First Federal Bank in Mississippi vs the state
10.7%Denial rate-12.21 pts vs state
15.0%Decision denial rate-13.45 pts vs state
60.7%Origination rate+7.84 pts vs state
6.13%Median rate-0.63 pts vs state
-0.20Rate spread (pts)-0.53 pts vs state
$114kMedian applicant income
17Loans originated
3Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 13 | 16.0% | 6.50% | #207 |
| 2024 | 40 | 21 | 15.0% | 6.13% | #172 |
| 2025 | 28 | 17 | 10.7% | 6.13% | #212 |
What First Federal Bank lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 4 | 4 | 0 | 0.0% |
| Lee County | 4 | 2 | 1 | 25.0% |
| Lowndes County | 3 | 2 | 1 | 33.3% |
| DeSoto County | 3 | 3 | 0 | 0.0% |
| Rankin County | 3 | 1 | 0 | 0.0% |
| Hinds County | 2 | 0 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Benton County | 1 | 0 | 0 | 0.0% |
| Madison 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: 28 applications in 2025, of which 17 were originated and 3 denied.
10.7% of all applications, or 15.0% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans First Federal Bank originated in Mississippi in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are First Federal Bank'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