American Financing in Mississippi vs the state
46.7%Denial rate+23.82 pts vs state
62.3%Decision denial rate+33.87 pts vs state
19.6%Origination rate-33.30 pts vs state
6.25%Median rate-0.50 pts vs state
0.28Rate spread (pts)-0.06 pts vs state
$80kMedian applicant income
36Loans originated
86Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 19 | 40.0% | 6.50% | #111 |
| 2024 | 133 | 19 | 68.4% | 6.00% | #100 |
| 2025 | 184 | 36 | 46.7% | 6.25% | #92 |
What American Financing lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 27 | 2 | 14 | 51.9% |
| Jackson County | 21 | 3 | 10 | 47.6% |
| DeSoto County | 17 | 2 | 6 | 35.3% |
| Rankin County | 11 | 7 | 1 | 9.1% |
| Madison County | 9 | 2 | 2 | 22.2% |
| Pearl River County | 7 | 1 | 2 | 28.6% |
| Jones County | 6 | 1 | 4 | 66.7% |
| Hancock County | 6 | 2 | 3 | 50.0% |
| Alcorn County | 6 | 1 | 2 | 33.3% |
| Panola County | 5 | 1 | 4 | 80.0% |
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: 184 applications in 2025, of which 36 were originated and 86 denied.
46.7% of all applications, or 62.3% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans American Financing originated in Mississippi in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are American Financing'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