The Citizens Bank of Philadelphia, Mississippi in Mississippi vs the state
7.3%Denial rate-15.63 pts vs state
8.8%Decision denial rate-19.69 pts vs state
75.8%Origination rate+22.89 pts vs state
—Median rate
—Rate spread (pts)
$91kMedian applicant income
322Loans originated
31Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 283 | 207 | 12.4% | — | #60 |
| 2024 | 407 | 305 | 6.9% | — | #44 |
| 2025 | 425 | 322 | 7.3% | — | #46 |
What The Citizens Bank of Philadelphia, Mississippi lends in Mississippi
By loan purpose
By loan type
Where in Mississippi
Counties with the most The Citizens Bank of Philadelphia, Mississippi applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Neshoba County | 119 | 104 | 9 | 7.6% |
| Jackson County | 45 | 27 | 4 | 8.9% |
| Winston County | 36 | 23 | 5 | 13.9% |
| Harrison County | 33 | 21 | 6 | 18.2% |
| Newton County | 27 | 25 | 1 | 3.7% |
| Attala County | 27 | 21 | 1 | 3.7% |
| Lauderdale County | 26 | 21 | 0 | 0.0% |
| Leake County | 17 | 13 | 1 | 5.9% |
| Lafayette County | 13 | 10 | 1 | 7.7% |
| Kemper County | 10 | 9 | 1 | 10.0% |
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: 425 applications in 2025, of which 322 were originated and 31 denied.
7.3% of all applications, or 8.8% 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 The Citizens Bank of Philadelphia, Mississippi'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