First South Farm Credit, ACA in Mississippi vs the state
0.0%Denial rate-22.92 pts vs state
0.0%Decision denial rate-28.45 pts vs state
90.0%Origination rate+37.13 pts vs state
7.55%Median rate+0.80 pts vs state
1.36Rate spread (pts)+1.03 pts vs state
$135kMedian applicant income
18Loans originated
0Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 10 | 0.0% | 8.36% | #276 |
| 2024 | 10 | 9 | 10.0% | 7.79% | #283 |
| 2025 | 20 | 18 | 0.0% | 7.55% | #241 |
What First South Farm Credit, ACA lends in Mississippi
By loan purpose
By loan type
Where in Mississippi
Counties with the most First South Farm Credit, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pearl River County | 3 | 3 | 0 | 0.0% |
| Yalobusha County | 1 | 1 | 0 | 0.0% |
| Lauderdale County | 1 | 0 | 0 | 0.0% |
| Newton County | 1 | 1 | 0 | 0.0% |
| Lowndes County | 1 | 1 | 0 | 0.0% |
| Holmes County | 1 | 1 | 0 | 0.0% |
| Rankin County | 1 | 1 | 0 | 0.0% |
| Hinds County | 1 | 1 | 0 | 0.0% |
| Leake County | 1 | 1 | 0 | 0.0% |
| Carroll County | 1 | 0 | 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: 20 applications in 2025, of which 18 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans First South Farm Credit, ACA originated in Mississippi in 2025 was 7.55%, against a statewide median of 6.75%.
About this data. Figures are First South Farm Credit, ACA'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