Guaranteed Rate in Mississippi vs the state
16.8%Denial rate-6.16 pts vs state
24.4%Decision denial rate-4.05 pts vs state
50.6%Origination rate-2.32 pts vs state
6.50%Median rate-0.25 pts vs state
0.31Rate spread (pts)-0.03 pts vs state
$87kMedian applicant income
184Loans originated
61Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 363 | 213 | 6.1% | 6.48% | #50 |
| 2024 | 343 | 226 | 9.3% | 6.50% | #54 |
| 2025 | 364 | 184 | 16.8% | 6.50% | #55 |
What Guaranteed Rate lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 122 | 88 | 11 | 9.0% |
| Harrison County | 37 | 17 | 8 | 21.6% |
| Jackson County | 37 | 19 | 7 | 18.9% |
| Forrest County | 22 | 15 | 3 | 13.6% |
| Lamar County | 22 | 11 | 4 | 18.2% |
| Hinds County | 13 | 2 | 7 | 53.8% |
| Pearl River County | 12 | 5 | 3 | 25.0% |
| Marshall County | 9 | 5 | 2 | 22.2% |
| Madison County | 9 | 4 | 2 | 22.2% |
| Rankin County | 8 | 0 | 2 | 25.0% |
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: 364 applications in 2025, of which 184 were originated and 61 denied.
16.8% of all applications, or 24.4% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Guaranteed Rate originated in Mississippi in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Guaranteed Rate'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