Emm Loans in Mississippi vs the state
18.2%Denial rate-4.74 pts vs state
28.6%Decision denial rate+0.12 pts vs state
45.5%Origination rate-7.42 pts vs state
6.13%Median rate-0.63 pts vs state
0.40Rate spread (pts)+0.06 pts vs state
$76kMedian applicant income
5Loans originated
2Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 6 | 4.0% | 6.44% | #208 |
| 2024 | 32 | 14 | 3.1% | 6.50% | #192 |
| 2025 | 11 | 5 | 18.2% | 6.13% | #280 |
What Emm Loans lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Simpson County | 2 | 1 | 1 | 50.0% |
| Rankin County | 1 | 1 | 0 | 0.0% |
| Alcorn County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 0 | 1 | 100.0% |
| Pearl River County | 1 | 0 | 0 | 0.0% |
| Lamar County | 1 | 1 | 0 | 0.0% |
| DeSoto County | 1 | 1 | 0 | 0.0% |
| Kemper County | 1 | 0 | 0 | 0.0% |
| Tunica County | 1 | 0 | 0 | 0.0% |
| Harrison 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: 11 applications in 2025, of which 5 were originated and 2 denied.
18.2% of all applications, or 28.6% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Emm Loans originated in Mississippi in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Emm Loans'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