First National Bank of America in Mississippi vs the state
26.7%Denial rate+3.75 pts vs state
36.4%Decision denial rate+7.91 pts vs state
46.7%Origination rate-6.20 pts vs state
8.75%Median rate+2.00 pts vs state
2.79Rate spread (pts)+2.46 pts vs state
$91kMedian applicant income
7Loans originated
4Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 5 | 40.0% | 10.75% | #246 |
| 2024 | 19 | 13 | 26.3% | 9.13% | #237 |
| 2025 | 15 | 7 | 26.7% | 8.75% | #258 |
What First National Bank of America lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 4 | 2 | 0 | 0.0% |
| DeSoto County | 2 | 1 | 1 | 50.0% |
| Jackson County | 2 | 2 | 0 | 0.0% |
| Marshall County | 2 | 1 | 0 | 0.0% |
| Pontotoc County | 2 | 0 | 1 | 50.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Lafayette County | 1 | 0 | 1 | 100.0% |
| Pearl River 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: 15 applications in 2025, of which 7 were originated and 4 denied.
26.7% of all applications, or 36.4% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans First National Bank of America originated in Mississippi in 2025 was 8.75%, against a statewide median of 6.75%.
About this data. Figures are First National Bank of America'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