T2 Financial in Mississippi vs the state
19.7%Denial rate-3.25 pts vs state
20.7%Decision denial rate-7.76 pts vs state
67.2%Origination rate+14.34 pts vs state
6.63%Median rate-0.13 pts vs state
0.71Rate spread (pts)+0.38 pts vs state
$82kMedian applicant income
41Loans originated
12Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 2 | 0.0% | 6.69% | #330 |
| 2024 | 33 | 22 | 12.1% | 6.75% | #188 |
| 2025 | 61 | 41 | 19.7% | 6.63% | #159 |
What T2 Financial lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 12 | 9 | 1 | 8.3% |
| Harrison County | 7 | 5 | 1 | 14.3% |
| Jackson County | 5 | 3 | 2 | 40.0% |
| Pearl River County | 5 | 4 | 0 | 0.0% |
| Hinds County | 4 | 1 | 3 | 75.0% |
| Marshall County | 3 | 3 | 0 | 0.0% |
| Washington County | 3 | 3 | 0 | 0.0% |
| Lamar County | 3 | 2 | 0 | 0.0% |
| George County | 2 | 1 | 0 | 0.0% |
| Perry County | 2 | 1 | 1 | 50.0% |
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: 61 applications in 2025, of which 41 were originated and 12 denied.
19.7% of all applications, or 20.7% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans T2 Financial originated in Mississippi in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are T2 Financial'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