Figure Lending in Mississippi vs the state
35.2%Denial rate+12.26 pts vs state
36.4%Decision denial rate+7.97 pts vs state
40.9%Origination rate-11.93 pts vs state
8.76%Median rate+2.01 pts vs state
2.58Rate spread (pts)+2.24 pts vs state
$95kMedian applicant income
192Loans originated
165Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 342 | 148 | 37.1% | 11.00% | #54 |
| 2024 | 369 | 163 | 30.4% | 11.10% | #52 |
| 2025 | 469 | 192 | 35.2% | 8.76% | #41 |
What Figure Lending lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 66 | 35 | 19 | 28.8% |
| Harrison County | 41 | 22 | 11 | 26.8% |
| Rankin County | 35 | 20 | 6 | 17.1% |
| Jackson County | 31 | 12 | 7 | 22.6% |
| Madison County | 30 | 9 | 14 | 46.7% |
| Hinds County | 29 | 11 | 15 | 51.7% |
| Lee County | 27 | 8 | 10 | 37.0% |
| Hancock County | 15 | 6 | 5 | 33.3% |
| Lowndes County | 14 | 7 | 4 | 28.6% |
| Lamar County | 12 | 5 | 4 | 33.3% |
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: 469 applications in 2025, of which 192 were originated and 165 denied.
35.2% of all applications, or 36.4% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Figure Lending originated in Mississippi in 2025 was 8.76%, against a statewide median of 6.75%.
About this data. Figures are Figure 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