GMFS in Mississippi vs the state
2.5%Denial rate-20.39 pts vs state
3.7%Decision denial rate-24.73 pts vs state
54.0%Origination rate+1.17 pts vs state
6.63%Median rate-0.13 pts vs state
0.30Rate spread (pts)-0.03 pts vs state
$108kMedian applicant income
214Loans originated
10Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 593 | 347 | 9.1% | 6.75% | #35 |
| 2024 | 570 | 360 | 4.6% | 6.63% | #38 |
| 2025 | 396 | 214 | 2.5% | 6.63% | #49 |
What GMFS lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most GMFS applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pearl River County | 80 | 31 | 0 | 0.0% |
| Harrison County | 41 | 18 | 1 | 2.4% |
| Hancock County | 30 | 19 | 0 | 0.0% |
| Lafayette County | 23 | 19 | 0 | 0.0% |
| Jackson County | 17 | 12 | 0 | 0.0% |
| Lamar County | 16 | 11 | 0 | 0.0% |
| Marion County | 15 | 10 | 1 | 6.7% |
| Forrest County | 14 | 9 | 0 | 0.0% |
| Lincoln County | 13 | 2 | 1 | 7.7% |
| Pike County | 11 | 9 | 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: 396 applications in 2025, of which 214 were originated and 10 denied.
2.5% of all applications, or 3.7% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans GMFS originated in Mississippi in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are GMFS'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