Mortgage lending in Smith County, Mississippi
Lenders in Smith County, Mississippi reported 564 mortgage applications for 2025, according to the CFPB.
564 mortgage applications and 277 loans originated in 2025; the denial rate was 33.3% of 469 applications decided. The median loan was about $105,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Smith County, MS.
- 564
- Applications
- 277
- Loans originated
- 33.3%
- Denial rate
- 156 denied of 469 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 564 | 277 |
| 2024 | 461 | 220 |
| 2023 | 498 | 237 |
| 2022 | 545 | 253 |
| 2021 | 640 | 299 |
| 2020 | 548 | 279 |
| 2019 | 517 | 276 |
| 2018 | 459 | 263 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Community Bank of Mississippi | 69 | 86 |
| Trustmark Bank | 44 | 54 |
| Triad Financial Services, Inc. | 23 | 51 |
| 21ST Mortgage | 16 | 108 |
| Rocket Mortgage | 13 | 19 |
| PriorityOne Bank | 9 | 12 |
| United Wholesale Mortgage | 9 | 11 |
| Cadence Bank | 9 | 13 |
| Peoples Bank | 7 | 9 |
| Guild Mortgage Company | 7 | 7 |
| BankFirst Financial Services | 6 | 8 |
| Bank of Forest | 5 | 5 |
| Bank of Commerce | 4 | 6 |
| loanDepot.com LLC | 4 | 6 |
| Regions Bank | 4 | 14 |
| Figure Lending LLC | 2 | 3 |
| Vanderbilt Mortgage and Finance, Inc | 2 | 21 |
| Southwest Stage Funding LLC | 2 | 5 |
| Hope Federal Credit Union | 2 | 2 |
| Grand Bank for Savings, FSB | 2 | 2 |
| Newrez LLC | 2 | 3 |
| Firstbank | 2 | 14 |
| New Day Financial, LLC. | 2 | 7 |
| Mortgage Investors Group | 2 | 2 |
| Citizens National Bank of Meridian | 2 | 2 |
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 | 132 | 54.8% of 104 decided |
| White | 373 | 25.7% of 319 decided |
| Joint | 11 | no rate: base under 50 |
| Race Not Available | 45 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 482 | 30.7% of 414 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 72 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 205 | 32.5% of 166 decided |
| Female | 119 | 47.0% of 100 decided |
| Joint | 205 | 25.6% of 176 decided |
| Sex Not Available | 35 | no rate: base under 50 |
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. 2702 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