Acopia in Mississippi vs the state
4.4%Denial rate-18.50 pts vs state
4.9%Decision denial rate-23.55 pts vs state
76.1%Origination rate+23.24 pts vs state
6.38%Median rate-0.38 pts vs state
0.32Rate spread (pts)-0.01 pts vs state
$86kMedian applicant income
86Loans originated
5Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 123 | 94 | 4.9% | 7.25% | #101 |
| 2024 | 174 | 129 | 2.3% | 6.38% | #90 |
| 2025 | 113 | 86 | 4.4% | 6.38% | #118 |
What Acopia lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Acopia applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 53 | 41 | 4 | 7.5% |
| Rankin County | 24 | 19 | 0 | 0.0% |
| Hinds County | 8 | 6 | 0 | 0.0% |
| Madison County | 8 | 4 | 1 | 12.5% |
| Copiah County | 4 | 4 | 0 | 0.0% |
| Pontotoc County | 4 | 0 | 0 | 0.0% |
| Leake County | 3 | 3 | 0 | 0.0% |
| Tate County | 3 | 3 | 0 | 0.0% |
| Attala County | 2 | 2 | 0 | 0.0% |
| Newton County | 1 | 1 | 0 | 0.0% |
Other large lenders in Mississippi
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 6,764 | 48.5% | 10.56% |
| 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% |
Frequently asked questions
Mississippi: 113 applications in 2025, of which 86 were originated and 5 denied.
4.4% of all applications, or 4.9% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Acopia originated in Mississippi in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Acopia'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