OCMBC in Mississippi vs the state
8.5%Denial rate-14.41 pts vs state
10.0%Decision denial rate-18.45 pts vs state
59.6%Origination rate+6.70 pts vs state
7.00%Median rate+0.25 pts vs state
1.46Rate spread (pts)+1.13 pts vs state
$113kMedian applicant income
28Loans originated
4Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 4 | 33.3% | 8.00% | #327 |
| 2024 | 38 | 19 | 31.6% | 8.00% | #175 |
| 2025 | 47 | 28 | 8.5% | 7.00% | #174 |
What OCMBC lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rankin County | 12 | 9 | 0 | 0.0% |
| Hinds County | 8 | 6 | 0 | 0.0% |
| Harrison County | 6 | 1 | 0 | 0.0% |
| Madison County | 5 | 3 | 1 | 20.0% |
| DeSoto County | 5 | 5 | 0 | 0.0% |
| Lauderdale County | 2 | 0 | 1 | 50.0% |
| Jackson County | 2 | 2 | 0 | 0.0% |
| Lee County | 2 | 2 | 0 | 0.0% |
| Tippah County | 1 | 0 | 0 | 0.0% |
| Forrest County | 1 | 0 | 1 | 100.0% |
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: 47 applications in 2025, of which 28 were originated and 4 denied.
8.5% of all applications, or 10.0% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans OCMBC originated in Mississippi in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are OCMBC'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