FNB Picayune Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
50th9.9% deniedProcesswithdrawn + incomplete share, weight 15%
75th6.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 153 | 127 | 7.8% | 8.6% | — | $16M |
| 2024 | 139 | 105 | 7.9% | 9.3% | — | $11M |
| 2025 | 162 | 130 | 9.3% | 9.9% | — | $18M |
What FNB Picayune Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 40 manufactured homes, 55 investment properties.
Who gets approved at FNB Picayune Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 38 | 26 | 20.6% |
| $50k – $100k | 47 | 38 | 13.3% |
| $100k – $150k | 40 | 31 | 2.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 35 | 29 | 6.1% |
| 45–54 | 37 | 33 | 8.3% |
| 55–64 | 26 | 17 | 25.0% |
| 65–74 | 20 | 14 | 5.6% |
Where FNB Picayune Bank lends
2 states and 8 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Mississippi | 160 | 130 | 8.8% | — | #98 |
Frequently asked questions
FNB Picayune Bank denied 9.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 50th percentile of small mortgage lenders.
In 2025, 43% of its applications were for home purchases, 39% for refinancing (including cash-out), and 19% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.