Flagstar Bank in Mississippi vs the state
30.3%Denial rate+7.40 pts vs state
33.1%Decision denial rate+4.65 pts vs state
60.7%Origination rate+7.78 pts vs state
6.38%Median rate-0.38 pts vs state
0.26Rate spread (pts)-0.08 pts vs state
$86kMedian applicant income
94Loans originated
47Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 672 | 498 | 19.5% | 6.50% | #29 |
| 2024 | 675 | 518 | 17.0% | 6.38% | #33 |
| 2025 | 155 | 94 | 30.3% | 6.38% | #100 |
What Flagstar Bank lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 18 | 12 | 5 | 27.8% |
| Lee County | 17 | 9 | 8 | 47.1% |
| Union County | 11 | 11 | 0 | 0.0% |
| Oktibbeha County | 9 | 4 | 5 | 55.6% |
| Lafayette County | 8 | 6 | 0 | 0.0% |
| Hinds County | 6 | 2 | 3 | 50.0% |
| Prentiss County | 6 | 4 | 2 | 33.3% |
| Lowndes County | 6 | 4 | 2 | 33.3% |
| Pontotoc County | 5 | 3 | 2 | 40.0% |
| Hancock County | 5 | 2 | 3 | 60.0% |
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: 155 applications in 2025, of which 94 were originated and 47 denied.
30.3% of all applications, or 33.1% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Flagstar Bank originated in Mississippi in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Flagstar Bank'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