Mortgage lending in DeSoto County
5,176 mortgages were originated in DeSoto County, Mississippi, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,176
- Median rate
- 6.500%
- Median lender fees
- $6,550
- Median loan amount
- $235,000
- Median spread over APOR
- 0.235
- Paid discount points
- 46.8%
- Received lender credits
- 18.9%
- Purchases / refinances
- 54.1% / 29.8%
- Conventional / FHA / VA
- 61.3% / 25.5% / 12.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 74% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in DeSoto County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 363 | $5,462 | 6.750% |
| Cadence Bank | 348 | $5,471 | 6.875% |
| Trustmark National Bank | 287 | $6,268 | 6.375% |
| Regions Bank | 204 | — | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 202 | $10,065 | 6.124% |
| COMMUNITY MORTGAGE CORPORATION | 200 | $7,633 | 6.250% |
| Eagle Bank and Trust Company | 149 | $7,493 | 6.495% |
| Community Bank of Mississippi | 144 | $3,923 | 6.995% |
| Nations Lending Corporation | 139 | $5,772 | 6.500% |
| Mortgage Research Center, LLC | 121 | $4,203 | 6.250% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in DeSoto County — not a rule of thumb.
From 3,832 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers