U.S. Bank in Mississippi vs the state
50.4%Denial rate+27.51 pts vs state
60.2%Decision denial rate+31.75 pts vs state
32.9%Origination rate-19.96 pts vs state
7.50%Median rate+0.75 pts vs state
1.00Rate spread (pts)+0.67 pts vs state
$96kMedian applicant income
77Loans originated
118Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 252 | 81 | 52.8% | 7.75% | #69 |
| 2024 | 241 | 86 | 51.5% | 7.87% | #75 |
| 2025 | 234 | 77 | 50.4% | 7.50% | #79 |
What U.S. Bank lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 40 | 9 | 18 | 45.0% |
| Rankin County | 19 | 10 | 6 | 31.6% |
| Madison County | 19 | 8 | 8 | 42.1% |
| Lafayette County | 18 | 9 | 7 | 38.9% |
| Harrison County | 12 | 3 | 6 | 50.0% |
| Hinds County | 12 | 1 | 9 | 75.0% |
| Lowndes County | 10 | 5 | 4 | 40.0% |
| Jackson County | 6 | 2 | 2 | 33.3% |
| Washington County | 6 | 2 | 4 | 66.7% |
| Warren County | 5 | 2 | 3 | 60.0% |
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: 234 applications in 2025, of which 77 were originated and 118 denied.
50.4% of all applications, or 60.2% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans U.S. Bank originated in Mississippi in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are U.S. Bank'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