Keesler mortgage approval rate & lending review
Keesler decided 3,714 mortgage applications and funded 2,097 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Keesler reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Keesler at a glance
Approval is 16.7 points below the 73.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 75% | 815 / 1,088 | 100% | $215K | 812 |
| Home improvement loans | 42% | 308 / 727 | 97% | $55K | 298 |
| Cash-out refinance | 52% | 781 / 1,491 | 99% | $65K | 775 |
| Refinance | 54% | 131 / 241 | 99% | $165K | 130 |
| Investment property purchase | 57% | 30 / 53 | 100% | $125K | 30 |
| Investment cash-out refinance | 40% | 26 / 65 | 100% | $105K | 26 |
| Investment refinance | 78% | 21 / 27 | 100% | $155K | 21 |
Keesler lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Mississippi | 59% | $65K | 2,787 | 1,625 |
| Louisiana | 48% | $65K | 651 | 303 |
| Alabama | 61% | $215K | 218 | 133 |
| Florida | 64% | $275K | 58 | 36 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Keesler lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harrison County, MS | Mortgage lenders | 76% | 438 | 330 |
| Harrison County, MS | Cash-out refinance | 56% | 581 | 324 |
| Jackson County, MS | Cash-out refinance | 56% | 403 | 224 |
| Jackson County, MS | Mortgage lenders | 75% | 273 | 206 |
| Harrison County, MS | Home improvement loans | 44% | 245 | 106 |
| St. Tammany Parish, LA | Cash-out refinance | 48% | 182 | 86 |
| Jackson County, MS | Home improvement loans | 43% | 176 | 73 |
| Harrison County, MS | Refinance | 59% | 104 | 61 |
| Mobile County, AL | Mortgage lenders | 82% | 66 | 54 |
| St. Tammany Parish, LA | Mortgage lenders | 68% | 74 | 50 |
| Rankin County, MS | Mortgage lenders | 72% | 68 | 49 |
| St. Tammany Parish, LA | Home improvement loans | 47% | 91 | 41 |
The county markets where Keesler made the most loans. Each link opens that market with every lender ranked.
Questions about Keesler
What is Keesler's mortgage approval rate?
Keesler approved 57.0% of the 3,714 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.7 points below the 73.7% national rate for the same mix of loan types.
How often do borrowers take the loan Keesler offers?
Borrowers accepted 99% of the loans Keesler approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Keesler make?
The typical cash-out refinance loan Keesler made was $65K; across all loan types its typical loan ran from $55K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Keesler lend?
Keesler decided applications in 4 of the states Fat Boy Data covers, most of them in Mississippi, Louisiana and Alabama.
Can I apply to Keesler directly?
Yes. Keesler is a bank or credit union with 56 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Keesler's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Keesler treats applications, then get a rate quote from the lender.