First Federal Savings and Loan Association in Mississippi vs the state
10.1%Denial rate-12.78 pts vs state
11.1%Decision denial rate-17.34 pts vs state
81.1%Origination rate+28.21 pts vs state
—Median rate
—Rate spread (pts)
$116kMedian applicant income
120Loans originated
15Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 286 | 222 | 11.9% | — | #59 |
| 2024 | 224 | 177 | 11.2% | — | #79 |
| 2025 | 148 | 120 | 10.1% | — | #103 |
What First Federal Savings and Loan Association lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most First Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 104 | 83 | 11 | 10.6% |
| George County | 21 | 17 | 1 | 4.8% |
| Harrison County | 11 | 10 | 1 | 9.1% |
| Greene County | 5 | 4 | 1 | 20.0% |
| Hancock County | 3 | 3 | 0 | 0.0% |
| Lowndes County | 1 | 1 | 0 | 0.0% |
| Stone County | 1 | 1 | 0 | 0.0% |
| Perry County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 0 | 1 | 100.0% |
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: 148 applications in 2025, of which 120 were originated and 15 denied.
10.1% of all applications, or 11.1% 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 First Federal Savings and Loan Association'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