Mississippi · HMDA 2025
Mortgage lenders in Lafayette County, MS
255 lenders reported 2,627 home-loan applications in Lafayette County in 2025. 1,654 closed as loans ($652.7M), 324 were denied — a 15.8% denial rate on decided applications, below the Mississippi rate of 28.1%. The three most active lenders handled 20% of applications, led by BankPlus. 20 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,627
- Loans originated
- 1,654
- Purchase / refinance
- 977 / 478
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lafayette County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | BankPlus 71 out of 100, Strong | 237 | 9.0% | 12.2% |
| 2 | Cadence Bank | 156 | 5.9% | — |
| 3 | Renasant Bank 64 out of 100, Moderate | 142 | 5.4% | 11.6% |
| 4 | Guaranty Bank and Trust Company 55 out of 100, Moderate | 131 | 5.0% | 18.4% |
| 5 | BankFirst Financial Services 69 out of 100, Moderate | 107 | 4.1% | 7.5% |
| 6 | Regions Bank 64 out of 100, Moderate | 102 | 3.9% | 43.1% |
| 7 | Rocket Mortgage, LLC | 102 | 3.9% | — |
| 8 | Trustmark National Bank 62 out of 100, Moderate | 90 | 3.4% | 14.7% |
| 9 | 21st Mortgage Corporation | 82 | 3.1% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 82 | 3.1% | — |
| 11 | Broker Solutions, Inc. | 49 | 1.9% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 48 | 1.8% | 14.1% |
| 13 | First Commercial Bank 66 out of 100, Moderate | 45 | 1.7% | 5.8% |
| 14 | TRIAD FINANCIAL SERVICES, INC. | 42 | 1.6% | — |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 41 | 1.6% | — |
| 16 | GUILD MORTGAGE COMPANY | 40 | 1.5% | — |
| 17 | RiverHills Bank 82 out of 100, Strong | 39 | 1.5% | 9.1% |
| 18 | NATIONSTAR MORTGAGE LLC | 38 | 1.4% | — |
| 19 | NEWREZ LLC | 36 | 1.4% | — |
| 20 | MUTUAL CREDIT UNION | 36 | 1.4% | — |
| 21 | Citizens Bank, National Association 54 out of 100, Below average | 29 | 1.1% | 32.5% |
| 22 | GMFS LLC | 26 | 1.0% | — |
| 23 | Paragon Bank 62 out of 100, Moderate | 25 | 1.0% | 4.0% |
| 24 | UNITED SHORE FINANCIAL SERVICES, LLC | 24 | 0.9% | — |
| 25 | U.S. Bank National Association 55 out of 100, Moderate | 24 | 0.9% | 39.5% |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 23 | 0.9% | 44.7% |
| 27 | Mortgage Research Center, LLC | 21 | 0.8% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 20 | 0.8% | 32.9% |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 20 | 0.8% | — |
| 30 | FirstBank 59 out of 100, Moderate | 20 | 0.8% | 42.8% |
| 31 | Community Bank of Mississippi 64 out of 100, Moderate | 19 | 0.7% | 9.7% |
| 32 | AmeriSave Mortgage Corporation | 17 | 0.6% | — |
| 33 | VANDERBILT MORTGAGE AND FINANCE, INC. | 16 | 0.6% | — |
| 34 | FREEDOM MORTGAGE CORPORATION | 16 | 0.6% | — |
| 35 | First Horizon Bank 64 out of 100, Moderate | 16 | 0.6% | 25.4% |
| 36 | BETTER MORTGAGE CORPORATION | 15 | 0.6% | — |
| 37 | Raymond James Bank 69 out of 100, Moderate | 15 | 0.6% | 6.2% |
| 38 | Bank of Holly Springs 52 out of 100, Below average | 15 | 0.6% | 7.0% |
| 39 | Truist Bank 63 out of 100, Moderate | 13 | 0.5% | 40.8% |
| 40 | The Citizens Bank of Philadelphia, Mississippi | 13 | 0.5% | — |
Top 40 of 255 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Mississippi
- DeSoto County 10,088 apps
- Harrison County 9,953 apps
- Rankin County 7,923 apps
- Hinds County 7,772 apps
- Jackson County 6,516 apps
- Madison County 5,275 apps
- Lee County 3,545 apps
- Lamar County 2,915 apps
- Forrest County 2,898 apps
- Pearl River County 2,636 apps
- Hancock County 2,459 apps
- Jones County 2,324 apps