Standard Mortgage in Mississippi vs the state
20.0%Denial rate-2.92 pts vs state
25.0%Decision denial rate-3.45 pts vs state
60.0%Origination rate+7.13 pts vs state
6.38%Median rate-0.38 pts vs state
0.27Rate spread (pts)-0.06 pts vs state
$105kMedian applicant income
15Loans originated
5Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 15 | 11.1% | 6.75% | #201 |
| 2024 | 32 | 15 | 12.5% | 6.38% | #197 |
| 2025 | 25 | 15 | 20.0% | 6.38% | #230 |
What Standard Mortgage lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Standard Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pearl River County | 6 | 5 | 0 | 0.0% |
| Harrison County | 4 | 3 | 1 | 25.0% |
| Hancock County | 4 | 2 | 1 | 25.0% |
| DeSoto County | 3 | 1 | 2 | 66.7% |
| Forrest County | 2 | 1 | 0 | 0.0% |
| Lauderdale County | 2 | 1 | 0 | 0.0% |
| Rankin County | 1 | 0 | 1 | 100.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Lafayette County | 1 | 1 | 0 | 0.0% |
| Leake 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: 25 applications in 2025, of which 15 were originated and 5 denied.
20.0% 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 Standard Mortgage originated in Mississippi in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Standard 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