Citizens Equity First in Mississippi vs the state
10.0%Denial rate-12.92 pts vs state
14.3%Decision denial rate-14.16 pts vs state
60.0%Origination rate+7.13 pts vs state
7.19%Median rate+0.44 pts vs state
0.08Rate spread (pts)-0.25 pts vs state
$120kMedian applicant income
6Loans originated
1Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 7 | 7.7% | 6.50% | #262 |
| 2024 | 11 | 7 | 18.2% | 6.75% | #280 |
| 2025 | 10 | 6 | 10.0% | 7.19% | #284 |
What Citizens Equity First lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Citizens Equity First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Alcorn County | 4 | 2 | 0 | 0.0% |
| Rankin County | 2 | 1 | 1 | 50.0% |
| Pontotoc County | 1 | 1 | 0 | 0.0% |
| Warren County | 1 | 0 | 0 | 0.0% |
| DeSoto County | 1 | 1 | 0 | 0.0% |
| Tishomingo County | 1 | 1 | 0 | 0.0% |
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: 10 applications in 2025, of which 6 were originated and 1 denied.
10.0% of all applications, or 14.3% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Citizens Equity First originated in Mississippi in 2025 was 7.19%, against a statewide median of 6.75%.
About this data. Figures are Citizens Equity First'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