FirstBank in Mississippi vs the state
53.2%Denial rate+30.24 pts vs state
53.3%Decision denial rate+24.84 pts vs state
20.4%Origination rate-32.49 pts vs state
9.49%Median rate+2.74 pts vs state
3.37Rate spread (pts)+3.04 pts vs state
$50kMedian applicant income
248Loans originated
647Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,321 | 182 | 57.2% | 9.00% | #16 |
| 2024 | 1,381 | 181 | 58.9% | 9.99% | #15 |
| 2025 | 1,217 | 248 | 53.2% | 9.49% | #20 |
What FirstBank lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most FirstBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rankin County | 98 | 40 | 27 | 27.6% |
| Oktibbeha County | 42 | 12 | 21 | 50.0% |
| Panola County | 41 | 12 | 21 | 51.2% |
| Lincoln County | 38 | 8 | 17 | 44.7% |
| Monroe County | 37 | 6 | 22 | 59.5% |
| Marion County | 36 | 0 | 31 | 86.1% |
| Wayne County | 35 | 2 | 24 | 68.6% |
| Chickasaw County | 34 | 12 | 13 | 38.2% |
| Hinds County | 30 | 2 | 20 | 66.7% |
| Walthall County | 28 | 3 | 18 | 64.3% |
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: 1,217 applications in 2025, of which 248 were originated and 647 denied.
53.2% of all applications, or 53.3% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans FirstBank originated in Mississippi in 2025 was 9.49%, against a statewide median of 6.75%.
About this data. Figures are FirstBank'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