Member First Mortgage in Mississippi vs the state
16.7%Denial rate-6.25 pts vs state
33.3%Decision denial rate+4.88 pts vs state
33.3%Origination rate-19.54 pts vs state
6.44%Median rate-0.31 pts vs state
0.48Rate spread (pts)+0.14 pts vs state
$108kMedian applicant income
2Loans originated
1Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 5 | 10.0% | 6.88% | #278 |
| 2024 | 10 | 4 | 0.0% | 6.50% | #289 |
| 2025 | 6 | 2 | 16.7% | 6.44% | #329 |
What Member First Mortgage lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rankin County | 3 | 1 | 1 | 33.3% |
| Pearl River County | 1 | 0 | 0 | 0.0% |
| Hancock County | 1 | 1 | 0 | 0.0% |
| Wilkinson 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: 6 applications in 2025, of which 2 were originated and 1 denied.
16.7% of all applications, or 33.3% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Member First Mortgage originated in Mississippi in 2025 was 6.44%, against a statewide median of 6.75%.
About this data. Figures are Member First Mortgage'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