SUNBELT Federal Credit Union in Mississippi vs the state
17.7%Denial rate-5.27 pts vs state
23.4%Decision denial rate-5.07 pts vs state
57.8%Origination rate+4.97 pts vs state
5.25%Median rate-1.50 pts vs state
0.20Rate spread (pts)-0.13 pts vs state
$95kMedian applicant income
59Loans originated
18Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 196 | 76 | 37.2% | 4.99% | #83 |
| 2024 | 119 | 66 | 29.4% | 5.25% | #105 |
| 2025 | 102 | 59 | 17.7% | 5.25% | #128 |
What SUNBELT Federal Credit Union lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most SUNBELT Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jones County | 23 | 18 | 3 | 13.0% |
| Lamar County | 9 | 8 | 0 | 0.0% |
| Forrest County | 9 | 8 | 0 | 0.0% |
| Harrison County | 7 | 4 | 0 | 0.0% |
| Pike County | 6 | 5 | 1 | 16.7% |
| Smith County | 3 | 1 | 2 | 66.7% |
| Jackson County | 3 | 2 | 0 | 0.0% |
| Simpson County | 3 | 0 | 0 | 0.0% |
| Covington County | 3 | 2 | 1 | 33.3% |
| Wayne County | 3 | 2 | 1 | 33.3% |
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: 102 applications in 2025, of which 59 were originated and 18 denied.
17.7% of all applications, or 23.4% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans SUNBELT Federal Credit Union originated in Mississippi in 2025 was 5.25%, against a statewide median of 6.75%.
About this data. Figures are SUNBELT 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