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Rocket Mortgage in Mississippi

HMDA record for properties in Mississippi, calendar year 2024. National record · Mississippi overview

LEI 549300FGXN1K3HLB1R50
Reporting agency Department of Housing and Urban Development
State Mississippi

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Rocket Mortgage's 2024 HMDA record for Mississippi covers 3,890 applications, 2,626 of them originated, worth $472m.

Its denial rate in the state was 24.9%, below the Mississippi rate of 30.2% across all lenders and compared with the lender's national rate of 18.2%.

The median rate spread on its Mississippi originations was 0.6 percentage points (state median 0.4).

Applications in the state were up 9% on 2023.

3,890applications in MS, 20240.8% of the lender's total
2,626loans originated$472m
24.9%denial rateMS all lenders 30.2%
0.6 ppmedian rate spreadMS 0.4 pp

Compared with the state and the lender's national record

MeasureIn MississippiMississippi, all lendersRocket Mortgage, all statesUnited States
Denial rate24.9%30.2%18.2%24.3%
Median rate spread, pp0.60.40.50.3
Originations with spread of 1.5 pp or more14.0%18.2%17.8%15.6%
Average originated loan$180k$189k$270k$329k
Home purchase share32.4%57.7%38.0%57.0%
FHA-insured share33.1%18.3%18.5%13.4%
VA-guaranteed share11.7%10.3%7.8%7.9%

Trend by year

ApplicationsOriginations

02717.55,4352022: 5,435 Applications2023: 3,562 Applications2024: 3,890 Applications2022: 3,505 Originations2023: 2,369 Originations2024: 2,626 Originations202220232024
Rocket Mortgage in Mississippi: applications and originations, 2022–2024

This lender in stateMississippi, all lenders

0%15.6%31.1%2022: 27.1% This lender in state2023: 25.7% This lender in state2024: 24.9% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Mississippi

By purpose

Home purchase 32% (851)Home improvement 1% (26)Refinancing 10% (262)Cash-out refinancing 50% (1,319)Other purpose 6% (168)

By type

Conventional 55% (1,450)FHA 33% (869)VA 12% (307)

Denial reasons as coded

Collateral51.1%
Credit application incomplete16%
Debt-to-income ratio15.4%
Credit history6.8%
Other3.1%
Insufficient cash (downpayment, closing costs)2.9%
Unverifiable information2.8%
Employment history1.8%
Mortgage insurance denied0%

Share of 894 denials in Mississippi by first denial reason coded (outlined bar: all lenders in the state).

Counties in Mississippi

CountyApplicationsOriginationsAmountDenial rate
DeSoto County475342$70m18.9%
Harrison County310210$38m24.4%
Rankin County265205$43m16.0%
Hinds County272178$29m26.5%
Jackson County241158$26m23.6%
Madison County164112$29m24.8%
Lee County9776$13m18.1%
Lafayette County7967$14m10.4%
Hancock County9666$13m23.9%
Lamar County9266$14m18.3%
Pearl River County8859$9.8m18.8%
Forrest County8658$10m24.1%
Lowndes County7955$10.0m27.6%
Marshall County7552$10m23.6%
Jones County5739$5.7m24.1%
Oktibbeha County5837$8.5m25.0%
Lauderdale County5837$6.8m28.8%
Alcorn County4934$5.4m26.1%
Tishomingo County4531$4.3m20.0%
Tate County3830$5.8m18.9%
Panola County4429$4.6m24.4%
Warren County4827$4.0m37.2%
Monroe County4427$4.2m31.7%
Pontotoc County3527$4.2m22.9%
Lincoln County3725$4.9m30.6%
Marion County3224$4.5m20.0%
Prentiss County3621$2.5m33.3%
Itawamba County3121$2.6m24.1%
Pike County3219$3.1m36.7%
George County3817$3.4m48.5%
Washington County3817$2.2m51.4%
Adams County3117$2.3m41.4%
Walthall County3916$2.3m46.7%
Union County2914$1.9m37.0%
Sunflower County2714$1.6m48.1%
Newton County2513$1.5m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Rocket Mortgage originate in Mississippi in 2024?

2,626 loans totalling $472m, from 3,890 applications reported for properties in Mississippi.

What is Rocket Mortgage's denial rate in Mississippi?

24.9% of decided applications in Mississippi were denied, against 30.2% for all lenders in the state and 18.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Mississippi counties does Rocket Mortgage lend in most?

By originations: DeSoto County (342), Harrison County (210), Rankin County (205), Hinds County (178), Jackson County (158).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Mississippi. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.