First Southern Bank in Mississippi vs the state
13.5%Denial rate-9.39 pts vs state
15.0%Decision denial rate-13.45 pts vs state
73.7%Origination rate+20.81 pts vs state
—Median rate
—Rate spread (pts)
$96kMedian applicant income
98Loans originated
18Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 116 | 86 | 17.2% | — | #104 |
| 2024 | 110 | 84 | 14.6% | — | #108 |
| 2025 | 133 | 98 | 13.5% | — | #109 |
What First Southern Bank lends in Mississippi
By loan purpose
By loan type
Where in Mississippi
Counties with the most First Southern Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 29 | 23 | 3 | 10.3% |
| Forrest County | 26 | 21 | 2 | 7.7% |
| Lamar County | 20 | 16 | 0 | 0.0% |
| Pearl River County | 18 | 10 | 5 | 27.8% |
| Perry County | 14 | 11 | 2 | 14.3% |
| Hancock County | 5 | 2 | 1 | 20.0% |
| Greene County | 4 | 4 | 0 | 0.0% |
| Jones County | 4 | 2 | 2 | 50.0% |
| Harrison County | 4 | 2 | 2 | 50.0% |
| Walthall County | 3 | 2 | 1 | 33.3% |
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: 133 applications in 2025, of which 98 were originated and 18 denied.
13.5% of all applications, or 15.0% 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 Southern 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