USAA Federal Savings Bank in Mississippi vs the state
31.7%Denial rate+8.73 pts vs state
42.2%Decision denial rate+13.74 pts vs state
43.4%Origination rate-9.52 pts vs state
6.38%Median rate-0.38 pts vs state
-0.17Rate spread (pts)-0.50 pts vs state
$110kMedian applicant income
137Loans originated
100Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 342 | 157 | 22.5% | 6.38% | #55 |
| 2024 | 326 | 150 | 27.9% | 6.50% | #58 |
| 2025 | 316 | 137 | 31.7% | 6.38% | #65 |
What USAA Federal Savings Bank lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 45 | 17 | 16 | 35.6% |
| DeSoto County | 37 | 19 | 10 | 27.0% |
| Jackson County | 26 | 11 | 7 | 26.9% |
| Rankin County | 17 | 9 | 5 | 29.4% |
| Madison County | 16 | 7 | 5 | 31.3% |
| Lowndes County | 14 | 6 | 3 | 21.4% |
| Hinds County | 14 | 4 | 4 | 28.6% |
| Pearl River County | 11 | 6 | 4 | 36.4% |
| Lamar County | 10 | 5 | 1 | 10.0% |
| Lee County | 9 | 4 | 1 | 11.1% |
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: 316 applications in 2025, of which 137 were originated and 100 denied.
31.7% of all applications, or 42.2% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans USAA Federal Savings Bank originated in Mississippi in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are USAA Federal Savings 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