Cardinal Financial Company, Limited Partnership in Mississippi vs the state
6.6%Denial rate-16.32 pts vs state
6.7%Decision denial rate-21.74 pts vs state
74.9%Origination rate+21.98 pts vs state
6.25%Median rate-0.50 pts vs state
0.67Rate spread (pts)+0.34 pts vs state
$71kMedian applicant income
363Loans originated
32Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 334 | 223 | 9.0% | 6.25% | #56 |
| 2024 | 291 | 204 | 7.2% | 6.13% | #65 |
| 2025 | 485 | 363 | 6.6% | 6.25% | #38 |
What Cardinal Financial Company, Limited Partnership lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lowndes County | 50 | 29 | 14 | 28.0% |
| Monroe County | 18 | 14 | 1 | 5.6% |
| Panola County | 18 | 14 | 0 | 0.0% |
| DeSoto County | 14 | 11 | 2 | 14.3% |
| Oktibbeha County | 12 | 5 | 3 | 25.0% |
| Jackson County | 12 | 11 | 0 | 0.0% |
| Pontotoc County | 11 | 9 | 2 | 18.2% |
| Rankin County | 11 | 11 | 0 | 0.0% |
| Lauderdale County | 10 | 10 | 0 | 0.0% |
| Calhoun County | 9 | 7 | 1 | 11.1% |
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: 485 applications in 2025, of which 363 were originated and 32 denied.
6.6% of all applications, or 6.7% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Mississippi in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Cardinal Financial Company, Limited Partnership'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