First Community Mortgage in Mississippi vs the state
11.7%Denial rate-11.19 pts vs state
12.2%Decision denial rate-16.27 pts vs state
75.3%Origination rate+22.44 pts vs state
6.38%Median rate-0.38 pts vs state
0.26Rate spread (pts)-0.07 pts vs state
$81kMedian applicant income
244Loans originated
38Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 216 | 172 | 8.3% | 6.75% | #76 |
| 2024 | 243 | 196 | 7.0% | 6.63% | #74 |
| 2025 | 324 | 244 | 11.7% | 6.38% | #61 |
What First Community Mortgage lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 34 | 25 | 2 | 5.9% |
| Union County | 19 | 17 | 0 | 0.0% |
| Madison County | 19 | 14 | 3 | 15.8% |
| Pike County | 19 | 12 | 2 | 10.5% |
| Attala County | 18 | 12 | 3 | 16.7% |
| DeSoto County | 17 | 12 | 4 | 23.5% |
| Lowndes County | 17 | 12 | 3 | 17.6% |
| Tippah County | 13 | 11 | 2 | 15.4% |
| Lincoln County | 12 | 10 | 0 | 0.0% |
| Harrison County | 11 | 10 | 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: 324 applications in 2025, of which 244 were originated and 38 denied.
11.7% of all applications, or 12.2% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans First Community Mortgage originated in Mississippi in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are First Community 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