Freedom Mortgage in Mississippi vs the state
8.1%Denial rate-14.86 pts vs state
13.8%Decision denial rate-14.65 pts vs state
42.7%Origination rate-10.19 pts vs state
6.25%Median rate-0.50 pts vs state
-0.02Rate spread (pts)-0.35 pts vs state
$82kMedian applicant income
694Loans originated
131Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 485 | 186 | 17.9% | 6.75% | #43 |
| 2024 | 1,048 | 478 | 9.6% | 6.25% | #22 |
| 2025 | 1,626 | 694 | 8.1% | 6.25% | #14 |
What Freedom Mortgage lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 269 | 115 | 16 | 5.9% |
| Harrison County | 214 | 95 | 14 | 6.5% |
| Jackson County | 135 | 53 | 11 | 8.1% |
| Rankin County | 107 | 44 | 9 | 8.4% |
| Hinds County | 80 | 27 | 8 | 10.0% |
| Madison County | 61 | 26 | 5 | 8.2% |
| Pearl River County | 58 | 32 | 5 | 8.6% |
| Lamar County | 57 | 27 | 3 | 5.3% |
| Hancock County | 53 | 28 | 2 | 3.8% |
| Lowndes County | 51 | 18 | 4 | 7.8% |
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: 1,626 applications in 2025, of which 694 were originated and 131 denied.
8.1% of all applications, or 13.8% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Freedom Mortgage originated in Mississippi in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Freedom Mortgage'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