Navy Federal Credit Union in Mississippi vs the state
23.8%Denial rate+0.85 pts vs state
35.7%Decision denial rate+7.29 pts vs state
41.7%Origination rate-11.20 pts vs state
6.63%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.17 pts vs state
$98kMedian applicant income
633Loans originated
361Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,545 | 548 | 34.1% | 6.88% | #13 |
| 2024 | 1,639 | 655 | 27.8% | 7.13% | #13 |
| 2025 | 1,519 | 633 | 23.8% | 6.63% | #16 |
What Navy Federal Credit Union lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 323 | 164 | 71 | 22.0% |
| DeSoto County | 220 | 75 | 58 | 26.4% |
| Jackson County | 160 | 73 | 38 | 23.8% |
| Hinds County | 80 | 23 | 20 | 25.0% |
| Lauderdale County | 62 | 35 | 11 | 17.7% |
| Hancock County | 58 | 32 | 9 | 15.5% |
| Rankin County | 53 | 28 | 9 | 17.0% |
| Pearl River County | 37 | 21 | 6 | 16.2% |
| Madison County | 34 | 14 | 4 | 11.8% |
| Lowndes County | 32 | 13 | 6 | 18.8% |
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: 1,519 applications in 2025, of which 633 were originated and 361 denied.
23.8% of all applications, or 35.7% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Navy Federal Credit Union originated in Mississippi in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Navy 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