Gulf Coast Community Federal Credit Union in Mississippi vs the state
36.9%Denial rate+13.97 pts vs state
40.9%Decision denial rate+12.41 pts vs state
53.4%Origination rate+0.53 pts vs state
8.25%Median rate+1.50 pts vs state
2.03Rate spread (pts)+1.70 pts vs state
$97kMedian applicant income
55Loans originated
38Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 164 | 59 | 50.6% | 8.81% | #90 |
| 2024 | 123 | 47 | 57.7% | 9.13% | #104 |
| 2025 | 103 | 55 | 36.9% | 8.25% | #127 |
What Gulf Coast Community Federal Credit Union lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Gulf Coast Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 73 | 43 | 25 | 34.2% |
| Hancock County | 16 | 6 | 5 | 31.3% |
| Jackson County | 7 | 1 | 6 | 85.7% |
| Stone County | 5 | 5 | 0 | 0.0% |
| Pearl River County | 1 | 0 | 1 | 100.0% |
| Perry County | 1 | 0 | 1 | 100.0% |
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: 103 applications in 2025, of which 55 were originated and 38 denied.
36.9% of all applications, or 40.9% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Gulf Coast Community Federal Credit Union originated in Mississippi in 2025 was 8.25%, against a statewide median of 6.75%.
About this data. Figures are Gulf Coast Community Federal Credit Union'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