Hometown Equity Mortgage in Mississippi vs the state
45.2%Denial rate+22.24 pts vs state
45.2%Decision denial rate+16.71 pts vs state
54.8%Origination rate+1.97 pts vs state
7.25%Median rate+0.50 pts vs state
0.67Rate spread (pts)+0.34 pts vs state
$89kMedian applicant income
17Loans originated
14Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 11 | 52.0% | 9.25% | #206 |
| 2024 | 14 | 6 | 50.0% | 8.69% | #256 |
| 2025 | 31 | 17 | 45.2% | 7.25% | #203 |
What Hometown Equity Mortgage lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hinds County | 10 | 4 | 6 | 60.0% |
| Madison County | 4 | 2 | 2 | 50.0% |
| DeSoto County | 3 | 2 | 1 | 33.3% |
| Rankin County | 3 | 2 | 1 | 33.3% |
| Hancock County | 2 | 1 | 1 | 50.0% |
| Harrison County | 2 | 0 | 2 | 100.0% |
| Jefferson Davis County | 1 | 1 | 0 | 0.0% |
| Marshall County | 1 | 1 | 0 | 0.0% |
| Coahoma County | 1 | 0 | 1 | 100.0% |
| Tishomingo County | 1 | 1 | 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: 31 applications in 2025, of which 17 were originated and 14 denied.
45.2% of all applications, or 45.2% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Hometown Equity Mortgage originated in Mississippi in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Hometown Equity 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