Bank of America in Mississippi vs the state
48.3%Denial rate+25.36 pts vs state
64.5%Decision denial rate+36.09 pts vs state
26.0%Origination rate-26.88 pts vs state
6.24%Median rate-0.51 pts vs state
0.28Rate spread (pts)-0.05 pts vs state
$102kMedian applicant income
98Loans originated
182Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 513 | 133 | 59.8% | 7.49% | #41 |
| 2024 | 405 | 100 | 55.3% | 7.00% | #45 |
| 2025 | 377 | 98 | 48.3% | 6.24% | #52 |
What Bank of America lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 89 | 23 | 40 | 44.9% |
| Harrison County | 36 | 7 | 16 | 44.4% |
| Madison County | 29 | 12 | 11 | 37.9% |
| Hinds County | 29 | 10 | 12 | 41.4% |
| Lafayette County | 22 | 12 | 5 | 22.7% |
| Rankin County | 20 | 9 | 8 | 40.0% |
| Jackson County | 18 | 2 | 7 | 38.9% |
| Lee County | 12 | 3 | 6 | 50.0% |
| Lowndes County | 10 | 1 | 6 | 60.0% |
| Hancock County | 10 | 4 | 3 | 30.0% |
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: 377 applications in 2025, of which 98 were originated and 182 denied.
48.3% of all applications, or 64.5% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Bank of America originated in Mississippi in 2025 was 6.24%, against a statewide median of 6.75%.
About this data. Figures are Bank of America'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