First Horizon Bank in Mississippi vs the state
18.8%Denial rate-4.09 pts vs state
20.5%Decision denial rate-8.00 pts vs state
69.9%Origination rate+17.00 pts vs state
6.75%Median rate0.00 pts vs state
0.12Rate spread (pts)-0.21 pts vs state
$110kMedian applicant income
167Loans originated
45Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 305 | 188 | 23.9% | 6.13% | #57 |
| 2024 | 263 | 163 | 21.3% | 7.00% | #70 |
| 2025 | 239 | 167 | 18.8% | 6.75% | #77 |
What First Horizon Bank lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most First Horizon Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 96 | 58 | 27 | 28.1% |
| Madison County | 25 | 21 | 2 | 8.0% |
| Hinds County | 22 | 16 | 3 | 13.6% |
| Rankin County | 19 | 16 | 1 | 5.3% |
| Tate County | 16 | 5 | 9 | 56.3% |
| Lafayette County | 16 | 14 | 0 | 0.0% |
| Harrison County | 9 | 8 | 0 | 0.0% |
| Hancock County | 8 | 6 | 1 | 12.5% |
| Panola County | 6 | 6 | 0 | 0.0% |
| Marshall County | 4 | 3 | 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: 239 applications in 2025, of which 167 were originated and 45 denied.
18.8% of all applications, or 20.5% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans First Horizon Bank originated in Mississippi in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are First Horizon 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