Mississippi · HMDA 2025
Mortgage lenders in Pontotoc County, MS
113 lenders reported 1,042 home-loan applications in Pontotoc County in 2025. 462 closed as loans ($78.3M), 227 were denied — a 30.3% denial rate on decided applications, above the Mississippi rate of 28.1%. The three most active lenders handled 31% of applications, led by 21st Mortgage Corporation. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,042
- Loans originated
- 462
- Purchase / refinance
- 245 / 150
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Pontotoc County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 143 | 13.7% | — |
| 2 | Renasant Bank 64 out of 100, Moderate | 127 | 12.2% | 11.6% |
| 3 | Cadence Bank | 50 | 4.8% | — |
| 4 | Rocket Mortgage, LLC | 48 | 4.6% | — |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 47 | 4.5% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 43 | 4.1% | — |
| 7 | Guaranty Bank and Trust Company 55 out of 100, Moderate | 40 | 3.8% | 18.4% |
| 8 | Regions Bank 64 out of 100, Moderate | 32 | 3.1% | 43.1% |
| 9 | MORTGAGE INVESTORS GROUP, INC. | 30 | 2.9% | — |
| 10 | Mortgage Research Center, LLC | 23 | 2.2% | — |
| 11 | AMERIHOME MORTGAGE COMPANY, LLC | 23 | 2.2% | — |
| 12 | Loandepot.Com, LLC | 18 | 1.7% | — |
| 13 | FirstBank 59 out of 100, Moderate | 18 | 1.7% | 42.8% |
| 14 | BankPlus 71 out of 100, Strong | 17 | 1.6% | 12.2% |
| 15 | NATIONSTAR MORTGAGE LLC | 17 | 1.6% | — |
| 16 | Broker Solutions, Inc. | 16 | 1.5% | — |
| 17 | Coastal Community Bank 35 out of 100, Low | 14 | 1.3% | 3.0% |
| 18 | Magnolia Bank, Incorporated 49 out of 100, Below average | 14 | 1.3% | 10.3% |
| 19 | NEWREZ LLC | 12 | 1.2% | — |
| 20 | PLANET HOME LENDING, LLC | 12 | 1.2% | — |
| 21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 12 | 1.2% | — |
| 22 | Trustmark National Bank 62 out of 100, Moderate | 12 | 1.2% | 14.7% |
| 23 | VANDERBILT MORTGAGE AND FINANCE, INC. | 11 | 1.1% | — |
| 24 | AmeriSave Mortgage Corporation | 11 | 1.1% | — |
| 25 | SOUTHWEST STAGE FUNDING, LLC | 10 | 1.0% | — |
| 26 | SOUTHWEST FUNDING, LP | 10 | 1.0% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 0.9% | 32.9% |
| 28 | FIRST COMMUNITY MORTGAGE, INC. | 9 | 0.9% | — |
| 29 | Community Bank of Mississippi 64 out of 100, Moderate | 8 | 0.8% | 9.7% |
| 30 | BankFirst Financial Services 69 out of 100, Moderate | 8 | 0.8% | 7.5% |
| 31 | FREEDOM MORTGAGE CORPORATION | 8 | 0.8% | — |
| 32 | FIGURE LENDING LLC | 7 | 0.7% | — |
| 33 | AMERICAN FINANCIAL RESOURCES, INC. | 7 | 0.7% | — |
| 34 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 0.7% | — |
| 35 | VILLAGE CAPITAL & INVESTMENT LLC | 7 | 0.7% | — |
| 36 | Discover Bank | 6 | 0.6% | — |
| 37 | SPRING EQ, LLC | 6 | 0.6% | — |
| 38 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 0.5% | — |
| 39 | LAKEVIEW LOAN SERVICING, LLC | 5 | 0.5% | — |
| 40 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | 0.5% | — |
Top 40 of 113 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
- Lafayette County 2,627 apps
- Hancock County 2,459 apps