Credit Human Federal Credit Union in Mississippi vs the state
82.4%Denial rate+59.43 pts vs state
82.4%Decision denial rate+53.90 pts vs state
3.6%Origination rate-49.23 pts vs state
8.10%Median rate+1.35 pts vs state
2.13Rate spread (pts)+1.80 pts vs state
$62kMedian applicant income
13Loans originated
294Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 394 | 35 | 77.7% | 7.60% | #48 |
| 2024 | 392 | 22 | 80.1% | 8.40% | #47 |
| 2025 | 357 | 13 | 82.4% | 8.10% | #59 |
What Credit Human Federal Credit Union lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 33 | 1 | 27 | 81.8% |
| Pearl River County | 23 | 1 | 17 | 73.9% |
| Stone County | 18 | 1 | 12 | 66.7% |
| Walthall County | 17 | 1 | 15 | 88.2% |
| Jackson County | 15 | 0 | 11 | 73.3% |
| Hinds County | 14 | 1 | 11 | 78.6% |
| Marion County | 13 | 2 | 10 | 76.9% |
| Rankin County | 12 | 3 | 7 | 58.3% |
| Amite County | 11 | 1 | 8 | 72.7% |
| Lamar County | 11 | 0 | 9 | 81.8% |
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: 357 applications in 2025, of which 13 were originated and 294 denied.
82.4% of all applications, or 82.4% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Credit Human Federal Credit Union originated in Mississippi in 2025 was 8.10%, against a statewide median of 6.75%.
About this data. Figures are Credit Human Federal Credit Union'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