Union Home Mortgage in Mississippi vs the state
7.5%Denial rate-15.38 pts vs state
9.0%Decision denial rate-19.44 pts vs state
75.1%Origination rate+22.26 pts vs state
6.25%Median rate-0.50 pts vs state
0.01Rate spread (pts)-0.32 pts vs state
$96kMedian applicant income
299Loans originated
30Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 159 | 124 | 3.1% | 6.75% | #91 |
| 2024 | 304 | 236 | 3.6% | 6.13% | #62 |
| 2025 | 398 | 299 | 7.5% | 6.25% | #48 |
What Union Home Mortgage lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 68 | 51 | 6 | 8.8% |
| Rankin County | 53 | 46 | 5 | 9.4% |
| Panola County | 34 | 26 | 1 | 2.9% |
| Tate County | 20 | 17 | 1 | 5.0% |
| Madison County | 19 | 17 | 0 | 0.0% |
| Scott County | 16 | 10 | 1 | 6.3% |
| Oktibbeha County | 16 | 14 | 0 | 0.0% |
| Marshall County | 15 | 12 | 1 | 6.7% |
| Jackson County | 15 | 10 | 3 | 20.0% |
| Harrison County | 12 | 7 | 3 | 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: 398 applications in 2025, of which 299 were originated and 30 denied.
7.5% of all applications, or 9.0% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Union Home Mortgage originated in Mississippi in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Union Home 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