Concordia Bank & Trust in Mississippi vs the state
12.8%Denial rate-10.15 pts vs state
15.2%Decision denial rate-13.26 pts vs state
69.2%Origination rate+16.28 pts vs state
—Median rate
—Rate spread (pts)
$80kMedian applicant income
65Loans originated
12Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 100 | 68 | 15.0% | — | #112 |
| 2024 | 87 | 48 | 21.8% | — | #122 |
| 2025 | 94 | 65 | 12.8% | — | #135 |
What Concordia Bank & Trust lends in Mississippi
By loan purpose
By loan type
Where in Mississippi
Counties with the most Concordia Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 53 | 35 | 9 | 17.0% |
| Wilkinson County | 30 | 25 | 1 | 3.3% |
| Jefferson County | 3 | 1 | 0 | 0.0% |
| Franklin County | 3 | 2 | 1 | 33.3% |
| Amite County | 3 | 1 | 1 | 33.3% |
| Pike County | 1 | 0 | 0 | 0.0% |
| Rankin 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: 94 applications in 2025, of which 65 were originated and 12 denied.
12.8% of all applications, or 15.2% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Concordia Bank & Trust'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