465	312	$65m	9.3%	0.5
36	Loandepot.com, LLC	715	311	$52m	47.0%	0.8
37	The Citizens Bank	407	305	$70m	8.4%	—
38	Citizens Bank	338	304	$27m	3.6%	2.0
39	Planet Home Lending, LLC	342	278	$61m	16.8%	0.4
40	DSLD Mortgage LLC	380	264	$66m	10.7%	-0.3
41	Nations Lending Corporation	310	263	$56m	0.3%	0.4
42	JPMorgan Chase Bank, NA	383	244	$54m	15.5%	-0.1
43	Fairway Independent Mort Corp	378	237	$46m	18.5%	0.4
44	Union Home Mortgage Corp.	304	236	$64m	4.4%	0.0
45	Mortgage Investors Group	261	229	$57m	2.4%	0.5
46	Guaranteed Rate, Inc.	343	226	$57m	12.3%	0.3
47	Newrez LLC	805	217	$40m	47.6%	0.7
48	Eagle Bank and Trust Company	265	214	$51m	4.8%	0.3
49	Bank of England	310	205	$56m	8.0%	0.5
50	Cardinal Financial Company, Li	291	204	$42m	7.4%	0.4
51	Discover Bank	1,365	201	$15m	78.5%	2.8
52	Nationstar Mortgage	309	198	$32m	19.5%	1.0
53	First Community Mortgage	243	196	$41m	7.3%	0.3
54	Mortgage Solutions of Colorado	303	193	$39m	4.6%	0.7
55	Bank of Holly Springs	239	190	$22m	7.8%	—
56	Origin Bank	269	183	$37m	11.5%	0.3
57	Firstbank	1,381	181	$17m	59.4%	3.6
58	First Federal Savings and Loan Association of Pascagoula - Moss Point	224	177	$34m	12.1%	—
59	Magnolia State Bank	198	175	$28m	4.0%	—
60	Merchants & Marine Bank	235	168	$36m	10.4%	0.4

Top 60 of 218 lenders with at least 25 applications in the state, by originations. 114 lenders have 100 or more applications here and link to a state-specific page.

Compared with the nation

Measure	Mississippi	United States
Denial rate	30.2%	24.3%
Median rate spread, pp	0.4	0.3
Originations with spread of 1.5 pp or more	18.2%	15.6%
Average originated loan	$189k	$329k
Originations per 1,000 households	43.3	48.0
Home purchase share of originations	57.7%	57.0%
FHA-insured share	18.3%	13.4%
VA-guaranteed share	10.3%	7.9%

Trend, 2018–2024

ApplicationsOriginations

Applications and originations in Mississippi by year

MississippiUnited States

Denial rate by year, US dashed

FHA share of originationsVA share

FHA-insured and VA-guaranteed shares of originations in Mississippi by year

Year	Applications	Originations	Amount	Denial rate	FHA	VA	Refinance share
2018	92,225	53,195	$7.8bn	28.0%	15.8%	8.6%	32.3%
2019	101,377	57,788	$9.5bn	27.0%	16.4%	10.4%	34.3%
2020	131,246	78,161	$14bn	22.9%	13.7%	12.0%	48.6%
2021	143,475	83,963	$16bn	23.4%	14.6%	11.6%	47.0%
2022	113,700	59,237	$12bn	29.8%	15.1%	9.4%	31.7%
2023	90,711	45,994	$8.6bn	31.1%	17.8%	8.5%	25.1%
2024	95,665	49,623	$9.4bn	30.2%	18.3%	10.3%	27.1%

Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).

Loan purpose and loan type, 2024

By purpose

Home purchase 58% (28,640)Home improvement 6% (2,758)Refinancing 18% (8,970)Cash-out refinancing 9% (4,498)Other purpose 10% (4,743)

By type

Conventional 69% (34,168)FHA 18% (9,102)VA 10% (5,089)USDA 3% (1,264)

Counties

County	Applications	Originations	Per 1,000 households	Denial rate	Median spread	Lenders
DeSoto County	8,494	5,014	70.6	23.4%	0.3	61
Harrison County	8,382	4,457	53.5	26.3%	0.2	54
Rankin County	6,479	3,972	66.1	22.4%	0.3	49
Hinds County	6,620	3,404	38.0	31.6%	0.4	46
Jackson County	5,428	2,830	49.1	26.4%	0.3	46
Madison County	4,468	2,730	62.2	21.2%	0.3	40
Lee County	2,820	1,638	50.3	24.8%	0.4	20
Forrest County	2,486	1,386	46.0	26.4%	0.4	26
Lamar County	2,467	1,372	54.1	24.5%	0.3	30
Lafayette County	2,036	1,336	70.2	17.9%	0.4	14
Jones County	2,011	1,093	43.8	27.0%	0.6	13
Hancock County	2,054	1,053	52.0	29.8%	0.4	24
Pearl River County	2,024	1,034	47.3	29.9%	0.4	21
Lowndes County	1,747	981	42.6	27.2%	0.3	13
Lauderdale County	1,777	898	31.3	32.5%	0.3	11
Marshall County	1,508	755	57.3	30.6%	0.3	14
Oktibbeha County	1,298	723	33.1	26.1%	0.3	11
Warren County	1,257	572	34.1	36.5%	0.4	11
Tate County	956	564	51.2	23.8%	0.4	9
Monroe County	1,064	518	37.3	31.2%	0.6	9
Panola County	1,112	472	38.3	40.1%	0.5	11
Alcorn County	831	456	31.5	27.3%	0.4	11
George County	892	448	48.2	31.5%	0.6	9
Lincoln County	1,023	443	33.7	38.0%	0.8	9
Pike County	1,107	443	29.5	45.0%	0.8	10
Washington County	817	421	24.6	35.9%	0.7	5
Pontotoc County	864	412	34.9	36.7%	0.5	8
Simpson County	861	411	43.1	34.5%	0.7	8
Marion County	839	390	42.8	38.2%	1.1	7
Itawamba County	653	377	39.2	22.6%	0.4	6
Prentiss County	673	358	37.3	30.6%	0.5	5
Scott County	812	342	35.3	42.3%	1.5	7
Union County	699	331	33.6	33.9%	0.4	7
Tishomingo County	572	328	37.1	25.6%	0.4	7
Stone County	625	320	47.7	30.5%	0.5	6
Grenada County	538	292	34.5	27.8%	0.4	6
Yazoo County	590	276	31.5	35.7%	0.6	5
Copiah County	644	271	26.9	42.6%	0.8	6
Sunflower County	459	269	33.5	28.9%	1.1	4
Newton County	571	266	34.5	35.7%	0.8	6
Neshoba County	569	265	25.8	36.4%	0.9	4
Bolivar County	512	262	22.0	33.9%	0.5	4
Clay County	550	257	32.9	37.8%	0.4	3
Adams County	637	253	22.1	44.2%	0.7	6
Yalobusha County	511	253	50.6	32.3%	1.2	3
Covington County	592	222	30.3	47.5%	0.9	6
Smith County	461	220	39.3	34.1%	0.8	4
Winston County	442	214	30.0	37.4%	0.7	4
Leake County	416	209	28.2	33.4%	0.7	3
Wayne County	551	200	26.0	46.0%	0.8	4
Attala County	448	199	30.0	35.3%	0.7	5
Jasper County	506	199	29.9	44.4%	1.0	4
Tippah County	463	197	24.6	36.6%	0.6	4
Walthall County	510	188	35.5	45.3%	1.0	6
Clarke County	398	186	31.3	34.5%	0.7	4
Leflore County	348	165	16.2	40.1%	0.7	3
Greene County	329	159	38.7	33.9%	1.7	3
Perry County	345	156	33.6	37.1%	0.7	4
Lawrence County	361	146	33.1	44.4%	1.3	4
Calhoun County	315	144	25.7	36.4%	0.5	3
Chickasaw County	467	141	21.1	51.9%	0.9	4
Webster County	237	128	31.4	26.3%	0.6	2
Jefferson Davis County	384	114	25.6	57.2%	1.1	4
Amite County	327	113	19.3	48.7%	0.9	4
Holmes County	279	100	16.2	48.0%	1.2	3
Coahoma County	318	98	11.7	52.7%	0.5	1
Noxubee County	229	91	23.1	48.1%	1.4	2
Benton County	216	90	29.3	38.9%	0.9	2
Carroll County	211	88	20.7	34.8%	0.9	1
Tallahatchie County	205	82	19.0	45.9%	0.9	1
Choctaw County	189	72	20.8	43.6%	0.9	2
Montgomery County	177	72	17.4	39.9%	0.7	1
Kemper County	175	69	21.4	48.3%	1.0	1
Tunica County	130	67	17.6	29.0%	0.3	0
Humphreys County	180	63	21.7	53.6%	1.9	2
Franklin County	155	58	18.9	47.6%	1.5	1
Wilkinson County	180	56	17.6	54.1%	1.7	2
Claiborne County	193	52	17.3	55.6%	3.7	2
Jefferson County	188	33	13.2	75.5%	3.7	1
Quitman County	93	24	9.1	57.1%	—	0
Sharkey County	49	17	12.0	54.8%	—	0
Issaquena County	4	2	5.7	—	—	0

By originations. Lenders: those with at least 25 applications in the county.

VA-guaranteed loans by month

VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Mississippi originations by year is charted above from HMDA.

Questions and answers

Which mortgage lenders are most active in Mississippi?

By 2024 originations: Trustmark National Bank (4,122), Cadence Bank (3,519), Community Bank of Mississippi (2,730), Rocket Mortgage (2,626), Bankplus (1,921). 218 lenders had at least 25 applications in the state.

What is the mortgage denial rate in Mississippi?

30.2% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

How has mortgage lending in Mississippi changed since 2018?

Originations went from 53,195 in 2018 to 49,623 in 2024; the denial rate moved from 28.0% to 30.2%.

Where does this data come from?

From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.