Hope Federal Credit Union in Mississippi vs the state
28.7%Denial rate+5.81 pts vs state
29.0%Decision denial rate+0.50 pts vs state
70.5%Origination rate+17.65 pts vs state
7.00%Median rate+0.25 pts vs state
0.68Rate spread (pts)+0.34 pts vs state
$54kMedian applicant income
378Loans originated
154Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 23 | 67.6% | 7.00% | #135 |
| 2024 | 249 | 126 | 49.0% | 6.88% | #72 |
| 2025 | 536 | 378 | 28.7% | 7.00% | #36 |
What Hope Federal Credit Union lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Hope Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hinds County | 93 | 60 | 33 | 35.5% |
| Madison County | 46 | 40 | 6 | 13.0% |
| Harrison County | 39 | 30 | 9 | 23.1% |
| Sunflower County | 34 | 25 | 9 | 26.5% |
| Jackson County | 31 | 18 | 13 | 41.9% |
| Rankin County | 31 | 17 | 14 | 45.2% |
| Forrest County | 27 | 20 | 7 | 25.9% |
| Jones County | 26 | 18 | 8 | 30.8% |
| DeSoto County | 22 | 16 | 6 | 27.3% |
| Lauderdale County | 15 | 9 | 5 | 33.3% |
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: 536 applications in 2025, of which 378 were originated and 154 denied.
28.7% of all applications, or 29.0% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Hope Federal Credit Union originated in Mississippi in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Hope 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