American Heritage Lending in Mississippi vs the state
10.9%Denial rate-12.05 pts vs state
12.8%Decision denial rate-15.63 pts vs state
47.8%Origination rate-5.04 pts vs state
7.56%Median rate+0.81 pts vs state
0.87Rate spread (pts)+0.54 pts vs state
$75kMedian applicant income
22Loans originated
5Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 13 | 16.3% | 9.88% | #166 |
| 2024 | 43 | 13 | 14.0% | 8.00% | #170 |
| 2025 | 46 | 22 | 10.9% | 7.56% | #179 |
What American Heritage Lending lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hinds County | 25 | 10 | 3 | 12.0% |
| DeSoto County | 4 | 2 | 1 | 25.0% |
| Rankin County | 3 | 0 | 1 | 33.3% |
| Harrison County | 3 | 2 | 0 | 0.0% |
| Alcorn County | 3 | 3 | 0 | 0.0% |
| Lafayette County | 2 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Tate County | 1 | 1 | 0 | 0.0% |
| Oktibbeha County | 1 | 1 | 0 | 0.0% |
| Marshall County | 1 | 0 | 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: 46 applications in 2025, of which 22 were originated and 5 denied.
10.9% of all applications, or 12.8% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans American Heritage Lending originated in Mississippi in 2025 was 7.56%, against a statewide median of 6.75%.
About this data. Figures are American Heritage Lending'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