Finance Atlas

Banking & Mortgage-Lending Access in Mississippi

316 FDIC-insured institutions (57 currently active) are recorded in Mississippi in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 32.0% in Mississippi.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

316
FDIC institutions (total)
57
Currently active
32.0%
Overall denial rate (HMDA 2024)
49,565
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Mississippi?

FDIC BankFind records 316 FDIC-insured institutions (all historical) in Mississippi, of which 57 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 316
Currently active 57

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Mississippi?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Mississippi:

Charter class Description Count
NM State non-member bank (Fed non-member) 171
SL Savings institution (state-chartered S&L) 51
N National bank (OCC-chartered) 43
SM State member bank (Fed member) 26
SB Savings bank (state-chartered) 22
SI Savings institution (OTS-supervised) 2
NC Non-deposit trust company 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Mississippi? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 32.0% in Mississippi. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 32.0%
White applicants 24.8%
Black applicants 48.0%
Black/White denial rate ratio 1.94x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=MS

Mortgage origination volume in Mississippi (2024)

HMDA 2024 data record 49,565 originated mortgage loans in Mississippi , totaling $9.4B , with an average loan size of $188,795.

Metric Value
Originated loans (2024) 49,565
Total origination volume $9.4B
Average loan size $188,795

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=MS

Data exported June 20, 2026 · content hash 5f7e262908dd330b · machine-readable brief: /finance/states/ms/context.md

Where to act