First Southern Bank
First Southern Bank received 133 applications in 2025 and made 98 mortgages, in 15 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $85,000. Of 120 decisions, 18 were denials — 15.0%.
| Legal Entity Identifier | 549300E3YGSOYL74CF74 |
|---|---|
| Applications received | 133 |
| Mortgages made | 98 |
| Denied | 18 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Southern Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 18 | Not published | $155,000 | 24.0% |
| Refinancing | 64 | Not published | $75,000 | 7.0% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 16 | Not published | $65,000 | 22.7% |
Where First Southern Bank lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marion County, MS | 23 | Not published | 11.1% |
| Forrest County, MS | 21 | Not published | 8.0% |
| Lamar County, MS | 16 | Not published | 0.0% |
| Perry County, MS | 11 | Not published | 15.4% |
| Pearl River County, MS | 10 | Not published | 31.3% |
| Greene County, MS | 4 | Under 10 loans | 0.0% |
| Hancock County, MS | 2 | Under 10 loans | 33.3% |
| Harrison County, MS | 2 | Under 10 loans | 50.0% |
| Jones County, MS | 2 | Under 10 loans | 50.0% |
| Walthall County, MS | 2 | Under 10 loans | 33.3% |
| Amite County, MS | 1 | Under 10 loans | 0.0% |
| Covington County, MS | 1 | Under 10 loans | 0.0% |
| George County, MS | 1 | Under 10 loans | 0.0% |
| Jackson County, MS | 1 | Under 10 loans | 0.0% |
| Lawrence County, MS | 1 | Under 10 loans | 0.0% |
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When First Southern Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.