Mutual Credit Union in Mississippi vs the state
35.5%Denial rate+12.54 pts vs state
42.0%Decision denial rate+13.57 pts vs state
33.3%Origination rate-19.54 pts vs state
—Median rate
—Rate spread (pts)
$91kMedian applicant income
94Loans originated
100Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 201 | 82 | 31.3% | — | #81 |
| 2024 | 200 | 71 | 37.0% | — | #84 |
| 2025 | 282 | 94 | 35.5% | — | #68 |
What Mutual Credit Union lends in Mississippi
By loan purpose
By loan type
Where in Mississippi
Counties with the most Mutual Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 93 | 34 | 33 | 35.5% |
| Hinds County | 38 | 9 | 15 | 39.5% |
| Lafayette County | 36 | 12 | 15 | 41.7% |
| Madison County | 24 | 12 | 3 | 12.5% |
| Yazoo County | 19 | 5 | 8 | 42.1% |
| Rankin County | 16 | 6 | 3 | 18.8% |
| Claiborne County | 8 | 2 | 4 | 50.0% |
| Panola County | 6 | 2 | 2 | 33.3% |
| Lowndes County | 4 | 1 | 2 | 50.0% |
| Holmes County | 4 | 1 | 3 | 75.0% |
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: 282 applications in 2025, of which 94 were originated and 100 denied.
35.5% of all applications, or 42.0% 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 Mutual 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