Mortgage lending in Pontotoc County, Mississippi
Lenders in Pontotoc County, Mississippi reported 944 mortgage applications for 2025, according to the CFPB.
944 mortgage applications and 462 loans originated in 2025; the denial rate was 30.3% of 748 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Pontotoc County, MS.
- 944
- Applications
- 462
- Loans originated
- 30.3%
- Denial rate
- 227 denied of 748 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 944 | 462 |
| 2024 | 864 | 412 |
| 2023 | 863 | 364 |
| 2022 | 1,002 | 489 |
| 2021 | 1,302 | 725 |
| 2020 | 1,154 | 626 |
| 2019 | 936 | 448 |
| 2018 | 808 | 473 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Renasant Bank | 88 | 127 |
| Cadence Bank | 37 | 50 |
| Guaranty Bank & Trust Company | 31 | 40 |
| Rocket Mortgage | 28 | 46 |
| Mortgage Investors Group | 28 | 30 |
| 21ST Mortgage | 20 | 143 |
| Pennymac Loan Services LLC | 18 | 24 |
| Triad Financial Services, Inc. | 17 | 47 |
| Regions Bank | 15 | 32 |
| Magnolia Bank | 13 | 14 |
| Bankplus | 11 | 17 |
| Southwest Funding LP | 9 | 10 |
| Cardinal Financial Company, Li | 9 | 11 |
| Trustmark Bank | 8 | 11 |
| loanDepot.com LLC | 8 | 18 |
| BankFirst Financial Services | 8 | 8 |
| First Community Mortgage, Inc. | 8 | 9 |
| Nationstar Mortgage | 7 | 12 |
| Community Bank of Mississippi | 6 | 8 |
| New American Funding, LLC. | 6 | 16 |
| Firstbank | 6 | 18 |
| American Financial Resources LLC | 4 | 5 |
| Premier Mortgage Resources, LLC | 4 | 4 |
| Mortgage Research Center | 3 | 23 |
| United Wholesale Mortgage | 3 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 118 | 46.6% of 88 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 683 | 27.3% of 554 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 121 | 31.5% of 92 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 44 | no rate: base under 50 |
| Not Hispanic or Latino | 776 | 29.1% of 611 decided |
| Joint | withheld | |
| Ethnicity Not Available | 110 | 31.5% of 89 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 312 | 29.1% of 251 decided |
| Female | 225 | 40.7% of 182 decided |
| Joint | 333 | 24.6% of 256 decided |
| Sex Not Available | 74 | 28.8% of 59 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. 2013 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