Mississippi’s FHA denial rate in 2025 was 24.8% across 13,439 decisioned applications — ranking #11 of 52 states. Among high-volume lenders, the lowest observed denial rate was Cardinal Financial Company, Li at 5.3%; the highest was Amerisave Mortgage Company at 81.3%. The institutional spread inside Mississippi is 15.3×: the same FHA application faces a 5.3% observed denial rate at one high-volume door and 81.3% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Mississippi FHA apps | Denial rate |
|---|---|---|
| Cardinal Financial Company, Li | 361 | 5.3% |
| Guild Mortgage Company | 349 | 6.9% |
| Cmg Mortgage Inc | 348 | 7.8% |
| Trustmark Bank | 933 | 12.0% |
| Renasant Bank | 326 | 13.8% |
| Cadence Bank | 483 | 19.9% |
| Freedom Mortgage Corporation | 354 | 21.5% |
| United Wholesale Mortgage | 516 | 23.6% |
| Pennymac Loan Services LLC | 297 | 27.3% |
| New American Funding, LLC. | 370 | 28.4% |
| Dhi Mortgage Company, Ltd. | 398 | 30.2% |
| Rocket Mortgage | 1,262 | 34.9% |
| Loandepot.Com LLC | 410 | 43.9% |
| Regions Bank | 294 | 45.2% |
| Amerisave Mortgage Company | 492 | 81.3% |
Applications under $150K were denied 41.7% of the time versus 16.3% for loans of $250K+ — a 2.6× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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