River Bank & Trust in Mississippi vs the state
14.3%Denial rate-8.63 pts vs state
25.0%Decision denial rate-3.45 pts vs state
42.9%Origination rate-10.01 pts vs state
8.20%Median rate+1.45 pts vs state
0.98Rate spread (pts)+0.64 pts vs state
$109kMedian applicant income
3Loans originated
1Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 20.0% | 7.06% | #342 |
| 2025 | 7 | 3 | 14.3% | 8.20% | #310 |
What River Bank & Trust lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most River Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 3 | 1 | 1 | 33.3% |
| George County | 2 | 1 | 0 | 0.0% |
| Wayne County | 1 | 0 | 0 | 0.0% |
| Scott 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: 7 applications in 2025, of which 3 were originated and 1 denied.
14.3% of all applications, or 25.0% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans River Bank & Trust originated in Mississippi in 2025 was 8.20%, against a statewide median of 6.75%.
About this data. Figures are River Bank & Trust'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