Memphis City Employees Credit Union in Mississippi vs the state
10.7%Denial rate-12.21 pts vs state
13.6%Decision denial rate-14.81 pts vs state
67.9%Origination rate+14.99 pts vs state
—Median rate
—Rate spread (pts)
$108kMedian applicant income
19Loans originated
3Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 11 | 28.6% | — | #218 |
| 2024 | 19 | 15 | 21.1% | — | #240 |
| 2025 | 28 | 19 | 10.7% | — | #216 |
What Memphis City Employees Credit Union lends in Mississippi
By loan purpose
By loan type
Where in Mississippi
Counties with the most Memphis City Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 24 | 15 | 3 | 12.5% |
| Marshall County | 3 | 3 | 0 | 0.0% |
| Tate 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: 28 applications in 2025, of which 19 were originated and 3 denied.
10.7% of all applications, or 13.6% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Memphis City Employees 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