21st Mortgage in Mississippi vs the state
48.5%Denial rate+25.62 pts vs state
74.0%Decision denial rate+45.51 pts vs state
15.8%Origination rate-37.08 pts vs state
10.56%Median rate+3.81 pts vs state
4.84Rate spread (pts)+4.51 pts vs state
$57kMedian applicant income
1,068Loans originated
3,283Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,861 | 1,045 | 46.1% | 9.60% | #2 |
| 2024 | 6,769 | 1,254 | 44.2% | 10.14% | #1 |
| 2025 | 6,764 | 1,068 | 48.5% | 10.56% | #1 |
What 21st Mortgage lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Panola County | 188 | 31 | 95 | 50.5% |
| Jones County | 185 | 26 | 79 | 42.7% |
| Rankin County | 183 | 31 | 87 | 47.5% |
| Lee County | 170 | 13 | 75 | 44.1% |
| Lincoln County | 168 | 27 | 81 | 48.2% |
| Marion County | 149 | 18 | 85 | 57.0% |
| Jasper County | 148 | 21 | 84 | 56.8% |
| Pearl River County | 148 | 17 | 81 | 54.7% |
| Harrison County | 146 | 31 | 69 | 47.3% |
| Pontotoc County | 143 | 20 | 61 | 42.7% |
Other large lenders in Mississippi
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Trustmark National Bank | C | 5,531 | 12.5% | 6.75% |
| Cadence Bank | B | 5,301 | 19.2% | 7.25% |
| Regions Bank | C | 4,916 | 44.7% | 5.75% |
| Rocket Mortgage | C | 4,636 | 24.8% | 6.63% |
| Community Bank of Mississippi | C | 3,856 | 9.0% | 7.65% |
| Renasant Bank | B | 3,188 | 14.3% | 6.99% |
| Triad Financial Services | D | 3,140 | 34.4% | 8.76% |
| Vanderbilt Mortgage and Finance | F | 2,840 | 44.3% | 10.25% |
| BankPlus | B | 2,638 | 10.7% | 6.50% |
| Mortgage Research Center | C | 2,628 | 19.1% | 6.38% |
Frequently asked questions
Mississippi: 6,764 applications in 2025, of which 1,068 were originated and 3,283 denied.
48.5% of all applications, or 74.0% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans 21st Mortgage originated in Mississippi in 2025 was 10.56%, against a statewide median of 6.75%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Mississippi, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology