The Federal Savings Bank in Mississippi vs the state
10.8%Denial rate-12.17 pts vs state
28.1%Decision denial rate-0.40 pts vs state
26.2%Origination rate-26.70 pts vs state
6.63%Median rate-0.13 pts vs state
0.36Rate spread (pts)+0.03 pts vs state
$80kMedian applicant income
56Loans originated
23Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 196 | 62 | 15.3% | 6.44% | #82 |
| 2024 | 159 | 46 | 11.3% | 6.25% | #94 |
| 2025 | 214 | 56 | 10.8% | 6.63% | #85 |
What The Federal Savings Bank lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeSoto County | 36 | 9 | 3 | 8.3% |
| Harrison County | 27 | 14 | 2 | 7.4% |
| Jackson County | 17 | 3 | 2 | 11.8% |
| Rankin County | 16 | 2 | 1 | 6.3% |
| Madison County | 11 | 4 | 1 | 9.1% |
| Pearl River County | 8 | 0 | 0 | 0.0% |
| Lee County | 6 | 2 | 0 | 0.0% |
| Lafayette County | 6 | 2 | 0 | 0.0% |
| Hinds County | 5 | 0 | 1 | 20.0% |
| Tate County | 5 | 2 | 2 | 40.0% |
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: 214 applications in 2025, of which 56 were originated and 23 denied.
10.8% of all applications, or 28.1% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans The Federal Savings Bank originated in Mississippi in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are The Federal Savings Bank'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