Navigator CU in Mississippi vs the state
18.2%Denial rate-4.74 pts vs state
23.8%Decision denial rate-4.64 pts vs state
58.2%Origination rate+5.31 pts vs state
6.38%Median rate-0.38 pts vs state
0.01Rate spread (pts)-0.32 pts vs state
$76kMedian applicant income
64Loans originated
20Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 79 | 9.4% | 6.63% | #102 |
| 2024 | 83 | 49 | 13.3% | 6.50% | #127 |
| 2025 | 110 | 64 | 18.2% | 6.38% | #122 |
What Navigator CU lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Navigator CU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 77 | 42 | 14 | 18.2% |
| Harrison County | 12 | 8 | 2 | 16.7% |
| Forrest County | 5 | 3 | 1 | 20.0% |
| Greene County | 4 | 3 | 0 | 0.0% |
| George County | 3 | 2 | 1 | 33.3% |
| Lamar County | 3 | 2 | 1 | 33.3% |
| Covington County | 2 | 0 | 1 | 50.0% |
| Clarke County | 1 | 1 | 0 | 0.0% |
| Pearl River County | 1 | 1 | 0 | 0.0% |
| Stone 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: 110 applications in 2025, of which 64 were originated and 20 denied.
18.2% of all applications, or 23.8% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Navigator CU originated in Mississippi in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Navigator CU'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