Mortgage Approval and Denial Rates in Mississippi (2025 HMDA)
Mortgage denial rates in Mississippi: lenders acted on 102,395 mortgage applications in Mississippi in 2025 and denied 22.7% of them, down from 24.1% in 2024. The national denial rate was 17.7%.
Applications acted on
102,395
Loans originated
54,386
Denial rate
22.7%
Median loan
$135,000
Mississippi against the national picture
Most-reported denial reason in Mississippi: Credit history.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Jefferson County | 229 | 49.3% | $95,000 |
| Claiborne County | 201 | 49.3% | $95,000 |
| Wilkinson County | 188 | 41.5% | $105,000 |
| Wayne County | 625 | 40.8% | $95,000 |
| Jefferson Davis County | 441 | 40.6% | $95,000 |
| Holmes County | 281 | 39.9% | $75,000 |
| Jasper County | 640 | 39.2% | $95,000 |
| Tallahatchie County | 228 | 38.6% | $85,000 |
| Kemper County | 181 | 37.6% | $95,000 |
| Humphreys County | 171 | 36.8% | $75,000 |
| Walthall County | 613 | 35.6% | $95,000 |
| Amite County | 374 | 35.6% | $105,000 |
| Noxubee County | 237 | 35.4% | $95,000 |
| Franklin County | 210 | 35.2% | $95,000 |
| Lawrence County | 427 | 34.7% | $105,000 |
| Pike County | 1,206 | 34.2% | $105,000 |
| Covington County | 699 | 34.2% | $95,000 |
| Montgomery County | 233 | 32.6% | $105,000 |
| Tunica County | 147 | 31.3% | $125,000 |
| Coahoma County | 445 | 31.2% | $75,000 |
| Chickasaw County | 447 | 31.1% | $105,000 |
| Tippah County | 480 | 30.8% | $105,000 |
| Copiah County | 731 | 30.6% | $105,000 |
| Adams County | 706 | 30.0% | $115,000 |
| Grenada County | 613 | 29.5% | $105,000 |
| Marion County | 1,006 | 29.1% | $105,000 |
| Simpson County | 915 | 29.0% | $115,000 |
| Perry County | 378 | 28.8% | $115,000 |
| Quitman County | 104 | 28.8% | $75,000 |
| Panola County | 1,239 | 28.5% | $125,000 |
| Warren County | 1,285 | 27.9% | $115,000 |
| Lincoln County | 1,067 | 27.8% | $115,000 |
| Newton County | 669 | 27.8% | $95,000 |
| Smith County | 564 | 27.7% | $95,000 |
| Scott County | 866 | 27.5% | $95,000 |
| Leake County | 507 | 27.4% | $115,000 |
| Neshoba County | 626 | 27.2% | $105,000 |
| Calhoun County | 341 | 27.0% | $95,000 |
| Sunflower County | 440 | 26.8% | $75,000 |
| Clarke County | 517 | 26.7% | $95,000 |
| Greene County | 343 | 26.5% | $105,000 |
| Prentiss County | 680 | 26.3% | $105,000 |
| Attala County | 517 | 26.3% | $85,000 |
| Union County | 775 | 26.1% | $135,000 |
| Leflore County | 487 | 25.9% | $75,000 |
| Monroe County | 1,162 | 25.6% | $105,000 |
| Yazoo County | 598 | 25.4% | $95,000 |
| Carroll County | 241 | 25.3% | $95,000 |
| Winston County | 473 | 24.9% | $95,000 |
| Webster County | 262 | 24.8% | $105,000 |
| Clay County | 630 | 24.6% | $105,000 |
| Bolivar County | 525 | 24.4% | $115,000 |
| Choctaw County | 217 | 24.4% | $105,000 |
| Benton County | 321 | 24.3% | $115,000 |
| Hinds County | 6,999 | 24.2% | $105,000 |
| Pontotoc County | 944 | 24.0% | $125,000 |
| Stone County | 698 | 23.2% | $135,000 |
| Pearl River County | 2,368 | 22.8% | $155,000 |
| George County | 967 | 22.8% | $155,000 |
| Yalobusha County | 490 | 22.2% | $95,000 |
| Tishomingo County | 591 | 22.0% | $125,000 |
| Washington County | 885 | 21.9% | $75,000 |
| Forrest County | 2,626 | 21.8% | $135,000 |
| Tate County | 1,013 | 21.6% | $165,000 |
| Alcorn County | 958 | 21.5% | $125,000 |
| Lauderdale County | 1,904 | 21.1% | $115,000 |
| Jones County | 2,175 | 20.9% | $105,000 |
| Hancock County | 2,204 | 20.8% | $175,000 |
| Lee County | 3,208 | 20.7% | $135,000 |
| Oktibbeha County | 1,420 | 20.5% | $165,000 |
| Harrison County | 8,868 | 20.4% | $175,000 |
| Lowndes County | 1,955 | 20.4% | $145,000 |
| Itawamba County | 691 | 20.4% | $115,000 |
| Marshall County | 1,567 | 20.2% | $175,000 |
| Jackson County | 5,879 | 19.2% | $155,000 |
| Lamar County | 2,617 | 18.9% | $175,000 |
| Rankin County | 6,985 | 17.2% | $175,000 |
| DeSoto County | 8,688 | 17.0% | $225,000 |
| Madison County | 4,665 | 16.7% | $225,000 |
| Lafayette County | 2,431 | 13.3% | $255,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.