Mortgage lending in DeSoto County, Mississippi
Lenders in DeSoto County, Mississippi reported 8,690 mortgage applications for 2025, according to the CFPB.
8,690 mortgage applications and 5,176 loans originated in 2025; the denial rate was 21.2% of 6,984 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Memphis, TN-MS-AR HUD Metro FMR Area.
- 8,690
- Applications
- 5,176
- Loans originated
- 21.2%
- Denial rate
- 1,482 denied of 6,984 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,690 | 5,176 |
| 2024 | 8,494 | 5,014 |
| 2023 | 7,994 | 4,726 |
| 2022 | 11,388 | 6,919 |
| 2021 | 16,222 | 10,632 |
| 2020 | 14,403 | 9,667 |
| 2019 | 9,825 | 6,422 |
| 2018 | 8,648 | 5,741 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 363 | 545 |
| Cadence Bank | 348 | 491 |
| Trustmark Bank | 287 | 376 |
| Regions Bank | 204 | 445 |
| United Wholesale Mortgage | 202 | 284 |
| Community Mortgage Corporation | 200 | 239 |
| Eagle Bank and Trust Company | 149 | 189 |
| Community Bank of Mississippi | 144 | 177 |
| Nations Lending Corporation | 139 | 156 |
| Mortgage Research Center | 121 | 240 |
| Freedom Mortgage Corporation | 115 | 269 |
| Pennymac Loan Services LLC | 115 | 233 |
| Bankplus | 107 | 131 |
| Renasant Bank | 101 | 145 |
| Guaranty Bank & Trust Company | 96 | 130 |
| Crosscountry Mortgage, LLC | 94 | 145 |
| Guaranteed Rate, Inc. | 88 | 122 |
| CMG Mortgage Inc | 78 | 112 |
| Guild Mortgage Company | 76 | 98 |
| Navy Federal Credit Union | 75 | 220 |
| DHI Mortgage Company, LTD. | 65 | 102 |
| loanDepot.com LLC | 64 | 117 |
| Primelending | 62 | 73 |
| Nationstar Mortgage | 59 | 89 |
| First Horizon Bank | 58 | 96 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 30 | no rate: base under 50 |
| Asian | 193 | 22.0% of 159 decided |
| Black or African American | 2,713 | 28.0% of 2,133 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 4,163 | 16.4% of 3,439 decided |
| 2 or more minority races | 26 | no rate: base under 50 |
| Joint | 100 | 14.9% of 74 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,446 | 23.1% of 1,122 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 359 | 23.6% of 284 decided |
| Not Hispanic or Latino | 6,871 | 20.9% of 5,574 decided |
| Joint | 100 | 13.5% of 74 decided |
| Ethnicity Not Available | 1,360 | 22.5% of 1,052 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,183 | 22.5% of 2,549 decided |
| Female | 2,210 | 25.2% of 1,753 decided |
| Joint | 2,475 | 15.5% of 2,057 decided |
| Sex Not Available | 822 | 23.8% of 625 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 694 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved