First Colony Mortgage in Mississippi vs the state
5.4%Denial rate-17.51 pts vs state
7.0%Decision denial rate-21.46 pts vs state
47.6%Origination rate-5.30 pts vs state
6.50%Median rate-0.25 pts vs state
0.23Rate spread (pts)-0.10 pts vs state
$102kMedian applicant income
88Loans originated
10Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 37 | 31 | 8.1% | 6.88% | #173 |
| 2024 | 194 | 141 | 6.2% | 6.38% | #86 |
| 2025 | 185 | 88 | 5.4% | 6.50% | #91 |
What First Colony Mortgage lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most First Colony Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 35 | 16 | 1 | 2.9% |
| Lamar County | 21 | 16 | 0 | 0.0% |
| Jackson County | 18 | 6 | 0 | 0.0% |
| Forrest County | 16 | 6 | 1 | 6.3% |
| DeSoto County | 13 | 9 | 1 | 7.7% |
| Lowndes County | 9 | 6 | 0 | 0.0% |
| Hancock County | 6 | 2 | 0 | 0.0% |
| Madison County | 5 | 3 | 0 | 0.0% |
| Bolivar County | 5 | 3 | 0 | 0.0% |
| Stone County | 5 | 0 | 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: 185 applications in 2025, of which 88 were originated and 10 denied.
5.4% of all applications, or 7.0% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans First Colony Mortgage originated in Mississippi in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are First Colony Mortgage'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