Village Capital & Investment in Mississippi vs the state
11.9%Denial rate-11.05 pts vs state
16.2%Decision denial rate-12.27 pts vs state
38.9%Origination rate-14.02 pts vs state
5.75%Median rate-1.00 pts vs state
—Rate spread (pts)
$74kMedian applicant income
108Loans originated
33Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 137 | 29 | 9.5% | 6.50% | #96 |
| 2024 | 270 | 96 | 13.7% | 5.75% | #66 |
| 2025 | 278 | 108 | 11.9% | 5.75% | #69 |
What Village Capital & Investment lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 45 | 17 | 6 | 13.3% |
| Harrison County | 37 | 14 | 5 | 13.5% |
| Jackson County | 25 | 10 | 4 | 16.0% |
| Hinds County | 16 | 6 | 4 | 25.0% |
| Rankin County | 15 | 4 | 2 | 13.3% |
| Lamar County | 12 | 6 | 2 | 16.7% |
| Hancock County | 10 | 5 | 0 | 0.0% |
| Forrest County | 8 | 2 | 1 | 12.5% |
| Lowndes County | 8 | 3 | 0 | 0.0% |
| Madison County | 6 | 3 | 1 | 16.7% |
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: 278 applications in 2025, of which 108 were originated and 33 denied.
11.9% of all applications, or 16.2% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Village Capital & Investment originated in Mississippi in 2025 was 5.75%, against a statewide median of 6.75%.
About this data. Figures are Village Capital & Investment'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