Geneva Financial in Mississippi vs the state
6.1%Denial rate-16.86 pts vs state
9.1%Decision denial rate-19.36 pts vs state
59.9%Origination rate+6.98 pts vs state
6.63%Median rate-0.13 pts vs state
0.87Rate spread (pts)+0.54 pts vs state
$64kMedian applicant income
79Loans originated
8Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 39 | 1.5% | 7.13% | #139 |
| 2024 | 128 | 73 | 7.0% | 6.50% | #103 |
| 2025 | 132 | 79 | 6.1% | 6.63% | #110 |
What Geneva Financial lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lowndes County | 43 | 25 | 3 | 7.0% |
| Lee County | 26 | 16 | 2 | 7.7% |
| Oktibbeha County | 12 | 6 | 1 | 8.3% |
| Monroe County | 7 | 6 | 0 | 0.0% |
| Prentiss County | 7 | 4 | 0 | 0.0% |
| Clay County | 6 | 3 | 0 | 0.0% |
| Itawamba County | 5 | 5 | 0 | 0.0% |
| Rankin County | 4 | 3 | 0 | 0.0% |
| Jackson County | 3 | 1 | 0 | 0.0% |
| Tishomingo County | 3 | 2 | 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: 132 applications in 2025, of which 79 were originated and 8 denied.
6.1% of all applications, or 9.1% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Geneva Financial originated in Mississippi in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Geneva Financial'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