Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for DeSoto County, Mississippi
Every institution that decided a 1–4 unit mortgage application in DeSoto County, home to Southaven, between 2023 and 2025: 17,389 applications, 13,368 loans actually funded, across 8 kinds of borrowing.
DeSoto County at a glance
17,389Applications decided
2023–2025
13,368Loans funded
77% of decisions
41Census tracts
9 ZIP codes
188,598People
ACS 2023
What the data shows
Lenders approved 89.8% of home-purchase applications in DeSoto County, 5.7 points above the Mississippi rate.
The typical purchase mortgage here is $295K.
Home improvement loans is the hardest money to get here: lenders approved 55% of 1,662 applications.
Lending by loan type in DeSoto County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.8% | 9,028 | $295K | 97% | 279 |
| Home improvement loans | 54.9% | 1,662 | $55K | 91% | 75 |
| Cash-out refinance | 64.7% | 2,964 | $165K | 95% | 146 |
| Refinance | 79.7% | 2,457 | $245K | 92% | 145 |
| Investment property purchase | 93.3% | 822 | $175K | 94% | 138 |
| Investment cash-out refinance | 66.4% | 125 | $155K | 94% | 60 |
| Investment refinance | 90.0% | 260 | $145K | 97% | 61 |
| Investment home improvement | 73.2% | 71 | $55K | 88% | 27 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.