Royal United Mortgage in Mississippi vs the state
27.1%Denial rate+4.16 pts vs state
34.2%Decision denial rate+5.76 pts vs state
50.0%Origination rate-2.87 pts vs state
6.75%Median rate0.00 pts vs state
1.04Rate spread (pts)+0.71 pts vs state
$41kMedian applicant income
72Loans originated
39Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 138 | 89 | 21.0% | 7.00% | #95 |
| 2024 | 179 | 91 | 32.4% | 6.88% | #89 |
| 2025 | 144 | 72 | 27.1% | 6.75% | #105 |
What Royal United Mortgage lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hinds County | 11 | 5 | 4 | 36.4% |
| Jackson County | 10 | 4 | 5 | 50.0% |
| Harrison County | 9 | 6 | 3 | 33.3% |
| Lauderdale County | 8 | 3 | 1 | 12.5% |
| Lowndes County | 6 | 3 | 2 | 33.3% |
| DeSoto County | 6 | 4 | 0 | 0.0% |
| Tate County | 5 | 1 | 2 | 40.0% |
| Copiah County | 5 | 4 | 0 | 0.0% |
| Rankin County | 5 | 2 | 1 | 20.0% |
| Panola County | 4 | 0 | 1 | 25.0% |
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: 144 applications in 2025, of which 72 were originated and 39 denied.
27.1% of all applications, or 34.2% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Royal United Mortgage originated in Mississippi in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Royal United Mortgage'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