The Citizens National Bank of Meridian in Mississippi vs the state
13.6%Denial rate-9.34 pts vs state
15.6%Decision denial rate-12.82 pts vs state
71.6%Origination rate+18.68 pts vs state
6.99%Median rate+0.24 pts vs state
0.42Rate spread (pts)+0.09 pts vs state
$82kMedian applicant income
332Loans originated
63Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 458 | 316 | 12.5% | 7.13% | #45 |
| 2024 | 480 | 332 | 11.5% | 7.17% | #39 |
| 2025 | 464 | 332 | 13.6% | 6.99% | #42 |
What The Citizens National Bank of Meridian lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most The Citizens National Bank of Meridian applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lauderdale County | 127 | 85 | 19 | 15.0% |
| Attala County | 33 | 23 | 8 | 24.2% |
| Rankin County | 32 | 28 | 2 | 6.3% |
| Lamar County | 29 | 24 | 1 | 3.4% |
| DeSoto County | 28 | 22 | 2 | 7.1% |
| Jones County | 26 | 15 | 7 | 26.9% |
| Madison County | 25 | 23 | 0 | 0.0% |
| Lowndes County | 23 | 19 | 2 | 8.7% |
| Forrest County | 22 | 13 | 4 | 18.2% |
| Leake County | 20 | 16 | 1 | 5.0% |
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: 464 applications in 2025, of which 332 were originated and 63 denied.
13.6% of all applications, or 15.6% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans The Citizens National Bank of Meridian originated in Mississippi in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are The Citizens National Bank of Meridian'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